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December 1st, 2021




If you receive a call, text, or email that . . .ou to take an immediate action.

  • Threatens to suspend your Social Security number, even if they have part or all of your Social Security number
  • Warns of arrest of legal action
  • Demands or requests immediate payment
  • Requires payment by gift card, prepaid debit card, internet currency, or by mailing cash
  • Pressures you for personal information
  • Requests secrecy
  • Threatens to seize your bank account
  • Promises to increase your Social Security benefit
  • Tries to gain your trust by providing fake “documentation,” false “evidence,” or the name of a real government official

…it is a SCAM!


Protect yourself and others from Social Security-related scams

  • Try to stay calm. Do not provide anyone with money or personal information when you feel pressured, threatened, or scared.
  • Hang up or ignore it. If you receive a suspicious call, text, or email, hang up or do not respond. Government employees will not threaten you, demand immediate payment, or try to gain your trust by sending you pictures or documents.
  • Report Social Security-related scams. If you receive a suspicious call, text, or email that mentions Social Security, ignore it and report it to the SSA Office of the Inspector General (OIG). Do not be embarrassed if you shared personal information or suffered a financial loss.
  • Get up-to-date information. Follow SSA OIG on Twitter @TheSSAOIG and Facebook @SSA Office of the Inspector General for the latest information on Social Security-related scams. Visit the Federal Trade Commission for information on other government scams.
  • Spread the word. Share your knowledge of Social Security-related scams. Post on social media using the hashtag #SlamtheScam to share your experience and warn others. Visit for more information. Please also share with your friends and family.


               Michael Cripps,

              President and CEO

December 1st, 2021

Over 300,000 Android users have downloaded banking malware apps

Cybersecurity researchers report that password-stealing banking trojans were disguised as QR code readers, fitness monitors, cryptocurrency apps and more.

Here is the article : Over 300,000 Android users have downloaded these banking trojan malware apps, say security researchers | ZDNet

This article lists the apps that are on google play that should not be downloaded or installed : ‘Banking’ Trojan Malware Hits Over 300,000 Android Users | List of Apps to Avoid on Google Play App Store | Tech Times



November 16, 2021


I just wanted to share some information to help better protect you and your family as the holidays approach.

Researchers at Tessian (an email security company) caution that people should be wary of scams as Black Friday approaches. The researchers found that 30% of people in the US reported receiving a phishing message around Black Friday in 2020.

“Nearly a third of U.S. consumers (30%) said they received a phishing email around Black Friday last year, either by email or SMS to their personal email or cell,” the researchers write. “The thing is that consumers expect to receive more marketing and advertising emails from retailers during this time, touting their deals, along with updates about their orders and notifications about deliveries.

Inboxes are noisier-than-usual and this makes it easier for cybercriminals to ‘hide’ their malicious messages. What’s more, attackers can leverage the ‘too-good-to-be-true’ deals people are expecting to receive, using them as lures to successfully deceive their victims. When the email looks like it has come from a legitimate brand and email address, people are more likely to click on malicious links that lead to fake websites or download harmful attachments.”

Tessian also notes that employees at retailers should be vigilant for phishing attacks as they approach the busiest time of the year.

“And it’s not just consumers that need to be wary,” Tessian says. “Employees in the retail industry will be busier and more distracted than ever during this time, faced with hundreds of orders, thousands of customer queries to respond to, and overwhelming sales targets to hit. Cybercriminals will use this to their advantage, crafting sophisticated phishing emails and cleverly worded social engineering messages in the hope that a stressed worker will miss the cues and comply with their requests.”


            Remember: The bad actors are out in force, and you need to remember to implement good cybersecurity and cyber-hygiene practices – especially over the next couple of months. Be extra cautious of any emails invoking an emotional response or asking for your account information. Feel free to review the October National Cybersecurity Awareness emails and forward them to your family members.




Michael Cripps,

President and CEO


Ransomware 7/1/2021

The threat of ransomware has been growing exponentially over the last year. Strengthening your ransomware defenses should be at the forefront of everyone’s mind, including individuals and businesses.

The following arcticle from The Hacker News website gives a few tips and steps to help combat this threat.

Cryptocurrency Investment Scam 5/18/2021

The Federal Trade Commission has issued a new Consumer Protection Data Spotlight that reports consumers have lost more than $80 million to cryptocurrency investment scams, an increase of more than ten-fold year-over-year, according to a new data analysis from the Commission.

For more information on this topic, visit

Banking #3 “Brand Fishing” Target – 4/16/2021

Banking has overtaken retail as the No. 3 most likely industry target for hackers seeking to acquire and misuse customers’ personal information. These bad actors often pose as representatives of your financial institution in their attempts to get at your login information or account data.

Only technology and shipping companies are more susceptible to being targeted by phishing scammers, as reported by Check Point Research in its Brand Phishing Report for Q1 2021. (Check Point Research is the threat intelligence arm of Check Point Software Technologies Ltd., a leading provider of cybersecurity solutions globally.)

Microsoft continued to be the brand most targeted by brand phishing, representing 39% of all global brand phishing attempts. International shipper DHL came in second, with 18% of such attempts. Rounding out the top 10 brands were: Google (9%), Roblox (6%), Amazon (5%), Wells Fargo (4%), Chase (2%), LinkedIn (2%), Apple (2%) and Dropbox (2%).

“Criminals increased their attempts in Q1 2021 to steal people’s personal data by impersonating leading brands, and our data clearly shows how they change their phishing tactics to increase their chances of success,” said Omer Dembinsky, Data Research Manager at Check Point Research, in a press release. “The change seen this past quarter was in the industry of banking.”

Read more here

Synthetic Fraud – 4/12/2021

Synthetic identity fraud is reported to be the fastest-growing type of financial crime (Off-site) in the United States, accounting for billions in losses annually. Moreover, the use of multiple definitions for synthetic identity fraud throughout the industry poses a fundamental problem – inconsistent categorization and reporting, making it difficult to identify and mitigate this type of fraud.

To respond to this challenge, the Federal Reserve convened a cross-industry focus group of 12 fraud experts in the fall of 2020 to develop a recommended definition of synthetic identity fraud.

“A shared understanding of what constitutes synthetic identity fraud is expected to improve its detection, measurement and mitigation in the payments industry,” said Jim Cunha, senior vice president at the Federal Reserve Bank of Boston. “Consistent use of this definition within and across organizations can enable us to discuss, identify and classify synthetic identity fraud in a similar manner.”

This spring, the focus group concluded their work with the recommendation that the following definition be used by the payments industry as it relates to synthetic identity fraud:

Synthetic identity fraud (SIF) is the use of a combination of personally identifiable information (PII) (Off-site) to fabricate a person or entity in order to commit a dishonest act for personal or financial gain.

To supplement the definition and further educate the industry, the group also outlined identity elements that may be used to create a synthetic identity, common uses of synthetics and the potential applications of the definition. Learn more about the focus group’s efforts and the development of this definition.

Microsoft Exchange Hack – 3/5/2021

At least 30,000 U.S. organizations have been hacked by newly created holes in Microsoft’s Email Software.

The following link is to a krebsonsecurity article that details the how and why, along with some things you can do to help safeguard yourself and your small business.

What is Cryptocurrency? – 2/18/2021

Working in the banking world today, this is a question we get a lot.

The following article was written by Kate Ashford for Forbes, and can answer questions for our customers that may not have much exposure to cryptocurrency.

-Troy Cripps