{"content_id":"kqb0r61zop","slug":"financial-fraud-three-types-warning-signs-and-response","locale":"en","schema_type":"Article","category":"knowledge_base","category_name":"Knowledge Base","title":"3 Financial Scam Tactics and How to Respond","summary":"With upfront payments for side jobs, money-transfer jobs, and principal-guaranteed investments, first check how they ask you for money. This explains the limits of small rewards and business registration certificates, how to respond to malicious apps, and the difference between payment suspension and recovery of lost funds.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"Injoys Editorial Team","url":"https://injoys.com/ko/about"},"key_points":["The small reward you receive at first does not prove that a later deposit or investment is safe.","A job that asks you to receive other people's money in your personal account and pass it on may be used for criminal activity.","An agreement guaranteeing the principal and videos of successful investments alone cannot confirm the ability to repay.","If you suspect that a malicious app has been installed, report it using another phone or visit a police station.","Payment suspension and recovery of lost funds are separate procedures, and they do not apply to all scams in the same way."],"content_markdown":"Financial fraud schemes to watch out for include upfront payments for side jobs, money transfer jobs, and principal-guaranteed investments. You cannot determine whether something is safe based only on the first payment you receive. If you have already sent money, contact 112 and the relevant financial company immediately.\n\nThe statistics on illegal fund-raising are based on 2025 data included in the Financial Supervisory Service's March 2026 announcement.\n\n## Comparison of 3 Financial Fraud Schemes\n\nThese three types differ in how they get you to send money or transfer it on someone else's behalf. Check what you are actually being asked to do rather than the title of the advertisement. The categories below provide criteria for reviewing an offer.\n\n| Type | Initial offer | Requests to check | Main risk |\n| --- | --- | --- | --- |\n| Side-job scam | Watching videos, writing reviews, team mission rewards | Deposits, account top-ups, additional payments | Increasing deposit amounts by using rewards as bait |\n| Money transfer job | Easy errands, high pay | Receiving money in a personal account and sending it onward, collecting cash | Involvement in transferring criminal proceeds |\n| Principal-guaranteed investment | New technology business, stable high returns | Sending investment funds, paying additional costs before withdrawal | Refusal to return the investment or disappearance |\n\n## Upfront Payment Requests in Side-Job Scams\n\nSide-job scams demand money before you start working or receive compensation. At first, they may give you simple tasks and actually pay a small amount. They then promise larger rewards and collect deposits or account top-ups.\n\nTeam missions are presented as tasks performed by several people together. They may pressure you to make additional deposits, claiming they are needed to settle payments for the entire team. Sending more money to recover what you have already sent will increase your losses.\n\nThe government's February 2026 guidance also points out the tactic of inducing repeated deposits. This method promises high returns for completing missions. More information is available in the [fraud and smishing prevention guidance](https://m.korea.kr/multi/visualNewsView.do?newsId=148959477).\n\nSide-job advertisements that lead to the sale of courses also require scrutiny of the payment terms. They may exaggerate earnings and then demand a commitment fee or training fee. However, a course cannot be deemed fraudulent simply because it charges a fee.\n\nBefore making a payment, check the following in order.\n\n1. Get the actual work and payment terms in writing.\n2. Check why an upfront payment is required and what the refund terms are.\n3. See whether the income claims in the advertisement have objective evidence.\n4. Stop sending money if you are asked to make an additional deposit to withdraw funds.\n\n## High-Paying Jobs and Requests to Transfer Money\n\nJobs that involve receiving and transferring someone else's money may be used to move criminal proceeds. This means you could become involved in money laundering intended to conceal the source of funds. Check the actual instructions rather than the job title in the recruitment advertisement.\n\nBe particularly wary of instructions to receive customer funds in a personal account. The same applies to work that involves receiving cash from and delivering it to strangers. Verify the company's address and official contact information separately from the advertisement.\n\nThe Korean National Police Agency provides the following guidance on jobs involving money transfers or cash delivery.\n\n\u003e If you engage in any of the following acts, you may be punished as an accomplice\n\nThe source is the Korean National Police Agency's [Voice Phishing: Just Remember This!](https://www.counterscam112.go.kr/campaign/index.html). The guidance also warns against lending or selling bankbooks, cards, and similar items. A referral from an acquaintance alone does not establish that the work is lawful.\n\nCriminal liability is determined by considering how the person became involved and whether they were aware of the crime. Simply saying that it was a part-time job does not eliminate liability. Conversely, it is also inaccurate to conclude that someone will necessarily be punished even if they did not know it was a crime. The relevant factors are explained in [public court research materials](https://file.scourt.go.kr/dcboard/1699925058086_102418.pdf).\n\n| Request | Distinction to make when assessing it | Recommended response |\n| --- | --- | --- |\n| Bank account number for salary deposits | Information that may also be needed for legitimate recruitment | Verify the company and the recruitment first |\n| Receiving customer funds in a personal account | Money transfer work that differs from receiving a salary | Stop and verify any instructions to receive and resend funds |\n| Photo of an ID | The purpose of use and the party collecting it must be checked | Do not send it to an unidentified person in a chat |\n| OTP, password, or verification code | Information used to authorize financial transactions | Do not give it to a recruiter |\n| Collecting cash and delivering it to a stranger | May be used to transfer stolen funds | Stop the work and consult the police |\n\n## Principal-Guaranteed Investments and Illegal Fund-Raising\n\nFor investment offers that promise both principal protection and high returns, first check whether the entity is authorized to raise funds. Collecting funds while promising to return the principal without the required licenses or approvals may constitute illegal fund-raising. Promises in a contract alone do not prove the actual ability to repay.\n\nHydrogen energy, drones, and art tech are also used as themes for investment scams. Videos featuring actors giving investment success stories may be used to build trust. The existence of a website or information session alone does not verify that the business is genuine.\n\nIn 2025, the Financial Supervisory Service referred 26 companies for investigation into illegal fund-raising. Cases disguised as new technologies or new businesses numbered 14, accounting for 53.8%. This must be distinguished from their share of all investment fraud. The figures are available in the [report on the Financial Supervisory Service's March 9, 2026 announcement](https://www.newspim.com/news/view/20260306001167).\n\nCheck the following before deciding whether to invest.\n\n1. Check information on regulated financial companies through the Financial Supervisory Service's FINE.\n2. Check the scope of licenses and approvals required for the business the company claims to conduct.\n3. Verify the offerer's affiliation through the registered company's official contact information.\n4. Get the profit-generating structure and the terms for bearing losses in writing.\n5. Stop sending money if you are asked to send taxes or fees separately before making a withdrawal.\n\nBusiness registration must be distinguished from licenses and approvals for financial services. Also consider the possibility that the name of a registered company has been misused. If the business is unfamiliar, do not send money while leaving anything unexplained.\n\n## Fraud Conducted by Phone and Text Message\n\nVoice phishing and smishing approach victims through different channels to gain their trust. Voice phishing is a method of deceiving people by phone or other means to obtain money or financial information. Smishing uses text messages to induce people to access fake websites or install malicious apps.\n\n| Approach | Subsequent request | How to verify |\n| --- | --- | --- |\n| Impersonating prosecutors, police, or the Financial Supervisory Service | Sending money or delivering cash under the pretext of assisting an investigation | End the call and contact the agency directly |\n| Offering a low-interest loan | Upfront payment of an existing loan balance or deposit | Check through the official channel of the financial company you use |\n| Contact about card delivery or court-registered mail | Calling a fake customer service center or installing an app | Use an official number you found yourself rather than the number provided |\n| Text about a parcel, wedding invitation, or fine | Opening a link or entering personal information | Check through the relevant agency's official app or website |\n| Impersonating family or acquaintances | Urgent money transfer or disclosure of a verification code | Verify separately using the contact information you normally use |\n\nInstructions not to tell your family are intended to prevent outside verification. Scammers may also keep you on the phone to reduce the time available for judgment. Do not follow instructions to hide the reason for a transfer from bank employees.\n\nIt is difficult to determine someone's identity based only on their voice or the phone number displayed on the screen. Guidance also addresses schemes that use AI to manipulate a family member's voice. The source is the Financial Services Commission and Financial Supervisory Service's [February 2026 prevention guidelines](https://www.fsc.go.kr/no010101/86250?curPage=4\u0026srchBeginDt=\u0026srchCtgry=\u0026srchEndDt=%2F\u0026srchKey=\u0026srchText=).\n\n## Common Mistakes When Assessing Fraud\n\nYou must distinguish between facts you have actually verified and what those facts prove. A deposit record shows only that money was received. The following table summarizes the limitations of each type of evidence as criteria for assessment.\n\n| Evidence that is easy to trust | What that evidence alone cannot show | What else to check |\n| --- | --- | --- |\n| A small initial payment | Whether the next deposit will be returned | Why an additional deposit is required |\n| Business registration certificate | Financial licenses and whether investment funds are protected | Actual authorization to conduct the business |\n| Principal guarantee agreement | The company's ability to repay | How the money is held, managed, and returned |\n| Investment success story video | The participant's actual investment performance | Independently verifiable evidence |\n| Settlement proof in a group chat | Whether the participants and proof shown on screen are genuine | A verification channel unrelated to the operator |\n| Caller ID that appears to be an official number | The caller's actual identity | Direct contact using a safe device |\n\nReceiving money at first does not make the next transaction safe. Money already spent cannot justify sending more. Shift your assessment from past rewards to the current request.\n\n## Checking the Source of Money Deposited into Your Account\n\nEven when receiving money, you must check its source and any instructions that follow. Receiving a salary and transferring someone else's funds are different acts. This distinction is particularly important if you are asked to send the money to another account immediately after receiving it.\n\nA deposit you believed was compensation for a side job may also come with a request to send it onward. The other party may claim that the money was sent by mistake and designate a separate account. In such cases, do not transfer the money solely on the instructions of the person you are communicating with.\n\n1. Keep the deposit record and the other party's transfer instructions.\n2. Explain the situation to the official customer service center of the bank that manages the account.\n3. If the money must be returned, follow the procedure verified by the bank.\n4. If you suspect criminal proceeds, report the facts to the police.\n\nThis does not mean that the deposit itself should be deemed a crime. It is a response intended to stop the transfer when the source of the money is unclear. Keeping the job posting and work instructions will also help explain how the situation arose.\n\n## Response Steps by Type of Incident\n\nIf you have already sent money, do not delay reporting the incident until you have finished organizing the evidence. Call 112 for an emergency report. Also notify the relevant financial company about the transfer and request any available measures.\n\n1. **Stop sending additional money.** Do not send withdrawal release fees or loss recovery fees.\n2. **Secure a safe means of communication.** If you suspect a malicious app, use another phone or visit a police station.\n3. **Report the loss to 112.** Immediately ask the financial company whether payment suspension is possible.\n4. **Keep transaction and communication records.** These include account numbers, transfer dates and times, amounts, chats, and advertisement URLs.\n5. **Receive follow-up assistance appropriate to the exposed information.** Explain separately whether financial information and identification documents were exposed.\n\n| Current situation | First action | What to check next |\n| --- | --- | --- |\n| You only received suspicious contact | Stop sending money, installing software, or providing information | Verify the facts through the agency's official contact information |\n| You sent money | Contact 112 and the relevant financial company | Check whether payment suspension and victim compensation procedures apply |\n| You paid by card | Notify the card issuer that the payment involved fraud | Check whether cancellation or dispute resolution is possible |\n| You sent an ID or financial information | Notify the bank of the exposure | Register the personal information exposure and protect authentication methods |\n| You installed a malicious app | Disconnect communications and report it using a safe device | Preserve evidence and follow app removal or factory reset procedures |\n| You transferred money on someone else's behalf | Stop any further work | Submit details of the work and supporting materials to the police |\n\nMalicious apps can intercept even calls made to official numbers. Rechecking only on the phone suspected of having the app is not enough. The Korean National Police Agency's [malicious app response guidance](https://www.counterscam112.go.kr/pdf/bbs002/2/FILE_000000000000081/viewer.do) explains how to disconnect communications and take follow-up action.\n\nPrepare transfer records, messenger conversations, and similar materials when reporting cybercrime. You may be asked to visit a police station even after submitting an online report. Specific submission instructions are available through the [Korean National Police Agency ECRM](https://ecrm.police.go.kr/minwon/main).\n\n## Difference Between Payment Suspension and Refund of Losses\n\nPayment suspension does not guarantee the return of stolen funds. It is a procedure that prevents money from being withdrawn from an account. The actual refund depends on the applicable requirements, the remaining amount of stolen funds, and other factors.\n\n| Category | Purpose | What to check |\n| --- | --- | --- |\n| Payment suspension | Restricting withdrawals and transfers from an account used for fraud | Whether the case and account are covered |\n| Refund of losses | Returning stolen funds under statutory procedures | Remaining funds and the recognized scope of the loss |\n| Police report | Investigation of criminal conduct | A report alone does not guarantee a refund |\n| Card payment dispute | Reviewing the possibility of cancellation or compensation | Handled separately from payment suspension for an account |\n\nThere are limits on applying the law to fraud disguised as transactions for goods or services. However, applicability also cannot be determined solely because the scheme is called a team mission. Explain to the financial company and the police how you sent the money and how the transaction was structured.\n\n[Article 2 of the Telecommunications Fraud Damage Refund Act](https://law.go.kr/LSW/lsLinkCommonInfo.do?lsJoLnkSeq=1025193763) on the Korean Law Information Center defines the scope. A [related Supreme Court ruling](https://www.law.go.kr/LSW/precInfoP.do?precSeq=241879) also considers the substance of the transaction. Call 112 for emergency reports and the Financial Supervisory Service at 1332 for financial consultations.","content_html":"\u003cp\u003eFinancial fraud schemes to watch out for include upfront payments for side jobs, money transfer jobs, and principal-guaranteed investments. You cannot determine whether something is safe based only on the first payment you receive. If you have already sent money, contact 112 and the relevant financial company immediately.\u003c/p\u003e\n\u003cp\u003eThe statistics on illegal fund-raising are based on 2025 data included in the Financial Supervisory Service's March 2026 announcement.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparison-of-3-financial-fraud-schemes\" class=\"anchor\" id=\"comparison-of-3-financial-fraud-schemes\"\u003e\u003c/a\u003eComparison of 3 Financial Fraud Schemes\u003c/h2\u003e\n\u003cp\u003eThese three types differ in how they get you to send money or transfer it on someone else's behalf. Check what you are actually being asked to do rather than the title of the advertisement. The categories below provide criteria for reviewing an offer.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eType\u003c/th\u003e\n\u003cth\u003eInitial offer\u003c/th\u003e\n\u003cth\u003eRequests to check\u003c/th\u003e\n\u003cth\u003eMain risk\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Type\"\u003eSide-job scam\u003c/td\u003e\n\u003ctd data-label=\"Initial offer\"\u003eWatching videos, writing reviews, team mission rewards\u003c/td\u003e\n\u003ctd data-label=\"Requests to check\"\u003eDeposits, account top-ups, additional payments\u003c/td\u003e\n\u003ctd data-label=\"Main risk\"\u003eIncreasing deposit amounts by using rewards as bait\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Type\"\u003eMoney transfer job\u003c/td\u003e\n\u003ctd data-label=\"Initial offer\"\u003eEasy errands, high pay\u003c/td\u003e\n\u003ctd data-label=\"Requests to check\"\u003eReceiving money in a personal account and sending it onward, collecting cash\u003c/td\u003e\n\u003ctd data-label=\"Main risk\"\u003eInvolvement in transferring criminal proceeds\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Type\"\u003ePrincipal-guaranteed investment\u003c/td\u003e\n\u003ctd data-label=\"Initial offer\"\u003eNew technology business, stable high returns\u003c/td\u003e\n\u003ctd data-label=\"Requests to check\"\u003eSending investment funds, paying additional costs before withdrawal\u003c/td\u003e\n\u003ctd data-label=\"Main risk\"\u003eRefusal to return the investment or disappearance\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\n\u003ca href=\"#upfront-payment-requests-in-side-job-scams\" class=\"anchor\" id=\"upfront-payment-requests-in-side-job-scams\"\u003e\u003c/a\u003eUpfront Payment Requests in Side-Job Scams\u003c/h2\u003e\n\u003cp\u003eSide-job scams demand money before you start working or receive compensation. At first, they may give you simple tasks and actually pay a small amount. They then promise larger rewards and collect deposits or account top-ups.\u003c/p\u003e\n\u003cp\u003eTeam missions are presented as tasks performed by several people together. They may pressure you to make additional deposits, claiming they are needed to settle payments for the entire team. Sending more money to recover what you have already sent will increase your losses.\u003c/p\u003e\n\u003cp\u003eThe government's February 2026 guidance also points out the tactic of inducing repeated deposits. This method promises high returns for completing missions. More information is available in the \u003ca href=\"https://m.korea.kr/multi/visualNewsView.do?newsId=148959477\"\u003efraud and smishing prevention guidance\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eSide-job advertisements that lead to the sale of courses also require scrutiny of the payment terms. They may exaggerate earnings and then demand a commitment fee or training fee. However, a course cannot be deemed fraudulent simply because it charges a fee.\u003c/p\u003e\n\u003cp\u003eBefore making a payment, check the following in order.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eGet the actual work and payment terms in writing.\u003c/li\u003e\n\u003cli\u003eCheck why an upfront payment is required and what the refund terms are.\u003c/li\u003e\n\u003cli\u003eSee whether the income claims in the advertisement have objective evidence.\u003c/li\u003e\n\u003cli\u003eStop sending money if you are asked to make an additional deposit to withdraw funds.\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2\u003e\n\u003ca href=\"#high-paying-jobs-and-requests-to-transfer-money\" class=\"anchor\" id=\"high-paying-jobs-and-requests-to-transfer-money\"\u003e\u003c/a\u003eHigh-Paying Jobs and Requests to Transfer Money\u003c/h2\u003e\n\u003cp\u003eJobs that involve receiving and transferring someone else's money may be used to move criminal proceeds. This means you could become involved in money laundering intended to conceal the source of funds. Check the actual instructions rather than the job title in the recruitment advertisement.\u003c/p\u003e\n\u003cp\u003eBe particularly wary of instructions to receive customer funds in a personal account. The same applies to work that involves receiving cash from and delivering it to strangers. Verify the company's address and official contact information separately from the advertisement.\u003c/p\u003e\n\u003cp\u003eThe Korean National Police Agency provides the following guidance on jobs involving money transfers or cash delivery.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eIf you engage in any of the following acts, you may be punished as an accomplice\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThe source is the Korean National Police Agency's \u003ca href=\"https://www.counterscam112.go.kr/campaign/index.html\"\u003eVoice Phishing: Just Remember This!\u003c/a\u003e. The guidance also warns against lending or selling bankbooks, cards, and similar items. A referral from an acquaintance alone does not establish that the work is lawful.\u003c/p\u003e\n\u003cp\u003eCriminal liability is determined by considering how the person became involved and whether they were aware of the crime. Simply saying that it was a part-time job does not eliminate liability. Conversely, it is also inaccurate to conclude that someone will necessarily be punished even if they did not know it was a crime. The relevant factors are explained in \u003ca href=\"https://file.scourt.go.kr/dcboard/1699925058086_102418.pdf\"\u003epublic court research materials\u003c/a\u003e.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eRequest\u003c/th\u003e\n\u003cth\u003eDistinction to make when assessing it\u003c/th\u003e\n\u003cth\u003eRecommended response\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Request\"\u003eBank account number for salary deposits\u003c/td\u003e\n\u003ctd data-label=\"Distinction to make when assessing it\"\u003eInformation that may also be needed for legitimate recruitment\u003c/td\u003e\n\u003ctd data-label=\"Recommended response\"\u003eVerify the company and the recruitment first\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Request\"\u003eReceiving customer funds in a personal account\u003c/td\u003e\n\u003ctd data-label=\"Distinction to make when assessing it\"\u003eMoney transfer work that differs from receiving a salary\u003c/td\u003e\n\u003ctd data-label=\"Recommended response\"\u003eStop and verify any instructions to receive and resend funds\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Request\"\u003ePhoto of an ID\u003c/td\u003e\n\u003ctd data-label=\"Distinction to make when assessing it\"\u003eThe purpose of use and the party collecting it must be checked\u003c/td\u003e\n\u003ctd data-label=\"Recommended response\"\u003eDo not send it to an unidentified person in a chat\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Request\"\u003eOTP, password, or verification code\u003c/td\u003e\n\u003ctd data-label=\"Distinction to make when assessing it\"\u003eInformation used to authorize financial transactions\u003c/td\u003e\n\u003ctd data-label=\"Recommended response\"\u003eDo not give it to a recruiter\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Request\"\u003eCollecting cash and delivering it to a stranger\u003c/td\u003e\n\u003ctd data-label=\"Distinction to make when assessing it\"\u003eMay be used to transfer stolen funds\u003c/td\u003e\n\u003ctd data-label=\"Recommended response\"\u003eStop the work and consult the police\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\n\u003ca href=\"#principal-guaranteed-investments-and-illegal-fund-raising\" class=\"anchor\" id=\"principal-guaranteed-investments-and-illegal-fund-raising\"\u003e\u003c/a\u003ePrincipal-Guaranteed Investments and Illegal Fund-Raising\u003c/h2\u003e\n\u003cp\u003eFor investment offers that promise both principal protection and high returns, first check whether the entity is authorized to raise funds. Collecting funds while promising to return the principal without the required licenses or approvals may constitute illegal fund-raising. Promises in a contract alone do not prove the actual ability to repay.\u003c/p\u003e\n\u003cp\u003eHydrogen energy, drones, and art tech are also used as themes for investment scams. Videos featuring actors giving investment success stories may be used to build trust. The existence of a website or information session alone does not verify that the business is genuine.\u003c/p\u003e\n\u003cp\u003eIn 2025, the Financial Supervisory Service referred 26 companies for investigation into illegal fund-raising. Cases disguised as new technologies or new businesses numbered 14, accounting for 53.8%. This must be distinguished from their share of all investment fraud. The figures are available in the \u003ca href=\"https://www.newspim.com/news/view/20260306001167\"\u003ereport on the Financial Supervisory Service's March 9, 2026 announcement\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eCheck the following before deciding whether to invest.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck information on regulated financial companies through the Financial Supervisory Service's FINE.\u003c/li\u003e\n\u003cli\u003eCheck the scope of licenses and approvals required for the business the company claims to conduct.\u003c/li\u003e\n\u003cli\u003eVerify the offerer's affiliation through the registered company's official contact information.\u003c/li\u003e\n\u003cli\u003eGet the profit-generating structure and the terms for bearing losses in writing.\u003c/li\u003e\n\u003cli\u003eStop sending money if you are asked to send taxes or fees separately before making a withdrawal.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eBusiness registration must be distinguished from licenses and approvals for financial services. Also consider the possibility that the name of a registered company has been misused. If the business is unfamiliar, do not send money while leaving anything unexplained.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#fraud-conducted-by-phone-and-text-message\" class=\"anchor\" id=\"fraud-conducted-by-phone-and-text-message\"\u003e\u003c/a\u003eFraud Conducted by Phone and Text Message\u003c/h2\u003e\n\u003cp\u003eVoice phishing and smishing approach victims through different channels to gain their trust. Voice phishing is a method of deceiving people by phone or other means to obtain money or financial information. Smishing uses text messages to induce people to access fake websites or install malicious apps.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eApproach\u003c/th\u003e\n\u003cth\u003eSubsequent request\u003c/th\u003e\n\u003cth\u003eHow to verify\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Approach\"\u003eImpersonating prosecutors, police, or the Financial Supervisory Service\u003c/td\u003e\n\u003ctd data-label=\"Subsequent request\"\u003eSending money or delivering cash under the pretext of assisting an investigation\u003c/td\u003e\n\u003ctd data-label=\"How to verify\"\u003eEnd the call and contact the agency directly\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Approach\"\u003eOffering a low-interest loan\u003c/td\u003e\n\u003ctd data-label=\"Subsequent request\"\u003eUpfront payment of an existing loan balance or deposit\u003c/td\u003e\n\u003ctd data-label=\"How to verify\"\u003eCheck through the official channel of the financial company you use\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Approach\"\u003eContact about card delivery or court-registered mail\u003c/td\u003e\n\u003ctd data-label=\"Subsequent request\"\u003eCalling a fake customer service center or installing an app\u003c/td\u003e\n\u003ctd data-label=\"How to verify\"\u003eUse an official number you found yourself rather than the number provided\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Approach\"\u003eText about a parcel, wedding invitation, or fine\u003c/td\u003e\n\u003ctd data-label=\"Subsequent request\"\u003eOpening a link or entering personal information\u003c/td\u003e\n\u003ctd data-label=\"How to verify\"\u003eCheck through the relevant agency's official app or website\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Approach\"\u003eImpersonating family or acquaintances\u003c/td\u003e\n\u003ctd data-label=\"Subsequent request\"\u003eUrgent money transfer or disclosure of a verification code\u003c/td\u003e\n\u003ctd data-label=\"How to verify\"\u003eVerify separately using the contact information you normally use\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eInstructions not to tell your family are intended to prevent outside verification. Scammers may also keep you on the phone to reduce the time available for judgment. Do not follow instructions to hide the reason for a transfer from bank employees.\u003c/p\u003e\n\u003cp\u003eIt is difficult to determine someone's identity based only on their voice or the phone number displayed on the screen. Guidance also addresses schemes that use AI to manipulate a family member's voice. The source is the Financial Services Commission and Financial Supervisory Service's \u003ca href=\"https://www.fsc.go.kr/no010101/86250?curPage=4\u0026amp;srchBeginDt=\u0026amp;srchCtgry=\u0026amp;srchEndDt=%2F\u0026amp;srchKey=\u0026amp;srchText=\"\u003eFebruary 2026 prevention guidelines\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-mistakes-when-assessing-fraud\" class=\"anchor\" id=\"common-mistakes-when-assessing-fraud\"\u003e\u003c/a\u003eCommon Mistakes When Assessing Fraud\u003c/h2\u003e\n\u003cp\u003eYou must distinguish between facts you have actually verified and what those facts prove. A deposit record shows only that money was received. The following table summarizes the limitations of each type of evidence as criteria for assessment.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eEvidence that is easy to trust\u003c/th\u003e\n\u003cth\u003eWhat that evidence alone cannot show\u003c/th\u003e\n\u003cth\u003eWhat else to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Evidence that is easy to trust\"\u003eA small initial payment\u003c/td\u003e\n\u003ctd data-label=\"What that evidence alone cannot show\"\u003eWhether the next deposit will be returned\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eWhy an additional deposit is required\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Evidence that is easy to trust\"\u003eBusiness registration certificate\u003c/td\u003e\n\u003ctd data-label=\"What that evidence alone cannot show\"\u003eFinancial licenses and whether investment funds are protected\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eActual authorization to conduct the business\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Evidence that is easy to trust\"\u003ePrincipal guarantee agreement\u003c/td\u003e\n\u003ctd data-label=\"What that evidence alone cannot show\"\u003eThe company's ability to repay\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eHow the money is held, managed, and returned\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Evidence that is easy to trust\"\u003eInvestment success story video\u003c/td\u003e\n\u003ctd data-label=\"What that evidence alone cannot show\"\u003eThe participant's actual investment performance\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eIndependently verifiable evidence\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Evidence that is easy to trust\"\u003eSettlement proof in a group chat\u003c/td\u003e\n\u003ctd data-label=\"What that evidence alone cannot show\"\u003eWhether the participants and proof shown on screen are genuine\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eA verification channel unrelated to the operator\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Evidence that is easy to trust\"\u003eCaller ID that appears to be an official number\u003c/td\u003e\n\u003ctd data-label=\"What that evidence alone cannot show\"\u003eThe caller's actual identity\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eDirect contact using a safe device\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eReceiving money at first does not make the next transaction safe. Money already spent cannot justify sending more. Shift your assessment from past rewards to the current request.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#checking-the-source-of-money-deposited-into-your-account\" class=\"anchor\" id=\"checking-the-source-of-money-deposited-into-your-account\"\u003e\u003c/a\u003eChecking the Source of Money Deposited into Your Account\u003c/h2\u003e\n\u003cp\u003eEven when receiving money, you must check its source and any instructions that follow. Receiving a salary and transferring someone else's funds are different acts. This distinction is particularly important if you are asked to send the money to another account immediately after receiving it.\u003c/p\u003e\n\u003cp\u003eA deposit you believed was compensation for a side job may also come with a request to send it onward. The other party may claim that the money was sent by mistake and designate a separate account. In such cases, do not transfer the money solely on the instructions of the person you are communicating with.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eKeep the deposit record and the other party's transfer instructions.\u003c/li\u003e\n\u003cli\u003eExplain the situation to the official customer service center of the bank that manages the account.\u003c/li\u003e\n\u003cli\u003eIf the money must be returned, follow the procedure verified by the bank.\u003c/li\u003e\n\u003cli\u003eIf you suspect criminal proceeds, report the facts to the police.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThis does not mean that the deposit itself should be deemed a crime. It is a response intended to stop the transfer when the source of the money is unclear. Keeping the job posting and work instructions will also help explain how the situation arose.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#response-steps-by-type-of-incident\" class=\"anchor\" id=\"response-steps-by-type-of-incident\"\u003e\u003c/a\u003eResponse Steps by Type of Incident\u003c/h2\u003e\n\u003cp\u003eIf you have already sent money, do not delay reporting the incident until you have finished organizing the evidence. Call 112 for an emergency report. Also notify the relevant financial company about the transfer and request any available measures.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eStop sending additional money.\u003c/strong\u003e Do not send withdrawal release fees or loss recovery fees.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSecure a safe means of communication.\u003c/strong\u003e If you suspect a malicious app, use another phone or visit a police station.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReport the loss to 112.\u003c/strong\u003e Immediately ask the financial company whether payment suspension is possible.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eKeep transaction and communication records.\u003c/strong\u003e These include account numbers, transfer dates and times, amounts, chats, and advertisement URLs.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReceive follow-up assistance appropriate to the exposed information.\u003c/strong\u003e Explain separately whether financial information and identification documents were exposed.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCurrent situation\u003c/th\u003e\n\u003cth\u003eFirst action\u003c/th\u003e\n\u003cth\u003eWhat to check next\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou only received suspicious contact\u003c/td\u003e\n\u003ctd data-label=\"First action\"\u003eStop sending money, installing software, or providing information\u003c/td\u003e\n\u003ctd data-label=\"What to check next\"\u003eVerify the facts through the agency's official contact information\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou sent money\u003c/td\u003e\n\u003ctd data-label=\"First action\"\u003eContact 112 and the relevant financial company\u003c/td\u003e\n\u003ctd data-label=\"What to check next\"\u003eCheck whether payment suspension and victim compensation procedures apply\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou paid by card\u003c/td\u003e\n\u003ctd data-label=\"First action\"\u003eNotify the card issuer that the payment involved fraud\u003c/td\u003e\n\u003ctd data-label=\"What to check next\"\u003eCheck whether cancellation or dispute resolution is possible\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou sent an ID or financial information\u003c/td\u003e\n\u003ctd data-label=\"First action\"\u003eNotify the bank of the exposure\u003c/td\u003e\n\u003ctd data-label=\"What to check next\"\u003eRegister the personal information exposure and protect authentication methods\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou installed a malicious app\u003c/td\u003e\n\u003ctd data-label=\"First action\"\u003eDisconnect communications and report it using a safe device\u003c/td\u003e\n\u003ctd data-label=\"What to check next\"\u003ePreserve evidence and follow app removal or factory reset procedures\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eYou transferred money on someone else's behalf\u003c/td\u003e\n\u003ctd data-label=\"First action\"\u003eStop any further work\u003c/td\u003e\n\u003ctd data-label=\"What to check next\"\u003eSubmit details of the work and supporting materials to the police\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eMalicious apps can intercept even calls made to official numbers. Rechecking only on the phone suspected of having the app is not enough. The Korean National Police Agency's \u003ca href=\"https://www.counterscam112.go.kr/pdf/bbs002/2/FILE_000000000000081/viewer.do\"\u003emalicious app response guidance\u003c/a\u003e explains how to disconnect communications and take follow-up action.\u003c/p\u003e\n\u003cp\u003ePrepare transfer records, messenger conversations, and similar materials when reporting cybercrime. You may be asked to visit a police station even after submitting an online report. Specific submission instructions are available through the \u003ca href=\"https://ecrm.police.go.kr/minwon/main\"\u003eKorean National Police Agency ECRM\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#difference-between-payment-suspension-and-refund-of-losses\" class=\"anchor\" id=\"difference-between-payment-suspension-and-refund-of-losses\"\u003e\u003c/a\u003eDifference Between Payment Suspension and Refund of Losses\u003c/h2\u003e\n\u003cp\u003ePayment suspension does not guarantee the return of stolen funds. It is a procedure that prevents money from being withdrawn from an account. The actual refund depends on the applicable requirements, the remaining amount of stolen funds, and other factors.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003ePurpose\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003ePayment suspension\u003c/td\u003e\n\u003ctd data-label=\"Purpose\"\u003eRestricting withdrawals and transfers from an account used for fraud\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether the case and account are covered\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eRefund of losses\u003c/td\u003e\n\u003ctd data-label=\"Purpose\"\u003eReturning stolen funds under statutory procedures\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eRemaining funds and the recognized scope of the loss\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003ePolice report\u003c/td\u003e\n\u003ctd data-label=\"Purpose\"\u003eInvestigation of criminal conduct\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eA report alone does not guarantee a refund\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eCard payment dispute\u003c/td\u003e\n\u003ctd data-label=\"Purpose\"\u003eReviewing the possibility of cancellation or compensation\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eHandled separately from payment suspension for an account\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThere are limits on applying the law to fraud disguised as transactions for goods or services. However, applicability also cannot be determined solely because the scheme is called a team mission. Explain to the financial company and the police how you sent the money and how the transaction was structured.\u003c/p\u003e\n\u003cp\u003e\u003ca href=\"https://law.go.kr/LSW/lsLinkCommonInfo.do?lsJoLnkSeq=1025193763\"\u003eArticle 2 of the Telecommunications Fraud Damage Refund Act\u003c/a\u003e on the Korean Law Information Center defines the scope. A \u003ca href=\"https://www.law.go.kr/LSW/precInfoP.do?precSeq=241879\"\u003erelated Supreme Court ruling\u003c/a\u003e also considers the substance of the transaction. Call 112 for emergency reports and the Financial Supervisory Service at 1332 for financial consultations.\u003c/p\u003e\n","tags":["Voice phishing","Investment","Personal data protection","Everyday Finance"],"faqs":[{"question":"If I actually received money at first, does that mean it is a safe side job?","answer":"Safety cannot be judged based only on a small reward. After gaining your trust, they may encourage you to deposit a larger amount under the pretext of a security deposit or account top-up."},{"question":"Can I trust other people's payout confirmations in a team mission?","answer":"Group chat confirmations alone cannot verify the authenticity of the participants and transactions. Even if they ask you to deposit more money because others have received payouts, stop sending money and verify the situation."},{"question":"Are all paid side-job courses scams?","answer":"A course is not a scam merely because it charges a fee. You must separately check the basis for the earnings claims, the course content, the payment terms, and the refund policy."},{"question":"Is it risky even to provide my bank account number to get paid?","answer":"Legitimate employers may also need your bank account number to deposit your wages. You must distinguish this from a request to receive customers' money in your personal account and then transfer it elsewhere. Do not give a recruiter your OTP or financial transaction password."},{"question":"Can I be punished even if I deliver cash without knowing it is voice phishing?","answer":"Whether you are punished is determined by factors such as how you became involved and whether you were aware of the crime. Saying it was a part-time job does not eliminate your responsibility. If you become suspicious, stop the work and keep the job posting and instructions."},{"question":"Can I invest if the company has a business registration certificate?","answer":"Business registration alone does not confirm that the company is licensed or authorized to conduct financial business or that the investment funds are protected. You must separately verify its actual authorization to operate and the affiliation of the person making the offer."},{"question":"Can I get my money back if the contract says that the principal is guaranteed?","answer":"Contract language does not guarantee an actual ability to repay. You must check whether the company is authorized to raise funds and how the funds will be returned. Be wary of requests to transfer additional fees to make a withdrawal."},{"question":"What does the figure stating that new technology investment scams account for 53.8% mean?","answer":"It is the proportion represented by the 14 cases involving schemes disguised as new technologies or new businesses among the 26 companies that the Financial Supervisory Service referred for investigation into illegal fundraising in 2025. It should not be interpreted as the proportion of all investment scams."},{"question":"How should I report a suspicious app after installing it?","answer":"Call 112 from another phone or visit a police station. On a device with a malicious app installed, even calls to official numbers may be intercepted. Follow guidance from the police or other authorities on preserving evidence and cleaning up the device."},{"question":"What should I do if someone asks me to send money deposited into my account to another account?","answer":"Do not immediately send it to the account specified by the other party. Keep the deposit record and details of the request, then explain the situation to your bank's official customer service center. If the money must be returned, follow the procedure verified by the bank."},{"question":"If I report fraud, are a payment freeze and reimbursement automatic?","answer":"They are not automatically guaranteed. You must separately check whether a payment freeze applies and whether the requirements for reimbursement of the stolen funds are met. The applicability to side-job and investment scams may also vary depending on the transaction structure."},{"question":"What materials are needed to report the fraud?","answer":"Keep the transfer records, the other party's account number, messenger conversations, the advertisement URL, and the work instructions. Additional materials such as identification may be required to file a police report. Do not delay an emergency report until you have gathered all the materials."},{"question":"Should I contact 112 or the Financial Supervisory Service at 1332?","answer":"If fraud or a money transfer scam is currently in progress, report it first to 112 and the relevant financial institution. For financial advice, contact the Financial Supervisory Service at 1332. Simply seeking advice or filing a report does not guarantee the return of the funds lost."}],"sources":[{"url":"https://m.korea.kr/multi/visualNewsView.do?newsId=148959477","title":"Korea Media and Communications Commission · Korea Policy Briefing, Guidance on Preventing Fraud and Smishing During the Lunar New Year Holiday, February 12, 2026","type":"source"},{"url":"https://www.counterscam112.go.kr/campaign/index.html","title":"National Police Agency Phishing Safety SOS, Voice Phishing: Remember Just This!","type":"source"},{"url":"https://www.idblife.com/support/protect/consumer_protect_view?page=1\u0026seq=27760313\u0026viewNum=2","title":"Financial Supervisory Service Consumer Alert No. 2026-8, Beware of High-Return, Principal-Guaranteed Investment Fraud, as Posted by DB Life Insurance","type":"source"},{"url":"https://www.newspim.com/news/view/20260306001167","title":"NewsPim, Report on the Financial Supervisory Service's Consumer Alert on Illegal Fundraising and the 2025 Tally of Referrals for Investigation, March 9, 2026","type":"data_point"},{"url":"https://www.fsc.go.kr/no010101/86250?curPage=4\u0026srchBeginDt=\u0026srchCtgry=\u0026srchEndDt=%2F\u0026srchKey=\u0026srchText=","title":"Financial Services Commission · Financial Supervisory Service, 10 Rules for Preventing Voice Phishing Losses, February 10, 2026","type":"source"},{"url":"https://www.counterscam112.go.kr/pdf/bbs002/2/FILE_000000000000081/viewer.do","title":"National Police Agency, The Trap of Gaslighting in Telephone Financial Fraud That Is Becoming Ever More Convincing, January 22, 2025","type":"source"},{"url":"https://file.scourt.go.kr/dcboard/1699925058086_102418.pdf","title":"Kim Seung-hyun, An Examination, Through the Offense of Aiding and Abetting a Violation of the Act on Real Name Financial Transactions and Confidentiality in Connection with Telecommunications Financial Fraud, of Evasion of the Law Under Criminal Law and Intent to Aid and Abet a Purpose Crime","type":"source"},{"url":"https://ecrm.police.go.kr/minwon/main","title":"National Police Agency Cybercrime Reporting System ECRM, Materials to Prepare and Filing Instructions","type":"source"},{"url":"https://law.go.kr/LSW/lsLinkCommonInfo.do?lsJoLnkSeq=1025193763","title":"National Law Information Center, Article 2 of the Telecommunications Fraud Damage Refund Act: Definition of Telecommunications Financial Fraud","type":"source"},{"url":"https://www.law.go.kr/LSW/precInfoP.do?precSeq=241879","title":"National Law Information Center, Supreme Court Ruling on the Scope of Acts Disguised as Transactions for Goods or Services","type":"source"}],"images":[{"id":1397,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjAxMzUsInB1ciI6ImJsb2JfaWQifX0=--b011100128893f874927de0b3d37d4fb97bc9d74/ai-b4abd434.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"은행 창구에서 서류를 앞에 두고 유선전화로 상담하는 여성","caption":"한 여성이 은행 창구에서 서류를 확인하며 전화 상담을 받고 있다.","description":null},"en":{"alt":"Woman speaking on a landline at a bank counter with documents and a smartphone","caption":"A woman reviews paperwork while speaking on the phone at a bank counter.","description":null},"ja":{"alt":"銀行窓口で書類を前に固定電話で相談する女性","caption":"女性が銀行窓口で書類を確認しながら電話で相談している。","description":null},"es":{"alt":"Mujer hablando por teléfono en un mostrador bancario con documentos y un móvil","caption":"Una mujer revisa documentos mientras habla por teléfono en un mostrador bancario.","description":null},"id":{"alt":"Perempuan menelepon di meja layanan bank dengan dokumen dan ponsel","caption":"Seorang perempuan memeriksa dokumen sambil berkonsultasi melalui telepon di bank.","description":null},"pt":{"alt":"Mulher falando ao telefone em um balcão bancário com documentos e celular","caption":"Uma mulher confere documentos enquanto fala ao telefone em um balcão bancário.","description":null},"zh-hant":{"alt":"女子在銀行櫃檯前查看文件並使用市內電話諮詢","caption":"一名女子在銀行櫃檯核對文件並透過電話諮詢。","description":null},"de":{"alt":"Frau telefoniert am Bankschalter neben Unterlagen und einem Smartphone","caption":"Eine Frau prüft am Bankschalter Unterlagen und lässt sich telefonisch beraten.","description":null}}},{"id":1398,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjAxNDEsInB1ciI6ImJsb2JfaWQifX0=--262f964bd944ad79ca1e3f5db530dad156e582ab/ai-8ca30bf9.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"은행 창구에서 전화 상담을 하며 스마트폰을 가리키는 여성과 차단·복구 기호","caption":"한 여성이 은행 직원과 금융 문제에 대응하며 전화로 상담하고 있다.","description":null},"en":{"alt":"Woman on a phone pointing to her smartphone at a bank counter beside block and recovery symbols","caption":"A woman consults a bank employee by phone while addressing a financial issue.","description":null},"ja":{"alt":"銀行窓口で電話をしながらスマートフォンを指す女性と遮断・復旧の記号","caption":"女性が金融上の問題に対応するため、銀行員の前で電話相談をしている。","description":null},"es":{"alt":"Mujer al teléfono señala su móvil en un banco junto a símbolos de bloqueo y recuperación","caption":"Una mujer consulta por teléfono ante una empleada bancaria para resolver un problema financiero.","description":null},"id":{"alt":"Perempuan menelepon sambil menunjuk ponsel di konter bank, dengan simbol blokir dan pemulihan","caption":"Seorang perempuan berkonsultasi melalui telepon dengan petugas bank untuk menangani masalah keuangan.","description":null},"pt":{"alt":"Mulher ao telefone aponta para o celular em banco, ao lado de símbolos de bloqueio e recuperação","caption":"Uma mulher consulta por telefone uma funcionária do banco para resolver um problema financeiro.","description":null},"zh-hant":{"alt":"女子在銀行櫃檯通話並指著手機，旁有阻擋與復原符號","caption":"女子在銀行職員面前透過電話諮詢，以處理金融問題。","description":null},"de":{"alt":"Telefonierende Frau zeigt am Bankschalter auf ihr Smartphone neben Sperr- und Wiederherstellungssymbolen","caption":"Eine Frau berät sich telefonisch vor einer Bankmitarbeiterin, um ein Finanzproblem zu klären.","description":null}}}],"published_at":"2026-09-19T19:03:00+09:00","updated_at":"2026-09-19T19:03:00+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://injoys.com/en/articles/financial-fraud-three-types-warning-signs-and-response"}