Recently, I learned some unfortunate news from a number of plywood customers. Recently, they have encountered different degrees of foreign trade fraud. Hackers intercepted the internal and external mail between enterprises and foreign plywood customers, tampered with the information of the plywood remittance account, and then sent it to foreign plywood customers. The foreign plywood customers were unprepared and transferred the money to the fraudsters, which has caused many domestic foreign trade enterprises to “win the bidding” and suffered serious losses.
What should I do when foreign trade fraud occurs? How to recover losses?
The 30 minutes after the fraud is golden time. If it is found that the foreign plywood customer has remitted plywood to the swindler, then there will be two situations that need us to deal with calmly.
First case:
If you find that you have been cheated, immediately cooperate with foreign plywood customers to prevent the money from reaching the fraudster’s account, so that you can completely avoid losses.
Step 1: Ask the payer (foreign plywood customer) to call the police immediately, and notify the paying bank to send an urgent telegram (foreign bank) to request the receiving bank to freeze the payment (the bank where the fraudster opens an account, usually Hong Kong, Macao, Taiwan or foreign bank). This is the most important!
Step 2: Let the payer (foreign plywood customer) immediately prepare the power of attorney and send it to us, and entrust us to deal with this matter. Contact the receiving bank (the bank where the fraudster opens an account) at the first time to apply for freezing the payment. At this time, the power of attorney and relevant evidence of the foreign plywood customer are very important until the urgent telegram from the paying bank is received.
Some swindlers will open domestic offshore banks to impersonate, which will directly report to the location of the receiving bank.
The second case:
Handle according to the first situation, but failed to stop it in time. Don’t give up hope. Continue to cooperate with foreign plywood customers to prevent swindlers from taking away the money or taking it in disguised form. The disguised withdrawal here means that some swindlers will trade the money for a second time to launder the stolen money, such as transferring it to the account of a third party company through negotiation; Or divert money to secondary accounts, tertiary accounts or even more. If the other party’s account is not frozen quickly in a short time, the tracking difficulty will be greatly increased.
Step 1: Apply to the receiving bank to freeze the account of the swindler. Note that here is to freeze the entire account of the swindler, not just the funds. Don’t forget to call the police. The power of attorney and relevant evidence of foreign plywood customers are ready.
Step 2: Go through judicial procedures and file a lawsuit. It is suggested to file a case in China and let foreign plywood customers entrust us to deal with this matter. After all, the lost money is ours, so it will be more attentive to deal with it by ourselves. As in dealing with domestic commercial disputes, submit evidence, request the court to file a case, and then freeze the other party’s entire account until the end of the lawsuit. If you win, the court orders the bank to transfer money to you; If you lose, the swindler can still take the money away. Relevant evidence is very important.
This is time-consuming, laborious and costly, but there is still hope to recover the money. Within 30 minutes after the fraud, remember to operate in a timely manner according to the small letter above and strive for the minimum loss.
Why can liars succeed repeatedly? It is mainly because we have done enough homework in the early stage and mastered the key information of the transaction. Usually, as soon as the fraudsters focus on the target (foreign trade enterprises), they will “lurk” in the enterprise’s internal network for a long time. They can easily grasp the trend of enterprise transactions by intruding into the mailbox of foreign-related personnel and spying on the incoming and outgoing mail by means of the number stealing software or a Trojan horse virus.
Does it sound terrible? However, Xiaoxin still wants to say that fraud can be avoided. Here Xiaoxin shares some practical methods to foreign trade enterprises and foreign trade personnel based on his own experience:
① Try to use the special mailbox of the enterprise. The content of the email is mostly related to the business of the company. You can open the account security service, such as the remote login SMS reminder, or the login mobile verification code function;
② To enhance the complexity of the mailbox password, you can use the cross combination of letters and letters, numbers, punctuation and special symbols. The most important thing is to form the habit of changing the password regularly. It is recommended to change the password every 2-3 months;
③ The contents of the mail should not involve the plywood remittance transaction, bank account number and other information, and it is better to confirm the account information by telephone, fax and other means before the plywood remittance;
④ The change of bank account number shall be explained and confirmed by telephone, fax, WeChat, WHATSAPP, Skype and other means. Whether it is made by yourself or in case of the change of plywood customer’s email notification request, it is necessary to wait for the confirmation of telephone, fax, Skype WeChat and WHATSAPP before conducting plywood remittance;
⑤ Important files should be placed in the attachment and encrypted. The password should be told by phone or Skype. When you see the encrypted file, the hacker can’t monitor your email;
⑥ It is better to set up a special network security management post inside the enterprise to regularly check and monitor the daily network from being tampered with and malicious invasion, to ensure the internal network security, and to assign special personnel for computers involving secrets;
⑦ Use digital signatures so that you can know who the other person is, where the email comes from, and the integrity of the email. It is another effective way to prevent email spoofing.
In addition, there are some daily habits to ensure network security, such as not randomly clicking links and programs sent by others, not setting automatic passwords for browsers, paying attention to the receiving address, frequent cleaning and antivirus of computers, etc. These things can be done with daily attention, forming habits, and giving cheaters much less opportunities to attack.
We have the responsibility to do a good job of fraud prevention, that is to protect ourselves and also protect plywood customers. Please share it with more people.
