Anti-fraud education

brianposter

Does anyone know what sort of anti-fraud education is provided by a bank after someone has been scammed ?

eskbanker

I'm not aware of anything beyond directing people to generic public material on their own and other websites (Take Five, Action Fraud, etc)?

Brie

I think it can be summed up by "That was silly.  Don't do that again"

eskbanker

Here's an example of what I'd expect to be typically generic wording in a post-scam letter from Santander:

It is important to bear in mind that Santander will never request confidential information or security details in an email. If you do receive an email that appears to have been sent from Santander asking for your personal banking details, PIN numbers, passwords or other personal details, please delete it immediately. Do not open any links or action any request in the email.

Fraudsters will attempt to obtain a range of personal information such as name, address, date of birth, phone number, place of business and income. They may even call you in the guise of the police, a government official, your bank or even a charity or research agency in order to try and obtain information about you.

Help protect yourself with our top tips:

• Never share a One Time Passcode (OTP) with another person, not even a bank employee
• Never download software or let anyone remotely log on to your computer or other devices, either during or after a cold call
• Never enter your Online Banking details after clicking on a link in an email or text message
• Never transfer or withdraw money out of your account if you're instructed to do so for security reasons, even if you think you're talking to bank staff — we would never ask you to do this.
• Never set up new, or change existing, payment details without first verifying the request directly with the person or company you're paying, preferably using existing contact details

For more information about common frauds and scams, please visit the Fraud and Security support pages within our website, santander.co.uk. 

and examples of published material that's framed as educational:

https://www.natwest.com/business/security/fraud-education.html
https://www.lloydsbank.com/business/fraud/video-webcasts.html

friolento

Moneyhelper have a section on scams 

https://www.moneyhelper.org.uk/en/money-troubles/scams

SevenOfNine

After I was gormlessly scammed Lloyds didn't offer any suggestions except "were there any vulnerabilities we'd like noted on our account". All money was retrieved (Lloyds & Santander have that PUSH arrangement, not sure if all banks have 'signed up') & within hours it was back in our account.

Like a lot of others, I've got an abundance of common sense, aware of a lot of scams & still can hardly believe I got caught out! Mine was all 'arranged' via texts, good job our 48 yr old son has no manners, because 'his' use of the words "thank you, thank you" once I'd transferred several hundred pounds, were the SCAMMED giveaway!

MEM62

There is a lot of information out there that you can educate yourself with. (Although make sure that the source is reliable). The issue with banks educating you is that scams are constantly evolving and any information provided may become outdated.  

The best defence against being scammed is common sense but, unfortunately, common sense is not always very common.  

born_again

brianposter said:

Does anyone know what sort of anti-fraud education is provided by a bank after someone has been scammed ?

Most if not all banks have pages on how to protect yourself. With information on what they will never ask you to do.
Ask the person you are talking too about the fraud about your concerns (not front line call center)

As above common sense is your main key, if you feel pressured, then hang up it will not be your bank.

eskbanker

SevenOfNine said:

After I was gormlessly scammed Lloyds didn't offer any suggestions except "were there any vulnerabilities we'd like noted on our account". All money was retrieved (Lloyds & Santander have that PUSH arrangement, not sure if all banks have 'signed up') & within hours it was back in our account.

Yes, it became mandatory in October 2024.

brianposter

The reason I have asked is that I have a relative who was scammed, "provided with anti-fraud education", and promptly scammed again.

It sounds as if, for someone who does not use mobile phone or internet, anti-fraud education will simply be a single letter.

friolento

brianposter said:

The reason I have asked is that I have a relative who was scammed, "provided with anti-fraud education", and promptly scammed again.

It sounds as if, for someone who does not use mobile phone or internet, anti-fraud education will simply be a single letter.

Getting done once is very unfortunate. Getting done a second time is carelessness.