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New twist in real identity of "elderly" shoplifter

New details have emerged after an "elderly" woman was photographed after allegedly being targeted by police for <a href="https://oversixty.com.au/finance/legal/old-woman-targeted-and-accused-of-shoplifting" target="_blank" rel="noopener">shoplifting</a>. The original photo, which was shared to X, showed an older woman standing outside a Coles supermarket, while two officers sifted through her groceries to check she wasn't stealing. The post garnered widespread outrage, with many people leaping to the woman's defence and calling for people to "boycott Woolies and Coles". Now, it turns out that the shopper wasn't an old woman at all, but a 32-year-old woman dressing to appear older. According to reports from <a href="https://7news.com.au/lifestyle/new-twist-after-photo-of-elderly-coles-shopper-being-stopped-by-police-sparks-furious-reaction-c-14356492" target="_blank" rel="noopener">7News</a>, the woman was impersonating an elderly shopper during the trip to Coles and was discovered with a significant amount of groceries. Victoria Police confirmed they were called to the supermarket, and issued the woman with a caution for shoplifting. “Police responded to reports of shoplifting at a centre in Richmond about 3.30pm on 17 April,” police said. “Officers arrived to discover a woman had been detained on the ground by a loss prevention officer employed by the store. Police separated the parties and spoke with a 32-year-old woman from Glenroy who was cautioned for shoplifting.” In the initial post to social media, the bystander took aim at Coles and Victoria Police for targeting the shopper, who they believed was elderly, describing her apprehension as “forcible”. “I told the police that I’ll pay for her food and let her go and then I got threatened with being arrested for ‘obstructing police’,”the X user said In further posts, the bystander made even more serious allegations about the incident. “When I intervened to help the lady I then got threatened by the police of being arrested for ‘obstructing a police matter’,” they posted. Image credits: X (Twitter)

Legal

Property tycoon sentenced to death over $27 billion fraud

A Vietnamese billionaire was sentenced to death on Thursday in one of the biggest corruption cases in history, an estimated $27 billion in damages - a figure equivalent to six percent of the country’s 2023 GDP. Truong My Lan, chair of major developer Van Thinh Phat, was found guilty of embezzlement, after looting from one of the country's biggest banks, Saigon Commercial Bank (SCB) for over a decade. “The defendant’s actions... eroded people’s trust in the leadership of the (Communist) Party and state,” the verdict read at the trial in Ho Chi Minh City. After a five-week trial, 85 others were also charged for their involvement in the fraud, with charges ranging from from bribery and abuse of power to appropriation and violations of banking law. Four were given life imprisonment, while others received jail terms ranging between 20 years and three years suspended. Lan's husband was Hong Kong billionaire Eric Chu Nap Kee, was sentenced to nine years in prison. Lan and the others were arrested as part of a national corruption crackdown. Lan was initially believed to have embezzled $12.5 billion, but on Thursday prosecutors have said that the total damages caused by the fraud now amounted to $27 billion. The property tycoon was convicted of taking out $44bn in loans from the bank, according to the BBC, with prosecutors saying that $27 billion of this may never be recovered. The court ordered Lan to to pay almost the entire damages sum in compensation. It is also <a href="https://www.bbc.com/news/world-asia-68778636" target="_blank" rel="noopener">reported</a> that she is one of very few women in Vietnam to be sentenced to death for a white collar crime. “In my desperation, I thought of death,” Lan said in her final remarks to the court, according to state media. “I am so angry that I was stupid enough to get involved in this very fierce business environment -- the banking sector -- which I have little knowledge of.” Police have identified around 42,000 victims of the scam, and many of them were unhappy with the verdict. One 67-year-old Hanoi resident told the AFP that she had hoped Lan would receive a life sentence so she could fully witness the devastating impact of her actions. “Many people worked hard to deposit money into the bank, but now she’s received the death sentence and that’s it for her,” they said. “She can’t see the suffering of the people.” The resident has so far been unable to retrieve the $120,000 she invested with SCB. Police have said that many of the victims are SCB bondholders, who cannot withdraw their money and have not received interest or principal payments since Lan’s arrest. Authorities have also reportedly seized over 1000 properties belonging to Lan. Image: Twitter

Legal

Sunrise rocked by allegation of "fraud"

Sunrise and the Seven Network have been rocked by an investigation by their biggest competitor, who exposed both allegations of "fraud", as well as threatening emails to a young journalist at Nine who was chasing the story. The scandal began when a reporter for the <a href="https://www.smh.com.au/national/new-seven-expenses-affair-rocks-sunrise-top-network-executives-20240408-p5fi6w.html" target="_blank" rel="noopener">Sydney Morning Herald</a> was alerted to an investigation being conducted by an independent law firm into the Sunrise program. According to reports by Nine, the law firm began an investigation, which was also conducted by a financial and corporate auditor, into reports that Sunrise staff members had grossly misused travel benefits. The allegations claimed that a small number of Sunrise staffers, as well as some of their friends and family, had taken flights and stayed in hotels on trips not related to their work duties, using benefits provided to the network by Qantas as part of a multimillion-dollar advertising and sponsorship deal. When business reporter for the Australian Financial Review Zoe Samios, a publication owned by Nine, reached out to Seven’s long-time commercial director Bruce McWilliam to chase the story, she was allegedly met with threatening emails saying her probes into the allegations had caused Seven’s star executive producer Michael Pell to self-harm. “This is what your unfounded reports have caused Michael to do,” Mr McWilliam wrote to Ms Samios in October last year. Attached to the email was a graphic image of him, bloodied and in a hospital gown, with a noticeable head wound. “Why don’t you keep it up so he kills himself. You are a complete disgrace. That law firm you name didn’t conduct any investigation. If you publish untrue allegations … and he tops himself. It’s on you. We are determined to protect him,” the email read. Speaking exclusively to <a href="https://www.news.com.au/finance/business/media/sunrise-rocked-by-fraud-investigations-that-top-tv-exec-tried-to-keep-secret/news-story/4b755d82167f825140c63b6e07107745" target="_blank" rel="noopener">news.com.au</a> on Thursday as the investigations were made public for the first time, Mr McWilliam defended the email and said he was defending a colleague and “friend” against “false allegations”. However, several months before the email, Mr Pell had stepped down as the boss of Sunrise and was appointed Seven's Senior Vice President of Entertainment Content in North America, and he moved to Los Angeles shortly after. On Thursday, Mr McWilliam told news.com.au that he became incensed when Mr Pell’s name was linked to the investigation, prompting his fiery email to Samios. “The accusations against Michael were exaggerated,” he told news.com.au. “I make no excuse for having acted to protect a colleague, against whom false allegations were being made. Michael Pell has been a friend of mine for many years.” The newspaper subsequently agreed to kill the story over concerns for Mr Pell’s mental health and wellbeing. While the findings of the alleged expenses investigation were delivered to Seven and described as "serious", a source close to the investigation insists that while the accusations are significant, they do not constitute "fraud" in the legal sense. Despite that, it’s understood that a small number of staff left the network following the findings being delivered to Seven, with the staffers signing nondisclosure agreements upon their departure. The scandal's reemergence comes 18 moths after the initial allegations, as Seven finds itself in another controversy over its flagship current affairs program Spotlight and its handling of an exclusive interview with Bruce Lehrmann. Image credits: Sunrise

Legal

"How could he do it to me?": Grandmother broken over grandson's alleged fraud

In a courtroom in Perth, emotions ran high as a heartbroken grandmother awaited a reunion with her grandson, Jack Endersby. But this wasn't a typical family gathering. It was a courtroom confrontation, where Lyn Newby hoped her grandson would look her in the eye and confront the pain he allegedly caused by defrauding her of more than $320,000. Endersby, a 24-year-old <a href="https://www.9news.com.au/national/perth-news-grandmother-lost-320000-after-investing-in-grandson-business-alleged-ponzi-scheme/e3ea6396-750c-452c-8e87-c0ef53d65ede" target="_blank" rel="noopener">accused of orchestrating a Ponzi-style scheme</a> that allegedly swindled around $2 million from victims across Australia, faced the scrutiny of the law and the anguish of his own family. The accusations against him span from February 2021 to February 2024, a period during which he allegedly promised lucrative returns to investors, only to leave them empty-handed and disillusioned. For Newby, the betrayal cut deep. She had entrusted her grandson with a substantial sum, believing it to be an investment in his trading business, Codex Investments. His promises of monthly returns seemed enticing, but when the payments abruptly ceased, Newby's world shattered. "He has ruined our lives," she lamented. "How could he do it to me? I'm his grandmother." Endersby's arrest earlier this month marked a turning point in the unravelling of his alleged scheme. Facing 11 charges of fraud, he appeared in Perth Magistrates Court, where his family, including his mother, sought answers and reconciliation. However, Endersby remained aloof, ignoring their attempts at communication. In the lead-up to his court appearance, Newby expressed her desire for her grandson to acknowledge the pain he caused. "He will feel terrible when he sees me, and I want him to look me in the eye and know how much he's hurt me," she said, her anguish palpable. The allegations against Endersby paint a stark contrast to his earlier life. Once a telesales consultant and labourer, he purportedly transformed into a "self-taught investor" with a multimillion-dollar portfolio and a lifestyle of luxury. Flashy holidays, upscale accommodations and a Maserati adorned his newfound prosperity, allegedly funded by the deceitful machinations of a Ponzi scheme. As the details of Endersby's alleged deception emerged, more victims came forward, each recounting their own stories of financial loss and shattered trust. Michael Dawson, who invested in Endersby's business 18 months prior, described initial returns followed by a troubling silence. Others spoke of referral schemes that seemingly built trust but ultimately ensnared unsuspecting investors in a web of deceit. Amid the courtroom drama and legal proceedings, questions linger about the true extent of Endersby's alleged scheme and the lives it impacted. As he awaits his next court appearance on April 19, the echoes of broken trust and shattered dreams serve as a stark reminder of the devastating consequences of financial fraud. Images: Nine News

Legal

How risky is it to give card details over the phone and how do I reduce the chance of fraud?

<a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a> Paying for things digitally is so common, most of us think nothing of swiping or tapping our card, or using mobile payments. While doing so is second nature, we may be more reluctant to provide card details over the phone. Merchants are allowed to ask us for credit card details over the phone – this is perfectly legal. But there are minimum standards they must comply with and safeguards to protect consumer data. So is giving your card details over the phone any more risky than other transactions and how can you minimise the risks? <h2>How is my card data protected?</h2> For a merchant to process card transactions, they are expected to comply with the <a href="https://docs-prv.pcisecuritystandards.org/PCI%20DSS/Standard/PCI-DSS-v4_0.pdf">Payment Card Industry Data Security Standard</a>. This is a set of security requirements designed to protect cardholder data and the trillions of dollars of transactions each year. Compliance involves various security measures (such as encryption and access controls) together with strong governance and regular security assessments. If the information stored by the merchant is accessed by an unauthorised party, encryption ensures it is not readable. That means stealing the data would not let the criminals use the card details. Meanwhile, access controls ensure only authorised individuals have access to cardholder data. Though all companies processing cards are expected to meet the compliance standards, only those processing large volumes are subject to mandatory regular audits. Should a subsequent data leak or misuse occur that can be attributed to a compliance failure, a <a href="https://www.csoonline.com/article/569591/pci-dss-explained-requirements-fines-and-steps-to-compliance.html">company can be penalised</a> at levels that can escalate into millions of dollars. These requirements apply to all card transactions, whether in person, online or over the phone. Phone transactions are likely to involve a human collecting the card details and either entering them into computer systems, or processing the payment through paper forms. The payment card Security Standards Council has <a href="https://docs-prv.pcisecuritystandards.org/Guidance%20Document/Telephone-Based%20Payments/Protecting_Telephone_Based_Payment_Card_Data_v3-0_nov_2018.pdf">detailed guides for best practice</a>: <blockquote> A policy should be in place to ensure that payment card data is protected against unauthorised viewing, copying, or scanning, in particular on desks. </blockquote> Although these measures can help to protect your card data, there are still risks in case the details are misplaced or the person on the phone aren’t who they say they are. <h2>Basic tips for safe credit card use over the phone</h2> If you provide card details over the phone, there are steps you can take to minimise the chance you’ll become the victim of fraud, or get your details leaked. 1. Verify the caller If you didn’t initiate the call, hang up and call the company directly using details you’ve verified yourself. Scammers will often masquerade as a well-known company (for example, an online retailer or a courier) and convince you a payment failed or payment is needed to release a delivery. Before you provide any information, confirm the caller is legitimate and the purpose of the call is genuine. 2. Be sceptical If you are being offered a deal that’s too good to be true, have concerns about the person you’re dealing with, or just feel something is not quite right, hang up. You can always call them back later if the caller turns out to be legitimate. 3. Use secure payment methods If you’ve previously paid the company with other (more secure) methods, ask to use that same method. 4. Keep records Make sure you record details of the company, the representative you are speaking to and the amount being charged. You should also ask for an order or transaction reference. Don’t forget to ask for the receipt to be sent to you. Check the transaction against your card matches the receipt – use your banking app, don’t wait for the statement to come through. <h2>Virtual credit cards</h2> In addition to the safeguards mentioned above, a <a href="https://www.forbes.com/advisor/credit-cards/virtual-credit-card-numbers-guide/">virtual credit card</a> can help reduce the risk of card fraud. You probably already have a form of virtual card if you’ve added a credit card to your phone for mobile payments. Depending on the financial institution, you can create a new credit card number linked to your physical card. Some banks extend this functionality to allow you to generate unique card numbers and/or CVV numbers (the three digits at the back of your card). With this approach you can easily separate transactions and cancel a virtual card/number if you have any concerns. <h2>What to do if you think your card details have been compromised or stolen?</h2> It’s important not to panic, but quick action is essential: <ul> <li> call your bank and get the card blocked so you won’t lose any more money. Depending on your situation, you can also block/cancel the card through your banking app or website </li> <li> report the issue to the police or other relevant body </li> <li> monitor your account(s) for any unusual transactions </li> <li> explore card settings in your banking app or website – many providers allow you to limit transactions based on value, restrict transaction types or enable alerts </li> <li> you may want to consider registering for <a href="https://theconversation.com/your-credit-report-is-a-key-part-of-your-privacy-heres-how-to-find-and-check-it-116999">credit monitoring services</a> and to enable fraud alerts. </li> </ul> <h2>So, should I give my card details over the phone?</h2> If you want to minimise risk, it’s best to avoid giving card details over the phone if you can. Providing your card details via a website still has risks, but at least it removes the human element. The best solution currently available is to use virtual cards – if anything goes wrong you can cancel just that unique card identity, rather than your entire card.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/216833/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/paul-haskell-dowland-382903">Paul Haskell-Dowland</a>, Professor of Cyber Security Practice, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a> and <a href="https://theconversation.com/profiles/ismini-vasileiou-1031778">Ismini Vasileiou</a>, Associate Professor, <a href="https://theconversation.com/institutions/de-montfort-university-1254">De Montfort University</a> Image credits: Getty Images This article is republished from <a style="font-style: italic;" href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a style="font-style: italic;" href="https://theconversation.com/how-risky-is-it-to-give-card-details-over-the-phone-and-how-do-i-reduce-the-chance-of-fraud-216833">original article</a>.

Money & Banking

How mistaken identity can lead to wrongful convictions

<a href="https://theconversation.com/profiles/hayley-cullen-423538">Hayley Cullen</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> In March 1976, American Leonard Mack was convicted of sexual assault and holding two female victims at gunpoint. In September 2023, Mack’s wrongful conviction was finally overturned by a New York judge on his 72nd birthday with the help of the <a href="https://innocenceproject.org/news/hit-in-dna-database-proves-leonard-macks-innocence-after-47-years-of-wrongful-conviction/">Innocence Project</a>, an organisation that uses DNA evidence to prove factual innocence. Mack’s conviction took 47 years to overturn. He served seven-and-a-half of these years in a New York prison. His case is the <a href="https://innocenceproject.org/news/8-moving-moments-from-leonard-macks-historic-exoneration-after-47-years/">longest</a> in United States history to be overturned using DNA evidence. In June 2023, a similar historic moment occurred in Australia. Kathleen Folbigg was <a href="https://www.theguardian.com/australia-news/2023/jun/05/kathleen-folbigg-pardoned-after-20-years-in-jail-over-deaths-of-her-four-children">pardoned and released</a> after 20 years in prison for the murder and manslaughter of her four young children. Considered one of the <a href="https://www.smh.com.au/national/nsw/folbigg-release-would-make-chamberlain-case-pale-into-insignificance-20230307-p5cpya.html">worst miscarriages of justice</a> in Australian history, Folbigg’s release has sparked discussion over whether Australia needs a <a href="https://www.theguardian.com/australia-news/2023/jun/12/not-a-rare-case-kathleen-folbigg-pardon-sparks-calls-for-new-body-to-review-possible-wrongful-convictions">formalised body</a> to deal with post-conviction appeals. Mack and Folbigg are only two individuals on different sides of the world who have spent decades fighting to prove their innocence. Many others are still fighting. The prevalence of wrongful convictions is hard to determine. The <a href="https://www.law.umich.edu/special/exoneration/Pages/about.aspx">National Registry of Exonerations</a> in the United States has recorded 3,396 exonerations nation-wide since 1989. But data on official exonerations fail to capture the many individuals whose convictions are yet to be overturned. Estimates of the prevalence of wrongful convictions in the United States range from <a href="https://journals.sagepub.com/doi/pdf/10.1177/08874034221106747?casa_token=DL_gPkxNcI8AAAAA:uI-en9junmLXXScDGthXAuC9JcLsxp5OF1J4QB1WdA2L2cZRcwRuwtxVmIMiKYbYaSDj_ji4EdPSLA">0.5 to 5%</a>. The exact prevalence in Australia is less clear but we do know <a href="https://search.informit.org/doi/pdf/10.3316/informit.801706351305383?casa_token=cpZBfZmh944AAAAA%3Ax_zYUlnogLjuDWl81jc38vmeOovzw44M171rP7G3ibNnU35rvWS0yeIO_Ad0eBa54nE54KxaKzIb3w4">71 cases of wrongful convictions</a> have been identified in Australia between 1922 to 2015. Some have argued there could be <a href="https://search.informit.org/doi/pdf/10.3316/informit.308199161216493">350 convictions per year</a> of individuals who are factually innocent in Australia. A witness mistakenly identifying an innocent suspect is common in many wrongful conviction cases. Eyewitness misidentification is the leading contributing factor in wrongful convictions overturned by the <a href="https://innocenceproject.org/exonerations-data/">Innocence Project</a>, present in 64% of their successful cases. In Australia, <a href="https://search.informit.org/doi/pdf/10.3316/informit.801706351305383?casa_token=cpZBfZmh944AAAAA%3Ax_zYUlnogLjuDWl81jc38vmeOovzw44M171rP7G3ibNnU35rvWS0yeIO_Ad0eBa54nE54KxaKzIb3w4">6%</a> of recorded wrongful convictions involved an eyewitness error. This may be an underestimate given many applications to innocence initiatives in Australia alleging wrongful conviction, such as the <a href="https://bohii.net/">Bridge of Hope Innocence Initiative</a>, report <a href="https://bohii.net/blog/positiononestablishingccrcas">eyewitness evidence</a> as a potential contributing factor. In Mack’s case, two victims misidentified him as the perpetrator. These identifications proved to be instrumental in his wrongful conviction. How did the two victims get it wrong? <h2>How problematic procedures influence eyewitnesses</h2> Eyewitness identification evidence relies on witnesses to accurately remember criminal perpetrators. Several factors affect eyewitness memory accuracy. Features of the crime can impact memory, such as whether it was light or dark, or whether the perpetrator wore a disguise. Memory can also be affected by characteristics of the witness at the time of the crime, such as their stress or intoxication levels. These factors are present at the time of the crime and cannot be changed. What is perhaps more crucial is that eyewitness memory can also be affected by the procedures law enforcement use to collect identification evidence. In <a href="https://innocenceproject.org/news/hit-in-dna-database-proves-leonard-macks-innocence-after-47-years-of-wrongful-conviction/">Mack’s case</a>, there were serious problems with the procedures used to get the identifications from the victims. One of the victims made three separate identifications of Mack. Witnesses should only complete one identification procedure for each suspect, because the first identification will bias future identification attempts. For two of the identifications the victim made, she was only shown Mack by himself surrounded by police. Showing a lone suspect without any other lineup members may <a href="https://link.springer.com/chapter/10.1007/978-3-319-29406-3_2">increase mistaken identifications</a>, particularly when the context in which they are shown is highly suggestive. Seeing Mack in handcuffs and in the presence of police may have led the victim to identify him. Mack was the only person shown to the witness in these identification attempts, so the police officers organising the process knew he was the suspect. “Single-blind” administration of identification procedures – where the police officers organising the lineup know who the suspect is – increase the likelihood of <a href="https://psycnet.apa.org/record/2017-49224-002">mistaken identifications</a>. For the other identification this victim made, she picked Mack out of a photo lineup containing seven images. Mack’s photo was the only photo in the lineup that contained visible clothing and the year (1975) in the background. All members of a lineup must be matched and no one lineup member <a href="https://www.apa.org/pubs/journals/releases/lhb-lhb0000359.pdf">should stand out</a>, but Mack’s photo was distinct. With all these problematic practices combined, we can see how Mack was misidentified and convicted. In 2020, a team of eyewitness experts published <a href="https://www.apa.org/pubs/journals/releases/lhb-lhb0000359.pdf">nine evidence-based recommendations </a>for conducting identification procedures. These recommendations serve to reduce mistaken identifications and enhance accurate ones. The recommendations address the problematic practices in Mack’s case, but also include things like making sure there is sufficient evidence to place a suspect in a lineup, and giving appropriate instructions to witnesses during the procedure. Identification procedures should also be video recorded to identify any poor practices. While these recommendations will go a long way to reducing wrongful convictions resulting from faulty eyewitness identifications, they will only be effective if followed by police. The next step is ensuring these recommendations are embedded into everyday policing practice.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/214844/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hayley-cullen-423538">Hayley Cullen</a>, Lecturer, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-mistaken-identity-can-lead-to-wrongful-convictions-214844">original article</a>.

Legal

Woman's identity confirmed after tragic death on Qatar Airways flight

Sharon Gordon has been identified as the woman who died on board a Qatar Airways flight from Doha to Sydney over the weekend. The 60-year-old was a customer service station attendant at Wynyard Station, and was on a solo flight home after visiting her daughter in London. Halfway into the 14-hour flight, Gordon had reportedly started gasping and was found unresponsive. Another passenger, her husband and baby were seated a row in front of Gordon, when they heard her making a "weird noise". The female passenger was woken by the noise and had to look around in the dark to figure out what was going on. “She looked like she was sleeping, but she was making this really loud noise,” she told 7News. She claimed that a stewardess checked on Gordon, before two more joined her and brought oxygen. “But then they just left,” the female passenger added. The couple claimed that they were told by staff that “everything was all right," but “you could see she wasn’t breathing." Around 20 minutes later, four different stewards arrived and lifted Gordon off her seat before giving her CPR and starting a defibrillator. “I turned around and looked at the lady and she was very pale and her lips were white,” the female passenger added. “At that point, my husband and I thought that she was dead.” She described Gordon as "limp" and asked “why didn’t they do that a half hour earlier?” An hour after Gordon's first gasps, they made an announcement asking if there were any doctor's or nurses on board. Now, Gordon's family are desperate for answers, with 7News reporting that her family have requested help from the federal government after the airline said they did everything they could. “I love her and will miss her so much,” Gordon's partner Rob Bray told the publication. “Mother to Cameron and Ashley. She will be so sorely missed by us all. “Her workmates at Wynyard Station are devastated.” A Qatar Airways spokesperson previously told the publication: “Regrettably, the lady could not be revived.” “Our thoughts are with the family at this difficult time.” Image: 7News/ Getty

Travel Trouble

The $500 million ATO fraud highlights flaws in the myGov ID system. Here’s how to keep your data safe

<a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> The Australian Tax Office (ATO) paid out more than half a billion dollars to cyber criminals between July 2021 and February 2023, according to an <a href="https://www.abc.net.au/news/2023-07-26/ato-reveals-cost-of-mygov-tax-identity-crime-fraud/102632572">ABC report</a>. Most of the payments were for small amounts (less than A$5,000) and were not flagged by the ATO’s own monitoring systems. The fraudsters exploited a weakness in the identification system used by the myGov online portal to redirect other people’s tax refunds to their own bank accounts. The good news is there’s plenty the federal government can do to crack down on this kind of fraud – and that you can do to keep your own payments secure. <h2>How these scams work</h2> Setting up a myGov account or a myGov ID requires proof of identity in the form of “<a href="https://www.afp.gov.au/sites/default/files/PDF/NPC-100PointChecklist-18042019.pdf">100 points of ID</a>”. It usually means either a passport and a driver’s licence or a driver’s licence, a Medicare card, and a bank statement. Once a myGov account is created, linking it to your tax records requires two of the following: an ATO assessment, bank account details, a payslip, a Centrelink payment, or a super account. These documents were precisely the ones targeted in three large data breaches in the past year: at <a href="https://theconversation.com/what-does-the-optus-data-breach-mean-for-you-and-how-can-you-protect-yourself-a-step-by-step-guide-191332">Optus</a>, at <a href="https://theconversation.com/medibank-hackers-are-now-releasing-stolen-data-on-the-dark-web-if-youre-affected-heres-what-you-need-to-know-194340">Medibank</a>, and at <a href="https://asic.gov.au/about-asic/news-centre/news-items/guidance-for-consumers-impacted-by-the-latitude-financial-services-data-breach/">Latitude Financial</a>. In this scam, the cyber criminal creates a fake myGov account using the stolen documents. If they can also get enough information to link to the ATO or your Tax File Number, they can then change bank account details to have your tax rebate paid to their account. It is a sadly simple scam. <h2>How government can improve</h2> One of the issues here is quite astounding. The ATO knows where salaries are paid, via the “<a href="https://www.ato.gov.au/business/single-touch-payroll/what-is-stp-/">single touch</a>” payroll system. This ensures salaries, tax and superannuation contributions are all paid at once. Most people who have received a tax refund will have provided bank account details where that payment can be made. Indeed, many people use precisely those bank account details to identify themselves to myGov. At present, those bank details can be changed within myGov without any further ado. If the ATO simply checked with the individual via another channel when bank account details are changed, this fraud could be prevented. It might be sensible to check with the individual’s employer as well. Part of the problem is the ATO has not been very transparent about the risks. If these risks were clearly set out, then calls for changes to ATO procedures would have been loud and clear from the cyber security community. The ATO is usually good at identifying when a cyber security incident may lead to fraud. For example, when the recruitment software company <a href="https://www.abc.net.au/news/2018-06-06/australian-data-may-be-compromised-in-pageup-security-breach/9840048?itm_campaign=newsapp">PageUp was hacked in 2018</a>, the ATO required people who may have been affected to reconfirm their identities. This was done without public commentary and represents sound practice. Sadly, the millions of records stolen in the Optus, Medibank and Latitude Financial breaches have not led to a similar level of vigilance. Another action the ATO could take would be to check when a single set of bank account details is associated with more than one myGov account. A national digital identity would also help. However, this system has been in development for years, is not universally popular, and may well be <a href="https://www.themandarin.com.au/226280-gallagher-warns-community-support-for-digital-identity-not-ubiquitous/">delayed</a> until after the federal election due in 2024. <h2>Protecting yourself</h2> The most important thing to do is make sure the ATO does not use a bank account number other than yours. As long as the ATO only has your bank account number to transfer your tax rebate, this scam does not work. It also helps to protect your Tax File Number. There are only four groups that ever need this number. The first is the ATO itself. The second is your employer. However, remember you do not need to give your TFN to a prospective employer, and your employer only needs your TFN after you have started work. Your super fund and your bank may ask for your TFN. However, providing your TFN to your super fund or bank is optional – it just makes things easier, as otherwise they will withhold tax which you will need to claim back later. Of course, all the usual data safety issues still apply. Don’t share your driver’s licence details without good reason. Take similar care with your passport. Your Medicare card is for health services and does not need to be shared widely. Don’t open emails from people you do not know. Never click links in messages unless you are sure they are safe. Most importantly, know your bank will not send you emails containing links, nor will the ATO.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210459/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/rob-nicholls-91073">Rob Nicholls</a>, Associate professor of regulation and governance, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-500-million-ato-fraud-highlights-flaws-in-the-mygov-id-system-heres-how-to-keep-your-data-safe-210459">original article</a>.

Technology

Melissa Caddick's parents at war with fraud victims

Melissa Caddick's parents are at war with the victims of the deceased conwoman's long-running scam, as they fight over who deserves the biggest cut of her estate. The two parties are locked in a bitter despite over Caddick's penthouse apartment in Sydney's affluent eastern suburbs, where Caddick's parents Ted and Barb Grimley currently reside. The Grimleys claim they deserve a larger share of the proceeds of the sale of the property, despite the penthouse being purchased by Caddick as part of her Ponzi scheme. However, the victims of Caddick's scam are adamant that the proceeds should be evenly divided by those who have suffered at the hands of the deceased conwoman. The apartment was purchased by Caddick seven years ago, when Mr and Mrs Grimley gave their daughter $1 million for a share of the eastern suburbs residence. Despite the hefty share sum, Melissa put the entire apartment in her own name and used her parents' money on new jewellery. The Grimleys have refused to vacate the property, telling the victims during a recent mediation that they would only move out if they were paid $950,000 – effectively getting most of their money back and leaving nearly 60 other investors divvying up the rest of the proceeds and getting back less than half of what they are owed. One of the victims of Caddick's scam, Sarah Steel, said she feels for the Grimleys and what they have been through, but they need to think of the other victims involved. "I feel really terrible for what they've been through," she said. "But it feels to me that they aren't feeling the same for the rest of us going through this same thing." "We're facing a situation where other people are putting themselves forward as a priority to the other investors who were duped." Lawyers for the majority of Caddick's victims are now considering suing the auditors that Caddick hired and who were tasked with casting a critical eye over her finances. Given Caddick ran one of the longest frauds in Australian history, not one auditor over the years ever flagged a problem with her financial accounts. Michael Chapman, the lawyer representing the majority of Caddick's victims, is at a complete loss as to how the auditors couldn't have noticed the fraudulent behaviour. "We feel like they've dropped the ball," he told 60 Minutes. "We feel as though there is a good claim that could be brought forward against the auditors." Lawyers will be seeking $15 million from the auditors in a potential court case, and if they succeed, the victims of Caddick's scamming would be close to getting back all of the money they lost. "I don't discount the pain and the suffering that these people have been through to this point," Chapman said. "It would be a silver lining." Image credits: 60 Minutes

Legal

Reality TV star welcomes identical twin girls

Reality TV star Dani Dyer has welcomed two baby girls with her partner, footballer Jarrod Bowen. The Love Island UK winner, who won the show in 2018 with her ex-partner Jack Fincham in 2018, shared the happy news on her Instagram on Thursday. Dani didn't reveal the identical twin girls' names, but confirmed the date of their birth, May 22nd, in the caption. Dani is already mum to Santiago, two, who she shares with with ex Sammy Kimmence. Her Love Island UK co-stars were quick to send their congratulations, with season one winner Cara De La Hoyde writing, "Congratulations Dan they are beautiful ❤️." "Congratulations to your beautiful family ❤️," Zara McDermott added, while season four winner Molly-Mae Hague added, "Congratulations beautiful 😭😭😭." Dani is the daughter of English actor and presenter Danny Dyer, who's well known for his role in British soap EastEnders. Dani shared the news of her pregnancy with a sweet announcement post, showing her son Santiago holding a letter board with the ultrasound pictures of her new babies. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/CnpWIihrD1x/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CnpWIihrD1x/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by ♡ Dani Dyer ♡ (@danidyerxx)</a> </div> </blockquote> "We have been keeping a little secret... Our little TWINS!" she wrote. "So excited to meet our babies and watch Santi be the best big brother.. The biggest surprise of our lives but feeling SO blessed.. our family is getting a lot bigger and we can’t wait." Just weeks after announcing the pregnancy, Dani confirmed the gender of their babies in another Instagram post. "A lot of you have been asking on the gender of our babies and we are so excited to share with you all that we are having identical twin girls. Half way our little darlings." Image credits: Instagram

Family & Pets

Melissa Caddick mystery officially laid to rest

A corner has revealed missing fraudster Melissa Caddick is dead but it’s difficult to determine when and how she died. Deputy State Coroner Elizabeth Ryan released her findings after a lengthy coronial inquest examined the circumstances surrounding the 49-year-old’s mysterious disappearance. “I believe it’s appropriate at the outset to say I have concluded Melissa Caddick is deceased,” Ryan said as she handed down her findings at the NSW Coroner’s Court in Lidcombe. However, Ryan said it was tricky to make an accurate finding as to how, when and where she died. Caddick disappeared from Sydney’s eastern suburbs in November 2020, hours after her Dovers Heights mansion, which doubled as her place of business, was raided by the AFP and ASIC. The corporate watchdog had accused Caddick of operating a Ponzi scheme and misappropriating $24 million, including from her friends and family, to fund a lavish lifestyle including holidays, designer jewellery, clothing and shoes. The case has sparked a number of conspiracy theories and even inspired a television series. The inquest examined Caddick’s final hours, the actions of her husband Anthony Koletti, and the police investigation. The court heard that Caddick had taken her own life by jumping off the cliff at Rodney Reserve, approximately 500 metres from her home, on the morning of November 12, 2020. Caddick was heard walking out her front door at about 5:30am before disappearing and failing to turn up to a court appearance the following day. However, Koletti did not report his wife missing to the Rose Bay Police Station until 11:45am on November 13 - 30 hours since she was last seen. Amid his evidence, Koletti told the court he was under the mistaken belief he had to wait 24 hours to report someone missing. “Did you delay reporting her missing until that point in order to give her time to try to go somewhere?” Counsel assisting the coroner Jason Downing asked. “No,” Mr Koletti said. NSW Police Sergeant Trent Riley told the court during the inquest that he found it “extremely strange and unusual behaviour” that Koletti had initially told police he did not want them to come to his house or go to the station to make a statement. “I thought it was strange that a husband would ring the police station, report his wife missing from two days ago and wasn’t prepared to come to the police station and didn’t want police to go around and speak with him because he had too much work on that day,” Sergeant Riley told the court. Sergeant Riley also told the court that Koletti provided conflicting versions of when he had last seen his wife alive. He described Koletti as, “evasive, vague and inconsistent”. Colette has been consistently critical of the ASIC investigation. In an affidavit tendered to the court, he claimed he and Caddick were denied food, water and medical attention during the 12 hours when ASIC and AFP were present at their home. However, the court heard that during the raid, Caddick drank a protein shake, Koletti made her several coffees and they occasionally smoked cigarettes in their backyard. In a statement, he said, “I believe (Caddick) died as a direct result of ASIC’s negligence, cruelty and inhumanity.” Despite conceding Caddick was responsible for defrauding millions of investors and that they were allowed to be in their home on the day of the raid, he still maintained ASIC was responsible for her death. In February 2021, a foot washed up on Bourdna Beacon on the NSW south coast which was later identified as Caddick’s. The court had previously heard that Caddick’s shoe was covered in 250g of goose barnacles when it washed ashore. An expert's report stated the barnacle growth suggested the shoe would have been free floating on the surface of the water for three-seven days before washing up. The court heard that it’s possible the shoe drifted on the ocean floor for several months before floating to the surface and onto the beach. Oceanographer Dr David Griffin said that according to calculations using ocean currents, it’s plausible the show went into the water at Dover Heights and was found 400km south three months later. Pathologist Jennifer Pokorny told the inquest in a statement that it was not possible to determine the full extent of Caddick’’s injuries as there were no other remains aside from the decomposed foot. She added it was also not possible to determine a cause of death. Forensic psychiatrist Dr Kerri Eagle told the inquest that after reviewing Caddick’s medical record, along with witness statement, it appeared she had narcissistic personality disorder. She said that for people suffering from the disorder, their self-esteem and sense of well-worth latches onto external admiration and impressing others. Dr Eagle revealed to the court that as a result of being charged, Caddick would have also been in danger of losing her work and the “respect and admiration” of others. She told Ryan that when ASIC raided her home, it was possible it had a “very huge” impact on her self-esteem. “Ms Caddick appeared to experience problems with low mood, depression and anxiety and problems coping with extraordinary stress … the low mood symptoms persisted as long as the stress persisted,” Eagle said. She also noted that people with similar disorders have been known to take their own lives after a “major insult to their self-esteem”. Image credit: Instagram

Legal

Australians lost more than $3bn to scammers in 2022. Here are 5 emerging scams to look out for

The Australian Competition and Consumer Commission’s latest <a href="https://www.accc.gov.au/system/files/Targeting%20scams%202022.pdf">Targeting Scams report</a> indicates Australians reported more than A$3 billion lost to fraud in 2022. This is about a $1 billion increase on <a href="https://theconversation.com/australians-lost-2b-to-fraud-in-2021-this-figure-should-sound-alarm-bells-for-the-future-186459">reported losses from 2021</a>. Year upon year, we’re witnessing a rise in monetary losses to fraud. Behind these figures sit millions of Australians who experience a range of financial and non-financial <a href="https://www.aic.gov.au/sites/default/files/2020-05/29-1314-FinalReport.pdf">harms</a>. Here’s what we’ve learned from the latest report – and some advice on what to look out for in the year ahead. <h2>2022 at a glance</h2> Of the reported $3 billion lost, about half was stolen as part of investment schemes – more than double the $701 million figure from 2021. A desire to invest in cryptocurrency has driven up these losses, with potential investors inadvertently transferring money to offenders advertising a range of falsehoods. Remote access schemes – in which a scammer convinces the victim to grant them access to their computer – jumped into second place, with $229 million in reported losses. This was followed by payment redirection scams (also known as business email compromise fraud). Those who reported directly to Scamwatch lost an average of $19,654 – an increase of 54% from the $12,742 reported in 2021. The report also shows not all victims are targeted equally; people aged 65 years and older reported the highest losses across all demographics. Indigenous Australians, people with a disability, and those from culturally and linguistically diverse backgrounds were also overrepresented. For the first time in many years, text message was the most popular method for offenders to target victims. And while bank transfers were the most popular way to send funds to offenders, <a href="https://theconversation.com/crypto-theft-is-on-the-rise-heres-how-the-crimes-are-committed-and-how-you-can-protect-yourself-176027">cryptocurrency transfers</a> continue to increase in popularity – rising 162.4% in one year. There was, however, a reduction in fraudulent phone calls. This is likely attributable to the introduction of <a href="https://www.commsalliance.com.au/__data/assets/pdf_file/0015/72150/C661_2022.pdf">regulatory action</a> to block known scam calls. It’s a bright spot in an otherwise dark report. <h2>Trends to look out for</h2> The Targeting Scams report demonstrates the many ways offenders seek to defraud victims. On one hand, people are becoming more aware of common scam tactics. On the other, criminals are adjusting their methods to gain the upper hand. Here are five types of relatively lesser-known frauds everyone should be aware of. 1. Romance baiting Also known as “<a href="https://news.sophos.com/en-us/2021/05/12/fake-android-and-ios-apps-disguise-as-trading-and-cryptocurrency-apps/">cryptorom</a>” or “<a href="https://krebsonsecurity.com/2022/07/massive-losses-define-epidemic-of-pig-butchering/">pig butchering</a>”, this scam is a convergence of investment fraud and traditional romance fraud approaches. The offender first initiates a relationship with the victim – through dating apps, websites or social media platforms. Once they’ve established trust, they encourage the victim to put their money into an “investment” opportunity, often cryptocurrency. The victim will then unknowingly transfer their money to the offender, who is under a different guise. This kind of romance baiting raises fewer red flags than directly asking for money, and is targeting a younger demographic compared to more traditional romance fraud. Such deceptions are coded under investment schemes. This is likely driving the surge in investment scheme losses reported in recent years, while also accounting for a lack of substantial increases in romance fraud. 2. Online shopping fraud Offenders are skilled at creating fake websites and product advertisements that look genuine. Often these fake sites will have only subtle differences from their real counterparts. Consumers may not be able to tell the difference. Criminals can directly access funds through victims’ credit card details obtained on these sites. Online shopping fraud targets a range of demographics. It’s happening on stand-alone websites, social media platforms and online marketplaces. 3. Jobs and employment fraud <a href="https://research.qut.edu.au/centre-for-justice/wp-content/uploads/sites/304/2022/02/Briefing-Paper-Series-Feb2022-Issue21-17022022.pdf">Research</a> has indicated that working from home and flexible working conditions are strong indicators of a fraudulent job listing. But in a post-COVID world, flexibility at work is often a key criterion for job seekers, if not a deal-breaker. Offenders have noticed this, and are responding by posting attractive job advertisements that offer flexibility and high incomes. Victims submit their CVs and personal credentials (setting themselves up for identity crime), or may be required to pay upfront for training or materials costs for a job that doesn’t exist. Employment scams are targeting younger people in particular, as they’re more likely to have <a href="https://australiainstitute.org.au/report/youth-unemployment-and-the-pandemic/">experienced job loss and insecurity</a> in the wake of the pandemic. 4. Recovery schemes Many fraud victims will want to take whatever action possible to recover lost funds. To exploit this, offenders will trade the details of victims with each other. They will then pose as authorities (often law enforcement, banks or private agencies) who are aware of the victim’s circumstances and promote their ability to regain the missing funds for a fee. In this way, victims who are desperate to recover losses are manipulated into paying even more money to offenders. 5. Remote access schemes Receiving a phone call from a computer technician advising of a problem with your computer and offering to fix it is a common experience for many. While this approach isn’t new, it made a strong resurgence in 2022 – particularly targeting older people. These scam calls often come through landlines and prey on people’s fear for the security of their bank details and other personal data. The fraudsters often invoke a sense of urgency about needing to rectify the “problem”, and victims are persuaded to give the offender remote access to their computer. The criminal can then access a wealth of personal information. They can gain direct entry to bank accounts to transfer funds, and can access identity credentials and other sensitive details to commit identity crime in the future. <h2>Change is needed to protect the public</h2> The threat of fraud will only increase alongside technological evolution. Experts are concerned about artificial intelligence tools such as <a href="https://www.theguardian.com/technology/2023/mar/08/darktrace-warns-of-rise-in-ai-enhanced-scams-since-chatgpt-release">ChatGPT</a> and image and video generators giving cybercriminals yet another tool to add to their arsenal. The latest Scamwatch report is further evidence banks and financial institutions need to implement measures to help reduce fraud losses; among these, the checking of account names against BSB numbers for all transactions. The UK has a <a href="https://www.ukfinance.org.uk/policy-and-guidance/guidance/confirmation-payee">confirmation-of-payee</a> policy that does this. The government is attempting to address the continued surge in fraud losses through the revision of its <a href="https://www.homeaffairs.gov.au/about-us/our-portfolios/cyber-security/strategy/2023-2030-australian-cyber-security-strategy">cybersecurity strategy</a> and the potential establishment of a <a href="https://consultation.accc.gov.au/accc/national-anti-scams-centre-survey/">National Anti-Scams Centre</a>. These are both positive steps but it’s clear there’s a need for more work to be done. Image: Getty This article originally appeared on <a href="https://theconversation.com/australians-lost-more-than-3bn-to-scammers-in-2022-here-are-5-emerging-scams-to-look-out-for-204018" target="_blank" rel="noopener">The Conversation</a>.

Money & Banking

Julia Faustyna takes DNA test to prove wild identity claims

Julia Faustyna, the Polish woman who is convinced she is the missing Madeleine McCann, has reportedly taken a DNA test to prove her claim. However, in a stunning twist to the tale, Faustyna’s private investigation with spokesperson Dr Fia Johansson has led the young woman to consider the possibility that she may actually be another missing child - Livia Schepp, who went missing with her twin sister in Switzerland in 2011. “I’ve spoken to her about this and she is open to the fact she could be any missing child out there,” Dr Johansson said while speaking to The Sun. “Not just Madeleine. Julia wants to know the truth about who she is.” While Faustyna’s main argument has involved the physical similarities between herself and Madeleine McCann, one of the pivotal points in her story is how she recognised a suspect from McCann’s case - a man she has named as her own abuser. “One of the reasons she made the connection to Madeleine is because one of the suspects in Madeleine’s case looks very much like a man who she says abused her as a child,” Dr Johansson explained. “But the same man could be connected to Madeleine and other missing children, this is how predators and traffickers work.” “Julia has taken a DNA test,” she confirmed, “and we are investigating if it’s possible to check her DNA with that of [the] missing Livia. We are investigating all possibilities at this stage.” Livia Schepp - and her twin sister Alessia - went missing when they were six, after their father abducted them from Switzerland in 2011. Days later, he took his own life in Italy, and when police discovered the body, the twins were nowhere to be seen. Faustyna, who claims to have post-traumatic amnesia due to sexual abuse in her childhood, lacks clear recollection of her formative years, and has stated while she can recall holidays, she doesn’t “recall my mother being there, for example, or my stepfather, much less my dad.” Whether or not any of Faustyna’s theories are true, the public will have to keep speculating, as no results have yet been shared. However, Faustyna’s viral “@iammadeleinemccan”, where she was sharing updates and side-by-side comparisons with her followers, has since been deleted from the platform. The removal coincides with reports of the DNA test, and after Faustyna closed both her Facebook and Tiktok accounts, disputing her parent’s claim that she was only in this for attention when she said “if you don’t like me, please unfollow. I don’t want fans or followers.” Images: Instagram, Twitter

News

Kochie blasts online scammers using his identity

David "Kochie" Koch has blasted the government for an urgent response to the drastic rise in online scammers. Speaking with the Assistant Treasurer Stephen Jones on Sunrise, Kochie was fired up when he shared that his identity has been used online to scam people "for years". Kochie predicted that Australians have lost over $4 billion to scammers in 2022 so far, with Jones saying that number is probably larger than first estimated. A furious Kochie responded, "What are you going to do about it? Because look, scammers have been using my photo and dodgy quotes from me to scam people for years." "They appear on Facebook, they appear on LinkedIn... and I can do nothing about it." Recalling a recent issue with a scammer, Kochie continued, "I had a bloke on the weekend contact me through Facebook, abusing me because he'd lost $30,000 on a scam that used my picture and dodgy comments from me." Assistant Treasurer Jones went on to say that the law currently doesn't allow for punishments of online media when it comes to scams, but the government is pushing to amend such legislation. He said, "We need to drag the law into the 21st century... Social media platforms need to be accountable for the material they are publishing." Kochie said that was "music to his ears", saying that "not only are people losing thousands of dollars, but it damages my reputation. I seem photo online saying things saying things I never said about bitcoin or whatever, and people lose money because they think it's me." Assistant Treasurer Jones assured Kochie that the government will be cracking down on these "economic criminals at the source", with Kochie again saying, "It's just heart-breaking for our viewers who get sucked in by these sorts of things." Image credits: Sunrise

Money & Banking

Hugh Sheridan’s ex-husband’s identity revealed

The identity of the high profile entertainer who was <a href="https://oversixty.com.au/lifestyle/relationships/zero-regrets-hugh-sheridan-reveals-secret-marriage" target="_blank" rel="noopener">married to Aussie actor Hugh Sheridan</a> has been revealed. The former Packed to the Rafters actor, who is non-binary and uses they/them pronouns, appeared on Jessica Rowe's Big Talk Show podcast and said they were married for nine years to an unidentified actor. But fans did a little digging and have concluded that Hugh, 37, was married to 35-year-old Dynasty star and Venezualan actor Rafael de la Fuente. It is understood that at the time of the relationship, Rafael was openly gay and Hugh was yet to share that he too was gay. On the podcast, Hugh said he did not want to reveal their former partner’s name but said the pair tied the knot on July 11, 2011 and were married for nine years. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/Cf14Mh9OQeV/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/Cf14Mh9OQeV/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Rafael De La Fuente (@rafaeldlf)</a> </div> </blockquote> “I can't say their name because they were in the same industry, so. Couldn't really be specific about that, but I was married,” Hugh said. “We were solidly together for about seven years and then the last couple of years we were travelling a lot and it got too hard and, but we're still very good friends.” Hugh confessed that close family and friends knew about the marriage but they decided to keep it private from the public. “I was finding out if you don't speak out about your private life, people can assume that you're ashamed or that you've got some sort of an agenda or that you are denying other people their self expression by not talking about it.” Image: Instagram

Relationships

William Tyrrell's foster parents charged with property fraud

William Tyrrell's foster parents are facing charges of property fraud, after being accused of getting someone to make "dummy bids" at an auction in Sydney. The couple, who cannot be named for legal reasons, will each face one count of dishonestly obtaining financial advantage by deception and will face court in October. They have been accused of getting a person to deliberately make fake bids on a property in December 2020, in order to unfairly drive the price up. These charges have no relation to the case of their missing three-year-old foster child, who was last seen wearing a Spider-Man suit in the garden of his foster grandmother's home in Kendall on the NSW mid-north coast in 2014. "Strike Force Rosann detectives issued Future Court Attendance Notices (FCAN) to a 55-year-old man and a 56-year-old woman," police said in a statement. "It will be alleged in court the pair organised a third party to falsely bid for a property at an auction in December 2020." The maximum penalty for dishonestly obtaining financial advantage by deception is 10 years in prison. Image credits: Shutterstock / NSW Police

Legal

Top tips for avoiding scams

Falling victim to a clever scam artist is something we all fear! With these top tips we show you how to avoid getting ripped off. Statistics show that unfortunately older Australians are often the target of scam artists looking to make a quick buck off someone else’s hard-earned cash. They’ve had help. With technology evolving and more people going online to pay bills, communicate with friends and family, and to find love, there have been a number of reported cases of people sending money overseas or elsewhere never to see it again. However, there are ways to outsmart those who would try to trick you out of your retirement savings. What to look out for Financial fraud can come in any form. It can be an email from a stranger asking for a donation to a charitable cause or a phone call promising a once-in-a-lifetime investment opportunity. However, as the saying goes, if it sounds too good to be true, it’s because it probably is. According to the Australian Competition and Consumer Commission’s (ACCC) SCAMwatch site, a one-stop information shop on how to recognise, avoid and report scams, almost everyone will be approached by a scammer at some stage in their life. That’s a scary pronouncement, but one that’s very much evident in the growing number of stories of people who have fallen victim to a scam. While some scams are easy to spot, others appear to be genuine offers or bargains. There’s a number of different types of scams too, from investment and superannuation scams to ones involving your bank or credit card. It can even look as innocent as a supermarket customer satisfaction survey. At the end of last year, the ACCC spread the news of a fake Woolworths’ customer satisfaction survey, which asked shoppers for their bank account details in exchange for a $150 gift voucher. Scammers sent the survey out mostly via social media or email, and asked people to complete all of the questions before saying they could claim their voucher. However, when people did try and claim the voucher, they found it was fake. “Scammers impersonate well-known businesses to get their hands on your personal details,” ACCC deputy chair Delia Rickard said at the time. “Once you have unknowingly sent your details to a scammer, they can steal your money – and possibly even your identity.” Warning signs Scams can target people of all backgrounds, ages and income levels. The reason many people fall victim to a scam is because they look like the real thing. They could look like a legitimate business email or letter, with logos, contact details and genuine information that could be targeting a specific need or desire. It’s not until you dig a little deeper that you find something is not right. Scammers can also manipulate you by “pushing your buttons”, according to the ACCC, to get an automatic response. This is not based on you personally but on how society works as a whole. It’s not until after you have acted in the way they want that you find something is wrong. The best way to spot a scam is to be vigilant and cautious, especially when it comes to giving out personal details over the internet or the phone. Most scams will need you to do something before they can work. It may ask for your bank or credit card details, or for you to send money based on a promise of significant financial reward that turns out to be false. Some scams also rely on you to agree to deals without getting advice first or to buy a product without properly looking into it. Don’t be a victim The first step in protecting yourself against scams and other forms of financial fraud is to be aware that it can happen. Some people hold certain perceptions that make them more susceptible to being scammed, such as the belief that all companies or organisations are legitimate or that all internet sites are legitimate. Both are myths. Consumer protection agencies try to weed out dodgy operators before they have an impact, but sometimes one can slip through the net. Most of these fake sites will be taken down after a few days, but that is still long enough for someone to have bought into a dodgy deal or to have provided their bank details to a scammer. The second step is to be cautious and protective of your personal details. This includes your contact details and bank or credit card details. Always seek independent advice before agreeing to any sort of money commitment and remember there are no get-rich-quick schemes. Check your bank statements regularly and if you see a transaction that you’re not sure about or cannot explain, contact your bank or credit union. Also, keep your bank cards and personal identity number safe and secure. Be cautious and question everything. It’s the best approach to make sure you don’t become a scam victim. Image: Getty Images

Money & Banking

Beauty and the Geek star sentenced

A former Beauty and the Geek star has avoided a jail sentence after admitting to stealing several credit cards from clients at bucks parties. Jordan Finlayson, 31, appeared at the Downing Centre Local Court via video link on Wednesday where she pleaded guilty to possession of identity information with the intention of committing fraud. Following an investigation, police found her in possession of several photos of credit cards and NSW drivers licenses of three men from bucks parties she was waitressing at between January 29 and February 2. She was arrested on February 17 where she remained in custody until Wednesday. According to court documents, guests at the bucks parties were told to keep their items in a separate room before heading to the event. Finlayson used the room to change and proceeded to take photos of three men’s credit cards and licenses, <a href="https://www.news.com.au/entertainment/tv/reality-tv/beauty-and-the-geek-star-jordan-finlayson-sentenced-for-credit-card-theft/news-story/3a954e8a70448f25c19ddf70357bbaba" target="_blank" rel="noopener">news.com.au</a> reported. A few weeks after the events, the men began to notice unusual transactions on their cards. One man was informed from Centrelink that he received the $750 in Covid disaster payments and could not lodge his tax return because someone with the same name already filled it in. Another victim saw several transactions for coffee and Uber rides around the city. The former NRL cheerleader initially pleaded not guilty but changed her plea when she found out she was going on trial. The court heard that she was already on parole when she was arrested and had breached her conditions. Her barrister Daniel Grippi asked the court not to give her more jail time and instead get treatment for her drug problem in a rehabilitation centre. Magistrate Alison Viney told the court that the crime Finlayson committed carries seven years’ prison. With that in mind, she sentenced Finlayson to a 12-month Community Corrections order telling her, “I sincerely hope that once admitted to a rehab program your path forward is a much more successful one”. Images: Instagram

Legal

How a new art project in Bathurst is embracing the many identities of the town

For many, Bathurst’s Mount Panorama is exclusively a car racing venue. For Indigenous Australians it is a place called Wahluu, where First Nations women once offered their sons for tribal initiation. It is a cherished Wiradyuri territory that hosts dreaming and creation stories. Earlier this year, further development on the site <a href="https://www.sbs.com.au/nitv/article/2021/05/03/wahluu-womens-site-be-protected-says-federal-environment-minister">was blocked</a>, with the federal government acknowledging the cultural significance of the location for the Wiradyuri people. In some respects, the conflicting identity of Bathurst’s mountain can be reconciled through the forms of masculinity it represents: the male-centric sport of car racing – so central to the town’s present-day image – and the rite of passage of young Aboriginal men into adulthood. Now, a new art project, <a href="https://kateofthesmiths.com.au/fast-cars-dirty-beats/">Fast Cars & Dirty Beats</a> is navigating these cultural differences by fostering a sense of community. Created by artistic director Kate Smith, Fast Cars & Dirty Beats embraces Mount Panorama’s/Wahluu’s dual identity that, for some, is representative of a cultural divide between black and white Australia. Smith’s vision is not culturally constrained, but rather expressive of a location that is complex and multicultural. Liaising with Bathurst Wiradyuri Elders, Smith and her artistic collaborators have developed a series of community-focused projects revolving around the cultural significance of Wahluu/Mount Panorama. One of these initiatives, Mountain Tales, was launched on the first of July as part of Bathurst’s Winter Festival. Mountain Tales is the culmination of a year-long community engagement connecting local schoolchildren, teachers and parents with skilled craftspeople and musicians, fashioning decorative lanterns and the cultivation of a drumming community. A lantern procession Although it was raining for the July launch, more than 300 locals formed a dramatic lantern procession on the cold winter’s night. I was swept up in the pageantry unravelling across the CBD, eventually settling at Bathurst’s historical <a href="https://tremainsmill.com/">Tremain’s Mill</a>. Here the community proudly displayed their beacons of light, paying homage to the Chinese presence in Bathurst since the 1800s. Supporting the procession, Rob Shannon’s drummers created a collective heartbeat, fostering a sense of joy and belonging. After this ceremony of light and sound, members of the community told stories about the significance of Mount Panorama/Wahluu. Yarns were shared concerning the mountain being a place where locals experienced a first kiss or participated in some youthful skylarking. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=800&fit=crop&dpr=1 600w, https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=800&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=800&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=1005&fit=crop&dpr=1 754w, https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=1005&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/473106/original/file-20220707-22-kkwl50.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=1005&fit=crop&dpr=3 2262w" alt="A paper lantern in the shape of a car." /></a><figcaption>Cars are central to Australia’s image of Bathurst – but they’re not the whole story. Kate Smith</figcaption></figure> Wiradyuri Elder Wirribee Aunty Leanna Carr-Smith explained to the group how the area plays host to both women’s and men’s business. But such stories are only for the ears of Indigenous women and men. There is a secrecy about Wahluu. Some stories are off limits to white Australians. Wiradyuri Ngayirr Ngurambang – Sacred Country The most breathtaking project launched at the Mountain Tales event is Aunty Leanna/Wirribee and Nicole Welch’s collaboration with Smith, <a href="https://www.dropbox.com/s/4hanss4771t8aim/SacredCountryV6_withAudio.mp4?dl=0">Wiradyuri Ngayirr Ngurambang – Sacred Country</a>, a film emblazoned across Tremain’s Mill. The old mill precinct is a reminder of colonisation and its violence. For this occasion it operated as a backdrop through which Indigenous and non-Indigenous Australians connected. Beaming the film’s panoramic landscapes across this built environment juxtaposed the two cultures. Considering the urgency of global warming, the film brings together drone footage of Wahluu/Mount Panorama and aerial photography of other Indigenous landscapes in the region. It is an ethereal perspective. The soundscape is as rich and textured as the landscape, conveying an extraordinary, yet fragile, beauty. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=600&h=516&fit=crop&dpr=1 600w, https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=600&h=516&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=600&h=516&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=45&auto=format&w=754&h=649&fit=crop&dpr=1 754w, https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=30&auto=format&w=754&h=649&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/473108/original/file-20220707-12-yw20iu.jpg?ixlib=rb-1.1.0&q=15&auto=format&w=754&h=649&fit=crop&dpr=3 2262w" alt="Film still." /></a><figcaption>Projected onto the wall of Tremain’s Mill, Wiradyuri Ngayirr Ngurambang – Sacred Country is a meeting of Indigenous landscapes with colonial Australian history. Kate Smith</figcaption></figure> Wiradyuri Ngayirr Ngurambang – Sacred Country also explores shared understandings between First Nations and non-First Nations women. Their interracial connection is enacted through a seamless editing style that bridges the Tarana landscape to the Wahluu/Macquarie River, and then eventually to Wahluu/Mount Panorama. The film’s boundless landscapes evoke an all-embracing hospitality that traverses cultural differences. Sometimes the imagery creates vaginal shapes that feminises the country. The land and its creatures come across as alive and vibrant. Sky and earth are mirrored, inspiring our contemplation of eternity and the Indigenous custodianship of Country. Departing later that night, I pondered eternity. One lifetime is nothing compared to 65,000 years of Indigenous connection to Country. This awareness was both profound and comforting. But the night of collective celebration and storytelling also encouraged me, and no doubt others, to delight in life’s briefest moments. Wiradyuri Ngayirr Ngurambang – Sacred Country is playing at Tremain’s Mill, Bathurst, until July 17. <img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/185860/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/suzie-gibson-111690" target="_blank" rel="noopener">Suzie Gibson</a>, Senior Lecturer in English Literature, <a href="https://theconversation.com/institutions/charles-sturt-university-849" target="_blank" rel="noopener">Charles Sturt University</a> This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-a-new-art-project-in-bathurst-is-embracing-the-many-identities-of-the-town-185860" target="_blank" rel="noopener">original article</a>. Image: Kate Smith

Domestic Travel

Australians lost $2b to fraud in 2021

Australian consumers and businesses lost more than A$2 billion to scams in 2021, according to the Australian Competition and Consumer Commission’s (ACCC) annual Targeting Scams <a href="https://www.accc.gov.au/publications/targeting-scams-report-on-scam-activity" target="_blank" rel="noopener">report</a> released. This figure should sounds alarm bells – it’s more than double the $851 million reported lost in 2020. The increase in losses was primarily driven by a doubling of investment fraud losses, from $328 million to $701 million, and a substantial increase in payment redirection fraud, from $128 million to $227 million. Scamwatch alone received more than 286,000 reports. So what does the latest report tell us about the current state of play for fraud in Australia? And perhaps more importantly, what can be done? <h2>The rise of crypto scams</h2> Cryptocurrencies have played a major role in fraud losses this year. They’re largely responsible for the surge in investment fraud losses, with many victims being persuaded to invest their funds in fake or non-existent crypto schemes. The request to invest funds in a crypto scheme raises fewer red flags than a request to directly send money to someone. In the former, the victim believes they’re potentially making genuine returns. Cryptocurrencies have become the most popular payment method across all fraud types. This is likely due to the difficulty of tracking crypto payments. Cryptocurrency is also having a significant impact on romance fraud. Romance fraud itself appears steady – with victims reporting $142 million lost in 2021, compared to $131 million in 2020. However, offenders are increasingly using these fake online relationships as a recruitment mechanism for attracting investments in fraudulent crypto schemes. This is known as “<a href="https://www.accc.gov.au/media-release/romance-baiting-scams-on-the-rise" target="_blank" rel="noopener">romance baiting</a>” or “<a href="https://news.sophos.com/en-us/2022/03/16/cryptorom-bitcoin-swindlers-continue-to-target-vulnerable-iphone-and-android-users/" target="_blank" rel="noopener">cryptorom</a>”. <h2>Who are the victims?</h2> Research indicates all demographics are vulnerable to fraud, but not all are equally vulnerable. 2021 saw increased losses for older people, Indigenous Australians, people from culturally and linguistically diverse (CALD) communities and those with a disability. For example, people aged 65 and older reported $82 million lost, up from $38 million the year before. It’s clear the most vulnerable in society are being hugely impacted. Businesses are also being decimated through payment redirection schemes, or “<a href="https://eprints.qut.edu.au/200621/" target="_blank" rel="noopener">business email compromise fraud</a>”. In these cases, offenders infiltrate businesses and intercept payments and invoices from customers and suppliers. This can result in severe financial losses, as seen in the <a href="https://www.abc.net.au/news/science/2022-04-24/scammers-hackers-real-estate-deposit-property-settlement/101000288" target="_blank" rel="noopener">real estate</a> industry. <h2>The ongoing impacts of COVID</h2> The COVID-19 pandemic has been a significant disruptor since March 2020. Lockdowns and isolation requirements have driven a global shift towards online activity. Cybercrime has flourished – and fraud is no exception. The pandemic impacted fraud in several ways. There are COVID-themed frauds targeting Australians, with a focus on <a href="https://www.scamwatch.gov.au/types-of-scams/current-covid-19-coronavirus-scams/covid-19-vaccination-scams" target="_blank" rel="noopener">vaccines</a>, personal protective equipment and <a href="https://www.servicesaustralia.gov.au/text-message-scam-for-free-covid-19-test-kit" target="_blank" rel="noopener">contact tracing</a>. There are also <a href="https://www.choice.com.au/outdoor/pets/products/articles/pet-scams" target="_blank" rel="noopener">pet scams</a> trying to capitalise on people’s desire to purchase furry, four-legged companions. The pandemic also shifted the fraud profile of the Australian population. The continual state of anxiety that has characterised the past two-and-a-half years, coupled with financial and relational strain, has people worn-down. This means fraud approaches that may not have worked prior to the pandemic are now more likely to succeed. And this provides a context to understanding the massive losses in 2021. <h2>What can we expect now?</h2> Despite the magnitude of losses reported, the sad reality is very few of these reports will result in consumers getting their money back. Even fewer will result in a <a href="https://eprints.qut.edu.au/135582/8/ACORN_deidentified_submitted.pdf" target="_blank" rel="noopener">criminal justice outcome</a>. This will leave most victims frustrated and angry with the legal system having not met their expectations. Fraud poses distinct <a href="https://theconversation.com/theres-a-gap-between-what-people-expect-when-they-report-cybercrime-and-what-police-can-deliver-102781" target="_blank" rel="noopener">challenges for police</a> and other agencies. Offenders don’t use their real identities and will often commit offences across multiple jurisdictions, making it difficult to catch and prosecute them. Disruption and prevention are the key to making any inroads in reducing fraud losses. This is challenging work, and arguably more must be done given the recent escalation in losses. <h2>A collective responsibility</h2> It’s important to remember that behind the statistics are individuals who have lost money and, in many cases, suffered considerably. The impact of fraud isn’t restricted to financial loss; it reverberates across the physical, emotional and relational aspects of our lives. Prevention advice for individuals is to remain vigilant, ask questions and do their own research. Having strong passwords and up-to-date software are important, but will do little to deter a motivated offender. Fraud is largely a human problem. So we need to better understand the psychological techniques used by offenders and develop targeted ways to fight back. It’s also time the government took fraud more seriously and invested resources and expertise into reducing losses to individuals, businesses and society at large. Australia currently has no current co-ordinated fraud strategy to mitigate, prevent or respond to losses. There is a clear need to develop better education and prevention materials that account for the diversity in victimisation. Knowing that certain demographics are more likely to be victimised highlights the need to create resources tailored to these individuals. The latest ACCC report should be an unmissable warning sign. On its current path, Australia is headed for even greater losses than the $2 billion mentioned above. At what point will we finally act? This article originally appeared on <a href="https://theconversation.com/australians-lost-2b-to-fraud-in-2021-this-figure-should-sound-alarm-bells-for-the-future-186459" target="_blank" rel="noopener">The Conversation</a>. Image: Shutterstock

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