在反诈劝阻工作中，冒充公检法类的诈骗是让警方较为头痛的一种情况，骗子会制作假警服、假证件、 假逮捕令等工具，用来恐吓当事人。在被骗子深度洗脑后，当事人见到上门劝阻的民警转身就跑，拒不 开门。这样的一幕，前不久就发生在山西太原。当地一居民报警求助，他的妻子黄女士接到了冒充公检 法的诈骗电话，随时都有转账风险。 接到报案后，警方立即驱车赶往黄女士家中，准备对她进行劝阻，然而仅仅是开门这一步，就遇到了阻 碍。经过一番交涉，民警终于敲开了黄女士的家门，发现她还在跟骗子保持联系，于是警方开始苦口婆 心地劝导她。 民警：公安机关是从来不会通过电话来办案的，我们怎么办案的您也看到了，是不是咱们面对面，我见 了你我要跟你表明我的身份，给您亮我的工作证。 见黄女士还是将信将疑，民警灵机一动，主动提出要跟对面的假警察打视频通话对峙，一场猫鼠游戏就 此上演。 民警：我们是太原市公安局万柏林分局反诈中心的。 骗子：你好，稍等我一下。 民警：来，你把你的视频打开。 骗子：稍等我一会儿，我问一下警察叔叔，你是怎么来到这里的。 民警：因为你正在骗这个老人家，所以我们就来到这里了，我们要拆穿你的骗局。 民警：冒充公检法诈骗，我现在已经对你实 ...

在当前严峻复杂的电信网络诈骗形势下，泸州银行始终将客户资金安全放在首位，通过人工、机制、科 技三重防线，构建起全方位、多层次、立体化的反诈工作新体系，精准识别多起诈骗案件、成功拦截多 笔涉诈资金，展现了专业的风险防控能力和高度的社会责任感。 智能风控系统的监测与数据分析，为泸州银行的反诈工作织出一张严密的防控网。风控系统对全行交易 进行不间断扫描，通过"监测-预警-处置-反馈"的快速应急响应，多次察觉涉诈资金可疑苗头，变"被动 响应"为"主动出击"，展现了数字化风控的卓越能力。泸州银行风控系统按地理区域、客群特点等开展 账户灵活分级分类，同时根据市公安局指导丰富账户监测模型、监测渠道，不断提升风险识别的广度与 精确性。 除拦截涉诈资金外，泸州银行不断开展如"精准普法进商铺""抓反诈鸡蛋带回家""反诈小熊趣味宣传"等 各式各样的反诈宣传活动，有效提升公众的识诈防骗能力。未来，泸州银行将不断提升反诈工作精准性 与有效性，坚决筑牢反诈防火墙，为维护社会金融稳定与人民群众财产安全贡献更大力量。 警银协作，快速拦截涉诈资金 泸州银行与公安部门的"线索直报通道"，形成了一套高效的警银联动机制。在发现可疑行为后，工作人 员 ...

临近年底，新型诈骗活动频发。近期，全国多地警方已发布风险提示。为大家盘点了几类最新骗局及防范要点，帮助大家筑牢安全防线，守好"钱袋 子"。 L FIT LE H .. Home 你的主力 未成年人成新目标 假借游戏弄师诈骗 诈骗分子开始将缺乏辨别能力的未成年人作为新目 标。近期,有9岁男孩在玩游戏时,被自称可带徒弟 的"师父"搭讪。"师父"引导孩子下载声称能领 退款的App,随后又让其下载具备屏幕共享和远程 操控功能的App。"客服"以"操作需验证"为 由,让孩子拿着手机去找家长进行人脸识别。毫不 知情的家长一旦刷脸,就等于授权了支付功能,账 户资金会被迅速转出。 警方提醒 加强教育:定期对孩子进行反诈教育,告诫他们不 要轻信网络上陌生人的承诺。 管好密码: 不将支付密码告知孩子, 并定期更换。 关闭免密:为支付APP设置支付密码,关闭免密支 付功能。 年底反诈预警 犯罪团伙利用新手网络主播急于涨粉涨流量的心 理,不断抛出"包上热门""快速涨粉"等诱人的 话术,反复强调自己手握"官方内部资源",能帮 新手主播快速实现流量突破。他们通过分配流量、 签约、授课等方式,骗取想靠直播走红的主播的签 约费用,然后承诺每 ...

据悉，此次培训是武陟县邮银双方深化协同合作、践行社会责任的重要举措，也是构建反诈工作合力的 具体实践。培训中，武陟县反诈中心民警结合近年来高发的电信网络诈骗案例，聚焦"虚假投资理 财""冒充客服退款""冒充公检法"等常见诈骗类型，深入剖析了诈骗分子的作案手段、话术设计及诱导 逻辑。 来源：环球网 为进一步筑牢金融安全防线，提升金融从业者反诈履职能力与群众风险防范意识，近日，邮储银行武陟 县支行联合该县邮政分公司、县反诈中心，共同组织网点一线员工开展反诈宣传专题培训。 针对银行网点业务场景，工作人员重点讲解了开户审核、转账汇款、大额资金异动等环节的反诈防控要 点，指导员工如何快速识别可疑交易、拦截诈骗风险，并向客户开展有效的反诈提示。 下一步，邮银双方将持续强化与反诈中心的合作，通过张贴宣传海报、发放宣传手册、利用网点LED屏 滚动播放反诈标语等多种形式，向广大群众普及反诈知识，切实提升群众的识骗、防骗、拒骗能力，全 力守护群众的"钱袋子"，为维护地方金融秩序稳定贡献邮银力量。（谢新平） ...

Core Insights - Douyin is enhancing its anti-fraud capabilities by introducing new intelligent tools, including a 24/7 smart service through its official anti-fraud account "Douyin Anti-Fraud" [1] - The platform aims to educate users about new scams and provide practical anti-fraud techniques to strengthen user awareness [1] - Douyin's intelligent service allows users to report suspicious situations and receive real-time analysis and responses based on a knowledge base and fraud identification model [1][2] Group 1 - Douyin's official anti-fraud account now features a smart service that provides users with immediate assistance when encountering risks [1] - Users can access the service by searching for "Douyin Anti-Fraud," following the account, and sending a message describing their issue [1] - The intelligent system offers a one-stop service from consultation to verification and reporting [1] Group 2 - The new feature is part of Douyin's ongoing upgrades to its anti-fraud tools, which began with the launch of the "Verification Assistant" in December 2024 [4] - The "Verification Assistant" has undergone multiple upgrades this year, adding features like "one-click query of official contact records" and "official dynamic verification codes" [4] - Over the past year, 7.266 million users have utilized the "Verification Assistant," with an average of 80,000 users daily verifying information [4] Group 3 - Douyin's fraud identification model has flagged over 10,000 suspected high-risk items for manual verification, successfully preventing over 15,000 potential victims through outbound calls [4] - The platform's core anti-fraud functions aim to enhance public fraud prevention capabilities and protect user rights [4] - Douyin plans to continue upgrading technology and disseminating knowledge to systematically dismantle fraud techniques and issue timely risk warnings [4]

可见，存取超5万元不问来源与用途，绝不意味着放松反洗钱、反诈要求，或偏颇概括为从超5万 元"逢取必问"走向"不闻不问"。取消这一规定，相当于银行不必再机械性地被动执行合规要求，而是转 为主动识别风险。如新闻所提到的，若一大学生突然收取多笔跨省转账后，又集中大额转出，面对这 种"异常交易"，银行就必须启动"强化调查"，这意味着对银行的风险研判、技术支撑和方案制定等能力 提出了更高要求。因此，挑战也才刚刚开始，未来各个银行将以何种方式实现安全和便利的平衡，大数 据分析、AI模型等技术将如何发挥作用，仍有待观察。 这样的松绑不仅站在储户的角度是必要的，对于金融机构本身也是必然趋势。毕竟，动辄对着储户 问"十万个为什么"意味着监管效能低下，这样的金融服务久而久之也会失去储户的信任。未来，如何落 实好这一新规，也需要有关部门严格按照要求对地方金融机构进行监管，真正做到不搞层层加码，让反 诈、反洗钱工作更好地守护公众财产安全。 2022年，针对自然人客户单笔存取5万元以上现金的反洗钱监管规则，曾引发广泛社会争议，规定 明确:商业银行等金融机构为自然人客户办理人民币单笔5万元以上现金存取时，应当识别并核实客户身 份，了解并 ...

Core Viewpoint - The newly released "Measures for the Management of Customer Due Diligence and Customer Identity Information and Transaction Record Retention" by the People's Bank of China and other regulatory bodies emphasizes a risk-based approach to customer due diligence, aiming to balance anti-money laundering (AML) measures with the optimization of financial services [1][2][4]. Group 1: Risk-Based Customer Due Diligence - Financial institutions are required to conduct customer due diligence based on the characteristics of customers and the nature of their transactions, avoiding mismatched measures against money laundering risks [1][2]. - Simplified measures can be applied for low-risk scenarios, such as pension accounts, where customer income sources are clear and stable, while enhanced due diligence is necessary for high-risk situations, such as unusual transaction patterns [2][3]. - The purpose of customer due diligence is to fulfill AML obligations and identify abnormal situations, serving as a critical defense against money laundering activities [3][4]. Group 2: Privacy and Compliance - There are concerns regarding the legitimacy of customer information requests during due diligence, but such practices align with international standards and are necessary for preventing financial system abuse [4][5]. - Financial institutions must balance the need for customer information with privacy protection, ensuring that customer identity and transaction data obtained during AML efforts are kept confidential [4][6]. Group 3: Balancing Security and Convenience - The management approach seeks to find a balance between security and convenience in customer due diligence processes, acknowledging that excessive focus on convenience may compromise financial security [6][7]. - The distinction between AML and anti-fraud measures is important, as AML relies on customer due diligence and transaction monitoring, focusing on preventive measures tailored to specific risk scenarios [7].

Core Viewpoint - The article emphasizes the need for precise anti-fraud measures to avoid unnecessary inconvenience to the public while effectively combating telecom network fraud [1][2][3] Group 1: Current Issues in Anti-Fraud Measures - There has been an increase in over-execution and "one-size-fits-all" approaches in anti-fraud efforts, leading to public inconvenience such as excessive questioning during bank transactions and the need for proof of innocence for phone number reactivation [1] - The root cause of these issues lies in the "lazy governance" mindset, where responsibilities are shifted to the public, resulting in a distortion of policy execution [1] Group 2: Legal and Procedural Framework - Anti-fraud measures must adhere to legal frameworks, such as the Anti-Telecom Network Fraud Law, and should not impose additional requirements without legal authorization [2] - Proper procedures must be followed to ensure the public's right to be informed, appeal, and seek redress, with measures being necessary and minimally damaging to public rights and convenience [2] Group 3: Technological Solutions - Technology plays a crucial role in achieving precise anti-fraud measures, with AI and big data providing viable paths for risk assessment and intervention [2] - The shift from broad measures to targeted interventions is essential for balancing security and convenience, allowing for effective fraud prevention while minimizing disruption to the public [2] Group 4: Importance of Public Trust - The effectiveness of anti-fraud work relies on genuine public understanding and support, necessitating a focus on legal principles and precise measures to avoid "collateral damage" [3] - Balancing property security and the protection of legitimate rights is critical for maintaining public trust in anti-fraud initiatives [3]

Group 1 - A young female customer reported unauthorized deductions from her bank account, totaling 4,998 yuan, after unknowingly agreeing to an automatic renewal for a "free sample" on a beauty app [1] - The customer was misled into providing sensitive information, leading to further fraudulent requests for additional payments [1] - The bank's customer service manager acted quickly to freeze the customer's account and advised her on how to report the fraud and gather evidence [1] Group 2 - The customer service manager provided anti-fraud education, emphasizing the importance of canceling automatic renewals and not sharing sensitive information like SMS verification codes [2] - The bank also assisted the customer in downloading the national anti-fraud app and setting up call alerts to enhance her security [2] - The initiative reflects the bank's commitment to customer safety and the dissemination of fraud prevention knowledge [2]

Group 1 - The core message of the news is the importance of enhancing financial security awareness among university students to protect their assets from money laundering and fraud [1][2] - The event titled "Guarding Youth, Staying Away from Money Laundering Traps" was organized by Industrial Bank Urumqi Branch in collaboration with local law enforcement to provide practical financial safety education [1] - The police presented real-life cases of new fraud methods, emphasizing the legal risks associated with lending or renting out bank cards, and advised students to adhere to the "three no's" principle: do not disclose personal information, do not click on unknown links, and do not transfer money blindly [1] Group 2 - An interactive segment featuring a "Rabbit Officer" engaged students, making the atmosphere lively and facilitating learning through case discussions and knowledge quizzes [2] - The bank distributed a "Fraud Prevention Handbook" that includes practical knowledge on common scams and emergency response procedures, serving as a personal safety guide for students [2] - The event combined professional financial knowledge with engaging activities, aiming to educate students and extend the impact to their families and the broader community, thereby promoting a safer campus and stable financial environment [2]