Anti Fraud

Review and get familiar with this important information
Consumers who are victims of fraud often send money for payments of:

• Items purchased on eBay or Internet auction;

• Taxes to redeem high foreign lottery prizes, raffles or inheritance;

• Fees for loans or secured credit cards;

• Deposits for apartments or residential rents;

• Emergency or travel funds to someone they have met through on an online dating site;

• Fees for a business or opportunity like “work at home”;

• Emergency situations such as trips, financial issues, fines, etc, after having been contacted by supposed friends or family members in need of help.

Fraudsters usually orient their victims to “protect” their resources:

• Instructing them to send the sum to a receiver – perhaps a relative – and then ask him to change the receiver’s name on a later date;

• Suggesting they “delay” the respective payment.

 

BE AWARE OF FRAUDSTERS ATTEMPTS TO RECRUIT OR INTIMIDATE FIRST LINE ASSOCIATES/MEMBERS.

What to look for:

 

Guidelines for sending transactions:

• Consumers who demonstrate they are very excited or anxious to receive a large sum of money or “a unique business opportunity ‘;

• Elderly who repeatedly send amounts of money – possibly being victims of fraud several times;

• Consumers who send sums of money on behalf of famous people or cartoon/fiction characters;

• Consumers who use a same name for sender and receiver;

• Consumers who demonstrate signs of urgency to send money for emergency situations.

  

Guidelines for payment transactions:

• Beneficiaries who often receive money transfer transactions from different senders;

• Beneficiaries who receive money for a while using different names / pseudonyms;

• Beneficiaries who receive money and immediately make a money transfer transaction sending all or some of the resources he has just received.

 

What to do:

• Ask questions about the transaction in a friendly and non-threatening way;

• If you suspect of fraud, tell the consumer that similar transactions indicated fraud and that he should consider not sending the money;

• If you are absolutely sure there is fraud, simply reject the transaction … even if consumers insist.

 

Who should you inform if you suspect of fraud?

• If you are a Western Union® Agent, call the Western Union Fraud Prevention hotline: 1-900-448-1492;

• If you are an agent of Vigo®, call Vigo – Fraud: 1-800-777-8784, option # 8;

• If you are an agent of Orlandi Valuta®, call Orlandi Valuta – Fraud: 1-800-529-9381, option 1.

 

HELP PROTECT YOUR AGENT AGAINST FRAUD
Use these helpful tips to strengthen safety at your Agent and help protect yourself from fraud: Remember that Western Union®, Vigo® or Orlandi Valuta® can call the agent to verify a transaction but they will NEVER:

• call an agent to enter a money transfer transaction in order to correct a problem with a transaction previously sent for any reason;

• call an agent to enter a money transfer transaction to test the system or any other communication or computer problemr;

• call an agent to pay a money transfer transaction;

• call an agent requesting account information, Agent account number or coordinates or number of Bingo Sequence;

 

Security System Tips

• Never insert a CD-ROM or USB flash drive on your computer without knowing the origin of these devices. Contact the IT department, with CSC Network or with Western Union, to confirm the validity of the download;

• Always keep your antivirus software and spyware updated and running on a daily basis;

• Assign each agent’s assistant an Operator ID (User) and an exclusive password. Change passwords every 90 days and do not share this information with anyone;

• Immediately delete the User ID of any employee who has been fired or has terminated the contract;

• Agents must keep a record of “Withdrawals by Deceit” to document the date, time, employee, money transfer control number (MTCN), amount and the reason for restoration.

 

Guidelines for Payment Agents

• In any case where the money transfer transaction has been sent with a test question, the receiver MUST provide the correct answer to the test question even if he/she provides valid identification;

• If the receiver does not provide the correct answer to the test question, DO NOT make the transaction payment. Tell the receiver to contact the sender to remove the test question feature or get the correct answer;

• Under no circumstances should you disclose to the receiver the correct answer to the test question;

• The Payment Agents shall be liable for claims of ‘Paid by Deceit’ originated from the non-compliance with this policy.

 

Who should you inform if you suspect of fraud?

• If you are a Western Union® Agent, call the Western Union Fraud Prevention hotline: 1-900-448-1492;

• If you are an agent of Vigo®, call Vigo – Fraud: 1-800-777-8784, option # 8;

• If you are an agent of Orlandi Valuta®, call Orlandi Valuta – Fraud: 1-800-529-9381, option 1.