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[size=36]An important statement from Rafidain Bank to citizens[/size]
Local | 04:54 - 08/26/2024
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Mawazine News - Baghdad
Rafidain Bank warned its customers today, Saturday, against electronic fraud and issued several guidelines.
The statement said, "The bank is keen to educate its customers and the public about sound practices in using electronic services in general, and to direct the customer to take caution and care, to ward off the risks that may result from any attempts to access the customer's personal and financial information, through electronic fraud, telephone fraud, viruses and spyware, and identity theft."
He added that "Rafidain Bank recommends its customers to adhere to the following guidelines:
1- Avoid easy knowledge of the password, maintain its confidentiality, avoid using common and well-known passwords that are easy to predict, and change them periodically. The bank advises its customers - for their security and safety - to refrain from using known information such as date of birth, phone number, or any part of the customer's name that is easily recognizable as a password.
2- Avoid disclosing the password and personal data and maintain the confidentiality of the salary card number (Master or Visa Card), Internet banking, and the mobile banking application, and not to disclose them even to bank employees.
3- Update the customer's information and data, whether the domicile of his salary or otherwise, whenever there is a change through the branches.
4- Continuously verify your account movements (via account statement, movements in the mobile application), and if you have any doubts about any of them, review your branch or the Banking Awareness and Public Protection Department in the General Administration of the Bank."
The bank explained that "there are examples of fraudulent messages, including:
1- Phishing messages:
These messages are sent to you by impersonating an employee at the bank you deal with, where they send you messages asking you for information about your bank account or credit card under the pretext of verifying their numbers.
2- Fraud through a trick of browsing your account
. Many users have been tricked on social networks through the trick of "Find out who browsed your account on Facebook" or any other social network.
3- Prize winning messages
: Such messages claim that you have won valuable prizes or a trip to a certain country, and the sender of the message asks you to pay a certain amount to receive your prize. Never do that.
4- Fraud through collecting donations
: Collecting money in a deceptive manner, as these fraudsters publish fake stories about a patient in need of treatment or a poor family or others and request donations from social network users.
5- Online job offers
: If you apply for a job online, you will definitely be asked to fill out an application form. You can do that, but be careful not to write down your bank account number and credit card."
The bank pointed out "tips to protect against fraud attempts as follows:
A- Do not interact with people who ask you to pay a small amount of money to get a prize or gift or other offers.
B- Verify the identity of people who message you due to an emergency while claiming to be your friends or relatives.
C- Messages that include spelling and grammatical errors are always suspicious and you should be careful of them.
C- If you want to provide help or assistance, do so through official and trusted sources.
C- Do not trust pages that represent large companies or public figures that you have not verified.
H- Do not trust any social media pages that claim that they will make you a quick profit through the Internet or work from home.
G- Do not click on links that you receive via WhatsApp or social networks or those that are published in comments.
D- Do not agree to transfer a conversation with a specific person outside social networks, such as communicating via WhatsApp or providing this person's email address.
The bank stressed, "Taking precautionary measures to avoid falling victim to criminal methods that aim to defraud citizens and steal their money by people impersonating employees working in financial institutions, international institutions or private companies, and then doing the following:
1- Communicating with customers via social media (Facebook, Instagram, WhatsApp) under the pretext of providing assistance, financial prizes or monthly salaries for a specific period, in exchange for obtaining the personal information of the authorized person and the data and image of the bank card granted to him, the secret number and the OTP verification code.
2- Using the data and information necessary to create accounts in the name of customers or modify their account data or update their data or request the number that will be sent to you by SMS, and then carrying out electronic transfer operations for the purpose of paying bills and purchases and charging mobile phone balances or making electronic financial transfers to other persons.
3- Communicating with the beneficiaries of financial transfers under the pretext of executing them in their favor by mistake, and then asking them to reverse the amount by transferring to a specific account or charging a specific phone balance.
The statement said, "The bank is keen to educate its customers and the public about sound practices in using electronic services in general, and to direct the customer to take caution and care, to ward off the risks that may result from any attempts to access the customer's personal and financial information, through electronic fraud, telephone fraud, viruses and spyware, and identity theft."
He added that "Rafidain Bank recommends its customers to adhere to the following guidelines:
1- Avoid easy knowledge of the password, maintain its confidentiality, avoid using common and well-known passwords that are easy to predict, and change them periodically. The bank advises its customers - for their security and safety - to refrain from using known information such as date of birth, phone number, or any part of the customer's name that is easily recognizable as a password.
2- Avoid disclosing the password and personal data and maintain the confidentiality of the salary card number (Master or Visa Card), Internet banking, and the mobile banking application, and not to disclose them even to bank employees.
3- Update the customer's information and data, whether the domicile of his salary or otherwise, whenever there is a change through the branches.
4- Continuously verify your account movements (via account statement, movements in the mobile application), and if you have any doubts about any of them, review your branch or the Banking Awareness and Public Protection Department in the General Administration of the Bank."
The bank explained that "there are examples of fraudulent messages, including:
1- Phishing messages:
These messages are sent to you by impersonating an employee at the bank you deal with, where they send you messages asking you for information about your bank account or credit card under the pretext of verifying their numbers.
2- Fraud through a trick of browsing your account
. Many users have been tricked on social networks through the trick of "Find out who browsed your account on Facebook" or any other social network.
3- Prize winning messages
: Such messages claim that you have won valuable prizes or a trip to a certain country, and the sender of the message asks you to pay a certain amount to receive your prize. Never do that.
4- Fraud through collecting donations
: Collecting money in a deceptive manner, as these fraudsters publish fake stories about a patient in need of treatment or a poor family or others and request donations from social network users.
5- Online job offers
: If you apply for a job online, you will definitely be asked to fill out an application form. You can do that, but be careful not to write down your bank account number and credit card."
The bank pointed out "tips to protect against fraud attempts as follows:
A- Do not interact with people who ask you to pay a small amount of money to get a prize or gift or other offers.
B- Verify the identity of people who message you due to an emergency while claiming to be your friends or relatives.
C- Messages that include spelling and grammatical errors are always suspicious and you should be careful of them.
C- If you want to provide help or assistance, do so through official and trusted sources.
C- Do not trust pages that represent large companies or public figures that you have not verified.
H- Do not trust any social media pages that claim that they will make you a quick profit through the Internet or work from home.
G- Do not click on links that you receive via WhatsApp or social networks or those that are published in comments.
D- Do not agree to transfer a conversation with a specific person outside social networks, such as communicating via WhatsApp or providing this person's email address.
The bank stressed, "Taking precautionary measures to avoid falling victim to criminal methods that aim to defraud citizens and steal their money by people impersonating employees working in financial institutions, international institutions or private companies, and then doing the following:
1- Communicating with customers via social media (Facebook, Instagram, WhatsApp) under the pretext of providing assistance, financial prizes or monthly salaries for a specific period, in exchange for obtaining the personal information of the authorized person and the data and image of the bank card granted to him, the secret number and the OTP verification code.
2- Using the data and information necessary to create accounts in the name of customers or modify their account data or update their data or request the number that will be sent to you by SMS, and then carrying out electronic transfer operations for the purpose of paying bills and purchases and charging mobile phone balances or making electronic financial transfers to other persons.
3- Communicating with the beneficiaries of financial transfers under the pretext of executing them in their favor by mistake, and then asking them to reverse the amount by transferring to a specific account or charging a specific phone balance.
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