Protecting Older Australians Online: Recognizing and Avoiding Scams

1. May 2018

2. Older Australians are at a greater risk of being scammed

3. Why do you think older Australians are at more risk of being scammed online?

4. Why older Australians are at risk Often they have more money and accumulated wealth than younger people Can be more vulnerable especially if recently divorced or lost a long term partner May also be seen as generally less internet savvy

5. Activity List three scams you’ve heard of recently 1 2 3

6. The top 10 scams in 2017 by amount lost

7. What will we cover today? Types of scams How to recognise them What to do What not to do Who to speak to when you need help

8. Common scams targeting the elderly 01 02 03 04 Romance and dating scams Unexpected prize and lottery scams Tech support scams Phishing scams

9. 01 Romance and dating scams

10. How do they work? Margaret F. Hey babe! I was really looking forward to us meeting, but my mum's poorly. Her operationcosts $20K and there's beena delay withmy bonus. SUN 9:38AM Margaret F. Status: Single Origin: Sydney, Australia Location: London, UK

11. Look out for Margaret F. SUN 9:38AM Hey babe! I was really looking forward to us meeting, but my mum's poorly. Her operationis $20K and there's beena delay withmy bonus.

12. Look out for Pablo R. Margaret F. SUN 9:38AM TUE 7:23PM I'm stuck in customs and they won't let me go withoutpaying a bribe. My bank card doesn't work here. Can you transfer $10kto my account? Hey babe! I was really looking forward to us meeting, but my mum's poorly. Her operationcosts $20K and there's beena delay withmy bonus.

13. Look out for Pablo R. Bianca D. Margaret F. SUN 9:38AM FRI 3:13PM TUE 7:23PM I'm stuck in customs and they won't let me go withoutpaying a bribe. My bank card doesn't work here. Can you transfer $10kto my account? Hey babe! I was really looking forward to us meeting, but my mum's poorly. Her operationcosts $20K and there's beena delay withmy bonus. I studyd law at haRvard uni. How bout u?

14. Look out for Pablo R. Bianca D. Frank S. Margaret F. SUN 9:38AM FRI 3:13PM TUE 7:23PM SAT 7:18AM I'm stuck in customs and they won't let me go withoutpaying a bribe. My bank card doesn't work here. Can you transfer $10kto my account? Hey babe! I was really looking forward to us meeting, but my mum's poorly. Her operationcosts $20K and there's beena delay withmy bonus. I studyd law at haRvard uni. How bout u? How much do you earn? Your properties must be worth a lot?

15. Don’t Transfer any money to somebody you’ve only spoken to by phone or email. • Send personal information such as your date of birth, bank or credit card details.

16. 2 What can you do? Margaret F. SUN 9:38AM 1 3 I’m sorry to ask but do you think you could lend me the money? I promise to pay you back. Trust your instincts!

17. 02 Unexpected prize and lottery scams

18. How do they work? To: frank@bmail.com Subject: Congratulations! You’ve WON!!! Dear Winner, Congratulations! We are happy to announce that you have won a lot of money in our international lottery. Please provide your Full Name, Date of Birth, Residential Address and Phone Number in order to commence release of your lottery prize. 1 2

19. How do they work? To: frank@bmail.com Subject: Congratulations! Winning Notification! 3 Dear Winner, Congratulations! We are happy to announce that you have won an online lottery prize in our international lottery promotion. Please provide your Full Name, Date of Birth, Residential Address and Phone Number in order to commence release of your lottery prize. CHEQUE British Lottery P.O.Box 1010 Liverpool, United Kingdom £1,020,530 Subject: LOTTERY WINNING!

20. Look out for You will need to pay shipping and handling fees in order to claim your prize.

21. Look out for You will need to pay shipping and handling fees in order to claim your prize. You have to act quickly and pay now or else you’ll lose your prize.

22. Look out for We need to know you are the correct winner, please verify your details. You will need to pay shipping and handling fees in order to claim your prize. You have to act quickly and pay now or else you’ll lose your prize.

23. Look out for We need to know you are the correct winner, please verify your details. You have to act quickly and pay now or else you’ll lose your prize. Congratulations! You have won £30 million in the UK National Lottery! You will need to pay shipping and handling fees in order to claim your prize.

24. Don’t Respond to competitions you haven’t entered • Provide your bank or credit card details

25. Remember You can’t win a prize or a lottery if you haven’t entered in the draw!

26. 03 Tech support scams

27. “ Hi, it’s Meg from Microsoft technical support. I’m calling about your computer – it’s been sending reports and it looks like it’s been infected with a virus. I can help you fix this. If you can just share your screen with me... ”

28. Look out for They contacted you. They ask you to buy software or sign up to a service

29. Don’t • Provide remote access to your computer Provide them with personal information • Buy software from an unsolicited call or email

30. 04 Phishing scams

31. How do they work? To: frank@bmail.com Subject: Your Bill 1 Amount due: $1,402.00 Dear Customer, Here’s your latest bill from Real Energy. If anything unclear, jump online to realenergy.com.au or give us a callon 1300 111 111. All the best, Real Energy View Bill

32. How do they work? To: frank@bmail.com Subject: Your Bill 2 Amount due: $1,402.00 Dear Customer, To view your bill, please click on this link below to verify your details: http://real-energy-billing.com/flip.xyyyzzi.za All the best, Real Energy

33. How do they work? RealEnergy 3 Frank First Name: Smith Last Name: 5217 1234 5678 9012 Credit card number: 123 CVV:

34. Look out for We recently failed to validate the payment information we hold on record for your account. We need to ask you to complete a short validation process. Click here to validate your account.

35. Look out for We recently failed to validate the payment information we hold on record for your account. We need to ask you to complete a short validation process. Click here to validate your account. URGENT. Your internet banking has been temporarily blocked. To restore, please visit http://stgeorgeverify.com/ immediately.

36. Look out for This is a message from your bank. You have received a new payment. The details are attached. We recently failed to validate the payment information we hold on record for your account. We need to ask you to complete a short validation process. Click here to validate your account. URGENT. Your internet banking has been temporarily blocked. To restore, please visit http://stgeorgeverify.com/ immediately. Open.html 4K

37. Don’t • Click on any links in the email Open any attachments • Use the contact details in the message to get in touch with the company

38. Example of a phishing scam

39. Example of a phishing scam

40. Example of a phishing scam

41. Phone scams what can you do?

42. Checklistto protecting yourself 1 Remember:you can’t win a competition or prize if you haven’t entered the draw. Congratulations! You have won £30 million in the UK National Lottery!

43. Checklistto protecting yourself 2 Do not click on links or download files in suspicious emails. Delete them.

44. Checklistto protecting yourself 3 Do not respond to phone calls, emails or pop up messages about ‘problems’ with your computer.

45. Checklistto protecting yourself 4 Beware of requests for your details or money. Never send money or give personal details to anyone you don’t know or trust.

46. Checklistto protecting yourself 5 • If you’re unsure about a message you’ve received, do an internet search for the company it appears to be sent from. • Do not use the contact details provided in the message.

47. Remember If it’s too good to be true, it generally is.

48. What to do if you suspect you’re being scammed Contact your bank Report to www.scamwatch.com.au Raise awareness and tell your friends

49. beconnected.esafety.gov.au More safety topics