Countering External Fraud

The Smart Fraud Detection system checks payments in real time, suspends or blocks those that seem suspicious.

The SMART FRAUD DETECTION system detects the following fraudulent activities:

Provision of fake and fraudulently modified electronic payments (Internet banking, mobile applications)
Fraudulent transactions with payment bank cards: unauthorized actions with accounts and funds within the banking network of information systems (Internet Bank, mobile applications, bonus systems, loyalty cards)
Performing operations without the client’s consent. Signs of such operations are regulated by the Bank of Russia
Fraudulent actions with bonus systems and loyalty cards.
- Abnormal actions with bonuses or miles (credited and used) by customers, employees, and partners
- Unauthorized withdrawal of bonuses or miles
- Stealing customer credentials to use bonuses or miles

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Examples of external attacks that reflect the SMART FRAUD DETECTION system.

1. Attacks on Internet Banking and Mobile applications:

Unauthorized transactions in e-banking from the client workstations

Trojan infection of the client:

Theft of RBS User credentials

Phishing (fake site):

Theft of customer credentials: user names, passwords, interception of one-time passwords

“Social engineering”

Theft of customer credentials with further transfers to fraudulent accounts and cards
Self-transfers by customers to accounts and cards of fraudsters

Attack on the RBS infrastructure

Trojan infection in the Bank’s infrastructure:

Theft of customer credentials: user names, passwords, interception of one-time passwords
Distribution of malicious code – infection of client workstations
Generating and sending an illegal payment

2. Attacks on card transactions:

3. Social engineering