Podcasts about ic3

What's next for crypto? How do experts track signals and develop new solutions? How do we drive innovation on-chain? The hosts are joined by Ari Juels, a Professor at Cornell Tech, Co-founder and Co-director of the Initiative for CryptoCurrencies and Contracts (IC3), and Chief Scientist at Chainlink Labs — as well as FCAT researcher and Principal Blockchain Engineer Developer Kosala Yapa Mudiyanselage — to discuss how academia and industry are teaming up to solve some of blockchain's greatest challenges and unlock new opportunities across the ecosystem. Learn about the origins of maximal extractable value (MEV), how collaboration between FCAT and our academic partners has developed a potential solution to improve fairness on-chain (PROF), and how research sparks innovation for users across networks. For a closer look at the PROF project, check out https://prof-project.github.io/.   Episode Topics: [0:00] Intro [3:28] Biweekly News Roundup [7:20] An Intro to IC3 & Exploration of MEV [11:55] Exploring Protected Order Flow (PROF) [14:52] On Fairness [19:06] Economic & Regulatory Factors [23:43] How Research Sparks Innovation On-chain [31:21] Outro       Stay connected with us beyond the podcast by following FCAT on Instagram, LinkedIn, and X where we share additional insights and updates on all things emerging tech. Whether you're crypto-curious or have a crypto foundation, Fidelity may have your next career opportunity. EXPLORE NOW. Please remember: this podcast is solely for informational and educational purposes and is not investment, tax, legal or insurance advice. Digital assets are speculative and highly volatile and you should conduct thorough research before you invest. To learn more, visit: fcatalyst.com FMR LLC. © 2025 FMR LLC. All rights reserved. Chapters (00:00:00) - Intro(00:03:28) - Biweekly News Roundup(00:07:20) - An Intro to IC3 & Exploration of MEV(00:11:55) - Exploring Protected Order Flow (PROF)(00:14:52) - On Fairness(00:19:06) - Economic & Regulatory Factors(00:23:43) - How Research Sparks Innovation On-chain(00:31:21) - Outro

The Friday Five for May 9, 2025: Rite Aid Files for Chapter 11 Bankruptcy Again Apple WWDC 2025 Dates & Rumors Discount Medicare Insurance Scam Alert Rueppel Recommends Books & Streaming Picks May 2025 Aetna Health Plans to Exit ACA Marketplace for CY 2026   Rite Aid Files for 2nd Chapter 11 Bankruptcy: Download the “Rite Aid Letter to Customers - May 5, 2025.” Restructuring.Ra.Kroll.Com, Kroll Restructuring Administration, restructuring.ra.kroll.com/RiteAid/Home-DownloadPDF?id1=MzM0MTA2Mg%3D%3D&id2=0. Accessed 6 May 2025. Grothaus, Michael. “Rite Aid Bankruptcy: What to Know about Store Closings, Prescription Transfers, Layoffs, Gift Cards, and More.” Fastcompany.Com, Fast Company, 6 May 2025, www.fastcompany.com/91329223/rite-aid-bankruptcy-2025-stores-closing-prescription-transfers-gift-cards. Arias, Pilar. “Rite Aid Files for Bankruptcy for Second Time in Less than 2 Years.” Foxbusiness.Com, Fox Business, 6 May 2025, www.foxbusiness.com/economy/rite-aid-files-bankruptcy-second-time-less-than-2-years. Powel, James. “Rite Aid Files for Chapter 11 Bankruptcy, Promises ‘smooth Transfer' of Prescriptions.” Usatoday.Com, Gannett Satellite Information Network, 6 May 2025, www.usatoday.com/story/money/retail/2025/05/05/rite-aid-chapter-11-bankruptcy/83467189007/. “Rite Aid Store Locater.” Riteaid.Com, Rite Aid, www.riteaid.com/locations/. Accessed 6 May 2025. Urie, Daniel. “Rite Aid Tells Vendors It ‘Has Generally Stopped Purchasing Goods and Services.'” Pennlive.Com, PennLive, 5 May 2025, www.pennlive.com/business/2025/05/rite-aid-tells-vendors-it-has-generally-stopped-purchasing-goods-and-services.html. Mills, Sean I. “What to Do with Your Prescriptions Now That Rite Aid Is Closing All Stores.” Romesentinel.Com, Daily Sentinel, 6 May 2025, www.romesentinel.com/news/rome-new-hartford-rite-aid-store-closings/article_98f2300b-600c-4937-b8d0-686ece8d36e9.html.   Apple WWDC 2025 Dates & Rumors: Lovejoy, Ben. “90% of People Shouldn't Buy the iPhone 17 Air, per Apple.” 9to5mac.Com, 9to5Mac, 6 May 2025, 9to5mac.com/2025/05/06/90-of-people-shouldnt-buy-the-iphone-17-air-per-apple/. Schroeder, Stan. “Apple Is Planning a New iPhone Launch Schedule, Report Claims.” Mashable, Mashable, 5 May 2025, mashable.com/article/apple-iphone-launch-schedule. “iOS 7 vs iOS 6 Side-by-Side Visual Comparisons.” Osxdaily.Com, OS X Daily, osxdaily.com/2013/06/11/ios-7-vs-ios-6-visual-comparison/. Accessed 6 May 2025. Christoffel, Ryan. “iOS 19: Three New Features Are Being Announced next Month.” 9to5mac.Com, 9to5Mac, 5 May 2025, 9to5mac.com/2025/05/05/ios-19-three-new-features-are-being-announced-next-month/. Clover, Juli. “iOS 19: Everything We Know.” Macrumors.Com, MacRumors, 5 May 2025, www.macrumors.com/roundup/ios-19/.   Discount Medicare Insurance Scam Alert: “Emerging Discount Medical Insurance Scams.” Ic3.Gov, Internet Crime Complaint Center (IC3), 30 Apr. 2025, www.ic3.gov/PSA/2025/PSA250430. Dimuro, Claudia. “FBI Alerts Public in Pa., beyond to Emerging Scam: Here's What to Know.” Pennlive.Com, PennLive, 5 May 2025, www.pennlive.com/life/2025/05/fbi-alerts-public-in-pa-beyond-to-emerging-scam-heres-what-to-know.html. Burman, Theo. “FBI Issues New Warning Over Health Insurance Scams.” Newsweek.Com, Newsweek, 6 May 2025, www.newsweek.com/fbi-issues-new-warning-over-health-insurance-scams-2068626.   Rueppel Recommends: Wynn-Williams, Sarah. “Careless People: A Cautionary Tale of Power, Greed, and Lost Idealism.” Spotify, Flatiron Books, open.spotify.com/show/279JRLPYDjvmsS81C7SOzg?si=215e5504c3ea4510. Accessed 6 May 2025. Ridgely, Charlie. “Everything Coming to Netflix, Max, Disney+ & Other Streaming Services in May 2025.” ComicBook.Com, ComicBook, 30 Apr. 2025, comicbook.com/tv-shows/news/new-streaming-movies-tv-shows-may-2025-netflix-disney-max/. Bet-David, Patrick. “Your Next Five Moves: Master the Art of Business Strategy.” Spotify, Gallery Books, https://open.spotify.com/show/1mCTkhoZxUOH6iA9b8Dx2y?si=b11263c88e3a43ff. Accessed 6 May 2025. Bet-David, Patrick. Your Next Five Moves, Gallery Books, www.yournextfivemoves.com/. Accessed 6 May 2025.   Aetna Health Plans to Exit ACA Marketplace for CY 2026: Minemyer, Paige. “Aetna to Exit the ACA Exchanges in 2026.” Fiercehealthcare.Com, Fierce Healthcare, 1 May 2025, www.fiercehealthcare.com/payers/aetna-exit-aca-exchanges-2026. Pifer, Rebecca. “CVS Plans to Exit ACA Individual Exchanges, Strikes Wegovy Deal with Novo Nordisk.” Healthcaredive.Com, Healthcare Dive, 1 May 2025, www.healthcaredive.com/news/cvs-aetna-exit-aca-novo-nordisk-wegovy-deal/746833/. Japsen, Bruce. “CVS Plans To Exit Obamacare In 2026, Affecting 1 Million Aetna Members.” Forbes.Com, Forbes Magazine, 1 May 2025, www.forbes.com/sites/brucejapsen/2025/05/01/cvs-plans-to-exit-obamacare-in-2026-impacting-1-million-aetna-members/. How Plan Crosswalks Work in the ACA Marketplace: https://lnk.to/ASG664   Resources: 5 Myths About Selling ACA Health Insurance Plans: https://lnk.to/asg660  5 Things from the CMS 2026 MA and Part D Final Rule: https://lnk.to/asgf20250502  Agent Requirements for ACA Sales: https://lnk.to/ASG662 Learn How to Sell ACA Products During the Off-Season ft. Danica Stover: https://lnk.to/asg661  Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Forecast = Scattered phishing attempts with a 90% chance of encrypted clouds. ‍ In this episode of Storm⚡️Watch, the crew dissects the evolving vulnerability tracking landscape and the challenges facing defenders as they move beyond the aging CVE system. The show also highlights the rise of sophisticated bot traffic, the expansion of GreyNoise's Global Observation Grid, and fresh tools from VulnCheck and Censys that are helping security teams stay ahead of real-time threats. In our listener poll this week, we ask: what would you do if you found a USB stick? It's a classic scenario that always sparks debate about curiosity versus caution in cybersecurity. It's officially cyber report season, and we're breaking down the latest findings from some of the industry's most influential threat intelligence teams. GreyNoise's new research spotlights the growing risk from resurgent vulnerabilities-those old flaws that go quiet for years before suddenly making a comeback, often targeting edge devices like routers and VPNs. The FBI's 2024 IC3 report is out, revealing a record $16.6 billion in reported losses last year, with phishing, extortion, and business email compromise topping the charts. Mandiant's M-Trends 2025, VulnCheck's Q1 exploitation trends, and other reports all point to a relentless pace of vulnerability weaponization, with nearly a third of new CVEs being exploited within 24 hours of disclosure. We also dig into a series of ace blog posts and research from Censys, including their push to end stale indicators and their deep dives into the sharp rise in attacks targeting edge security devices. Their recent work with GreyNoise and CursorAI on botnet hunting, as well as their new threat hunting module, are changing the game for proactive defense. VulnCheck's quarterly report is raising eyebrows with the revelation that 159 vulnerabilities were exploited in Q1 2025 alone, and 28% of those were weaponized within a single day of disclosure. This underscores how quickly attackers are operationalizing new exploits and why defenders need to move faster than ever. We round out the show with the latest from runZero and a look at GreyNoise's recent findings, including a ninefold surge in Ivanti Connect Secure scanning and a spike in Git configuration crawling-both of which highlight the ongoing risk of codebase exposure and the need for continuous vigilance. Storm Watch Homepage >> Learn more about GreyNoise >>  

Blue Shield of California shared private health data of millions with Google The FBI issues its 2024 IC3 report Ex-Army sergeant jailed for selling military secrets Huge thanks to our sponsor, Dropzone AI Security analysts need practical experience to build investigation skills, but getting expert guidance for every alert is impossible. That's why Dropzone AI created COACH—a free Chrome extension that serves as an AI security mentor for SOC analysts at any level. COACH reads alerts across all major security platforms, explains their context, provides alternative hypotheses, and guides analysts through industry-standard investigation methodologies. Unlike our AI SOC Analyst product, COACH doesn't do the work for you—it teaches you how to think through investigations yourself. It supplements human mentoring with always-available guidance that respects your data with zero retention. Develop your security team's skills at Dropzone.ai/coach. For the stories behind the headlines, head to CISOseries.com.

The White House's shift of cybersecurity responsibilities to the states is met with skepticism. Baltimore City Public Schools suffer a ransomware attack. Russian state-backed hackers target Dutch critical infrastructure. Microsoft resolves multiple Remote Desktop issues. A new malware campaign is targeting Docker environments for cryptojacking. A new phishing campaign uses weaponized Word documents to steal Windows login credentials. Zyxel Networks issues critical patches for two high-severity vulnerabilities. CISA issues five advisories highlighting critical vulnerabilities in ICS systems. Our guest is Deputy Assistant Director Cynthia Kaiser from the FBI Cyber Division, sharing the findings of their latest IC3 report. So long, Privacy Sandbox.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today we are joined by Deputy Assistant Director Cynthia Kaiser from the FBI Cyber Division, as she is sharing the findings of their latest IC3 report. Selected Reading Trump is shifting cybersecurity to the states, but many aren't prepared (Stateline) Baltimore City Public Schools report data breach (beyondmachines) Russia attempting cyber sabotage attacks against Dutch critical infrastructure (record) Microsoft fixes Remote Desktop freezes caused by Windows updates (bleepingcomputer) New Malware Hijacking Docker Images with Unique Obfuscation Technique (cybersecuritynews) Hackers Exploit Weaponized Word Docs to Steal Windows Login Credentials (gbhackers) Kelly Benefits Data Breach Impacts 260,000 People (SecurityWeek) Data Breach at Onsite Mammography Impacts 350,000 (SecurityWeek) Zyxel Patches Privilege Management Vulnerabilities in USG FLEX H Series Firewalls (cybersecuritynews) CISA Releases Five Advisories Covering ICS Vulnerabilities & Exploits (cybersecuritynews) RIP to the Google Privacy Sandbox (The Register) 2024 IC3 ANNUAL REPORT  Share your feedback. We want to ensure that you are getting the most out of the podcast. Please take a few minutes to share your thoughts with us by completing our brief listener survey as we continually work to improve the show.  Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

MDJ Script/ Top Stories for March 14th Publish Date:  March 14th    Commercial: From the BG AD Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Friday, March 14th and Happy Birthday to Frank Borman I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal Braves Announce Vendors for New Food Court Severe Thunderstorms Expected Saturday Night with High Winds, Chance of Tornados Cobb to Clean Up South Cobb Drive, Atlanta Road Intersection Plus, Leah McGrath from Ingles Markets on eggs All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: Ingles Markets 8 STORY 1: Braves Announce Vendors for New Food Court The Atlanta Braves are enhancing the fan experience with the new Outfield Market, a 4,600-square-foot outdoor food court opening April 4 at Truist Park. Featuring eight stalls, it highlights local flavors like Mo’Bay Beignet Co., Popcorn Remix, NFA Burger, Pepper’s Hotdogs, Fred’s Meat & Bread, Coop’s Wings, Taqueria Tsunami, and Velvet Taco. The Giving Kitchen, a nonprofit supporting food service workers, will also host rotating chef features. With diverse offerings like gourmet hot dogs, smash burgers, Philly cheesesteaks, and fusion tacos, the market promises something for everyone. STORY 2: Severe Thunderstorms Expected Saturday Night with High Winds, Chance of Tornados Severe thunderstorms are expected in Cobb this weekend, with the National Weather Service warning of high winds, flooding, and potential tornadoes. The storm will peak overnight Saturday into Sunday, bringing 1-2 inches of rain, 60-80 mph winds, and possible strong tornadoes. Flash flooding and hail up to an inch are also risks. Severe weather is expected from 8 p.m. Saturday to 8 a.m. Sunday, with sunny skies and a high of 71°F by Sunday afternoon. Residents are urged to stay alert, have emergency notifications enabled, and know their safe shelter locations. STORY 3: Cobb to Clean Up South Cobb Drive, Atlanta Road Intersection Cobb County Chairwoman Lisa Cupid is addressing litter and overgrowth at the South Cobb Drive and Atlanta Road intersection, calling it an "embarrassment." The Board of Commissioners approved $14,010 from Cupid’s contingency fund for a one-time cleanup by Cobb DOT, despite the area being a state-maintained route. Complaints about litter and overgrowth, partly attributed to heavy traffic and a nearby homeless population, prompted the action. Cobb DOT, which clears over 100 tons of trash annually, plans to complete the cleanup by late April. We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  Break: INGLES 9 STORY 4: FBI Atlanta Warns of Peach Pass Smishing Scam Smishing scams targeting Georgia’s Peach Pass users have surged since March 1, with the FBI receiving 1,573 complaints this month compared to 1,720 over the previous 14 months. These fake texts claim unpaid tolls and trick victims into sharing sensitive information or money. Reported losses total $3,643.42, though actual victims may be higher. Residents are advised to report scams to the FBI’s IC3, verify accounts via Peach Pass’s official site, avoid clicking suspicious links, and secure personal information if compromised. STORY 5: MHC’s Classic Rock Jam FUNdraiser is May 10 The Marietta History Center will host the 2025 Classic Rock Jam FUNdraiser on May 10 at 7 p.m. at Brumby Hall & Gardens. Attendees can enjoy live music from Mark Grundhoefer and other rock legends, with options to bring chairs or reserve a table for eight. Tickets are $30 in advance, $35 at the door, and $250 for a table, with discounts for MHC members. For tickets and details, visit mariettahistorycenter.shopsettings.com or contact Christa McCay for member discounts. Break: And now here is Leah McGrath from Ingles Markets on eggs *** INGLES ASK LEAH (EGGS)*** We’ll have closing comments after this. Break: Ingles Markets 10 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations See omnystudio.com/listener for privacy information.

Welcome to The Protectors Podcast. Today, Mike and Mark welcome a subject matter expert who dives deep into fraud and scam prevention. She breaks down real-world scenarios, highlighting the red flags that people often miss. But more importantly, for every situation presented, she offers a solution—practical steps you can take and key websites to check before making a decision. If you want to stay ahead of the scammers, this episode is packed with the information you need.The Protectors Podcast - Protecting What MattersGUEST CONTACT INFO:Plessas.net: https://plessas.net/The Academy: https://academy.plessas.net/Contact Kirby: info@plessas.netLinks/Tips Mentioned On the Show:Google Lens: https://lens.google/Bing Images: https://www.bing.com/imagesFacecheck.id: https://facecheck.id/Ipaddress.com: https://www.ipaddress.com/Whatsmyname.app: https://whatsmyname.app/Archive.org: https://archive.org/Arrests.org: https://arrests.org/Operationshamrock.org: https://operationshamrock.org/IC3.gov: https://www.ic3.gov/Google Lens: https://lens.google/Bing Images: https://www.bing.com/imagesType "Who Is" into Google________________________________IAFCI CONTACT INFO:IAFCI Website: https://iafci.org/Phone: 916-939-5000Advertising Opportunities and Guest Appearance: IAFCIProtectorspodcast@gmail.com

This is my conversation with Andrew Miller who is working on product at Teleport, and is also Associate Director at IC3 and Board Member at the Zcash Foundation.Timestamps:- (00:00:00) intro- (00:00:59) from bitcoin research to privacy, ZKPs, and MPC- (00:13:23) trust models and threat vectors to TEEs- (00:21:16) what is possible with trustless TEEs?- (00:38:37) TEEs-based internet agents- (00:45:41) Dstack, a p2p architecture for TEEs- (00:52:50) learnings as a researcher- (00:58:42) sponsor: Splits- (00:59:25) pathfinding in research- (01:06:11) 2011 bitcoin unboxing and the early bitcoin ecosystem- (01:17:54) vision for the future - (01:21:22) outroLinks:- Andrew on X: https://x.com/socrates1024- Andrew on YouTube: https://www.youtube.com/@Socrates1024- Andrew's research: https://soc1024.ece.illinois.edu- Personal site: https://soc1024.com- Zero Trust Execution Environments paper: https://writings.flashbots.net/ZTEE- Zcash Foundation: https://zfnd.org- IC3: https://www.ic3.govThank you to our sponsor for making this podcast possible:- Splits: https://splits.orgInto the Bytecode:- Sina Habibian on X: https://twitter.com/sinahab- Sina Habibian on Farcaster - https://warpcast.com/sinahab- Into the Bytecode: https://intothebytecode.com Disclaimer: this podcast is for informational purposes only. It is not financial advice nor a recommendation to buy or sell securities. The host and guests may hold positions in the projects discussed.

The number of highly sophisticated crypto scams is growing, with Americans losing an estimated $5.6 billion to crypto-related scams in 2023, according to the FBI, a 45 percent jump from the prior year. And often crypto fraud is tied in with romance scams, with criminals targeting victims through texts, dating sites, social media, networking channels or other apps. While we all like to think we would be immune to such scams, research has shown time and again that everyone is vulnerable, even the most highly educated among us. On this episode, we hear the firsthand accounts of Jules and Brian, two victims of romance crypto scams, who recently spoke at a FINRA Foundation conference on disrupting the cycle of financial fraud. They sat down with Kim Casci-Palangio, program manager of the Cybercrime Support Network (CSN), to share their experiences, the financial, mental and emotional toll they took, and their efforts to recover from their loss. This audio was edited to remove personally identifying information about our victims.Resources mentioned in this episode:Cybercrime Support NetworkRomance Scam Recovery GroupFINRA FoundationFBI Internet Crime Complaint Center (IC3)Non-Traditional Costs of Financial FraudInvestor Alert: Relationship Investment Scams‘Pig Butchering' Scams: What They Are and How to Avoid ThemCrypto Investment Scams Infographic Find us: X / Facebook / LinkedIn / E-mail

In this week's Security Sprint, Dave and Andy covered the following topics: Warm Start: TribalNet! TLP:CLEAR | FB-ISAO Newsletter. The September 2024 Newsletter has been directly distributed to members and may be accessed here.   Main Topics:   Assassiination / Election Security:  FBI and CISA Release Joint PSA, Just So You Know: False Claims of Hacked Voter Information Likely Intended to Sow Distrust of U.S. Elections. The Federal Bureau of Investigation (FBI) and the Cybersecurity and Infrastructure Security Agency (CISA) are issuing this public service announcement (PSA) to raise awareness of attempts to undermine public confidence in the security of U.S. election infrastructure through the spread of disinformation falsely claiming that cyberattacks compromised U.S. voter registration databases. PDF. CISA: Physical Security Checklist for Election Offices and Election Infrastructure Cybersecurity Readiness and Resilience Checklists 2025 Counting and Certification of Electoral Votes Designated a National Special Security Event   BEC.  Business Email Compromise: The $55 Billion Scam. The BEC scam continues to target small local businesses to larger corporations, and personal transactions while evolving in their techniques to access those business or personal accounts. Between December 2022 and December 2023, there was a 9% increase in identified global exposed losses. In 2023, the IC3 saw a growth in BEC reporting where funds were sent directly to a financial institution housing custodial accounts held by third-party payment processors, or peer-to-peer payment processors, and cryptocurrency exchanges which directly contributed to the increase in global exposed losses. IC3 data shows the BEC scam has been reported in all 50 states and 186 countries, with over 140 countries receiving fraudulent transfers. Based on the financial data reported to the IC3 for 2023, international banks located in the United Kingdom and Hong Kong often acted as an intermediary stop for funds, followed by China, Mexico, and the UAE. The following BEC statistics were reported to the FBI IC3, law enforcement and derived from filings with financial institutions between October 2013 and December 2023: o   Domestic and international incidents: 305,033  o   Domestic and international exposed dollar loss: $55,499,915,582 o   Total U.S. victims: 158,436  o   Total U.S. exposed dollar loss: $20,089,561,364  o   Total non-U.S. victims: 6,546  o   Total non-U.S. exposed dollar loss: $1,638,490,375   All-Hazards. The disaster no major U.S. city is prepared for. Experts warn this type of catastrophe — a combined power outage with a heat wave — is a scenario that cities and states are unprepared for. “I don't think it's likely — I think it's an absolute certainty,” said Brian Stone, a professor and director of the Urban Climate Lab at the Georgia Institute of Technology. “I think it's an absolute certainty that we will have an extreme heat wave and an extended blackout in the United States.”   Quick Hits:  FBI Publishes 2023 Cryptocurrency Fraud Report Hacker tricks ChatGPT into giving out detailed instructions for making homemade bombs Recorded Future: H1 2024: Malware and Vulnerability Trends Report Kentucky I-75 shooting suspect vowed over text to ‘kill a lot of people,' arrest warrant says

In this week's episode, Tracy speaks to Kristin Demoranville and Andrew Rose about “Hackers Targeting Canada's Food Supply.” It's true. Hackers are targeting Canada's food supply, and in today's episode, Tracy speaks to Kristin and Andrew, two cyber security professionals, about precisely what is happening. In this episode, they discuss: A string of ransomware attacks by Russian hackers are targeting Canada's agriculture sector and raising serious concerns about the safety of the food supply. Kristin shares more. Tracy remarks that since releasing their first episode together, serious cyber events have occurred, including the Co-op incident and the auto/machinery dealership parts system. (Episode 233: Cyber Attacks: Is Agriculture At Risk? Links to this episode below) Hackers and ransomware attacks are becoming an increasing threat to farmers. What are they, and how can they impact farmers?  Andrew has been working with the Canadian dairy industry on the milk industry hacks that have been occurring. Andrew shares more.  What do these cyber attacks look like, how do they happen, and how can we prevent them?  What do you do, and who can you call if you have an attack?  Is cyber insurance something farmers should be considering?  Tracy asks, “Is Canada's food supply safe and secure from cyber-attacks compared to other industries?” The answer is concerning. Regardless of your type and size of farming operation, we highly recommend that producers tune into this eye-opening episode.   *********** SHOW RESOURCES Tracy & Kristin's First Episode together…Episode 233: Cyber Attacks: Is Agriculture At Risk?https://www.farmmarketer.com/Resources/ResourceItem?resourceItemId=498 • Disarm Foundation - an excellent tool to counter information warfare • Just Culture - and organizational philosophy that provides innoculation against AI enabled social engineered attacks • Help@Isac.bio for assistance before/during/after a cyber incidence • In the US, report cyber crimes to www.IC3.gov for tracking and triage purposes (including anonymous reporting) *********** SIGN UP If you enjoyed this episode, don't forget to sign up as an Insider so that you are first to know about all-new Impact Farming episodes, Expert Corner Segments, fantastic contests, and new promotions https://www.farmmarketer.com/impact_farming_show/sign-up

Banking on Fraudology is currently accepting sponsor applications until July 15th. Apply through this form or contact Hailey directly.Welcome to Banking on Fraudology. In this episode, Hailey Windham gets inspired by the movie "Beekeper" to explain the harsh realities of Tech Support Scams that affects the most vulnerable population.To illustrate this, she delves into staggering statistics from the IC3 2023 Internet Crime Report, revealing a shocking 165.9% increase in scam losses within just two years. She also shares a harrowing real-life case involving a minister ensnared in a complex tech support scam, shedding light on the multifaceted tactics used by fraudsters today.Financial institutions, listen up: We're calling on you to understand these tactics, support vulnerable customers, and collaborate with law enforcement to combat these scams head-on. This episode is a rallying cry for all fraud fighters to share strategies, raise awareness, and lead the charge in safeguarding our financial systems.So, buckle up and get ready to step up your game. Let's tackle this growing menace together and create a future where fraudsters fail and victims have a fighting chance. Thanks for joining me, and don't forget to subscribe on Apple, Spotify, or wherever you get your podcasts to never miss an episode of Banking on Fraudology.About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/ Banking on Fraudology is part of the Fraudology Podcast Network.

Ciao a tutti! La classe 2'D della scuola Mattarella dell'IC3 di Modena ha iniziato il suo percorso alla web radio. Ecco il primo episodio del gruppo di Sparta! Buon ascolto :) --- Send in a voice message: https://podcasters.spotify.com/pod/show/radiomatta9/message

SMS phishing warnings by the FBI and innovative skimming tactics exposed by Sucuri experts. Discover actionable tips to shield yourself and your digital platforms from these sophisticated threats. Join the conversation by sharing your cybersecurity challenges and solutions. 00:00 Kickoff: Live from Cape Canaveral 00:59 Deep Dive into the FBI's Warning on SMS Phishing 06:14 Protecting Yourself Against Smishing and Phishing 13:13 Exploring the Dangers of Default WordPress Credentials Related Articles: FBI warns of massive wave of road toll SMS phishing attacks: https://www.bleepingcomputer.com/news/security/fbi-warns-of-massive-wave-of-road-toll-sms-phishing-attacks/ https://www.ic3.gov/Media/Y2024/PSA240412 Sneaky Credit Card Skimmer Disguised as Harmless Facebook Tracker: https://thehackernews.com/2024/04/sneaky-credit-card-skimmer-disguised-as.html https://blog.sucuri.net/2024/04/credit-card-skimmer-hidden-in-fake-facebook-pixel-tracker.html Hackable Intel and Lenovo hardware that went undetected for 5 years won't ever be fixed: https://arstechnica.com/security/2024/04/supply-chain-snafu-causes-intel-and-others-to-ship-hackable-hardware-for-5-years/ Follow us on Instagram: https://www.instagram.com/the_daily_decrypt/ Thanks to Jered Jones for providing the music for this episode. https://www.jeredjones.com/ Logo Design by https://www.zackgraber.com/ Tags for the episode: FBI, SMS phishing, cybersecurity, Sucuri, credit card skimming, Meta Pixel, WordPress, Magento, digital threats, personal data protection, cyber attacks, scam awareness, online security, toll fraud, phishing alerts Search Phrases: FBI SMS phishing alert 2024 How to protect against SMS phishing Sucuri finds credit card skimmer in Meta Pixel script Preventing credit card fraud on WordPress and Magento Latest cyber scams and digital threats Protecting personal information from online scams Understanding toll service phishing scams Cybersecurity tips for digital platforms Identifying fake toll debt notices Enhancing website security against skimmers Transcript: Boyz offsetkeyz: Let's do this so we friggin rocket launch Welcome back to the Daily Decrypt. Coming to you live from Cape Canaveral, Florida. got offsetkeys and dogespan. dogespan: hello. offsetkeyz: we're going to bring you some tasty news. Up first, the FBI has sounded the alarm on a massive SMS phishing wave sweeping across the U. S., targeting unsuspecting individuals with bogus road toll debt notices as part of a sophisticated scam aimed at harvesting personal data. What can you do to protect yourself from falling victim to these SMS phishing scams? dogespan: Cybersecurity experts at Securi have unearthed a cunning credit card skimmer disguised within a fake Metapixel tracker script. Cleverly hidden in customizable code sections of widely used platforms like WordPress and Magneto. How can website administrators safeguard their platforms against such stealthy credit card skimming attacks? offsetkeyz: Alright, so the first story comes to you straight from the FBI, and what better way to deliver the news than to just read the memo that the FBI released. So, here we go. Since early March of 2024, the FBI Internet Crime Complaint Center, or IC3, has received over 2, 000 complaints reporting smishing texts representing road toll collection services from at least three states. The FBI does not mention which three states, so, good luck. The IC3 complaint information indicates the scam may be moving from state to state. Nice. The texts will look something like this. We've noticed an outstanding toll amount of 12. 51 on your record. To avoid a late fee of $50, visit some URL to settle your balance. dogespan: true. And offsetkeyz: true. dogespan: part offsetkeyz: part of the reason dogespan: that so many users have gotten hit, is because If I got a bill for 12, I'd click and pay. And offsetkeyz: the mail. The road department is going to know your phone number. They're not. Your license plate is linked to your address, and then they mail it to you there. dogespan: you there. So, offsetkeyz: So, any text you're getting probably isn't coming from them unless you signed up for it, in which case you would know. The texts claim the recipient owes money for unpaid tolls and contain almost identical language. The outstanding toll amount is similar among the complaints reported to the dogespan: the IC3. offsetkeyz: However, the link provided within the text is created to impersonate the state's toll service name, and phone numbers appear to change between states. ok so they're at least like masqurading as that state Yeah, they are, they are targeting specific states, yes. Which is an easy tactic to take, probably takes the attackers very little time, dogespan: oh yeah offsetkeyz: and is very effective. dogespan: Yeah. So if you receive one of these texts, the following is suggested file a complaint with the IC3 at www.IC3.gov texts I'm gonna admit, I'm actually really guilty of never reporting those names, those scams. I get them all the time. Text messages for like UPS deliveries and stuff. But also like, yeah, I never think of reporting it to the IC3. But I do tend to put on my security researcher hat and offsetkeyz: on dogespan: go click the link. On a safe device, it is always, don't try it at home unless you, you know, know how to virtualize and segment and all that stuff. Um, But yeah, that's usually my approach is I just want to learn what they're doing and I offsetkeyz: report it as dogespan: guess I need to report it as well because it's stopping at me if nobody else reports it. offsetkeyz: I, until you said that, I didn't even consider reporting anything to whom I didn't, I don't know. So I think I've mentioned before on the podcast that you can report things to the FBI, but I personally have never done it. So, yeah, I think both of us, both dogespan and I's takeaway is that we're going to start reporting stuff and imagine how many people also don't report things. So 2, 000 reports came in to the FBI. dogespan: in to the offsetkeyz: Is probably hitting hundreds of thousands of dogespan: people. Yeah, like a, I don't know, what is that, 10%? Yeah. offsetkeyz: What's the reporting rate? How do you study that? I don't know. Not my problem, but if it does happen to you, it really helps dogespan: FBI offsetkeyz: the FBI understand the severity of the situation by you reporting it and they can gather the information. That's your tax dollars hard at work. So make sure you get your bang for your buck there. dogespan: so there. offsetkeyz: So, Pennsylvania Turnpike officials have reacted to these threats by advising customers to avoid clicking on any suspicious links sent via text that claim to resolve outstanding toll amounts. So, by hearing that article, that's mentioned in the article from Bleeping Computer, so Pennsylvania is one of those states. Thanks. They emphasize the importance of deleting the phishing texts immediately, which is interesting. Additionally, the Pennsylvania State Police have issued warnings about these deceptive texts, stressing that the links lead to counterfeit websites designed to harvest personal information. So, they're not coming after money at this point. They're trying to get your credentials to unlock even more than dogespan: credentials to unlock even more than 12. Yeah, this is very offsetkeyz: Yeah, this is very smart, because those types of things keep a lot of people up at night. Unpaid debts, that people are very scared of the banking systems and the credit scores and all that stuff. So if you have this threat of an unpaid debt. And you have the means to afford to pay that unpaid debt, You're gonna go on and hastily pay that so that you can sleep well at night. So in the spirit of security awareness, what can you do as the listener to identify these types of smishing, it's a fun word to say, you should say it, smishing, smishing attack text messages. This podcast, I often mention hanging up the phone and calling the source or the claimed source of text messages or phone calls. So if you're getting a call from, or if you're getting a text message from this toll company, one way to verify is to go Google it, right? Google that toll company, find the website, don't click on the Google ad. Go find the actual listing for the website, go to that website, fill out a contact us form, And say, hey, I received a text that says I have unclaimed debts. Is that real? pro tip from someone who hasn't paid most of their toll fees. They don't. It's not urgent They they'll keep that debt on ya for a while and yeah it might go up a few pennies a couple pennies but honestly I don't think it does I think they come after that toll and that's it the only times I've seen it is if they're tied into the registrationl so when you go to renew your registration it. guys, dogespan: toll. Yeah. offsetkeyz: It might seem easy to pay 12, but you know, there's a lot more at risk than just 12 for your data. I'm, I'm curious if these attackers have infiltrated some sort of toll system, or if they're just shooting them off at random. Because the only other attack, which you had mentioned earlier, is the USPS or UPS package incoming, and what's crazy about that one, dogespan: about offsetkeyz: a family dogespan: one is I always have a package incoming when I get those. offsetkeyz: why are they texting me about my package? Oh, it's not them. I'm going to have to do some research into that because it's just occurring to me now that dogespan: me now offsetkeyz: I always have a package on the way. But luckily the attackers who have purchased that information, or the ones who are conducting the smishing of the UPS, haven't figured it all out yet. I have a screenshot from one of my most recent ones that came from a sexyboy69 at gmail. com text. That's the dogespan: That's the trend. Yes, they've been compromising email accounts to send these out. offsetkeyz: send these out. dogespan: Or they are making bogus. But I've gotten an AOL and a Yahoo before. offsetkeyz: Interesting. there's always some typos, so keep your eye out for typos. In the age of chat GPT and, and large language models, you don't really even have to speak English to get a coherent, smishing message out there. So like, honestly, attackers, there's no excuse for this. Come on, but dogespan: Keep offsetkeyz: keep, yeah, keep an eye out for those indicators. Check with the source. Don't click any links unless you're absolutely positive. Um, if anyone calls you, try to hang up. Like, I, I, you know, moment of truth, I received a call from, I believe it was Pretty Litter, cat litter delivery service, because I cancel my credit card once a year just to, you know, shed all the subscriptions and have to re subscribe, and right after I canceled it, they called and asked for 80 bucks, and I just gave them the new credit card number without calling back, and I felt icky about it. So, dogespan: Did your litter offsetkeyz: anyways, if someone calls you, doesn't matter who it is, Don't give them your credit card information, call them back. It's like, it's inconvenient, but it's going to save you a lot of hassle on the backend. dogespan: I was in that generative AI. Red teaming talk this morning. This, uh, this talk goes into a quick demonstration on a phishing text, er, a phishing email that was created to target a cyber security professional as a test. . So, they targeted Dave Kennedy in this phishing email. And What they did is they sent several GPT agents Scouring the web for personal information about Dave Kennedy. And one of the things that I think has been very prominent in his more recent endeavors is health and, offsetkeyz: know, taking dogespan: um, weight management, you know, taking care of your body, fitness, all of that. So it actually crafted up a really good phishing email that was like, hi, Dave. Um, This is the bodybuilding. com community representative or whatever, and we want to bring you on as a offsetkeyz: you on dogespan: community advocate offsetkeyz: advocate dogespan: or something. And it, it totally like spoke to his interests, and he even, he even said, like as he received that, they were tweeting him, like they gave him a heads up and everything, but he was like, I 100 percent would have clicked on offsetkeyz: have clicked dogespan: And it's a, that's a cyber security offsetkeyz: cyber security dogespan: Yeah. So these generative AIs are getting better and most attackers may not be using it to the full extent, but there will be ones out there that are going to be really good, like the lego. com one we talked about previously. Yeah, that might get me. offsetkeyz: lego. com one we talked about. You're probably going to get me, so there you go. What was that? Did they use ChatGPT officially? I'm mostly curious because, yeah, ChatGPT has built in, safeguards against any malicious activity, so if you ask it for anything that can be used maliciously, like craft a phishing text or craft something that someone would be manipulated by, it's gonna say no, so, dogespan: That goes into just tricking the AI, because you could very easily just say, Hey, you know, this person, here's a couple social media profiles, go find more info on them. And then you say, okay, you know, how can I appeal to this person's interest in an email or something? And offsetkeyz: that's a whole nother conversation we could get into where you can actually give prompts to ChatGPT to make it do whatever you want because large language models like ChatGPT are very smart and very dumb. And they are not very refined. So that's, that's super interesting. The talk that dogespan was mentioning is called Red, Blue, Purple AI, practical AI for security dogespan: security practitioners. offsetkeyz: the speaker is Jason Haddix. dogespan: Yeah, it was a really good presentation. offsetkeyz: Great job, Jason. Cybersecurity experts have uncovered a deviously camouflaged credit card skimmer masquerading as a seemingly harmless metapixel tracker script. Researchers at Sikuri have pinpointed this malware, which sneaks onto websites through seemingly benign tools that permit custom code. plugins such as Simple Custom CSS and JS. dogespan: or offsetkeyz: the miscellaneous scripts section of the Magento admin panel. So that's a little bit of technical jargon. to do a bit more research to figure out like what the heck is even a metapixel tracker. but if you've ever had a business or a website, and you've subscribed to Google Analytics, It's a little snippet of code that you can place in the HTML that allows Google Analytics to track web page visits and other data points on web traffic. And Facebook or Meta has the same sort of thing for your website. They do Facebook analytics. And so this Meta pixel tracker script is essentially that. You add it to your website and Meta is allowed to track it. So that. That isn't what's happening here, but it is what it's being disguised as. These little scripts are coming in and they're trying to look like Metapixel tracker scripts so they don't get picked up by signature detectors or things like that. But what they're actually doing, which is pretty interesting, is it's a piece of code that identifies if you're on a checkout page. So if your WordPress site has a shop, and that shop, Allows you to pay inside the WordPress app. That little snippet of code is able to identify that this is a checkout page. And it just turns on and starts listening for your credit card number. security Researcher at Securi. Securi, Highlighted the risk posed by custom script editors. Custom script editors are popular with bad actors because they allow for external third party and malicious JavaScript and can easily pretend to be benign by leveraging naming conventions that match popular scripts like Google jQuery. dogespan: Google Analytics or libraries like jQuery. offsetkeyz: Lol. dogespan: law, yeah, where the attacker will try to replicate what is normal within an environment. So in this case, it is the website. So they're masquerading as a typical analytics, but it has a malicious intent of scraping of the credit cards. So as mentioned before, this bogus script mimics the legitimate megapixel tracker. offsetkeyz: However, a deeper inspection revealed a sinister twist. It stealthily replaces references to the authentic connect. facebook. net with a malicious beconnected. com. This rogue domain is then used to load a harmful script, fbevents. js, which targets victims on checkout pages by deploying a fraudulent overlay designed to capture their credit card information. I see, I see. So, it may look exactly the same as the regular checkout page, but it's an overlay, and you're actually entering it into some sort of dogespan: sort of iframe or offsetkeyz: iframe, or div, or something else that's sending the information somewhere else. So it's crucial to note that beconnected. com itself is a legitimate e commerce website, which at some point was compromised to serve this skimmer code. WordPress is notorious for going, unup updated. There's so many plugins that all require separate security updates, and you're lucky if that plugin is still maintained and offering security updates. But since it's a commercial tool and often free, WordPress I mean, the people running their WordPress sites aren't the most security minded, or they don't have time to go in once a week and update their plugins. So, spoiler alert, the best way to combat this type of attack is to go into WordPress. And we're using WordPress as an example to go into WordPress and update your plugins, but also take a look at the users tab and just see if there are any users in there that shouldn't be in there. That would be a pretty key indicator. If there are, delete that user, revoke all login sessions. dogespan: yeah, offsetkeyz: don't know either. I bet they do. Or you can enable more verbose logging to get that information. But I think they do. And there are a lot of free security plugins out there. I don't know which one we use. But every time I go into the WordPress dashboard, it says 15, 000 login attempts blocked. And I said, great, keep blocking them. dogespan: Let me know when they get in. offsetkeyz: Yeah, let me know if there are any that weren't dogespan: are any that weren't blocked. Um, offsetkeyz: this is my first WordPress website. TheDailyDecrypt. com. Plug, plug, plug. Have you ever worked with WordPress before? Yeah, dogespan: experiment. Yeah, offsetkeyz: which is how this started out too. And when we started this, we started this together. dogespan: WordPress offsetkeyz: creates a default account for you. And the username is user and the password is always the same. I don't remember what it is because I promptly deleted that, but you can Google it and it will say, this is the default WordPress credentials. And I would imagine that many WordPress administrators out there without any technical expertise, continue to use those default login credentials. And so if you do. dogespan: do, offsetkeyz: It's very easy to access your WordPress admin portal and set this type of credit card skimmer up. dogespan: you remember if it prompts you at any point to offsetkeyz: It does not. dogespan: not. Fantastic. offsetkeyz: It does not, and it's actually kind of complicated to delete an account. I had a hard time. I don't know if I actually could delete it, but I did change the password if I didn't delete it and revoke admin privileges and do all this stuff, but yeah, WordPress is not designed around security. And I, I think it's just not talked about enough how bad it is to use default credentials. It's significantly worse than reusing passwords, even if those passwords have been compromised on the dark web. Using default credentials. Well, first of all, if you have a WordPress site. top The domain, followed by the top level domain, which is the daily decrypt, and then dot com, slash admin. A script can easily navigate, do a get, for all of these things, to check even if it's a WordPress site. And then once, if they've determined that it is, They can plug in the default credentials and get a count of how many they have now access to. It's very just, automatable. And that is the enemy of defense. You don't want any sort of attack vector to be automatable. You're gonna get got, you just are. So anyways. dogespan: gonna getcha. offsetkeyz: They're gonna get ya. dogespan: getcha. Literally, offsetkeyz: please reach out to us if you're a novice tech person who owns a WordPress site, especially if there's e commerce on there. Either of us would be happy to donate one of our evenings to helping you secure that. It would be mutually beneficial, and your consumers would have a lot more confidence in you. dogespan: And yeah, it'd be great. Yep. Oh yeah. That's true. We offsetkeyz: true. We should. We can replace the metaskimmer's web overlay. With uh, this skimmer has been taken down by the Daily Decrypt, and now all your credit information goes to us. Ha ha ha ha. Just kidding, that won't happen! dogespan: won't happen. Yeah, you offsetkeyz: Yeah, you just got to be our first subscriber to Patreon, which I do not want to do. dogespan: to do. It offsetkeyz: That sounds like a lot of work. you know what, we're not gonna do Patreon, we're gonna do OnlyFans. So, when we get our OnlyFans up, you better subscribe, as I mentioned at the beginning, we are here in Florida, we both flew in from our respective locations. We're visiting the Kennedy Space Center for HackspaceCon. dogespan: Center offsetkeyz: Day one, amazing. Loved it. But we have insider information that SpaceX is doing a launch in 30 minutes. and so we gotta go dogespan: We out. offsetkeyz: We got to make sure everything's safe in the in the low earth orbit or LEO So huge thanks to dogespan for being on as always huge. Thanks to me and uh Hey, dogespan: this. We'll talk to offsetkeyz: for being a part of it. dogespan: more offsetkeyz: We'll talk to you some more later

Fran Marie interviews Shelley Lynch our Public Affairs Officer with FBI Charlotte Division about LOVE SCAMS. Check out www.ic3.gov to keep up with the many scams committed, including love scams.   Shelley Lynch always reminds us to learn more about the Internet Crime Complaint Center, or IC3. It's the Nation's central hub for reporting cybercrime, which includes Valentine's Day scams. If you believe you believe that you have been a victim of a cybercrime, file a complaint or report it. Even though it might be embarrassing to admit we've been scammed, your information is invaluable.

Fraudology is presented by Spec. Learn more about how their platform and request a personal demo, or stay turned for details on our group date demo.Join us on this episode of Fraudology as host Karisse Hendrick delves into the nefarious world of the "pig butchering" scams with special guest Erin West, Deputy District Attorney for Santa Clara County in California. Erin has become a fierce advocate for victims of financial crimes after hearing heartbreaking story after heartbreaking story about this popular type of consumer-focused scam. Discover the alarming expansion of this long-con job that fuses romance scams, investment fraud, and cryptocurrency deception, causing staggering losses far beyond the $3.3 billion reported by Americans last year.In our conversation, we explore the psychological impact on victims, the connection of this scam to organized crime, and the pressing need for greater public awareness and police education to combat & seize funds from these rampant schemes. Learn about the critical role of reporting to authorities like the IC3 and the FBI to aid in the allocation and prioritization of resource to tackle these transnational cyber threats. Erin West shares her professional journey and the collaborative efforts being taken, including Operation Shamrock, to disrupt these complex fraud networks and bring justice to those affected.To Connect With Erin Directly:https://www.linkedin.com/in/erinnordbyweFraudology is hosted by Karisse Hendrick, a fraud fighter with decades of experience advising hundreds of the biggest ecommerce companies in the world on fraud, chargebacks, and other forms of abuse impacting a company's bottom line. Connect with her on LinkedIn She brings her experience, expertise, and extensive network of experts to this podcast semi weekly, on Tuesdays and Thursdays.

I always love getting the chance to talk with Dr. Desiree Alexander. She is positive, inspring and real! Kicking off the 2024 year, I wanted to have her share some ideas for self-care, dealing with overwhelm and making yourself a priorty. We had a great conversation and I hope you enjoy it. Learn more about Dr. Desiree and definitely catch her webinars! Connect with her on social and her websites! Dr. Desiree Alexander (or Desiree Alexander, EdD) Founder CEO, Educator Alexander Consulting Dr. Desiree Alexander (or Desiree Alexander, EdD) Deputy Director Associated Professional Educators of Louisiana (A+PEL) Biography: Dr. Desiree Alexander is an award-winning, multi-degreed educator, speaker, and author who has been in the educational field since 2002. She is the Founder and CEO of Educator Alexander Consulting, LLC and the Deputy Director for the Associated Professional Educators of Louisiana. She consults with members of several schools/businesses and presents at conferences globally. Dr. Alexander is lifetime certified in Louisiana in Secondary English Education as a Reading Specialist, as a School Librarian, as an Educational Technology Facilitator, as an Educational Technology Leader, and in Educational Leadership 1. She is certified in Texas as a Principal in English Language Arts and Reading for grades 4-8 and grades 8-12, as a Reading Specialist for grades EC-12, and as a School Librarian. She holds multiple technology certifications, including, but not limited to, IC3 certification, Google Certified Trainer, Innovator and Partner, Apple Teacher, and Microsoft Office Specialist. She holds a Bachelor, a Master + 30, and an Education Specialist Degree in Curriculum and Instruction from Louisiana State University, a Master of Library Science from Texas Woman's University and a Master of Educational Leadership with a concentration in Educational Technology Leadership from Nicholls State University. She also holds a Doctorate in Education with a concentration in Educational Leadership from Lamar University. She is the author of Ready to Be an Educational Leader: Your Guide for Passing the SLLA 6990 , a 2022 & 2021 Texas Computer Education Association Featured Thought Leader, 2020 International Society for Technology in Education Featured Voice, 2020 Future of Education Technology Conference Featured Presenter, 2019 Customer Commitment Award Honoree from Council Mover and Shaker, a 2017 Young Professional Initiative 40 Under 40 Awards Honoree, 2017 Center for Digital Education Top 30 Technologists, Transformers &; Trailblazers, 2017 PBS Learning Media Digital Innovator for Louisiana, 2016 Associated Professional Educators of Louisiana Member of the Year, 2015 Librarian of the Year for Louisiana Librarian Association, 2015 Campus Teacher of the Year in the Zachary Community School District and 2014 Leader of the Year for Region 2 Louisiana Association of Computer Using Educators. Learn more at www.educatoralexander.com.   Speaker Bio: Dr. Desiree Alexander is an award-winning, multi-degreed educator, speaker, and author who is the Founder CEO of Educator Alexander Consulting, LLC, and the Deputy Director for the Associated Professional Educators of Louisiana. She is an international speaker who consults with conferences, districts, schools, individual educators, and businesses. Educator Alexander Consulting empowers educators to discover and amplify the intrinsic desire to become innovators in education and aims to create a worldwide network of educators focused on the constant and consistent improvement of education for our students. Learn more at www.educatoralexander.com. Website: Social Media Handles Subscribe to All: Newsletter: Twitter:  Facebook:  Instagram:  YouTube:  LinkedIn: Pinterest: TikTok: Pronouns: She/Her Book Available: Ready to Be an Educational Leader: Your Guide for Passing the SLLA 6990 Short Link: https://bit.ly/sllabook

Detective Tim Renwick and Public Relations and Special Projects Administrator Tayleb Brooks join the podcast to talk about the theft of checks in the mail and scams impacting area residents and businesses. They provide excellent tips on how you can prevent becoming a victim and what to do if it has already happened to you. Reporting Resources: JCCPD: Call 757-253-1800 or visit P2C to file a report. FBI: For cryptocurrency scams, report at www.IC3.gov. Federal Trade Commission (FTC): Forward suspicious texts to SPAM or 7726. Report scams at www.ReportFraud.ftc.gov . Federal Communications Commission (FCC): Submit complaints at www.fcc.gov/complaints.

Our #intled #livechat comes to you from the #IC3 conference in Hyderabad, India. Chatting about the value of this event, recruiting in India, and a way to stand out in this ever-expanding student market.

How hackers are targeting ERP systems and automating more attacks.Adding to the data supporting a surge in cyber-criminal activity is the FBI Crime Compliant Center's most recent Internet Crime Report.The IC3 data shows that while the number of reported complaints actually dipped by about five percent last year, the financial losses directly attributed with Ransomware, Phishing and other attacks increased by 49 percent – totaling over $10.3 billion.The report goes on to state that, “we know not everyone who has experienced a ransomware incident has reported to the IC3." The report also called out the top three ransomware groups as LockBit, Blackcat, and Hive – none of which are new to the Security Breach audience.These hacks, and the hackers involved, are all to familiar to JP Perez-Etchegoyen. He serves as the Chief Technology Officer for Onapsis, a leading provider of integrated cybersecurity offerings. In this episode he offers an in-depth look at new challenges and solutions focused on the ransomware pandemic. We're excited to announce that Security Breach is being sponsored by Pentera. For more information on how Automated Security Validation can help you safely test all your IT security controls with the click of a button in a non-stop industrial operational environment, visit pentera.io.To download our latest report on industrial cybersecurity,  The Industrial Sector's New Battlefield, click here.To download our latest report on industrial cybersecurity, The Industrial Sector's New Battlefield, click here.

Today's Expert Guest - Dr. Judy Christman Yates, DPA, Criminologist & Financial Exploitation Specialist On past shows we have talked about Artificial Intelligence. Now there seems to be something new that has world attention called ChatGPT. But first, Judy explains what ChatBot is before explaining how ChatGPT works and what we can do with it. While ChatGPT can be an amazing tool, scammers also use it; and Judy tells us what to watch out for--and how it is being used with the Romance Scam. Finally, Judy reviews the Trade Commission's eight favorite lies used by scammers in Romance Scams. Remember, to always report if you think you are being scammed! ( FTC.gov, IC3.gov, FBI.gov) If you'd like to tell your story on Scam Squad to warn others, call Deputy District Attorney, Vick Johnson on the FRAUD HOTLINE at 805-568-2442. References and Links from this show: OpenAI, the company that developed ChatGPT, https://openai.com/ What is DALL-E? How it works and how the system generates AI art, 11/3/22, https://interestingengineering.com/innovation/what-is-dall-e-how-it-works-and-how-the-system-generates-ai-art#, “It is changing the future of art. DALL-E, written as DALL·E on the company website, is a machine-learning model created by OpenAI to produce images from language descriptions. These text-to-image descriptions are known as prompts. The system could generate realistic images just from a description of the scene. DALL-E is a neural network algorithm that creates accurate pictures from short phrases provided by the user. It comprehends language through textual descriptions and from “learning” information provided in its datasets by users and developers.” ChatGPT: Everything you need to know about OpenAI's GPT-4 tool, https://www.sciencefocus.com/future-technology/gpt-3/, 5/5/2023. How to tell GPT Scams Apart from the Real Thing, 3/17/23, https://www.howtogeek.com/879206/how-to-tell-chatgpt-scams-apart-from-the-real-thing/ What is a chatbot?, IBM https://www.ibm.com “A chatbot is a computer program that uses artificial intelligence (AI) and natural language processing (NLP) to understand customer questions and automate …” How does ChatGPT differ from the human brain? https://gcn.com/emerging-tech/2023/02/how-does-chatgpt-differ-human-intelligence/383086/, 2/17/2023. “Humans and computer intelligence harbor many similarities in how they process information, researchers say, but machines still have limitations.” ChatGPT is a data privacy nightmare. If you've ever posted online, you ought to be concerned, https://gcn.com/data-analytics/2023/02/chatgpt-data-privacy-nightmare-if-youve-ever-posted-online-you-ought-be-concerned/382718/, 2/8/2023. ChatGPT: A Scammer's Newest Tool, https://www.mcafee.com/blogs/internet-security/chatgpt-a-scammers-newest-tool/, 1/25/2023. “ Voice deepfakes are calling – here's what they are and how to avoid getting scammed, https://gcn.com/emerging-tech/2023/03/voice-deepfakes-are-calling-heres-what-they-are-and-how-avoid-getting-scammed/384188/, 3/20/2023. “The next time your mother calls [or your bank], you might want to decline. Experts warn scammers are using voice deepfakes of individuals' family and friends to steal money. . . . Thousands of people were scammed this way in 2022. . . . [it is] . . . increasingly possible to convincingly simulate a person's voice. Even worse, chatbots like ChatGPT are starting to generate realistic scripts with adaptive real-time responses.” Federal Trade Commission (FTC.gov) Help stop scammers by reporting suspicious profiles or messages to the dating app or social media platform. Then, tell the FTC at ReportFraud.ftc.gov. If someone is trying to extort you, report it to the FBI. Learn more at ftc.gov/romancescams."

In this episode, we dive into the 2022 IC3 Report and gain valuable insights into the state of internet crime. We discuss the new and interesting findings, including the staggering $10.3 billion in losses reported, the prevalence of phishing attacks, and the rise of investment scams. We also explore what can be taken with a grain of salt and what can be learned from the report, such as the importance of reporting crimes to the IC3 and training staff at all levels. Join us for this informative discussion on the latest developments in internet crime.

Information from WHAT TO DO IF YOU WERE SCAMMED, https://consumer.ftc.gov/articles/what-do-if-you-were-scammed What should you do if… You Paid a Scammer by credit/debit card or there was an unauthorized transfer from your bank account: • Contact the company or bank that issued the credit card, debit card or wire transfer from your bank account • Tell them it was a fraudulent charge. • Ask them to reverse the transaction and give you your money back. What if you Paid by gift card? • Contact the issuing company the gift card. Ask them to refund your money. Keep the gift card and the gift card receipt. What if you Sent a Wire Transfer to the scammer? • Contact the wire transfer company such as MoneyGram or Western Union • Tell them it was a fraudulent transfer. • Ask them to reverse the wire transfer and give you your money back MoneyGram: 1-800-926-94 Western Union: 1-800-448-1492 1 Ria (non-Walmart transfers): 1-877-443-1399 Ria (Walmart2Walmart and Walmart2World transfers): 1-855-355-2144 What if you Sent a Wire Transfer from your Bank? • Contact your bank and report the fraudulent transfer. • Ask them to reverse the wire transfer and give you your money back. What if you Sent Money through Money Transfer App such as Zelle, PayPal, CashApp or Venmo) • Report the fraudulent transaction to company behind the money transfer app • Ask them to reverse the payment. • If you linked the app to a credit card or debit card, report the fraud to your credit card company or bank. • Ask them to reverse the charge. What if you Paid the scammer with Cryptocurrency? • ASK person you paid to send it back. • Contact the company you used to send the money and tell them it was a fraudulent transaction. Ask them to reverse the transaction. What if you Sent Cash? • If you sent cash by U.S. mail, contact the U.S. Postal Inspection Service (877-876-2455) or other shipping company, ask them to intercept the package as soon as possible. WHAT If You Gave Scammer your Social Security Number? • Go to IdentityTheft.gov to see what steps to take, including how to monitor your credit. IdentityTheft.gov can help. What if you gave the scammer your User Name or Password? • Create a new, strong password. Make sure your password is long and strong. • Don't reuse passwords you've from other accounts. • Consider a password manager. • Add multi-factor authentication [2nd verification] when it's an option. • Pick security questions only you know the answer to. What If Scammer Has Remote Access to Your Computer or Phone? • Update your computer's security software, run a scan, and delete anything it identifies as a problem. • Turn off your computer and physically take it into a local reputable computer store. Run scans on your computer to see what actions were taken once they accessed your computer, like downloading your files and/or adding viruses and other malicious code onto your computer so they can continue to get access. What if the scammer gets Control of your cell phone number and account? • Contact your service provider to take back control of your phone number. Change your account password. • Check your credit card, bank, and other financial accounts for unauthorized charges or changes. If you see any, report them to the company or institution. Go to IdentityTheft.gov to see what steps you should take. Where should a victim report scams? If you experienced a scam — or even spotted one, ALWAYS report it to the FTC at ReportFraud.ftc.gov.[and to IC3.gov if the scam happened online.] and to local law enforcement. For more in-depth information on what we reviewed today go to ftc.gov and search for WHAT TO DO IF YOU WERE SCAMMED, https://consumer.ftc.gov/articles/wha... . You can also report scams on BBB's Scam Tracker. If you would like to speak to Deputy District Attorney Vicki Johnson about a scam, or would like to share your story on Scam Squad, call the Fraud Hotline at 805-568-2442.

GitHub disables NoName accounts. Russia dismisses reports of cyberespionage attempts against US National Laboratories. The Royal Mail cyber incident is now identified as ransomware attack. An update on the NOTAM issues that interfered with civil aviation. A Citrix vulnerability is exploited by ransomware group. CISA publishes its annual report. Bryan Vorndran of the FBI Cyber Division calibrates expectations with regard to the IC3. Our guest is Kayne McGladrey with insights on 2023 from the IEEE. And Positive Hack Days and the growing isolation of Russia's cyber sector. For links to all of today's stories check out our CyberWire daily news briefing: https://thecyberwire.com/newsletters/daily-briefing/12/8 Selected reading.  Impact of Technology in 2023 and Beyond (IEEE) Ukraine at D+323: Fighting in Soledar, and industrial mobilization. (CyberWire) GitHub disables pro-Russian hacktivist DDoS pages (CyberScoop) Russia criticises Reuters story on Russian hackers targeting U.S. nuclear scientists (Reuters) Royal Mail cyber incident now identified as ransomware attack. (CyberWire) Not a cyberattack, but an IT failure. (CyberWire) The Guardian breach and news media as targets. (CyberWire) Citrix vulnerability exploited by ransomware group. (CyberWire) 2022 Year In Review (CISA) Russia's largest hacking conference reflects isolated cyber ecosystem (Brookings)

Scamming is an industry that seeks to trick and prey on the vulnerable through a variety of platforms.       Older people have been known to fall victim to fraud, but now younger adults are the targets and they're losing money to online shopping scams, phishing emails and fake jobs. Even phone scams continue to hit millions of Americans each year, costing nearly $40 billion in 2022. MPR News host Angela Davis talks about scams and how to be a smarter consumer. We also look at how scam artists have gotten smarter and why their tricks are getting harder to identify. Guests:   Marti DeLiema is an assistant professor at the University of Minnesota School of Social Work. Susan Adams Loyd is the president and CEO of the Better Business Bureau serving Minnesota and North Dakota  Here are four key moments from the conversation. The following transcript has been edited for length and clarity. Click the audio player above to listen to the full conversation. What are some types of scams and who do they target? Marti DeLiema: We're seeing everything from online shopping scams to romance scams and tech support scams. It might not seem that the motivating factor is trying to get money from the victims since the scammer isn't asking for anything right off the bat. Scammers use mass marketing communication approaches like telephone, internet, email, so they really cast a broad net. There are certain scam types that certain types of people are more likely to take the bait on: older adults might be more susceptible to tech support scams versus young adults, who are more susceptible to online shopping or fake remote job offers. The push to remote work environments made a lot of people go online and look for these jobs. These criminals even do mock job interviews with candidates. Then the scammer sends you a check, for example, to purchase startup equipment, but then says the check accidentally was for too much money and asks you to send the difference back. You just write them a check, and a week later the bank gets in touch with you and says the check the scammers sent you was fake. A lot of people don't know about how those bogus checks work. Susan Adams Loyd: We see examples of that same check scam twisted, not only from a tech scam but to something very unsophisticated, like a refrigerator repair company. It's very simple to get people distracted in situations that they're not familiar with and those fraudsters know very carefully how to get little incremental steps towards you taking action that benefits them. People feel shame — they go underground and they don't even tell their friends. Maybe they will tell their spouse and their children if they're elderly. If you reported it to the BBB or Federal Trade Commission you might be able to get help, but if you are ashamed you don't go into a quick mode and therefore don't respond soon enough and that buys fraudsters time to get out of dodge with your cash in hand. Tell us about scammers trying to impersonate people, law enforcement, or companies Susan Adams Loyd: These scammers are good. They're quite sophisticated. They're actors. They're fraudsters. So they use scripts and role-playing, to really get to the heart of it, and they're good at it. They've done it enough times to work through the call, the timing of it, and the tone of it to make it sound real. I'm proud to say that in 2022, there were 87 callers who called BBB right before pressing send or right before responding. And, in real time, we did a rough count and saved $504,000 worth of money. BBB is a nonprofit organization, we're a non-government agency and we're here to help consumers for free. Marti DeLiema: I want to talk about one limit of consumer education, and this is something that has been coming up in my research. People do not make their best decisions when they're in states of high emotional arousal, when they're feeling deeply fearful, or when they're feeling deeply excited. So the criminals will do everything they can to get you in those emotional states right off the bat. Because then all of the warning signs, the visual warning signs, and even people expressing their concerns will be ignored and you will follow the scammer's orders. What's the federal government doing about scams? Marti DeLiema: Scams are a lot for just one office to handle a day. So one, they're a little overwhelmed. And two, it's kind of this multiple-pronged approach to fighting fraud. Consumer education is really important and also enforcement. Most of the crimes are international, they're not easy to identify or arrest, and that presents a challenge to law enforcement. Another area that they're working on is legislation: what can they do to enforce legitimate and real companies to do more to fight impersonation scams? I want to empathize with people who feel that nothing is being done. But this is just such a challenging problem, and technology is accelerating faster than we can keep up and enforce. What organizations can help people who have been scammed? Marti DeLiema: There is a government agency called the Internet Crime Complaint Center, or IC3. IC3 is an organization that takes your complaints, and they do have the ability to do a rapid response. If you can report within 24 hours, it's possible that they will be able to help you recoup those losses, especially if it's things like a wire transfer. After that, report to the Federal Trade Commission to be part of the consumer complaint. Susan Adams Loyd: AARP is one of our closest partners with the Better Business Bureau. The consumer education that AARP does on a national basis is tremendous. And we'd love to invite you to a “scam jam” where you can share your story with others. We get together and we figure out how to learn how to fight those scammers before they find us. So we have scam jams a couple of times a year with AARP. Your stories of scams Listeners called into the show and shared their stories. Here are some of them. An 84-year-old veteran loses $60,000 I was called by the CIA, supposedly. And I had my name come up in an automobile down in Texas that I was laundering money, and that I would have to pay a fine and be in prison unless I cooperated with them. They showed me their badges in a message and said: “In order to try and catch this guy we need you to take $30,000 out of your account. We will give it back to you as well as you help us.” So I sent it to someplace in California. And then I was dumb enough to do it again and sent the other $30,000 to somebody in New Jersey. When they didn't return the money, I called the number that I previously called to talk to them and that number had been disconnected. When I called the local police, I was quite surprised because they said, “You sent money out of the city so we can't do anything really for you. But go ahead and send me a report.” I called the FBI, called the bank. I'm a veteran, 84 years of age. Those were life savings. If it weren't for Social Security, I'd be on the street. — Sam from New Brighton A fake job found on Indeed.com I'm a young professional in Minneapolis, and I've been looking for a more big-girl job as they call them. I found this company, and it seemed too good to be true because they were offering a really big salary for an entry-level position. And I feel like that's a big red flag for anybody that is looking for a job. I had like three interviews with them and there was that kind of sense of urgency. A lot of times we would end an interview and they'd say, “Well, are you willing to send us this information by 5 p.m. today? it has to be today.” I would say be careful if you're looking on Indeed.com because a lot of fake workplaces actually put out ads on that website. — Christina from Minneapolis A fake illustration job may have been money laundering I'm a freelance illustrator and cartoonist and I was targeted by a checking fraud scam. In 2021, somebody contacted me saying they were an event planner, and that they needed illustrations for a COVID prevention workshop. They were smart. They knew exactly what to say to make it sound like a legitimate illustration job. They ended up sending the check for twice the amount they were supposed to send, and I was suspicious. But they emailed me before I had a chance to even ask about it. The business name printed on the check was a real business, and it had a real physical location. The routing number was from a real bank. I even asked a bank specialist who told me it looked real. After that, they started asking me for a refund. I didn't give them any money and I was waiting for the check to bounce, but it never did. It turned out that they stole the money from a legitimate account. And I guess maybe they were using me to launder it. — Lupi from Minneapolis Scams involving bail, jail and courts I've had a couple of experiences. The first happened to my father, who is in his early 60s. He was called and told that I was in jail and that he needed to send $15,000 in bail. Fortunately, he took the time that your previous caller mentioned, he called me and figured out what was going on. The second one happened to my sister-in-law, who's a medical doctor. She was almost scammed out of $6,000 through quite an elaborate situation where they found out she was a medical witness for patients of hers and they called her saying she was in contempt of missing her court date as a witness and needed to bring this cash immediately to a court station. This apparently happened to several of her colleagues. — Ryan from Mankato An Apple Pay scam while borrowing a phone One evening after work I stopped at the gas station to fill my tank and get some snacks. This gentleman came up to me and said he was having car troubles and if he could use my phone to call roadside assistance. I let him use my phone, and he called State Farm, roadside assistance on speaker. It didn't seem like they were really getting anywhere but he kept passing my phone back to me and it kept getting locked. He was asking me to put in my pin and open it again, and one of the times he passed me my phone to unlock it, the lock screen was white instead of black. After I drove off, I saw that he had attempted to charge $150 from my Apple Pay for his Google Voice number, and I realized that must have been what happened when the lock screen was white. — Kat from Minneapolis A potential client ends up being a scammer We used to live in Minneapolis. About seven years ago, my husband who works as a freelance document translator received an email from a potential client, which is typically how his business works. He spent two days working on a translation for this gentleman, and when the time came to invoice the guy, we got an envelope in the mail with traveler's checks. The man had obviously overpaid and asked us to go ahead and cash the traveler's checks and just return the difference to him. I'm an experienced business traveler and I knew by looking at them that they were fraudulent. I contacted the Federal Bureau of Investigation in downtown Minneapolis because I figured this was mail fraud, and the agent who answered the phone basically said, “we get about a dozen of these a day and we can't be bothered chasing down these little things.” — Kathy from France Resources for scam help Throughout the conversation, the guests mentioned some resources that help people who have suffered fraud, or who feel in danger of being scammed. Click on each one to go to their official website: AARP Better Business Bureau (BBB) Federal Trade Commission (FTC) Federal Bureau of Investigation (FBI) Internet Crime Complaint Center (IC3) Subscribe to the MPR News with Angela Davis podcast on: Apple Podcasts, Google Podcasts, Spotify or RSS. 

Andy Sekela is the Private Sector Coordinator for the FBI Tampa Division, who may just be on a mission to have the world's coolest resumé. In this episode, Andy joins the No Password Required team to talk about his diverse career path, including his time as an officer on a nuclear submarine, public corruption investigations, and his best “wow, I'm an FBI agent” story. He also explains the FBI's role in investigating cybersecurity breaches, what happens after an IC3 report, and career opportunities at the agency. Jack and Ernie discuss the dark web's recent offer for sale of 487 million WhatsApp numbers and how modern businesses handle suspected website scraping.

We welcome back Dr. Mandy LaGreca, one of our most popular guests on the podcast. She's known as the Bladder Pain Coach. She's healed herself and now helps her clients heal Interstitial Cystitis (and other conditions) as well. She joins us to discuss oxalates. She'll clear up what oxalates are, why we develop issues with them and how we can avoid them if we need to.Dr. LaGreca shares which foods have high levels of oxalates. Oxalates can cause lots of health issues kidney stones, fibromyalgia, endometriosis, fibroids, cataracts, breast cancer, UTIs, pulmonary fibrosis, osteoporosis, PCOS, and diabetes. But she has tips that can help us if we have oxalate issues and some advice for detoxing them.  She reminds us that plant foods are not evil and that a balanced diet is best.Key takeaways2:20    Dr. Mandy's journey with IC3:40    What's the cause of bladder pain and our gut issues?7:14    What foods have high oxalates?15:29   More than just kidney stones20:28   Oxalate dumping symptoms24:39   6-step process to health26:53   How calcium and sulfur help30:34   Oxidative stress impacts oxalate production33:16   Can binders help with oxalates?35:50   Tips for oxalates38:29   Plant-based foods are not evil41:46   Diversity of the microbiomeYou can Dr. Mandy LaGreca hereIChealer.comInstagramYoutubeTiktokYou probably have heard a lot about ozone therapy by now. Our guests mention it quite a bit on the podcast.If you are healing chronic illness or biohacking for optimal health, Simply O3 will make getting started with ozone therapy super easy.  Go to SimplyO3.com or call (844) 655 2524. Use code FIX to get 10% off!  

The COVID-19 pandemic exponentially increased the number of students taking online courses. However, many traditional teaching tactics don't transfer well to an online environment. If you're looking for techniques to create an engaging online class, our CERTIFIED Ambassador and veteran educator, Brandy Sevin has some ideas for you.  Ms. Brandy B. Sevin is from Raceland, LA, and has been an educator for 24 years. She is currently an Office Systems Instructor and Program Coordinator for Office Systems and Medical Coding for Fletcher Technical Community College in Schriever, LA, and a Professional Virtual Instructor of English and Business for Imagine Learning Edgenuity. She has Master's Degrees in Educational Technology and Administrative Leadership and a Bachelor's Degree in Business Education (grades 6-12) with minors in English (grades 6-12) and Library Science (K-12) for Louisiana. While working for Imagine Learning, she has become certified to teach grades 6-12 in the states of Georgia, Ohio, Pennsylvania, and Texas. During her years in education, she has incorporated Certiport certifications, from becoming IC3 certified the year it was released to becoming a Microsoft Office Specialist and Microsoft Certified Educator in the past year. In this episode, Brandy talks through the challenges and benefits of online teaching. She also gives her full list of resources she uses to help engage her students online. If you're hitting a wall and looking for new ideas, Brandy is here to help!  Here are all the resources Brandy uses with her students:  Google Slides www.Google.com  Canva for Education www.Canva.com Jamboard www.jamboard.com Wix www.Wix.com Prezi www.Prezi.com  Easelly https://www.easel.ly Tik Tok www.TikTok.com Flip www.flip.com Canvas https://learn.canvas.net/login/canvas Northstar Digital Literacy https://www.digitalliteracyassessment.org GCF Global https://edu.gcfglobal.org/en/ Connect with Brandy on LinkedIn here: https://www.linkedin.com/in/brandysevin/.

For older adults living with dementia, cognitive impairment can lead to susceptibility to fraudulent activities. In this episode we'll discuss with Dr. Duke Han from the Keck School of Medicine at USC what's known about the intersection of aging, cognition, and susceptibility to scams.The transcript for this episode can be found here.Duke Han PhD Faculty Profile: https://profiles.sc-ctsi.org/duke.han Additional Information:The susceptibility to scams scale developed by James, Boyle, & Bennett (2014)* is a 5-item self-report measure in which participants rated their agreement using a 7-point Likert scale (strongly agree to strongly disagree) for the following statements:I answer the phone whenever it rings, even if I do not know who is calling.I have difficulty ending a phone call, even if the caller is a telemarketer, someone I do not know, or someone I did not wish to call me.If something sounds too good to be true, it usually is.Persons over the age of 65 are often targeted by con-artists.If a telemarketer calls me, I usually listen to what they have to say.Resources for older adults (and non-older adults) to report fraud: U.S. Senate Special Committee on Aging: Fraud Hotline | Senate Committee On AgingHotline: 1-855-303-9470 (open weekdays from 9 a.m. to 5 p.m. Eastern Time)Internet Crime Compliant Center (IC3): https://Ic3.gov/Federal Trade Commission: Reportfraud.ftc.gov/*James BD, Boyle PA, Bennett DA. Correlates of susceptibility to scams in older adults without dementia. J Elder Abuse Negl. 2014;26(2):107-122. doi:10.1080/08946566.2013.821809CAPRA Website: http://capra.med.umich.edu/ You can subscribe to Minding Memory on Apple Podcasts, Spotify, Google Podcasts or wherever you listen to podcasts. Hosted on Acast. See acast.com/privacy for more information.

Ep. 59 of the Cyber Law Revolution is live!In this episode, we dive into the FBI's IC3 2021 report and discuss the trends that the FBI found in 2021 related to cybercrime.Some great insight and facts that you won't want to miss!Keep the questions and calls coming! Call me at 410-917-5189 or e-mail me at spollock@mcdonaldhopkins.com.

Recorded 2022-10-04 02:05:14 DnB Radio Tracklisting: * Redeyes, Lenzman - Wet Like Water (Original Mix)* Night Shift - Move Me (VIP)* In:Most - Light Up The Night (feat. Karina Ramage)* Redeyes, Lenzman - Dizzy Heights (Original Mix)* Nymfo - Sick With It (Original Mix)* Conrad Subs - Cool Off (Original Mix)* Flaco - Shrimp Wheel* Jayline - Anglo Saxxon (VIP Mix) * Conrad Subs - Causing Danger (Original Mix) * DLR - Living Beneath The Surface (Original Mix)* 11 East - Ladies Riddim (Original Mix) * Mollie Collins ft. IC3 & Emporer Majik - Turn Up The Sound * Skellytn - Getaway * Trex - Oddball (Original Mix)* Wallhack - Memories* Camo & Krooked, Mira Lu Kovacs - No Way Out (feat. Mira Lu Kovacs) (Original Mix)* Kbyat - Before (Original Mix)* Grafix - Synchronic* S.P.Y - Shelter* Friction - Music House (Original Mix)* Fred V & Grafix - Faint* Wilkinson - Take You Higher (Original Mix) -* Dimension (UK) - Whip Slap (Original Mix) -* Dimension - Crowd Reaction VIP * Grafix - Half Life* Chase & Status - No Problem * Decades & Aznok - Aperitas* A-Cray - Starter* Toronto Is Broken x Deuce & Charger - Pressure (Changing Faces Remix)* Unglued - Secret Foghorn (Original Mix)* A-Audio - Stop Right There (Original Mix)* Dip Vertigo - Exhale (Original Mix)* Riya - Ripples (Original Mix)* Mirai - Get on and Boogie (Original Mix)* Makoto - Golden Girl FEAT CONRAD Lenzman VIP * Calibre - Schlager - Original Mix * LSB - Space Stepper (Original Mix)* Mitekiss - Rain (Falling Down)* Viewer & Fishy - Roadtrip to the Moon (Original Mix)* Skuff - Following Visions* ID - ID* Conrad Subs - Aftermath (Original Mix)* Trex, Teej - WTE (Original Mix)* Break - Something Like That (Original Mix)* FD - Sweaty Porpoise (Original Mix)* DJ Rap - Firing Shots (Original Mix)* Youngman, Critical Impact, Furniss - Pretty Girl (Critical Impact & Sub Zero Remix)* Kleu - Forever (Original Mix)* Bladerunner - Regeneration (Original Mix)* Killa P, Mozey - Bad (Original Mix) * Taxman - Tremendous Vibes (Original Mix) * ID - ID* Audiomission - Get You With Me (Original Mix) * Quadrant, Dummy, Iris, Collette Warren - Muse (Original Mix) * SKUFF - Lights Off * Jazzinspired - Soul Somethin' (Original Mix)* Dip Vertigo & J. Leo Phillips - Change feat. Paul Deedon (Original Mix)* Qumulus - Conversations (Original Mix)* Simplification - Listen Up (Sl8r Remix)* Motiv & Dunk - Plummet * Turno, Martay M'Kenzy - Whine Up feat. Martay M'kenzy (Original Mix)* Enta - Keep Your Distance* Stay-C - Sploof* Mountain - Overload* Dr. Apollo - 3030 (Original Mix) * Prolix - Anything You Say (feat. Voicians)* Danny Byrd, The Prototypes, Lowes - Reason (Danny Byrd Extended Remix) * Skantia - Confused (Original Mix)* Myth, Zero T, Steo - Go (Original Mix)* Stamina MC - Lk (Marcus Intalex & St Files Remix)* DJ Marky & XRS - LK feat. Stamina Mc Tracklisting:* Redeyes, Lenzman - Wet Like Water (Original Mix)* Night Shift - Move Me (VIP)* In:Most - Light Up The Night (feat. Karina Ramage)* Redeyes, Lenzman - Dizzy Heights (Original Mix)* Nymfo - Sick With It (Original Mix)* Conrad Subs - Cool Off (Original Mix)* Flaco - Shrimp Wheel* Jayline - Anglo Saxxon (VIP Mix) * Conrad Subs - Causing Danger (Original Mix) * DLR - Living Beneath The Surface (Original Mix)* 11 East - Ladies Riddim (Original Mix) * Mollie Collins ft. IC3 & Emporer Majik - Turn Up The Sound * Skellytn - Getaway * Trex - Oddball (Original Mix)* Wallhack - Memories* Camo & Krooked, Mira Lu Kovacs - No Way Out (feat. Mira Lu Kovacs) (Original Mix)* Kbyat - Before (Original Mix)* Grafix - Synchronic* S.P.Y - Shelter* Friction - Music House (Original Mix)* Fred V & Grafix - Faint* Wilkinson - Take You Higher (Original Mix) -* Dimension (UK) - Whip Slap (Original Mix) -* Dimension - Crowd Reaction VIP * Grafix - Half Life* Chase & Status - No Problem * Decades & Aznok - Aperitas* A-Cray - Starter* Toronto Is Broken x Deuce & Charger - Pressure (Changing Faces Remix)* Unglued - Secret Foghorn (Original Mix)* A-Audio - Stop Right There (Original Mix)* Dip Vertigo - Exhale (Original Mix)* Riya - Ripples (Original Mix)* Mirai - Get on and Boogie (Original Mix)* Makoto - Golden Girl FEAT CONRAD Lenzman VIP * Calibre - Schlager - Original Mix * LSB - Space Stepper (Original Mix)* Mitekiss - Rain (Falling Down)* Viewer & Fishy - Roadtrip to the Moon (Original Mix)* Skuff - Following Visions* ID - ID* Conrad Subs - Aftermath (Original Mix)* Trex, Teej - WTE (Original Mix)* Break - Something Like That (Original Mix)* FD - Sweaty Porpoise (Original Mix)* DJ Rap - Firing Shots (Original Mix)* Youngman, Critical Impact, Furniss - Pretty Girl (Critical Impact & Sub Zero Remix)* Kleu - Forever (Original Mix)* Bladerunner - Regeneration (Original Mix)* Killa P, Mozey - Bad (Original Mix) * Taxman - Tremendous Vibes (Original Mix) * ID - ID* Audiomission - Get You With Me (Original Mix) * Quadrant, Dummy, Iris, Collette Warren - Muse (Original Mix) * SKUFF - Lights Off * Jazzinspired - Soul Somethin' (Original Mix)* Dip Vertigo & J. Leo Phillips - Change feat. Paul Deedon (Original Mix)* Qumulus - Conversations (Original Mix)* Simplification - Listen Up (Sl8r Remix)* Motiv & Dunk - Plummet * Turno, Martay M'Kenzy - Whine Up feat. Martay M'kenzy (Original Mix)* Enta - Keep Your Distance* Stay-C - Sploof* Mountain - Overload* Dr. Apollo - 3030 (Original Mix) * Prolix - Anything You Say (feat. Voicians)* Danny Byrd, The Prototypes, Lowes - Reason (Danny Byrd Extended Remix) * Skantia - Confused (Original Mix)* Myth, Zero T, Steo - Go (Original Mix)* Stamina MC - Lk (Marcus Intalex & St Files Remix)* DJ Marky & XRS - LK feat. Stamina Mc Download, Distribute, and Donate!

Today we'll be talking with Ari Juels. Juels is Co-Director of the Initiative for CryptoCurrencies and Contracts (IC3). He is also Chief Scientist at Chainlink Labs and a Professor in the Jacobs Technion-Cornell Institute at Cornell Tech. We'll be talking about his work and what motivates him.You can watch this interview on YouTube .You Can Find Hashing It Out Podcast Here:Website: https://hashingitout.sounder.fm/RSSFeed:https://feeds.sounder.fm/6234/rss.xml

El Centro de Quejas de Delitos en Internet (IC3) del FBI ha publicado su Informe de Delitos en Internet de 2021 que encontró que 2021 fue otro año récord tanto para las víctimas de delitos en Internet como para las pérdidas en dólares en los Estados Unidos. IC3 registró 847,376 quejas en el último año calendario con pérdidas totales que ascienden a $ 6.9 mil millones de dólares. Los delitos de Internet más frecuentes registrados en 2021 fueron alguna forma de Phishing/Vishing/Smishing/Pharming. Los esquemas Business Email Compromise y Email Compromise (BEC/EAC) fueron los delitos de Internet más costosos el año pasado con pérdidas ajustadas de casi $ 2.4 mil millones de dólares.Y en este episodio, les comparto cómo casí me roban $600 dólares por un correo electrónico, y mi amiga Pamela nos cuenta la sorprendente historia de una estafa que comenzó por Facebook y casí le robar $8,000 dólares.DENUNCIA UN FRAUDE CIBERNÉTICO AL FBI aquí!¿Te gustó este episodio? Déjanos tu comentario.INSTAGRAM: @RollosDeMujeresFACEBOOK:  @rollosdemujeresTIKTOK: @RollosDeMujeresEpisodio traído a ti por TRADERS VILLAGE  de Grand Prairie. Están abiertos de Viernes a Domingo, siguiendo las medidas de seguridad necesarias y con diversión y opciones de compras para toda la familia. Visítalos en 2602 Mayfield Road, Grand Prairie, Texas 75052.Gracias también a nuestros patrocinadores EL RIO GRANDE - LATIN MARKET. Aprovecha de sus grandes especiales cada semana, visita su página www.ElRioGrande.net para que los veas. Tienen carnes con los mejores cortes, frutas y verduras frescas, pasteles deliciosos, pan calientito y platillos latinos deliciosos ya preparados y listos para llevar a casa en su área de cocina. Síguelos en las redes sociales como @elriomarket ----------------------------------------------------------------------------------------------------The FBI's Internet Crime Complaint Center (IC3) has released its 2021 Internet Crime Report which found that 2021 was another record year for both victims of internet crime and dollar losses in the United States. 847,376 complaints were logged by IC3 in the last calendar year with total losses amounting to $6.9 billion. The most frequent internet crimes recorded in 2021 were some form of Phishing/Vishing/Smishing/Pharming. Business Email Compromise and Email Compromise schemes(BEC/EAC) and were the costliest internet crimes last year with adjusted losses of nearly $2.4 billion. REPORT INTERNET CRIME HERE!

Math professor and Canada 150 Research Chair Anita Layton discusses using computer models to modernize medicine and make it more equitable. IC3 becomes the Waterloo Climate Institute. Orientation, campus move-in, and the University's United Way Campaign seek volunteers. And registration is open for the Mental Health Literacy Certificate. Links and resources: IC3: https://uwaterloo.ca/climate-institute/about/2022-2026-strategic-plan Volunteer for move-in and orientation: https://outlook.office365.com/owa/calendar/bkg-Fall2022VolunteerSignup@uwaterloo.ca/bookings/ United Way: https://uwaterloo.ca/united-way/ Core committee registration - https://uwaterloo.ca/united-way/united-way-campaign-core-committee-members Ambassador volunteer registration - https://uwaterloo.ca/united-way/volunteer-form Orange shirt: https://wstore.uwaterloo.ca/catalogsearch/result/?q=orange+shirts+%2B+indigenous Mental Health Literacy Certificate: https://uwaterloo.ca/campus-wellness/counselling-services/mental-health-training-opportunities Beyond the Bulletin on YouTube: https://www.youtube.com/playlist?list=PLawkBQ15NDEkkHnZKLer9upKt2l9edSoe Podcast listener survey: uwaterloo.ca/daily-bulletin/pod…st-listener-survey

In occasione del JAZZ MOOD DAY, il 26 aprile 2022, abbiamo avuto come ospite il batterista Christian Meyer e la sua manager Silvia Bolbo. Fin dalla mattina i ragazzi hanno fatto le prove per il concerto che si è svolto alle ore 17.30. E' stata un'occasione veramente unica per suonare insieme ad un importante musicista che ha coinvolto tutti con uno spettacolo e una presentazione della musica Jazz, citando i più grandi musicisti e facendoci sentire la varietà stilistica del suo strumento. Potete trovare l'intero concerto sui nostri canali Ic3 e ascoltare questa breve intervista a cura dei giornalisti della redazione di web radio. --- Send in a voice message: https://anchor.fm/radiomatta9/message

Mason Thompsen is a 20-year-old programmer living in Skagit County. He put his mind to it and strove forward when he was young, releasing a game when I was 15 and working on another title now. While life has not been a piece of cake for him, he believes that just goes to show that anyone, no matter where they come from or what situations they face, can accomplish their dreams if they stick to their motivation and stay determined.Mason's company is currently a sole proprietorship that he has just listed under his name. He's been on television before, both in an advertisement for coconut Kenney's and one for the local pacific science centre when he was young, and holds an amateur radio licence. He grew up on a farm with two parents and three other siblings. He and his older sister are adopted, while his two younger siblings (one brother and one sister) are born naturally.Mason Thompsen's mother got aggressive brain cancer in 2019, and he separated from her in order to ease the financial burden on her, moving in with his grandparents and then struggling for a little while on the streets before finding a place at the local Cascades Job Corps.Mason's goal for the future is to release a AAA title and to get hired at a professional studio, as well as to get his bachelor's in Computer Science. As for right now, he's pursuing an A+ certification, has an IC3 certification, and is looking to enrol in Skagit Valley College next year. See acast.com/privacy for privacy and opt-out information.

Welcome to this week's edition of Your Moment of Trust! Shortages in the supply of baby formula are leading new moms to find other ways of finding the much-needed item--and risking themselves to potential online scams. The U.S. Food and Drug Administration announced it is taking proactive measures to increase supply to help ease the shortage. According to the 2021 BBB Scam Tracker Risk Report, online shopping scams are the riskiest. With the current supply issues on many items, including formula, scammers are watching.   How it works: An ad, post, or social media group posts they have baby formula available. The buyer contacts the seller via chat or direct message, showing photos of the cans available. The buyer makes a payment through a peer-to-peer platform such as PayPal (a BBB Accredited Business) or Venmo (a BBB Accredited Business), but the formula never arrives.   Signs of a potential online purchase scam include:   ● Positive reviews on the website that have been copied from honest sites or created by scammers. Be aware, some review websites claim to be independent but are funded by scammers. Check BBB.org. ● No indication of a brick-and-mortar address or the address shows on a Google map as a parking lot, residence, or unrelated business than what is listed on the website. ● Misspellings, grammatical errors, or other descriptive language that is inconsistent with the product. ● The seller advertises on a social media site and is communicative until the payment is made. Once the payment clears, they are unreachable. Check out the website before making a purchase: ● Visit BBB.org to check a business's rating and BBB accreditation status. Impostors have been known to copy the BBB seal. If it is real, clicking on the seal will lead to the company's BBB profile on BBB.org - check the domain of the URL. ● Conduct an internet search with the company name and the word “scam.” This may locate other complaints about the site. ● Make a note of the website where the order is placed. Take a screenshot of the item ordered, in case the website disappears, or a different item is received in the mail than what was advertised. ● Credit cards often provide more protection against fraud than other payment methods. ● Think before you click. Be especially cautious about email solicitations and online ads on social media sites. Report suspected online shopping fraud to: ● Better Business Bureau - file a complaint at BBB.org or report a scam at BBB.org/scamtracker. ● Federal Trade Commission (FTC) - file a complaint at reportfraud.ftc.gov or call 877-FTC-Help. ● National Intellectual Property Rights Coordination Center - report intellectual property and counterfeiting violations to iprcenter.gov/referral/view. ● Internet Crime Complaint enter (IC3) - file a complaint at ic3.gov/complaint. ● Canadian Anti-Fraud Centre - file a report at antifraudcentre-centreantifraude.ca or call 1-888-495-8501. ● Facebook – report ads that violate Facebooks policies by clicking the *** next to an ad to go to facebook.com/business/help. ● Instagram - report copyright infringement or other policy violations at help.instagram.com. ● Amazon – report suspicious activities and webpages at Amazon.com. ● Google – report scams at Google.com. ● PayPal - call (888) 221-1161 to speak with a live person instead of using an automated system if you receive an item that is not as advertised. ● Credit card company - Call the phone number on the back of the credit card to report the fraud and request a refund.

Весенний danceтрип вместе с Пиратской Станцией продолжается на радио Рекорд! Ощущайте горячие грувы новых и ярких, событийных и просто качевых релизов dnb/jungle музыки! GVOZD vibes: 01. T & Sugah & Karina Ramage - Let Me Out 02. Voicians - Light It Up 03. Tantrum Desire - In The Dance 04. Jfb & Slingshot - What Shes Having 05. Benny L & Shabba D - Activate 06. Screamarts - Parallel 07. Melinki & D'Cypher - I Should 08. Nc-17-Demon Knight 09. Calyx & Teebee - Made In Detroit 10. Disphonia-Cant Hold Back (Gydra Remix) 11. Celldweller - The Imperial March (Kaixo Remix) 12. Merikan-Infobesity (Myselor Remix) 13. Calyx & Teebee -Dial Up 14. Trilo & Qo - Turn It Up 15. Calyx & Teebee - Cloak And Dagger 16. Upgrade - Visuals 17. Brain - Got It 18. K Motionz - Lights (feat. Ic3) 19. Airglo & Sammie Hall-Know Me (Sola Remix) 20. Calyx & Teebee-Anything For Attention 21. Nc-17-Punch Drunk Love 22. Kontrakt - Gurn 23. Crystal Clear - Divide & Conquer 24. Kontrakt - Meet The Machine 25. Sakkura & The Brash Assassins -Roll With Me 26. Lost City/Navigator - Junglist General (Jngl Mix) 27. Lost City/Spyda - Cant Get Enough (Jngl Mix) 28. Nc-17 - Dead Heat 29. Trex - Plummet 30. Kumarion -Right Now 31. Frame - Toolbox 32. S9-Morse Code 33. Maurizzle - Get Down 34. Nick The Lot - Lighter Thief 35.Envy, Raptor - 555 36.Upgrade - on you 37.Nick The Lot - London Calling 38. Tomtom - Beetle Juice 39. Dunk-Paris 40. Filip Motovunski & Joe Raygun - Giveem (Rahmanee Remix) 41. Lost City/Capital D -Crazy In Love (Jngl Vip) 42. Dlr, Script - A Different Style 43. Voltage, Shy Fx, Agent Sasco - Amazing 44. Jaise - Delete Completed 45. Calyx & Teebee-War Dub 46. Thugwidow, Katon - Home Town 47. Lost City/Don Cotti/Liondub/Marcus Visionary - The Boss (Jngl Mix) 48. Lost City/Ward 21 -Sicko (Jngl Mix) 49. Baraka -A Million And One 50. Lavery - Beckton Stinks (Marcus Visionary 4 The Pirate Remix) 51. Kloke - Bliss Machine 52.Orca - Tranquility To Earth 53. Drytek-Nomad 54.Loxy & Resound - leagues deep 55. Nichenka Zoryana - Xobot 56. dub phizix-come on (extended mix) 57. Beat Merchants-Holy Tron 58. Chillhomers & Slayt-Double 59. Zero Gravity Syncline - Skydive 60. Con-Figure, Karavitz & Nathan Chisholm - Away 61. Foreign Concept & Slay & Roxiie Reese -Vibe 62. Motiv Surreal - Lazy Saturday (feat. Salem Focus) 63. Forum - Rebel Heart 64. Viewer-Her Kisses 65. Motiv - Up Down 66. Alias - Moment

01. T & Sugah & Karina Ramage - Let Me Out 02. Voicians - Light It Up 03. Tantrum Desire - In The Dance 04. Jfb & Slingshot - What Shes Having 05. Benny L & Shabba D - Activate 06. Screamarts - Parallel 07. Melinki & D'Cypher - I Should 08. Nc-17-Demon Knight 09. Calyx & Teebee - Made In Detroit 10. Disphonia-Cant Hold Back (Gydra Remix) 11. Celldweller - The Imperial March (Kaixo Remix) 12. Merikan-Infobesity (Myselor Remix) 13. Calyx & Teebee -Dial Up 14. Trilo & Qo - Turn It Up 15. Calyx & Teebee - Cloak And Dagger 16. Upgrade - Visuals 17. Brain - Got It 18. K Motionz - Lights (feat. Ic3) 19. Airglo & Sammie Hall-Know Me (Sola Remix) 20. Calyx & Teebee-Anything For Attention 21. Nc-17-Punch Drunk Love 22. Kontrakt - Gurn 23. Crystal Clear - Divide & Conquer 24. Kontrakt - Meet The Machine 25. Sakkura & The Brash Assassins -Roll With Me 26. Lost City/Navigator - Junglist General (Jngl Mix) 27. Lost City/Spyda - Cant Get Enough (Jngl Mix) 28. Nc-17 - Dead Heat 29. Trex - Plummet 30. Kumarion -Right Now 31. Frame - Toolbox 32. S9-Morse Code 33. Maurizzle - Get Down 34. Nick The Lot - Lighter Thief 35. Tomtom - Beetle Juice 36. Dunk-Paris 37. Filip Motovunski & Joe Raygun - Giveem (Rahmanee Remix) 38. Lost City/Capital D -Crazy In Love (Jngl Vip) 39. Dlr, Script - A Different Style 40. Voltage, Shy Fx, Agent Sasco - Amazing 41. Jaise - Delete Completed 42. Calyx & Teebee-War Dub 43. Thugwidow, Katon - Home Town 44. Lost City/Don Cotti/Liondub/Marcus Visionary - The Boss (Jngl Mix) 45. Lost City/Ward 21 -Sicko (Jngl Mix) 46. Baraka -A Million And One 47. Lavery - Beckton Stinks (Marcus Visionary 4 The Pirate Remix) 48. Kloke - Bliss Machine 49. Drytek-Nomad 50. Nichenka Zoryana - Xobot 51. Beat Merchants-Holy Tron 52. Chillhomers & Slayt-Double 53. Zero Gravity Syncline - Skydive 54. Con-Figure, Karavitz & Nathan Chisholm - Away 55. Foreign Concept & Slay & Roxiie Reese -Vibe 56. Motiv Surreal - Lazy Saturday (feat. Salem Focus) 57. Motiv Surreal - Lazy Saturday (feat. Salem Focus) 58. Forum - Rebel Heart 59. Viewer-Her Kisses 60. Motiv - Up Down 60. Alias - Moment

01. T & Sugah & Karina Ramage - Let Me Out 02. Voicians - Light It Up 03. Tantrum Desire - In The Dance 04. Jfb & Slingshot - What Shes Having 05. Benny L & Shabba D - Activate 06. Screamarts - Parallel 07. Melinki & D'Cypher - I Should 08. Nc-17-Demon Knight 09. Calyx & Teebee - Made In Detroit 10. Disphonia-Cant Hold Back (Gydra Remix) 11. Celldweller - The Imperial March (Kaixo Remix) 12. Merikan-Infobesity (Myselor Remix) 13. Calyx & Teebee -Dial Up 14. Trilo & Qo - Turn It Up 15. Calyx & Teebee - Cloak And Dagger 16. Upgrade - Visuals 17. Brain - Got It 18. K Motionz - Lights (feat. Ic3) 19. Airglo & Sammie Hall-Know Me (Sola Remix) 20. Calyx & Teebee-Anything For Attention 21. Nc-17-Punch Drunk Love 22. Kontrakt - Gurn 23. Crystal Clear - Divide & Conquer 24. Kontrakt - Meet The Machine 25. Sakkura & The Brash Assassins -Roll With Me 26. Lost City/Navigator - Junglist General (Jngl Mix) 27. Lost City/Spyda - Cant Get Enough (Jngl Mix) 28. Nc-17 - Dead Heat 29. Trex - Plummet 30. Kumarion -Right Now 31. Frame - Toolbox 32. S9-Morse Code 33. Maurizzle - Get Down 34. Nick The Lot - Lighter Thief 35. Tomtom - Beetle Juice 36. Dunk-Paris 37. Filip Motovunski & Joe Raygun - Giveem (Rahmanee Remix) 38. Lost City/Capital D -Crazy In Love (Jngl Vip) 39. Dlr, Script - A Different Style 40. Voltage, Shy Fx, Agent Sasco - Amazing 41. Jaise - Delete Completed 42. Calyx & Teebee-War Dub 43. Thugwidow, Katon - Home Town 44. Lost City/Don Cotti/Liondub/Marcus Visionary - The Boss (Jngl Mix) 45. Lost City/Ward 21 -Sicko (Jngl Mix) 46. Baraka -A Million And One 47. Lavery - Beckton Stinks (Marcus Visionary 4 The Pirate Remix) 48. Kloke - Bliss Machine 49. Drytek-Nomad 50. Nichenka Zoryana - Xobot 51. Beat Merchants-Holy Tron 52. Chillhomers & Slayt-Double 53. Zero Gravity Syncline - Skydive 54. Con-Figure, Karavitz & Nathan Chisholm - Away 55. Foreign Concept & Slay & Roxiie Reese -Vibe 56. Motiv Surreal - Lazy Saturday (feat. Salem Focus) 57. Motiv Surreal - Lazy Saturday (feat. Salem Focus) 58. Forum - Rebel Heart 59. Viewer-Her Kisses 60. Motiv - Up Down 60. Alias - Moment

Công trình xử lý chống ngập tại nút giao thông IC3, thuộc Quốc lộ Nam Sông Hậu, quận Cái Răng (TP Cần Thơ) thi công gần 3 tháng nay đang khiến người đi đường ngao ngán bởi bụi tung mịt mù, che khuất tầm nhìn và kẹt xe hàng tiếng đồng hồ.

In this episode of TCG, I welcome fellow retired FBI SSA Ed Parmelee to talk about his career arc and his time at FBIHQ in both the Counterterrorism Division and the Cyber Division.  It is a great discussion on some of the ins and outs of the FBI puzzle palace. I also discuss the 2021 IC3 crime report, the threat of the week is the biggest ongoing threat for everyone, and I close up with another successful cyber conviction courtesy of the US Secret Service.  Give a listen, tell a friend. Feel free to email me at darren@thecyburguy.com or follow me at linkedin.com/in/darrenmott.  

Learn the latest on sophisticated schemes targeting businesses like yours and what you can do to protect yourself. Melissa Jay Murphy 00:06 Hello, everyone, welcome to the Title Now Pop-up webinar. I'm Melissa Murphy with The Fund and I am relaunching these webinars after taking a fairly significant break. So, thank you for tuning in. Because it's been several months since I hosted a webinar, I thought that I would make sure that all of you know we also have a podcast I feel very modern and with it. The podcast is also called Title Now and I generally push the audio from these webinars to the podcast and will be doing that with today's presentation. The podcast is available through all of the typical channels so sign up and take advantage of all the great content that we have in the podcast. So, what are we talking about today? We're talking about cyber fraud and why cyber fraud because it is the number one threat to our industry. It's the number one threat to your business. Despite that reality I fear that so many people in the closing business have heard about cyber fraud over and over and over again and I know I nag about cyber fraud over and over again. You've become sort of resigned to it. You've made minimal gestures toward protecting yourself perhaps setting up some procedures you've made minimal efforts to really keep up to date with what's going on out there in the world of cyber fraud. You're basically rolling the dice on whether you will be the next victim and honestly in today's market, unless you have $400,000 or $500,000 set aside in your rainy-day fund, you are really taking a chance. So, I feel like because this threat to our industry has evolved over the past year. Things have changed and in who's behind this and how they're, what their business plan is, what their workflow model is. And those changes are not good for us. The criminals have figured out that preying on our industry is pretty darn lucrative and apparently not that hard. So, I thought it was a great time to revisit this topic give you an opportunity to learn more about who is behind this crime, how they view our industry and how they have identified our weak points and how they can get in. We have two gentlemen with us today that are on the frontlines of this war and yes, it's a war. They're going to share their knowledge, expertise, and advice on what the industry and you need to understand and what you need to do to address this threat. So first, I have with me, Tom Cronkright. Tom's an attorney in Michigan, but much more importantly than that Tom is in a closing business. He has a title agency Sun Title, it's a high-volume agency, and he also has a company CertifID, that's in the business of safeguarding money in real estate deals and through this process through this life experience, Tom has become one of the real estate industry's leading experts on cyber fraud and he is committed to solving the largest problem in real estate. And he's so good at this, that the Secret Service has partnered with him. We have Steven Dougherty here from the Secret Service. And as you can see from his impressive background, he's with the Global Investigations Operation Center for the Secret Service. Tom and Steven, let's get started. What's happening in the world of cyber fraud, business email fraud? What do we need to know? Tom Cronkright 4:28 Steven, I'll let you take this but Melissa, thanks for taking the time and just spreading more and more awareness on this topic. You do such a nice job, appreciate the tee up. But Steven, why don't we read you in we've had a very very active year and a half together and as far as combating BEC, or business email compromise and wire fraud. But as Melissa mentioned, a little bit more background but I'm a wire fraud victim as well. So as an attorney, title agent, I've been through this process. Unfortunately, in 2015, it cost me nearly $200,000 and ended up in a high-profile federal trial down in Tampa. So, when Melissa mentioned that I've become a subject matter expert, I just paid a lot of tuition in this realm that these are courses I did not want to take. As a title agent or lawyer, I don't remember a cyber fraud and money laundering class in law school. I remember tax and corporations secure transactions, but that's it. Steven, you could be read the group into what we're seeing at a high level and how that starts to work its way down into the real estate. Steven Dougherty 05:40 Yes, where I sit in a very unique position here. I'm at Secret Service headquarters in Washington DC. I'm in a desk here called our business email compromised mission desk, in which my unit gets in pretty much real time aggregative incidences cyber enabled financial fraud affecting every industry. These guys are threat actors are targeting every industry out there where financial transactions are taking place. You know, every industry has it, but where's it most visible? It's most visible in the real estate sector. So, they've really turned their sights on the real estate sector for the past several years and they continue to focus on it because there's so many different transactions involved in real estate transactions. You have your closing, you have your mortgage payoff, you have your earnest money deposit. All of these things are being targeted by our threat actors, and it is driven by one thing. The intersection of what I call contemporaneous and privileged information between your buyer and seller, your real estate and closing attorney they will be the only the ones you would think would have the information like the Closing Disclosure, mortgage payoff documents, anything involving the transaction, but that gets intercepted by our bad actors. And then they weaponize that against you. To get you to redirect transfers of funds, send a payment somewhere you shouldn't stuff like that. Tom Cronkright 7:03 Steven when you say that they're visible. What do you mean that real estate transactions are uniquely visible? Steven Dougherty 07:10 Just the information is out there, due to the real estate sector types of reporting information. Tom, you know, you and I have talked about this a lot about how much of open-source information is available for us to go get or for our threat actors to go find. They can use that, piece it together and then uses that to do a very, very targeted attack. That's so specific that fools even the most complex or educated individuals to spend their money. Tom Cronkright 7:38 Yeah, what we've seen I want to layer on it mostly, if you don't mind. I went two minutes on this because I think the framework of where we are right now creates unique vulnerabilities than when I was hit in 2015 as an agent. So, if we think about the multiple listing service, all of our real estate partners that feed us deals that we're codependent on have an obligation to post up activity on the MLS. That MLS has contracts with Zillow and Trulia and a realtor typically for money to syndicate or buy that data in real time. So, what's interesting is real estate, being now the largest asset of people's lives, and there's not a close second given appreciation. I don't know if you guys saw the NICU from ALTA this morning, but home prices went up another 15% last year. That not only is that the largest asset of people's lives, it's the most visible transaction that we have in the United States. Car purchasing and other high value assets those are happening between, you know, kind of behind the curtain but not real estate. Because of the open market process that a listing agent has to conduct to get highest best use or highest best value for a property and then the fraudster just mine these deal boards. Say “Oh, looks like Norma is listing her house” and “Steve is listing his house” and listing you know, my whatever it happens to be. And then through phishing strategies, these real estate agents have the security of a dumpster essentially, on a super warm day. And they're just exposing us and I'm just going to say it because look, not every time but let's just say in most cases, and then we don't know that all the information that Steven is saying contemporaneous and privileged is being scraped and analyzed overseas, to then trick a homebuyer. And again, let's talk about homeownership right now. There is no inventory. We fell below 1 million listings last month there are more licensed real estate agents in the country than there are homes for sale for the first time that they've been tracking inventory levels. Run the math. By about a few 100,000, we have 3,800 licensed real estate agents in Greater Grand Rapids. This morning we had 900 listings. So, what does it take to buy a parked property? I've got an employee right now at CertifID. She missed out on three offers. She's been through 12 homes she was high fiving me last night almost crying in a text. “Oh my gosh, we got one right.” They’re going to do anything they can to close that. When they get to the end three weeks from now and are asked to transfer money, if they're not set up for success, that buyer anxiety and that buyer fatigue, at a time when we need them more protected, I would argue creates more vulnerability because look I'm not going through that process again. So, I'm going to do whatever you need. If you're saying I don't need to bring a check anymore and I’ve got a wire funds. Tell me where to send that wire. Steven, I think you'll agree we saw that over and over and over and continue to every week that we're involved in recovery efforts. Steven Dougherty 10:56 Yes. Talking to you touch on some really good points. So, let's talk about how these compromises are actually occurring. How are they actually getting in and getting this information out? What they do is through multiple different means either through already having your password for your email account that's already on the dark web through a data breach compromise. You guys actually go to a website Have I been pwned? https://haveibeenpwned.com They've been your email address and see if that email address was involved in any of the large-scale data breach compromises. They'll take that information, find your old password, try to use that to log into your account. That's one way to do it. Another way they'll attack is through a targeted phishing email, where they'll send you an email with a document to click on for some reason. You click on it because you think you're supposed it brings you to a web page. You type in your email address and password and boom are bad actors now your email address and password. And once they have that information, they go in and they log into your email account. They only log in one time. Generally, what they do is they'll go to your settings, and they'll set up an email rule to auto forward out any email you receive. So, you get an email from your client or homebuyer saying, “Hey, I've been told to close yeah, these are the details I have. What do you have?” Now our threat actor has all that information. That's how they get it. They only log in once, they setup the email rule, and the emails are built around that. Melissa Jay Murphy 12:29 Steven, I'd had a question on the chat for you. Oh, Tom already responded to the question. He is spot on. So, we have put in the chat the website that you go to see whether or not your email has been compromised and is out there on the dark web. https://haveibeenpwned.com So that's all. Steven Dougherty 12:50 Yeah, essentially, essentially, it's a website that conglomerates a bunch of different data breaches, and you know, going back for years, so your email address was involved in one of these. It will ping that and show you. That's why it's important to really keep your passwords updated, use new passwords, and don't repeat passwords. These threat actors, they just see that information, and they just start trying it in different places and they get lucky. Tom Cronkright 13:20 Steven let's stay on email accounts because they just seem to be the genesis of all things bad when they're compromised. Not only complex password, but can you speak a little bit about the importance of email settings and analyzing email settings. I think if this industry is ever going to set up Lunch and Learns this year is training our referral partners to identify whether their email accounts have been breached. This is one way but within the email account have rules been set up where their email account is being monitored in real time. They just don't know it and how you prevent it. Steven Dougherty 13:58 So essentially, like I said, these guys log into your email account just once, they go into your settings and they set up a setting or filter to auto forward out of all your emails that way and it’s not only that, they're deleting everything that gets auto forwarded out. They can tailor it to be very specific that you'd have it say you know, any email that uses the word “wire” or “account” or “payment”. I want you to filter that out to another email account and then delete it. So, it is very targeted with that. What we recommend and what you really should be doing along with changing your passwords very regularly, as you change your password every time go in and check those settings and make sure no unauthorized settings have been set up. You can also actually automate that through different your IT groups if you have them. Your IT groups can even, especially if you're using suite like Office 365, can be set up a way to monitor all email rules that are set up on your system to prevent unauthorized roles being set up. So that's one thing is very important. You guys got to check on that just as much as you can get your password. If you do review your rules, you will be able to see the rules set up. Most of the time, these are set out as user generated rules that you can see in those settings. Pretty easy to do. Particularly in Outlook go up to the gear on the right, click that drop it down, go to Settings, go to rules and alerts if anything's been set up there. Tom Cronkright 15:56 Yeah, I mean specifically any forwarding rules, any autodelete rules, any rules that scan for keywords in emails, all of those you can see either in Outlook 365 version or a desktop or native environment. Also in Google, Yahoo. All the different platforms have essentially these rule settings. The challenge is if the rule is set up, you could change your password every single day. The fraudster is still moving that communication into other accounts. So, you just got to make sure you kick him out of that. Then you reset the password and then you enable two factor or what's called multifactor authentication. Multifactor authentication is an additional security setting. So, you have your username, you have your password. We use a complex password manager here at our all of our organizations. That is LastPass. (https://www.lastpass.com) In a complex password manager you create this super secure master password and then for every site that you link for your email accounts, they create some ridiculous password that like you'd never know it. When you enable multifactor, multifactor is one more layer of security that provides a unique code each and every time that you send in a request to access the account. This adds a little bit more friction. But again, we're balancing friction with user security and data security. As attorneys the bar for us is always higher. There's no difference in court when we're standing up and someone's on the other side saying “Let me get this straight. You didn't check a box of multifactor that could have prevented this whole thing because this seems to be the proximate cause of where we're landing here.” Either your IOLTA account or escrow account was drained. Or I've got a consumer facing the loss of life savings. So that's just the brutal truth of it guys. Then using secure email, judges really don't understand secure email, but secure email is essentially a rail that provides security layer between one server and another server. So, you're sending the email on more secure basis. What we're talking about is making sure that that destination point isn't compromised. Because if the destination point is compromised, secured email doesn't do any good at all. Okay, the secure email secures it in transit, not what they call “at rest.” So, you got to do both. Melissa Jay Murphy 18:03 So, it seems to me that these additional safeguards and procedures are all a result of the increasing sophistication and increasing numbers of attempts. So, you know, I just don't think this is somebody in a gray hoodie in a Starbucks anymore. So, who is it that's behind this now because hasn't that change? Steven Dougherty 19:13 She's stole my line or she stole our favorite line. The line is that these are not your lone wolf hackers sitting in their grandma's basement drinking Mountain Dew and eating Cheetos, their favorite lives. That's what people think when they think you know, computer hackers, cyber fraud. But no, it's definitely not these guys operate what I refer to as the enterprise business model. It's a top-down business with a C suite and all set up with people below them to work these very complex organizations. They are transnational organized crime organizations. With the C suite you have your CEOs, then they call themselves that Mr. CEO, Mr. Chairman, and they're the ones that are kind of dictate how they want to do their attacks. Then they realize okay, I need somebody to pull off my phishing attack. So, they'll go hire somebody to do that. Then they're gonna be like, “Alright, cool, the phishing attacks good. I have the good information. I know when this transaction is going to be done, and I'm going to redirect it.” So now it's redirecting to another bank account. So now they need the launder that money. They need to get that money to themselves to do that they go and set up a sort of financial director wing. That is this expansive network of global money mules that just constantly are transmitting money back and forth. This problem has gotten really bad. We're seeing a lot of money mules actually be picked from some romance scams prior. So, they are unwitting money mules. They don't know what they're doing. They're just told by someone they met online, that they're going to receive money and help them for construction project or something like that. Then afford those funds on. It is a sprawling network of money mules here. It gets even more granular you have sort of an admin team that helps maintain spoof domains that they need to carry out their attacks or monitor, maintain email addresses or pull off other types of fraud such as unemployment, insurance fraud, even ransomware is tied into this now to kind of bolster up the organization. So, you really have a robust organization you're dealing with here, and they're very complex. They're very efficient, and as they make more money from these frauds, they only get better. Now they can afford more money mules. They get afford better malware. So, it's just momentum that they've developed and it's a momentous problem. Melissa Jay Murphy 20:51 I know that they're targeting title agents because title agents are receiving and sending money, but the source of most wire diversions and claims that I am seeing amongst Fund Members involve that mortgage payoff and they're intercepting the mortgage payoff when it's being sent to the title agent? Are they sort of hoping that there's an easier way that they can get to that mortgage information and scale it up? Do you think that that's on the horizon? Steven Dougherty 21:37 Yes. Or it may have already happened, in some instances where they're getting in and they're getting pure information fed to them before it reaches its destination. Tom and I are seeing something very similar. We can't speak about specifics, but Tom if you want to touch on it. Tom Cronkright 21:55 You're exactly right. Melissa, I ran a statistic. The average open mortgage balance at the beginning of this month was just over $299,000 across the country. Okay, we haven't seen those levels ever. Again, that's because of the accelerated increase in home prices. So, a few years ago, mortgage payoff fraud really was I'm sitting in the real estate agent’s account. I'm seeing the closing attorney send over the mortgage payoff between the client they're sitting somewhere and they're obtaining the original copy of the mortgage payoff. They're taking that PDF, they're using software to doctor that up and then spoofing typically, the loan servicer or the lender saying, “Hey, we had to make a correction. Here's an updated payoff.” So, they're we're using it as kind of an updated payoff scam. But what they're realizing now is to say, “Wait a second, what if we could distribute your original payoff into the email system of the party requesting it, and it's fraudulent from the beginning, like the first one has been tampered with?” So, we saw this early on in the Nashville area mid-summer. And then we just saw in the state of Texas, where the fraudsters again appear to have compromised the electronic fax account of the title company or title companies using the fax to receive mortgage paths. Look, I'm in the industry, 98% of these come over by “fax”, but it's not the fax of days passed because that was a machine that telephonically printed out something on a piece of paper. We said we can't do that anymore. We need the fax to be converted to a PDF and an email and then have that sent into our general stream of communication. So, they figured out I call it the note of distribution. They figured out that to your point well that's that's a great phrasing. We can compromise these at scale. If we could get access to the eFax, GFI FaxMaker. It doesn't matter guys, but if they get in there, they can reroute traffic from the originating servicer where the payoffs being sent from, doctor that up, and push it right through the same rail down in the email. Fascinating scam, and we've seen them do it unfortunately at scale as recently as a couple of weeks ago. Melissa Jay Murphy 24:44 What I hear you saying is that in those situations, it doesn't matter if the criminal has put email forwarding rules in my account, or not, because they're in there before it even gets to me. So, they're not even diverting any information from my account. They, you know, they've moved on to a much more sophisticated scheme. Tom Cronkright 25:16 That's 100%, right. If you look at what 80% by definition of our disbursement obligations, sit at the mortgage payoff. We can't adequately insure it. The most insurance you're going to get is 250,000 per and that's assuming you did 15 things and a COVID test and a blood test to show them that you did everything to mitigate the insurance company's risk, which if you did that, you wouldn't have the fraud. And I think the other thing that we're seeing is, you just simply can't trust mortgage payoffs that are coming from in either direction from the fax right now, from a closing attorney that you relied upon to gather that because you're the dispersing agent, not the rep representing the seller. And if you don't mind, I'll touch on this. It comes down to essentially three things. One you have codified somewhere a trusted list of mortgage payoff information. Treasury templates are the best way to do it. That's stored on your bank server wall. So, you start to set up the wire. You type in Bank of America and all of a sudden, a bunch of known trusted accounts pop up, you compare it to what you have, you release the wire. Some people do that on spreadsheets. I've seen people that have had folders of PDFs that check, check and date. However, you do it, history can be a very, very good guide on what is true versus things that are not true. When it comes to mortgage payoffs. Calling to verify any new account information is even harder than it was before. It’s hard enough to get them to initiate the payoff. It's even harder right now to confirm just general bank account information for a wire but you have to do it or you just send a check, add some per diem, send a check but that's why it's important to get the mortgage payoff early in the process. Let's just think about mortgage payoff risk. Unless I'm sorry, this is going to breach some underwriting standard. The risk only goes down because the worst case is they made another payment. So, let's just get it out in the open. Let's get it before the fraudster has visibility to it. We can always ask for an update or they'll settle that out with the borrower at the end if for some reason they're radio silent on the verification. Know that we're in the process and we will be launching at CertifID an insured mortgage payoff database for spring market. So, we're in the process of analyzing over 300,000 trusted mortgage payoff records right now. We'll be piloting this in the next two weeks with a group and then we'll be launching this out. This is the number one threat. This is the threat guy that keeps me up at night. Because I know that any loan, commercial, there the table stakes could get large very quick where I'm out of business as a Title Agency in one single wire. We were involved last year in a 22 and a half million dollar, about $21 million commercial payoff wire recovery that landed in the money mule’s account. One wire that would have been lights out. Steven Dougherty 28:28 So, if these do happen to you, and there's a very good chance that it may just due to the threat landscape that's out there. The one thing that's extremely important here, time is money. If you discover this, you need to report it as quickly as you possibly can. There are numerous ways to report it. You can report it through any secret service field office, you can just Google “secretservice.gov and field offices.” You guys I believe are all in Florida, right for the most part. So, while our Orlando Tampa and Miami offices are all very active, very good offices, you can reach out directly to them. Or you can also go to FBI’s IC3, the IC3.gov. www.ic3.gov It’s the Internet Crime Complaint Center. You can also report it there. I'll put the link to the Secret Service field offices in the chat here in a second. But time is money, Tom, I mean, you know you get live streams of victims to you, and you get them to me and how fast have you seen money move within hours. So, we need to stress that time is money. Tom Cronkright 29:27 Yeah, what used to be touted as you know, 72 to 96 hours with the advent of cryptocurrency and just the sophistication. So, what happens in most cases is that when fraudulent wiring instructions are sent, they are typically sent from somewhere overseas. They're sent from the syndicate running the fraud play, but domestically, they have a series of money mules that either know what they're doing or wrapped up in something they're not even aware of that take money in and then quickly move it out. They can withdraw it in cashier's checks. They can withdraw it in cash. They can buy gift cards. Most insidious is that they move into crypto wallets. Then those wallets move and then they move out into other fiat currencies in different countries, and they can move those funds while the Federal Reserve is closed. So, as we're trying to digitize and make it more convenient, these rails of moving money, that are we would look at as kind of nontraditional, it's just a superhighway for them to launder funds and almost completely avoid detection. So, if you're two or three days in, and you haven't triggered a response from federal law enforcement and notified the banks, I mean the to your points Steven we've seen money move within hours. But we've also had instances where the money was in the bank branch. We notified the bank through our efforts, and they were stopped cold. I love stories like that. But it's harder. It's harder to reclaim the money after it's been stolen because they understand the gravity of how quickly they have to move the funds. Melissa Jay Murphy 31:13 So let me go back and let's try to make this really clear to our audience. The moment that you realize that either a mortgage payoff has been diverted or perhaps the sellers’ proceeds have been diverted. You contact a secret service field office, you email the IC3 website and file a notification. You must I assume contact your sending bank and the receiving bank and who do you ask to speak to at both the sending bank and the receiving bank? Tom Cronkright 31:59 So, before you answer, Steven, here's the point of this. What he's about to say needs to be done in advance. These relationships in this pathway needs to be groomed before you have an incident because what we found is that when crisis hits, people freeze and you're burning daylight, that could mean the difference between something coming back and everything being lost. So, I didn't need to step on you there Steven, but what we're about to say is do not wait. This playbook should be set in the organization before there's an incident. Steven Dougherty 32:41 The way I prioritize it is first you should actually contact your financial institution that sent the wire. They generally will on your behalf send a wire recall or a swift message that it was due to a fraudulent means or compromise. If you contact the receiving bank directly if you're not a client for them, oftentimes they won't help you because you're not their client or customer. That's just a caveat. But immediately contact your financial institution and tell them what happens and see if they can put a wire recall in. The next step is to contact federal law enforcement or local law enforcement really whatever you're comfortable with. But what Tom's point was great is you need to have an incident response plan in place before these happen. You need to know who to call to help you. Local law enforcement can help with this. State law enforcement to help and federal law enforcement. So, it's whoever you're comfortable with who you developed a relationship with. You can just Google obviously I provide the Secret Service field offices link you can also Google FBI field offices. HSI Homeland Security also plays in this space. IC3.gov is just a place to report that these happened. Even if there's an attempt, report and attempt. Even if you stop it, please report it to the IC3.gov because what that does is it now gives us meat to go after because there's still the bank account that was used to divert the funds, or the spoofed emails used to send the attack email. We can go add to that as well. So please, the biggest steps are to have an instant response plan in place where you know who to contact and how, and two report everything you can wherever you see because not only does it protect yourself it protects the entire community. Tom Cronkright 34:24 Yeah, well, what I've what I've been most surprised by when I'm most surprised, but one of the surprising things Steven I've involved in well over 100 recoveries last year for 35 to 36 million victims. And I say that because each one has a little uniqueness to it. One thing that seems to be bubbling up is if you're banking with a credit union or a community bank, maybe a smaller regional bank. You might be surprised, and you don't want to be surprised when you're going through it, that they don't have a fraud desk, they don't have somebody that understands how to send an alert through the Fed wire system or notify the receiving bank which is typically a money center bank. So, it's leaving a small bank. I mean, 9 times out of 10 it's hitting one of the big guys, because of the coordination they have globally. So, if they don't have their own incident wire fraud communication, all those channels. I mean, I had to educate bank presidents on what an indemnification and hold harmless looks like going to a money center bank, to allow the funds to come back to a victim. It's surprises me as a lawyer. So just don't be surprised. You run this. Sit down with your banker and make sure you know exactly who to call and the information that they will that will require. If they in turn, have the rails set up to protect you and get the documentation that the receiving bank is going to need to put a suspension on the account, freeze the movement of money, and hopefully work that back to you or your customer. And Melissa, it's worth noting it's not just the disbursement wires, yes, those were a direct hit to the closing attorneys. But it's the risks that buyers face when the closing attorney is spoofed. They haven't been educated. They haven't been engaged on this issue. They haven't received wiring instructions. And all of a sudden at the closing table we realize that there's no certified check in hand because their life savings was wired a few days ago. And I'm going to say this it does not matter to tell the people we don't receive wired we only receive certified checks. We have seen time and time again. The fraudster redirecting through communication the requirement that “Nope, can't have a check now because I've got an OMICRON outbreak or something's going on. I need your wire and I need your wire today.” It's just we've seen it unfortunately. Melissa Jay Murphy 37:05 It does seem to me that reverting to what we call the old-fashioned way of conducting business has some role here, has some advantages here. Some of the questions on the chat or have to deal with these new fax systems that do come straight to your computer versus more of a phone line that's sitting on the desk behind you. But is it better to use an old-fashioned fax machine to send and receive things? The problem is a buyer, the normal consumer, out there doesn’t have a fax machine sitting on their desk if they have a fax number? It's something tied to their computer, but certainly for the purpose of receiving a payoff from a lender. An old-fashioned fax machine seems like it might give you some level of protection. Then in dealing with for example, buyers that need information about where to send their cash due at closing. I don't know what the average homeownership is now, but you know, it's five to seven years, maybe. People don't do this on a daily basis the way we do and so they're not sophisticated and educated about this cyber fraud and rather than communicating with them via email it seems like a reliable form of communication is the good old-fashioned phone. Do you agree? Is that something real practical piece of advice? Steven Dougherty 39:01 You know for customers; this is not a muscle memory transaction for them. Just to put it out there, everybody puts disclaimers at the bottom of their email saying, “wire fraud is real.” Well, guess what? People don't read anything below your signature line in your email. They read the content. That's it, they're not reading and paying attention to that. So, you really have to engage your clients and customers on a very sort of vigorous basis. Tom, you agree that you should do it upfront and throughout the entire process. Let them know, this is the process, and fraud exists, this is how we combat it. Tom Cronkright 39:44 We didn't create this threat. The threat is not going away. It's only getting worse. So, what do we do in response? My argument has been to the industry, to my staff, to our community here in West Michigan primarily is that this isn't going to happen on our watch. And if it does happen, we as transaction participants as advisors, lending, real estate, title and closing that we've done everything we could. We met the standard of care as is being defined in the courts, unfortunately, federal and state as to what success looks like for a consumer to be protected. The challenge is we're not driving them to the bank. We're not over their shoulder when they're opening online banking. A lot of them are banking with an eBank and there's no bank branches. That's the other realization with this economy we're in. We're not in a good fun state. So, I don't have to take wires and if I put my title owner hat on, I don't have to take wires in for cash to close. Now don't have to send wires out, pursuant to the state of Michigan. But what I need to do is educate the consumer that this thread is out there. They can strike at any point and we're going to set you up for success. So, the first thing we do is when we issue the title commitment, we send our wiring instructions along with a wire fraud notice to every consumer. We send it through CertifID. You may even say I'm going to send it through secure email; however, you send it just make sure that you have confirmation that they're the ones that actually received it. Because in a vacuum you can say “Look, no wires only checks. Got it great. We'll see you at closing” and then they get tricked after and it's simply not enough. The other thing that we've done is educate them of the closing scheduled. “Hey, remember if you are going to wire only those instructions that were sent earlier can be trusted.” With regard to enrolling the real estate agents and the referral partners. This is the key. This is where you can multiply the message and multiply this yourself in this conversation because guess who they trust? They trust the real estate agent because they're typically the one driving the traffic. You're being fed off them. Everyone is kind of beholden or codependent on the real estate agent. There's an opportunity there that at the agency formation, this knowledge transfer takes place. So, through notices, we've provided what we call a “day zero document” that our real estate agents put in Dotloop and DocuSign that we have the customer sign because they might start working with a buyer six weeks ago trying to find houses. We've been involved in wire fraud recoveries where the purchase agreement wasn't even countersigned by the seller in the entire cash to close amount was wired to a fraudster by the buyer. Purchase Agreement wasn't even consummated yet. That's how early they can get approached. So, educating the real estate agent, you know, showing them what you're doing to protect the consumer to protect them, and then getting them as part of the lexicon of how they do their business. Wire fraud becomes this conversational piece, not something that we hide behind or act like it's not happening. That in my opinion, is how you drive sustainable engagement. You can't do it all yourself. Melissa Jay Murphy 43:16 Interesting. I think thiss has been an incredible source of information. So, thank you to Tom and Steven. I think that we might have raised some questions that we have not been able to answer and those have been reflected in the chat. So, what I am going to try to do along with my team is look at the issues and questions created by the chat. Review the information that Tom and Steven have shared with us. Try to make some organizational sense to it and try to push something out to Fund Members to update them on the best way to deal with this. Nothing about what you do when you realize there's been a crime is really different than what's on our website right now, Fund Members. We have the IC3 website. The Secret Service connection is something that's a little bit new. And so, we're definitely going to add that kind of information to our webpage. https://www.thefund.com/information-center/information-security.aspx Steven, so thank you for that. Steven Dougherty 44:35 On that website, you can actually go back to do investigations. And there's actually numerous pieces, there's PDFs, there's documents that help prepare for a cyber incident and give updated information on cyber stuff that you can definitely pull down and link to on your website. www.ic3.gov Melissa Jay Murphy 44:54 We will definitely look into that. So, with that I am going to thank Tom and Steven again. I'm going to thank all of you 190 people that participated in this webinar. Thank you so much for your time and attention. Don't forget we're going to push this out on the podcast. And so that's another way you can listen to this webinar again in the information. We will make sense of the comments and information that has been posted in the chats and push that out to you. And as I always do when I wrap up one of these is thank you above all, thank you for your support of The Fund.

We have spent a lot of time talking about Ransomeware, and a main attack vector is phishing emails, but there is another very large problem that comes from malicious emails and that is BEC or Business Email Compromise. In fact, the FBI's IC3 reported that there were more than 4.2 billion in losses tied to cyber crime in 2020, and BEC accounted for 60% of that. Hey everybody, this is Chris Brandt with Sandesh Patel, welcome to another FUTRtech video podcast.Business Email Compromise is hitting businesses and consumers hard. I'm sure everyone has seen these types of attacks in their inbox. Everything from fraud and romance scams to crypto scams and everything in-between. It is a lucrative business. Today we have with us Mike Britton, CISO for Abnormal Security, a platform that uses a human behavior security engine for blocking email attacks, including phishing, malware, ransomware, social engineering, executive impersonation, supply chain compromise, internal account compromise, spam, and graymail. Mike is here to tell us about Business email compromise and how to protect against it.Welcome MikeFUTRtech focuses on startups, innovation, culture and the business of emerging tech with weekly video podcasts where Chris Brandt and Sandesh Patel talk with Industry leaders and deep thinkers.Occasionally we share links to products we use. As an Amazon Associate we earn from qualifying purchases on Amazon.

Are you trying to build a digital literacy program at your school? Then this episode is for you! Get perspective from fellow educators Abner Soto-Henry, Karen Johnson-Maloney, and Amanda Deebrah about the value of digital literacy in today's job market, how to get your students excited about these skills, and the new IC3 Digital Literacy GS6 curriculum and exam. Learn what it's been like to implement the courseware, how students are responding, and best practices for the coming school year.  About our guests: Amanda Deebrah grew up and still lives in NYC. She graduated summa cum laude from the New York City College of Technology (Brooklyn, NY) with her Bachelor of Science in Education in Spring 2018. She graduated summa cum laude from the New York Institute of Technology (Old Westbury, NY) with her Master of Science in Spring 2020. Amanda is a high school teacher for the NYC Department of Education and absolutely loves her job. Her students make her look forward to going to work every day. No two days are ever the same and seeing her students grow makes her feel accomplished. Abner Soto-Henry has taught information technology education for nearly 20 years at the Latin American Youth Center Career Academy, specializing in Microsoft certifications, IC3 Digital Literacy certifications, and CompTIA certifications. In total, Mr. Soto-Henry has more than 24 years of experience in education. Originally from Costa Rica, Abner speaks fluent Spanish, English, and Portuguese, enabling him to connect with the students he serves. He has received several awards, including being named Certiport's 2021 Educator of the Year. A former professional soccer player, his passion for teaching is only rivaled by his love of the game. Karen Johnson-Maloney is a Louisiana native, who migrated to Florida 41 years ago. She loves helping others and becoming a teacher has allowed her to serve her students and community. She has 21 years of teaching experience, teaching high school and middle school. She is incredibly passionate about teaching IC3 and digital literacy skills. Her greatest pleasure comes from being a wife, mother and grandmother, and she divides her time between her family, making memories and enjoying the beach. More info about Certiport: You can also check out the webinar mentioned in this episode on our Certiport YouTube page: https://www.youtube.com/watch?v=UezJUMrNtuI&t=3s.   Get all the details about Certiport here: https://certiport.pearsonvue.com/  Find out more about our CERTIFIED Educator Conference here: https://certified.certiport.com/.  Ready to connect? Join CERTIFIED: Certiport's Educator Community here: https://www.linkedin.com/groups/8958289/.

Hello To All My Purpose Seekers Out There. It's yo boy Doctor Purpose! In this week's episode, I interview a dear friend and business partner Professor Lynn of SparqU. SparqU provides Workforce Training & STEM-oriented programs, testing services, and tutoring services. SparqU is a social enterprise that operates as an incubator for social entrepreneurs to provide STEM-based workforce training and other support resources targeting undeserved communities. With its collaborative partners in the last 2 years, his BootUp Camps have assisted in awarding almost 200 Internet Core Competency Certification and (IC3) digital literacy certifications to over 100 people in Metro Denver without them having to pay out of pocket. You can find Professor Lynn Wilson at www.SparqU.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/doctorpurpose/message Support this podcast: https://podcasters.spotify.com/pod/show/doctorpurpose/support

Tracklist 00:16 | ebu - Unspoken (Kaeros) 02:58 | Nikola Melnikov & Max Sorokin - Zosmo 06:35 | Shingo Nakamura & Stendahl - Tribute, Chapter III 08:40 | Sysdemes - Dragon's Gamble 11:40 | Drinks On Me - More To Give 13:37 | TIGER DROOL - SABER TOOTH (QUIX Remix) 15:54 | Illenium, Nurko, & Valerie Broussard - Sideways 18:09 | Sub001 - Portal To Nowhere 20:40 | QUIX - Lighthouse 22:09 | Nitro Fun - System Failure 23:39 | Jason Ross, Blanke, & Chandler Leighton - One More Day 27:10 | Lightbenders - Crystal Grotto 35:04 | Darren Styles & Ashley Wallbridge - All My Life (feat. Gavin Beach) 38:16 | Curbi - Breathe (MizuGeorge Flip) 41:28 | Synthion - Windrunner 45:24 | K Motionz - Reaction (feat. IC3) 49:14 | Tristam & Braken - Flight (Alsky Remix) 53:52 | Emoter - Awakenings

Each week we take a look at the most recent and interesting events and trends related to data security and privacy. Today we're going to take a stroll through the FBI's annual report on cybercrime. It's been 21 years since the Bureau's Internet Crime Complaint Center or IC3 was formed to track cyber-crime. Read more: https://www.idtheftcenter.org/fbi-report-shows-a-sharp-cybercrime-increase-over-the-last-five-years/ Follow on LinkedIn: www.linkedin.com/company/idtheftcenter/ Follow on Twitter: twitter.com/IDTheftCenter

Streams of consciousness. Puerto Rico, Healthcare and Nigeria. All the stuff that's on my heart. Song List: 1. No Soy Para Ti - Ismael Rivera 2. Las Caras Lindas - Ismael Rivera y Sus Cachimbos 3. Yo Quiero Una Mujer - Johnny Pacheco 4. COMO UN BEBÉ (feat. Mr Eazi) - J Balvin, Bad Bunny & Mr Eazi 5. Pour Me Water - Mr Eazi 6. How Far? (feat. Tony Allen and Skepta) - Gorillaz 7. Ojuelegba (Remix) (feat. Drake & Skepta) - Wizkid 8. IC3 (feat. Skepta) - Ghetts 9. La Murga - Willie Colón, Héctor Lavoe & Yomo Toro Spotify: https://open.spotify.com/playlist/0WbzQooiiB17XNG95UrFDR?si=irKbtUe5Tm2Fl0dtIwWkhg Apple Music: https://music.apple.com/us/playlist/5-the-wolf/pl.u-11zPdPgikga5d7 ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Email: q.westpodcast@gmail.com Instagram: @HankAverroes Twitter: @HankAverroes CashApp: $HankAverroes Patreon: patreon.com/QWestPodcast