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>~}˛{Ixt)C4y~i‚$KFY*~i ^ Rde9&Mh%Ţđo^aq=Rp;{v@ܿy ޾{\AI=_^|u?˷./7_ߦ)6t^ ()ׂT-"2Kj Y+MPC$&fO)@R0Ao(7;{Ud 3X^%Vbf3OX{m{.I 4@.IRZ`, ~bQAᆣQ?;1?KpXT0rȠo'_4.cf<S(G3H~S,ːΤ(/GXS~C 5F!EE 7ȱrF,ʠ 8ˠlW~]9 +2=ys ʀOuϲS aXSFis a6/!Eڏ a(!SIlUBu\v;U.Jˣ-\9iAQ-> w^JYS"}3csGh3j$Xh@QG851b![f+dq4T6*KfXK#v*=@*Uя)\#qa&(zh=V|NZJw̜zb)s5cmܜh &iϛ Te8*EFrS Gf8 IrC &T2).pp*34(jXgH?!1?HFe΀'"F^E*7t.o9嘮F=fOipFSPDo`(p:h[o)ݰ]IRu B}M'EٝAV>ErA0лA$K>HD0G\DD9m8;oar;]8jR䋽w}o7T*t— ,S?25S28p]NߔSNDڃQG̢縢q>jk0}~:ja}JV(H>]bEE!Xf-GS?Ƥm&ly  P0A1Ng@bԑrXG$rr7.e(Ȓwœ$3 ][%ї:G3oŮbI:O|ݍEȱC%1k.J.IX@DJ gqz jFqT *'_#TF8i_B( <aI"tJTb{ܘLx;'92F:4yF̩iN`c9w=NHA>I"'ECFGooK?yJ|u bQW.}P)AŠCரHT'śT"@)J#2`@78Ai1}=l mDmT.ӆ{^.[Y@ʕq`wP[]L(0`GSxY :JYHJ^ :[Nb_{*|KDtzQ*@ w/%P+ hMBgay0&[Kd%hRU(f(ä;Vaf$LXՓUaVbÅ̠"IVlTvU W J8&]E~#uʾN7 v5کQnQ⠁xHup}{MCPQT7=!&Ijq2yL#\tC3sr JS踯EBf3X$Xsc^<2^mu\δg&Kapd*ydsqlϨ1dK,ZϘ *#INAgbgvL+zk4Lj=l&Ⱥρrbu!"^t){J[%-YVB0f>  2QB0aMX b# ^r[/B˙Т)@;d)(y:e:W,T>ޢ,W+RqQ R'MӪK:]D'u_Rx![Z`SM`JR}!ѯBBF6Q%Rb jL AD ՜6Rbܫ!.nc]Чb*C+qpLW rjp͔(ͲDf0Ca;t?YZ!%\u*E seS\kV=ۂumzu4V #A:t^j& I N0D|%\VhC4@SDhG?}GcuGtT*]5k|VRs\T5,WeԸ[F3Cڹk#2@ebeTMAc!nX$*t襱8U Z-Gl@BL̕pG ȡF*`ɤ** *nz`?d"s_lϊqʵŰ昘=ET6)"|ߥSD ED(_GRDrs]>ED>EDh"&PN!AhRDcIJ4DUJ~ɜ>sERRD""6".)"QFt(M2a} اRDQ>&EDh""OOڧ[hB%]،@KRDB31W1""q,Tf"UM1-ET`)E>"xѰ+fwLwvm}{2/p+[&W'2?6N`wD+=v25,bqd% 嶭:-d1=ڇxX 6NmTRpsh2ҾwtUL3^"~BNl 9tutzBy+jn|;ugg~r7t:Ğ֦~4ٍ^}V,T^nLݬk8f5e.K-߮R#i:㧘ŗlf4;` lafM=j{#Tn=cS)lTA6*Tն-V:= QŤGR~9Y:c533{^sMzyosvKɤ4IWaNT]wds} UvFf:yܞSOQWSIymG#Nry"9k(mn 5wi>\bSߚ _a&+,CZր?Ь nta\v9€)rk# u%b;.KS(fP@* p(HKYbYechX6YbJItEmo e<"pXnX !~]X nX/ ,@m$ wiSأnوmM1Nl[l$Oq{4I'fu)ogs38"S=|NDD;;.!ZW텎P-R-\mrWMʡtJ'ʕ̦$EML'r>;I|s˷\"Z-^Mw2&)uͪ4n6yl3ql_eMUS=' .S&{+ܾC%-Ο ˴p0i@N#Zb Y *~7Č5AcL?48ܟ,Gw5E-'"\&-Z{gskD\B4w}ѣdDJq SϠ`_lF U2[7_l :b!`p^QKM'>΃ L]>԰70ijۄ؏<lZ>rq<Q99@ƧNw ~NBO/rX-?r=mبu2@j\=s[ "³pb^AŞ>"xo!;qohFs{$m'm uvDjj Ɗk(tA64҇`랕f9o-P^h^xs endstream endobj 20 0 obj << /Type /StructElem /S /Part /P 9 0 R /Pg 7 0 R /K [22 0 R 23 0 R 24 0 R 25 0 R 26 0 R 27 0 R 28 0 R 29 0 R 30 0 R 31 0 R 32 0 R 33 0 R 34 0 R 35 0 R 96 0 R 41 0 R 42 0 R 43 0 R 44 0 R 45 0 R 46 0 R 47 0 R 48 0 R 97 0 R 54 0 R 55 0 R 56 0 R 57 0 R 58 0 R 59 0 R 60 0 R] >> endobj 21 0 obj << /Type /StructElem /S /Part /P 9 0 R /Pg 8 0 R /K [61 0 R 62 0 R 63 0 R 98 0 R 73 0 R 74 0 R 75 0 R 76 0 R 77 0 R] >> endobj 22 0 obj << /Type /StructElem /S /H1 /T (Payment fraud is on the rise.) /E (Payment fraud is on the rise.) /Pg 7 0 R /K [8] >> endobj 23 0 obj << /Type /StructElem /S /H2 /T (Is your business following these best practices for fraud mitigation?) /E (Is your business following these best practices for fraud mitigation?) /Pg 7 0 R /K [15] >> endobj 24 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R >> endobj 25 0 obj << /Type /StructElem /S /H3 /T (Cyberattacks and payment fraud start as a phishing email 91% of the time.) /E (Cyberattacks and payment fraud start as a phishing email 91% of the time.) /Pg 7 0 R /K [19] >> endobj 26 0 obj << /Type /StructElem /S /H6 /T (Online scammers are constantly evolving their attack methods to try and solicit your banking information. One of the root causes of payment fraud is business email compromise. ) /E (Online scammers are constantly evolving their attack methods to try and solicit your banking information. One of the root causes of payment fraud is business email compromise. ) /Pg 7 0 R /K [18] >> endobj 27 0 obj << /Type /StructElem /S /P /ActualText (1) /Pg 7 0 R /K [23] >> endobj 28 0 obj << /Type /StructElem /S /H4 /T (What are some of the steps can I take to help mitigate email compromise and payment fraud?) /E (What are some of the steps can I take to help mitigate email compromise and payment fraud?) /Pg 7 0 R /K [22] >> endobj 29 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R >> endobj 30 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R >> endobj 31 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R >> endobj 32 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R >> endobj 33 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R >> endobj 34 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R >> endobj 35 0 obj << /Type /StructElem /S /H6 /T (Verify any vendor account changes by reaching out directly to an existing, previously known contact for information using a separate email or phone call.) /E (Verify any vendor account changes by reaching out directly to an existing, previously known contact for information using a separate email or phone call.) /Pg 7 0 R /K [9] >> endobj 36 0 obj << /Type /StructElem /S /P /P 99 0 R /ActualText <496620796F752063616E907420636F6E6669726D20616C6C206163636F756E74206368616E6765732C207072696F726974697A6520796F7572206566666F727473206261736564206F6E207269736B2C20737563682061732073657474696E6720617070726F707269617465207468726573686F6C6420646F6C6C617220616D6F756E74732E204265206361726566756C206F66206163636F756E74206E756D626572206368616E676573207768657265206C6172676520646F6C6C6172207061796D656E74732077696C6C206265207061696420696E2074686520636F6D696E672064617973206F72207765656B732E> /Pg 7 0 R /K [10] >> endobj 37 0 obj << /Type /StructElem /S /P /P 100 0 R /ActualText (Be suspicious of requests that stress urgency, secrecy, or the need to act without further communication.) /Pg 7 0 R /K [11] >> endobj 38 0 obj << /Type /StructElem /S /P /P 101 0 R /ActualText <5574696C697A6520617661696C61626C6520667261756420646574656374696F6E20616E64206D697469676174696F6E20746F6F6C732C2073756368206173204D2654907320414348206D6F6E69746F722C20506F736974697665205061792C20616E6420636865636B207061796D656E7420626C6F636B73206F722066696C7465727320746F20706C61636520617070726F707269617465206C696D697473206F6E20796F75722063757272656E74207061796D656E74206D6574686F64732E> /Pg 7 0 R /K [12] >> endobj 39 0 obj << /Type /StructElem /S /P /P 102 0 R /ActualText (Validate any new or modified payee account and ownership using Account Validation Service before sending ACH, Domestic Wire, or Real-Time Payment transactions.) /Pg 7 0 R /K [13] >> endobj 40 0 obj << /Type /StructElem /S /P /P 103 0 R /ActualText (Use dual controls for all administrative changes, ACH and wire payments- one person creates the funds transfer and a second person approves the funds transfer.) /Pg 7 0 R /K [14] >> endobj 41 0 obj << /Type /StructElem /S /H5 /T (63% of organizations experienced attempted or actual business email compromise.) /E (63% of organizations experienced attempted or actual business email compromise.) /Pg 7 0 R /K [20] >> endobj 42 0 obj << /Type /StructElem /S /H6 /T (Larger organizations \(annual revenue of over $1 billion\) were statistically the most susceptible to business email compromise and payment fraud as a result of executive and vendor impersonation.) /E (Larger organizations \(annual revenue of over $1 billion\) were statistically the most susceptible to business email compromise and payment fraud as a result of executive and vendor impersonation.) /Pg 7 0 R /K [21] >> endobj 43 0 obj << /Type /StructElem /S /P /ActualText (2) /Pg 7 0 R /K [24] >> endobj 44 0 obj << /Type /StructElem /S /H5 /T (What is vendor or executive impersonation?) /E (What is vendor or executive impersonation?) /Pg 7 0 R /K [16] >> endobj 45 0 obj << /Type /StructElem /S /H6 /T (Fraud actors will impersonate vendors or executives through spoofed emails or hacked accounts to trick users into thinking they are interacting with trusted sources. Fraud actors then direct payments \(based on authentic invoices\) to fraudulent accounts.) /E (Fraud actors will impersonate vendors or executives through spoofed emails or hacked accounts to trick users into thinking they are interacting with trusted sources. Fraud actors then direct payments \(based on authentic invoices\) to fraudulent accounts.) /Pg 7 0 R /K [17] >> endobj 46 0 obj << /Type /StructElem /S /H5 /T (47% of companies reported that business email compromise fraud attempts included wire or ACH credit scams- the highest percentage in 5 years.) /E (47% of companies reported that business email compromise fraud attempts included wire or ACH credit scams- the highest percentage in 5 years.) /Pg 7 0 R /K [0] >> endobj 47 0 obj << /Type /StructElem /S /P /ActualText (2) /Pg 7 0 R /K [7] >> endobj 48 0 obj << /Type /StructElem /S /H6 /T (Of all business email compromise incidents, the most targeted payment methods include:) /E (Of all business email compromise incidents, the most targeted payment methods include:) /Pg 7 0 R /K [1] >> endobj 49 0 obj << /Type /StructElem /S /P /P 104 0 R /ActualText (Wire Transfers) /Pg 7 0 R /K [2] >> endobj 50 0 obj << /Type /StructElem /S /P /P 105 0 R /ActualText (Instant Payments) /Pg 7 0 R /K [3] >> endobj 51 0 obj << /Type /StructElem /S /P /P 106 0 R /ActualText (ACH Credits or Debits) /Pg 7 0 R /K [4] >> endobj 52 0 obj << /Type /StructElem /S /P /P 107 0 R /ActualText (Commercial Credit Cards) /Pg 7 0 R /K [5] >> endobj 53 0 obj << /Type /StructElem /S /P /P 108 0 R /ActualText (Checks) /Pg 7 0 R /K [6] >> endobj 54 0 obj << /Type /StructElem /S /P /ActualText (IBM Research) /Pg 7 0 R /K [25] >> endobj 55 0 obj << /Type /StructElem /S /P /ActualText (2024 AFP Payments, Fraud and Control Report) /Pg 7 0 R /K [26] >> endobj 56 0 obj << /Type /StructElem /S /P /ActualText (1) /Pg 7 0 R /K [27] >> endobj 57 0 obj << /Type /StructElem /S /P /ActualText (2) /Pg 7 0 R /K [28] >> endobj 58 0 obj << /Type /StructElem /S /Figure /P 20 0 R /Pg 7 0 R /K [30] >> endobj 59 0 obj << /Type /StructElem /S /P /ActualText <457175616C20486F7573696E67204C656E64657220A932303234204D26542042616E6B2E204D656D62657220464449432E> /Pg 7 0 R /K [31] >> endobj 60 0 obj << /Type /StructElem /S /P /ActualText ( - 01 -) /Pg 7 0 R /K [29] >> endobj 61 0 obj << /Type /StructElem /S /H2 /T (What should I do if my business is attacked?) /E (What should I do if my business is attacked?) /Pg 8 0 R /K [1] >> endobj 62 0 obj << /Type /StructElem /S /H3 /T (Time is critical. Act immediately if you suspect you are, or you become a victim of fraud.) /E (Time is critical. Act immediately if you suspect you are, or you become a victim of fraud.) /Pg 8 0 R /K [2] >> endobj 63 0 obj << /Type /StructElem /S /H4 /T (Contact ֱ at 1-800-724-2240 to request that the following actions, and any others you consider appropriate, to be taken to help contain the incident:) /E (Contact ֱ at 1-800-724-2240 to request that the following actions, and any others you consider appropriate, to be taken to help contain the incident:) /Pg 8 0 R /K [4] >> endobj 64 0 obj << /Type /StructElem /S /P /P 109 0 R /ActualText (Change online banking passwords and other credentials used to access online or mobile banking services) /Pg 8 0 R /K [5] >> endobj 65 0 obj << /Type /StructElem /S /P /P 110 0 R /ActualText (Confirm any recent account transactions) /Pg 8 0 R /K [6] >> endobj 66 0 obj << /Type /StructElem /S /P /P 111 0 R /ActualText (Close compromised account\(s\) and open new account\(s\) as appropriate) /Pg 8 0 R /K [7] >> endobj 67 0 obj << /Type /StructElem /S /P /P 112 0 R /ActualText (Ensure that no one has: ) /Pg 8 0 R /K [8] >> endobj 68 0 obj << /Type /StructElem /S /P /P 113 0 R /ActualText (Requested changes to any of the following: address, title, PIN or other credentials; user or administrator) /Pg 8 0 R /K [9] >> endobj 69 0 obj << /Type /StructElem /S /P /P 114 0 R /ActualText (Ordered new cards or checks) /Pg 8 0 R /K [10] >> endobj 70 0 obj << /Type /StructElem /S /P /P 115 0 R /ActualText (Requested account documents be sent to a secondary address) /Pg 8 0 R /K [11] >> endobj 71 0 obj << /Type /StructElem /S /P /P 116 0 R /ActualText <436F6E7461637420796F757220636F6D70616E799073207365637572697479206F666669636572206F72206F746865722073656375726974792061647669736F7220746F20656E73757265207468617420796F752061726520666F6C6C6F77696E6720796F757220636F6D70616E7990732073656375726974792067756964656C696E657320616E642070726F6365647572657320746F2068656C7020636F6E7461696E2074686520736974756174696F6E> /Pg 8 0 R /K [12] >> endobj 72 0 obj << /Type /StructElem /S /P /P 117 0 R /ActualText (Contact any applicable law enforcement and insurance agencies, if necessary.) /Pg 8 0 R /K [13] >> endobj 73 0 obj << /Type /StructElem /S /H3 /T (The sooner you can notify ֱ, the sooner fund retrieval efforts can begin. ) /E (The sooner you can notify ֱ, the sooner fund retrieval efforts can begin. ) /Pg 8 0 R /K [3] >> endobj 74 0 obj << /Type /StructElem /S /H1 /T (If you suspect fraud, contact your bank immediately. 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