Last reviewed: · Curated by Ohmyfin Organisation editorial.
Business Email Compromise (BEC / CEO Fraud): A scammer impersonates a CEO, supplier or executive (often by spoofing or hacking the real email account) and instructs the finance team to wire money urgently to a "new account". The wire goes to the scammer.
How the scam works: A scammer impersonates a CEO, supplier or executive (often by spoofing or hacking the real email account) and instructs the finance team to wire money urgently to a "new account". The wire goes to the scammer.
Many of these scams rely on victims trusting a forged MT103 / pacs.008 PDF without verifying. Ohmyfin lets anyone — for free, with no bank login — look up any UETR in seconds. If a "proof of payment" UETR cannot be found by Ohmyfin, the document is almost certainly fraudulent.
If you believe you have been targeted by this scam, report immediately to: (a) your bank's fraud line, (b) the receiving bank's fraud line, (c) your local police / financial regulator (FBI IC3 in the US, Action Fraud in the UK, AFP in Australia, Europol in Europe).
A scammer impersonates a CEO, supplier or executive (often by spoofing or hacking the real email account) and instructs the finance team to wire money urgently to a "new account". The wire goes to the scammer.
Most SWIFT-payment scams rely on victims accepting a forged MT103 or pacs.008 PDF without verifying. Paste the UETR from any "proof of payment" into the Ohmyfin homepage tracker — if the UETR cannot be located in the SWIFT network, the document is almost certainly fake.
Contact your bank's fraud line immediately, then your local financial regulator and police. For cross-border fraud, file with the FBI IC3 (US), Action Fraud (UK), the AFP (Australia), or Europol (EU).
Sometimes. Contact your bank within hours and request a SWIFT recall. Success rates are highest when reported within 24h. After several days the funds are usually unrecoverable.
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