EVERY YEAR THOUSAND OF PEOPLE BECOME TIMES HOLIDAY SCAMS.

ONLINE HOLIDAY SHOPPING, NEARLY EVERYONE, ALL OF US POTENTIAL TARGETS FOR CYBERS TO DEFRAUD OF HARD EARNED MONEY AND STEAL PERSONAL INFORMATION.

HEAR FROM CYBER SECURITY EXPERTS.

LAW ENFORCEMENT OFFICERS AND BUSINESS PROFESSIONALS.

WHAT YOU CAN GROW PROTECT YOURSELF AGAINST HOLIDAY SCAMS NEXT ON INSIGHTS ON PBS HAWAII.

ALOHA AND WELCOME TO INSIGHTS ON PBS HAWAII.

I’M YUNJI DE NIES.

THE HOLIDAYS ARE HERE.

SHOPPING CENTERS AND HOMES ARE ADORNED WITH DECORATIONS AND EVERYWHERE YOU LOOK ONLINE THERE ARE ADVERTISEMENTS FOR SPECTACULAR DEALS FOR ITEMS ON EVERYONE’S WISH LIST.

HACKERS AND CYBER CRIMINALS ARE BUSIER THAN EVER TRYING TO TAKE ADVANTAGE OF ONLINE SHOPPERS AND DEAL‑SEEKERS.

FRAUDULENT GIVEAWAYS, CHARITIES AND TO‑GOOD‑TO‑BE‑TRUE OFFERS ARE A FEW OF THE METHODS CYBER CRIMINALS USE TO STEAL PERSONAL INFORMATION AND MONEY FROM UNSUSPECTING VICTIMS.

TONIGHT WE WILL TALK WITH BUSINESS, TECHNOLOGY, AND LAW ENFORCEMENT EXPERTS ABOUT WHAT YOU CAN DO TO PROTECT YOURSELF FROM SCAMMERS THIS HOLIDAY SEASON.

WE LOOK FORWARD TO YOUR PARTICIPATION IN TONIGHT'S SHOW.

YOU CAN EMAIL US OR CALL US WITH YOUR QUESTIONS.

WE ALSO ENCOURAGE YOU TO GET INVOLVED WITH THE CONVERSATION ON OUR FACEBOOK PAGE.

NOW TO OUR GUESTS.

ATTILA SERESS IS THE PRESIDENT AND CEO OF CYPAC, A CYBERSECURITY AND IT INFRASTRUCTURE MANAGEMENT FIRM THAT WORKS TO SAFEGUARD ORGANIZATIONS FROM CYBER THREATS.

HE ALSO WRITES AN ONLINE BULLETIN THAT WARNS CONSUMERS AND BUSINESSES ABOUT THE LATEST CYBER SCAMS.

RADJI TOLENTINO IS AN ENFORCEMENT ATTORNEY WITH THE STATE OFFICE OF CONSUMER PROTECTION AT THE DEPARTMENT OF COMMERCE AND CONSUMER AFFAIRS.

HIS OFFICE IS THE AGENCY RESPONSIBLE FOR INVESTIGATING AND PROSECUTING UNFAIR OR DECEPTIVE TRADE PRACTICES.

ROSEANN FREITAS IS A PUBLIC RELATIONS AND COMMUNICATIONS MANAGER FOR THE BETTER BUSINESS BUREAU GREAT WEST AND PACIFIC.

SHE SITS ON VARIOUS BOARDS INCLUDING EXECUTIVE WOMEN INTERNATIONAL AND THE BUILDING INDUSTRY ASSOCIATION.

HPD LIEUTENANT ANDREW MADDOCK IS A 14‑YEAR VETERAN AND OVERSEES THE DEPARTMENT’S CYBERCRIMES, COMPUTER FORENSICS AND CRIME ANALYSIS DETAILS.

HE SERVES ON THE TECHNICAL ADVISORY BOARD FOR THE NATIONAL COMPUTER FORENSICS INSTITUTE.

CLEARLY THE RIGHT PEOPLE FOR THE JOB.

GRATEFUL TO, TO HAVE ALL OF YOU IN STUDIO.

YOU DO THAT ROUND UP.

TELL US ABOUT MORE THE CREATIVE SCAMS YOU'RE SEEING RIGHT NOW.

>> FBI LET US KNOW WHAT WE NEED TO FOCUS.

PIG BUTCHERING BIG ONE.

TAKEN OVER EMOTIONLESS COMPROMISE.

>>Yunji: WHAT IS HE TALKING ABOUT?

TAKING OVER E‑MAIL COMPROMISE.

>> THINK OF PIGS.

TAKE THEM OVER TO SLAUGHTER THEM.

BRINGING CONSUMERS TO PARTICIPATE IN WHAT THEY CALL CRYPTO, GET RICH QUICK KIND OF SCAMS.

START WITH RELATIVELY ATTRACTIVE LOOKING PEOPLE.

PERHAPS ACCIDENTALLY ON FACEBOOK INSTANT MESSENGER LET ME TELL YOU ABOUT HOW I GOT WEALTHY LOOK AT THE PICTURES ON MY INSTAGRAM PAGE.

DOESN'T IT SHOW HOW SUCCESSFUL I AM AND DON'T YOU WANT TO INVEST IN THE SAME THINGS THAT I AM?

ENOUGH, GETS PULLED INTO THAT, PEOPLE LOST TENS OF THOUSANDS OF DOLLARS, HUNDREDS OF THOUSANDS DOLLARS STRUNG ALONG BY THESE SCAMMERS.

FBI NOW WARNING THIS IS THE TOP SCAM THAT IS ON OUR STREETS RIGHT NOW.

REALLY NEED TO BE COGNIZANT OF THESE TYPE OF PIG BUTCHER SCAMS.

PULLED IN A CRYPTO SCAMS.

AFFECTS OLDER GENERATION.

THOSE ARE LITTLE BIT BETTER OFF, SOME DISPOSAL INCOME AND WANT TO GET RICH OR MAYBE ARE NOT THAT FAMILIAR WITH WHAT CRYPTO IS, MAY BE HEARD THE WORD THROW AROUND, IT REALLY DOES AFFECT THOSE PEOPLE THE MOST.

DON'T BE SEDUCED BY GET RICH QUICK.

SOUNDS TOO GOOD TO BE TRUE, PROBABLY IS.

>>Yunji: HEARD BEFORE.

VERY INTERESTING WAY OF PUTTING IT.

PIG SCAM.

NOT HEARD OF THAT.

LET'S GO TO YOU.

WHAT ARE CREATIVE WAYS SCAMMERS ARE TARGETING PEOPLE.

>> MORE INVOLVEMENT WITH THE CRYPTO CURRENCY.

PART OF THAT IS NOT UNKNOWN.

SO PEOPLE REALLY WANT TO JUMP IN ON IT.

EVEN MORE, THEY WANT TO MAKE GREAT MONEY.

SO THEY'RE BEING DANGLED THIS CARROT OF GO AHEAD AND INVEST.

AND THERE'S NO RISK.

NOW, I THINK WE ALL KNOW FROM BASIC ECONOMICS, ALWAYS A RISK.

HIGHER THE RETURN, HIGHER THE RISK.

THEY'RE BEING BASICALLY LIED TO.

>> THAT IS WHAT SEEING OUT THERE.

ALL OF THESE SCAMS, TAKING IN BIG ONE.

USING MULTIPLE LAYERS.

USING ONE TYPE OF SCAM TO HELP PERPETRATE OTHER SCAMS.

USING AS WE MENTIONED, MONEY MILLS.

PEOPLE THEM DIRECTION THEIR MONEY PART OF OVER SCAM.

>>Yunji: WHAT DO YOU MEAN BY OTHER LAYERS.

>> MAY TAKE IT MONEY FROM ONE PERSON.

DURING THE PANDEMIC, UNEMPLOYMENT CLAIMS.

DIDN'T LIVE IN THAT STATE, SENT TO THEM.

VIA BANK ACCOUNT THEN THEY WERE CONVINCED BY THIS PERSON TO SEND THE MONEY ON.

MONEY LAUNDERING DIDN'T REALIZE THEY WERE DOING IT.

THOUGHT THEY WERE JUST HELPING OUT THIS PERSON THAT THEY HAD ROMANTIC RELATIONSHIP WITH.

USING VARIOUS VICTIMS TO HELP WITH THEIR MONEY ALONG SO THAT WHEN LAW ENFORCEMENT GOES AFTER THEM, CAN'T FIND THEM.

MOST OF THEM ARE NOT HERE IN THE U.S. INTERNATIONAL CRIME RINGS.

MUCH HARDER FOR LAW ENFORCEMENT TO GET TO THEM.

>>Yunji: WHAT ARE YOU HEARING?

PEOPLE WHO HAVE BEEN VICTIMIZED, CALLING YOUR OFFICE.

WHAT ARE SOME OF THE STORIES THAT YOU'RE HEARING RIGHT NOW?

WHAT ARE SOME OF THE STORIES.

>> PROCESS SCAMS.

GET INFORMATION FROM YOU, OR MONEY.

SOCIAL SECURITY NUMBER, ONE THAT I HEARD RECENTLY PEOPLE CALL IN AND SAY, HEY, I WAS UP AT THIS JOB.

AND PART OF MY JOB IS TO CASH THE CHECK FOR MY BOSS.

CASHED CHECK.

PURCHASED ITEMS FOR THE COMPANY.

QUOTE, UNQUOTE.

THEN CHECK BOUNCES.

SO THAT PERSON IS LIBEL FOR THAT MONEY THAT IS NOT THERE.

PRETTY HEARTBREAKING.

ROMANCE SCAMS, IMPOSTER SCAMS.

SOMEONE PRETENDS INTERESTED NEW ROMANTIC.

TRY TO GET MONEY FROM YOU.

>>Yunji: OFTENTIMES PERSONS IS OVERSEAS.

>> GIVE TO GREAT RECOURSE.

DON'T GIVE MONEY OUT.

PERSONAL INFORMATION.

DON'T SEND MONEY TO ANYBODY ASKING FOR GIFT CARDS, RED FLAG FOR IT IS A SCAM.

>>Yunji: LIEUTENANT I KNOW THAT YOU GET CALLS SIMILAR.

WHAT ARE YOU HEARING RIGHT NOW?

SORT OF LIKE TRENDS THAT YOU SEE WITH THE SCAMS?

>> WITH THE HONOLULU POLICE DEPARTMENT, WE GET REPORTED SCAMS FROM ALL OVER OAHU.

WE ALWAYS SEE TRENDS DEPEND ANT TYPE OF YEAR AND WHAT IS GOING ON IN THE NEWS.

DETERMINES WHICH SCAMS ARE OCCURRING.

SEEING A LOT OF PIG BUTCHERING PROBABLY NUMBER ONE RIGHT NOW.

TEXT PORT SCAM.

ADVANTAGE OF PEOPLE THAT DON'T KNOW AS MUCH ABOUT COMPUTERS.

ELDERLY PEOPLE.

EVEN PEOPLE THAT DON'T KNOW TOO MUCH ABOUT COMPUTERS USUALLY FALL FOR THAT.

IT CAN BE LAUNCHED MULTIPLE DIFFERENT WAYS.

ONE WHICH ON YOUR COMPUTER, MAYBE YOU HAVE A PROBLEM WITH YOU TO GOOGLE, TYPE IN IPHONE REPAIR OR SOMETHING LIKE THAT.

ACTUALLY TAKE OUT ADS ON GOOGLE.

LOOK LIKE LEGITIMATE ADS.

SAY APPLE SUPPORT.

REALLY JUST SCAMMER.

HAVE A PHONE NUMBER, CALL THAT NUMBER.

YOU THINKING YOU'RE CALLING APPLE SUPPORT.

GET A SCAMMER OTHER END.

GET TO YOU THE SCAM CENTER, HAVE YOU INSTALL REMOTE ACCESS SOFTWARE ON TO EITHER PHONE OR COMPUTER.

THEN ONCE THAT POINT, SEARCH FOR PERSONAL INFORMATION.

BANK ACCOUNT INFORMATION.

SEEN THEM TAKE YOUR CREDIT CARD FOR PAYMENT.

THEN INSTEAD OF TAKING CHARGE THEY SAID THEY'RE GOING TO TAKE.

CHARGE A LOT OF MONEY ON YOUR CREDIT CARD AS WELL.

THAT IS BEEN A PRETTY COMMON ONE.

OTHER SCENARIO IS INSTEAD OF JUST TYPING IN THE POP UP, ACTUALLY JUST COLD CALLING PEOPLE AS WELL.

CALL YOU FROM A PHONE NUMBER.

SPOOF THE PHONE NUMBER.

SO IT LOOKS LIKE IT'S FROM MICROSOFT OR APPLE.

LOOK IT UP, NUMBER MATCH.

SPOOFED PHONE NUMBER.

FRIEND PRETENDS TO BE MICROSOFT OR APPLE.

TRICK YOU INSTALLING REMOTE ACCESS SOFTWARE.

>>Yunji: ONCE THAT HAPPEN, AGAIN, WHAT KIND RECOURSE?

WHAT CAN YOU DO LAW ENFORCEMENT TO HELP PEOPLE HAD THEIR MONEY TAKEN.

>> REPORT IT TO THE POLICE, WE GET ALL THE REPORTS.

LOOK AT THE REPORTS SEE IF THERE'S INFORMATION WE CAN FOLLOW.

WITH TECH SUPPORT SCAMS TRACES IP ADDRESS ON THE COMPUTER BECAUSE TWO WAY CONNECTION.

WITH THE REMOTE ACCESS SOFTWARE, IF WE CAN GET THAT, CAN DETERMINE WHERE THE SCAM IS COMING FROM.

TRY TO FOLLOW IP ADDRESS.

IF IT DOES COME TO OUT OF COUNTRY, HARDER FOR US TO DO ANYTHING WITH THAT.

WE WORK OUR DETAIL WORKS WITH SECRET SERVICE.

PROVIDES THEM WITH THE INFORMATION.

MAYBE CAN HE CAN DO SOMETHING TO CATCH CRIMINALS WHEN THEY COME INTO THE U.S. AT SOME POINT.

IF YOU ARE A VICTIM OF IT.

REMOVE THE SOFTWARE FROM YOUR COMPUTER SO THEY NO LONGER HAVE REMOTE ACCESS TO THE COMPUTER.

BRING IT TO A LOCAL REPAIR SHOP.

DON'T USE ANYONE ONLINE TO DO IT.

YOU WANT TO USE A LOCAL REPAIR SHOP TO REMOVE ANYTHING FROM YOUR COMPUTER AFTER YOU'RE A VICTIM OF THAT.

>>Yunji: SOUNDS LIKE PREVENTION IS THE BEST MEDICINE.

WHAT IS THE BEST WAY TO PROTECT YOURSELF.

>> DOING A PRESENTATION COUPLE MONTHS AGO.

AND IT WAS SO FUNNY BECAUSE THERE WAS IN WONDERFUL LADY, WE KNOW, WATCHING OUR PRESENTATION, TALKING ABOUT SCAMS AND WHAT YOU CAN DO IT KEEP THIS FROM HAPPENING TO YOU.

WHILE WE WERE GIVING A PRESENTATION, MOM RUNS BEHIND THE COMPUTER OUT THE DOOR.

MOM, WHERE ARE YOU GOING?

I HAVE TO GO DOWN TO LONG'S TO GO BUY SOME GIFT CARDS BECAUSE IF I DON'T, SEND THEM OFF, IRS IS GOING TO COME AND ARREST ME.

WHILE WE'RE TAKING INVENTORY OF ALL OF THESE THINGS CAN YOU DO TO PROTECT YOURSELF, HER OWN MOM IN THE NEXT ROOM IS THIS IS HAPPENING TO HER.

REALLY THINK ABOUT IT.

WHAT DOES THAT MEAN?

A LITTLE BIT CYNICISM.

YOU HAVE TO BE A LITTLE BIT SKEPTICAL ABOUT THESE KIND OF PEOPLE THAT ARE REACHING OUT TO YOU.

ANY SORT OF SENSE OF URGENCY, THINK ABOUT THAT.

SENSE OF URGENCY.

REACHES OUT TO YOU, HEY, I'M IN A FOREIGN COUNTRY.

LOST EVERYTHING.

AND I NEED SOME MONEY RIGHT AWAY.

SENSE OF URGENCY.

BE SKEPTICAL.

THAT INITIAL THING, INITIAL REACTION IS WHAT THEY'RE DEPENDING UPON.

ROMANCE SCAMMERS, THAT CAN BE A LONG LOST FRIEND.

RECENT FAMILY MEMBER REACHED OUT TO ME, WATCHING THIS, THEY KNOW I'M TALKING ABOUT THEM.

THEY WENT, FELL FOR SOMETHING, OLD FRIEND SAID I HAVE THIS WONDERFUL ONCE IN A LIFETIME OPPORTUNITY.

YOU KNOW ME?

YOU CAN TRUST ME.

THAT REMOTE FRIEND, THEIR EMAIL WAS HACKED.

SO WASN'T THEM DOING THIS KIND COMMUNICATION.

SO FROM INDIVIDUAL LEVEL, THINK ABOUT THAT.

FROM A BUSINESS LEVEL, THAT'S USUALLY WHERE WE COME IN.

WORK WITH MOSTLY PRIVATE SECTOR.

PRIVATE SECTOR, THERE'S A LOT OF THESE KIND OF, NOT SO MUCH I'M A LONG LOST FRIEND.

BUT THEY WILL IMPERSONATE SOMEONE INSIDE OF EMAIL.

SEEN EMAIL STRINGS THAT THEY TAKE CHUNKS OF PREVIOUS EMAILS THAT YOU WRITTEN AND COMBINE IT INTO A NEW EMAIL MESSAGE AND SEND THAT OFF AND SAY, HEY, YOU CAN TRUST ME.

SEND IT TO OUR NEW BANK ACCOUNT.

BUSINESS NOT FIVE DOLLARS OR $500 TRANSACTION.

WE'RE TALKING $5,000.

$100,000.

$150,000.

SEEN IT AS HIGH AS $1.5 MILLION.

THESE ARE BIGGER NUMBERS THAT THEY'RE AFTER.

YES, AS INDIVIDUAL CONSUMER YOU ARE A TARGET.

BUT IF YOU WORK AT A COMPANY, WHICH MOST OF US DO, YOU ALSO HAVE TO LOOK OUT FOR THAT SENSE OF URGENCY.

AND BE SKEPTICAL ABOUT THOSE KIND OF REQUESTS THAT ARE COMING IN AND OUT.

>>Yunji: INTERESTING.

TELL US ABOUT THE PROFILE OF WHO IS REALLY BEING TARGETED WITH THESE SCAMS.

BOTH ON THE INDIVIDUAL LEVEL AND PERHAPS ON THE BUSINESS LEVEL TOO.

IF THAT IS SOMETHING THAT YOU DRESS.

>> WHAT WE'RE SEEING A LOT OF SENIORS ARE BEING SCAMMED.

SENIORS, THEY MIGHT BE LONELY.

VULNERABLE, EMOTIONALLY.

MIGHT BE LONELY.

LISTEN WHO'S CALLING THEM.

MAYBE HAVEN'T TALKED TO ANYBODY IN A LONG TIME.

GIVE THEM INFORMATION THAT THE SCAMMERS LOOKING FOR.

SAYING ABOUT BEING SKEPTICAL, IF YOU GET A TEXT MESSAGE OR EMAIL SAYING REQUESTING SOME INFORMATION FROM YOU.

WHAT YOU CAN DO, YEAH, YOU CAN BE SKEPTICAL, YOU CAN HANG UP.

SAY I'LL CALL YOU BACK.

LOOK ON THE BACK OF YOUR CREDIT CARD OR STATEMENT.

CALL, YOUR BANK DIRECTLY.

I GOT A CALL FROM YOU EARLIER.

WAS THIS YOU?

SOMETIMES NOT.

SOMETIMES ACTUALLY CALLING YOU.

GOOD WAY TO PROTECT YOURSELF FROM THESE SCAMMERS.

>>Yunji: SOUNDS LIKE IT'S REALLY IMPORTANT TO TALK A PAUSE.

>> IT IS.

PAUSE IS THE BIGGEST THING.

THEY WANT US TO FEEL THAT SENSE OF URGENCY DON'T WANT TO US THINK.

THEY WANT US TO REACT.

REALLY COMES BACK TO MONEY.

REALLY ISN'T AN EMERGENCY INVOLVED WITH MONEY.

SO WE NEED TO REMEMBER THAT.

GO AHEAD, TAKE A DEEP BREATH AND STOP AND THINK ABOUT IT.

THE OTHER ONE THAT IS REALLY IMPORTANT TOO, KIND TELL US IN A STORY, GET THESE REQUESTS DON'T JUST RUN OUT AND DO IT.

STOP FOR A MINUTE AND CALL A FRIEND.

PROBABLY BE ABLE TO TELL YOU, HOLD, IT STOP.

THIS IS A SCAM.

REALLY WHAT YOU NEED.

A LOT OF PEOPLE ALONG THE WAY THAT CAN HELP THAT.

GO INTO A BANK, WE KNOW A LOT OF TIMES, PEOPLE ARE TAKING OUT LARGE AMOUNTS.

TELLER WILL ASK THEM WHAT THEY'RE SPENDING IT FOR.

NOT BECAUSE THEY'RE TRYING TO BE NOSEY.

REALLY IS THEY'RE TRYING TO MAKE SURE THAT THAT MONEY IS BEING SENT PROBABLY NOT VERSUS BEING CAUGHT UP IN A SCAM.

SO SOMETIMES THOSE TELLERS CAN ACTUALLY MAKE THAT DIFFERENCE.

WHEN THEY TALK TO THE PERSON AND FIND OUT, ESPECIALLY WHEN THEIR RESPONSE IS NOT SUPPOSED TO TELL YOU.

THAT IS THE OTHER THING WE SEE A LOT OUT THERE.

PERSON YOU'RE TALKING WITH SAYS, DON'T TELL ANYONE, THAT IS A REAL BIG RED FLAG THAT THIS IS NOT A LEGITIMATE OFFER.

THAT YOU REALLY NEED TO TALK TO SOMEONE BECAUSE THEY'RE TRYING TO TAKE ADVANTAGE OF YOU.

>>Yunji: THAT COULD BE PHRASED TWO WAYS.

>> DON'T TELL ANYONE THIS SECRET BAD WAY OUR WANT YOU TO MAKE ALL THIS MONEY.

SO DON'T TELL ANYONE ABOUT THIS OPPORTUNITY.

>> EXACTLY.

USING EMOTIONS.

PLAY ON OUR EMOTIONS.

IF WE DIDN'T HAVE EMOTIONS, PROBABLY WOULDN'T BE SCAMMED.

WE'RE HUMAN.

DANGLE THAT CARROT IN FRONT OF US OR THREATEN US WITH THEORIES ARE COMING TO ARREST OUR IRS, SHUT OFF YOUR MEDICARE BENEFITS USE OUR EMOTIONS AGAINST US.

AND SO THAT WE START THINKING EMOTIONALLY AND NOT RATIONALLY.

ONCE WE START TO DO THAT, CON ARTISTS CALL US PUTTING US UNDER THE ETHER.

THAT IS WHAT THEY DO TO VICTIMS.

THEY WANT THEM TO BE DISORIENTED, DON'T WANT THEM TO THINK.

WE TALK.

HAPPENING INTERNATIONALLY.

HARD TO STOP.

EDUCATION IMPORTANT.

IMPORTANT THAT PEOPLE UNDERSTAND THAT WE ARE HAVING OUR EMOTIONS USED AGAINST US.

TAKE A STEP BACK AND PAUSE.

>>Yunji: ANYONE BEEN ARRESTED LOCALLY SHOWING UP AT SOMEONE'S DOOR IMPERSONATING SOMEONE ELSE?

>> YEAH.

WE DO HAVE THE PERSON IMPERSONATION SCAMS OCCASIONALLY.

AS FAR AS BEING ARRESTED FOR I GUESS MAYBE DRESSING UP AS LAW ENFORCEMENT, WE'VE HAD ARRESTS LIKE THAT USUALLY THEY'RE NOT SCAMS TRYING TO DO SOMETHING ELSE LIKE ROBBERIES STUFF LIKE THAT.

THERE IS A SCAM GOING AROUND WHERE THEY'RE CALLING PEOPLE.

PRETENDING TO BE HONOLULU POLICE, LOOK UP NAMES ON OUR WEBSITE AND USE REAL OFFICERS NAMES.

FOR THOSE ARE MOSTLY OUT OF COUNTRY.

SAME THING, SPOOF THE PHONE NUMBER.

SO ACTUALLY LOOK LIKE IT'S COMING FROM THE POLICE STATION.

WHEN IT'S NOT.

>>Yunji: SO FOR ANSWER ERIC'S QUESTION, IDEA THAT SOMEONE COME, WE HAD HEARD I THINK IT WAS DURING THE PANDEMIC, I REMEMBER HEARING A LOT ABOUT SOMEONE COME TO YOUR DOOR, THREATENING TO TURN OFF YOUR ELECTRICITY OR WHATNOT NOT GOING TO DO THAT.

S THAT NOT HOW HECO OPERATES.

THE IF CONFRONTED WITH SOMEONE AT THE DOOR WHAT IS YOUR ADVICE OF THE HOMEOWNER GET THAT PERSON OUT THERE.

>> SOMEONE COMES TO THE DOOR EVEN HPD, CALL 911 AND TALK TO THEM.

IF THEY ARE HPD, WE TELL OUR DISPATCH WHERE WE'RE GOING TO GO BEFORE WE GO THERE.

SO THEY'LL JUST LET THEM KNOW, THAT'S ACTUALLY HPD AT YOUR DOOR.

IF IT'S NOT, THEY'LL SEND AN OFFICER OUT.

>>Yunji: QUESTION FOR YOU ON FACEBOOK.

WHAT ABOUT BUYING ONLINE?

ALL I DO WHEN I GET LOTS OF EMAILS ABOUT SHIPPING OR CONFIRM ORDERS.

HOW DO THE BAD GUYS GET MY EMAIL AND HOW DO WE KNOW WHAT THAT TRUST.

>> I GET TEXT ON MY PHONE.

UPS PACKAGE, CLICK HERE TO CONFIRM.

HOLIDAY SEASON.

TWO KIDS BUYING LOT OF STUFF ONLINE, LIKE JOHN.

THINKING, DID I HEAR SOMETHING FROM UPS.

WHAT IS YOUR ADVICE OF US FOR THOSE OF US DO A LOT OF ONLINE RETAIL?

>> GO OUT ON A LIMB, SAY SOMETHING LITTLE CONTROVERSIAL.

MAYBE NEEDS TO BE SAID.

IF YOU'RE GOING TO BUY SOMETHING, BUY IT FROM A BIG RETAILER THAT YOU KNOW, AND IT'S EVEN BETTER IF THEY HAVE A BRICK AND MORTAR STORE.

PERSONAL OPINION, STICK WITH AMAZON.

E‑BAY HIGH RATED SELLER.

BIG GARAGE SALE ESSENTIALLY AND BIG ONES.

COSTCO, HOME DEPOT, SAM'S.

ALL OF THOSE REALLY BIG SELLERS.

THEY CAN STAND BEHIND THEIR PRODUCTS AND IF YOU DO GET A NOTICE LIKE THAT ON YOUR CELL PHONE, WHY DON'T YOU JUST LOG IN YOUR PORTAL, CHECK TO SEE YOUR PACKAGE IS COMING.

I DO IT ALL IT'S TIME.

I'M AMAZON PERSON.

NO SHAME.

IT'S COMING TODAY.

WONDERFUL.

AMAZON WILL SOMETIMES NOTIFY YOU WHEN A PACKAGE HAS BEEN DELIVERED.

THEY WILL NOTIFY IF A PACKAGE HAS BEEN DELAYED.

USE SOME COMMON SENSE ON THAT ONE.

AND EVERY YEAR, FBI RELEASES INTERNET CRIME AND COMPLAINT CENTER REPORT.

TOP SCAMS PREVIOUS YEAR.

TOP THREE IS NONDELIVERRABLE.

THEY ORDER SOMETHING ONLINE.

IT WAS QUOTE, UNQUOTE, SHIPPED.

NEVER ARRIVED.

SO SCAMMED OUT OF MONEY.

ANY OF US HERE, CAN CALL UP AND ANY ONLINE RETAILER, GO DADDY, SAY, HEY I WANT E‑COMMERCE WEBSITE.

WITHIN FIVE MINUTES, GOT ONE.

YOU CAN ERECT E‑COMMERCE WEBSITE.

ANYTHING AT ANY PRICE AND START COLLECTING MONEY RIGHT AWAY.

NOT SHIP ANYTHING.

A LOT OF FOCUS DO.

>>Yunji: I WOULD LIKE TO JUMP IN ON THAT.

LIKE I SAID, ORDERED A LOT OF STUFF.

HOW DO THEY KNOW IF YOUR PHONE NUMBER, DON'T REALLY KNOW IT'S YOU.

JUST HAVE THIS LIST OF PHONE NUMBERS.

THEY'RE SENDING EVERYONE SAME TEXT.

REALITY IS SOME PEOPLE WILL GET IT.

I DIDN'T ORDER ANYTHING.

AND THEY KNOW IT'S A SCAM OTHERS HAVE.

ASSUME IT'S REALLY LEGITIMATELY FOR THEM.

WHERE IT'S REALLY THEY'RE JUST THROWING OUT THIS WIDE NET AND SEEING HOW MANY PEOPLE THEY CAN GET CAUGHT UP INTO THAT.

REALLY GOOD POINTS.

KNOW WHAT YOU ORDERED.

THAT'S REALLY HARD DURING THE HOLIDAY SEASON.

IF YOU GET THAT TEXT, AND YOU REALLY DO WANT TO KNOW, GO TO WHERE YOU ORDERED IT FROM.

GO TO THAT EMAIL.

IF THEY HAVE A PORTAL, GO THERE.

BUT DON'T CLICK ON THAT LINK.

FOR A COUPLE OF REASONS.

ONE, IT COULD DIRECT YOU TO FAKE WEBSITE THAT LOOKS EXACTLY LIKE THIS RETAILER.

ALSO, THERE COULD BE MALWARE ATTACHED TO THAT MESSAGE THAT YOU RECEIVED.

SO REALLY, NEED TO BE PROACTIVE AND BE VERY SUSPICIOUS.

ESPECIALLY IF YOU GET SOMETHING FROM SOMEONE YOU DIDN'T SOLICIT.

IT'S ONE THING IF YOU CALLED SOCIAL SECURITY ADMINISTRATION AND RETURNING YOUR PHONE CALL.

VERY DIFFERENT IF THEY'RE JUST CALLING YOU OUT OF THE BLUE.

>> THOSE MESSAGES, HILARIOUS.

>> TEN YEAR DAUGHTER I WANT MY MONEY.

WHAT ARE YOU TALKING ABOUT?

RIGHT HERE ON MY PHONE.

PAYPAL, I GOT $150.

CLICK HERE TO GET IT.

YOU DON'T HAVE PAYPAL.

YOU'RE TEN YEARS OLD.

I DON'T KNOW.

I DON'T CARE.

I WANT MY MONEY.

BUY ROBUCKS.

>>Yunji: QUESTION HERE.

PARENTS ARE ON FACEBOOK.

TAKE THIS ONE.

AND WORRIED CLICK A SCAM LINK.

WHAT CAN I DO TO HELP THEM PREVENT THAT?

>> WE TALKED ABOUT PREVENTION.

BEING SO IMPORTANT.

WE NEED TO HELP EDUCATE SOME OF OUR FAMILY MEMBERS.

>> MISSION OF THE CONSUMER PROTECTION OFFICE IS EDUCATE CONSUMERS.

TELL SENIORS SEE SOMETHING, DON'T CLICK IT.

COULD DOWNLOAD VIRUSES TO YOUR COMPUTER.

IT'S TEMPTING BECAUSE YOU WANT TO SHOP.

BUT WE TELL PEOPLE NOT TO CLICK.

>>Yunji: WHAT IS YOUR ADVICE ON HOW WE EDUCATE SOME OF OUR FAMILY MEMBERS?

THEY COULD BE OLDER OR YOUNGER.

SOME OF US ALSO HAVE KIDS THAT MIGHT ENGAGING IN E‑COMMERCE AS WELL.

WHAT WOULD YOU SAY TO THAT?

>> FOR THAT QUESTION, WITH FACEBOOK, MOST OF THAT IS SCROLLING.

YOU GO TO FACEBOOK, SCROLL THROUGH READ DIFFERENT POST.

CLICK ON THE POSTS.

YOU JUST WANT TO GET LURED OFF OF THE SITE.

SO WHAT THEY WILL DO TAKE ADS ON THE SIDE.

HOW THEY TRICK YOU OFF THE SITE.

SUCH STUFF ON THE SIDE ADVERTISE DIFFERENT PRODUCTS.

>> DON'T CLICK ON THOSE.

THING FOR FACEBOOK, MAKE FAKE PROFILES AND TRY TO PRETEND TO BE FROM YOUR FRIEND.

ONE OF YOUR FRIENDS, HERE'S A GOOD INVESTMENT.

LISTEN TO ME OR CONTACT ME OR FACEBOOK MESSAGE ME.

I'LL LET YOU KNOW HOW TO GET A LOT OF MONEY.

SEEING A LOT OF THAT TOO.

BASICALLY TRY TO TRICK YOU OFF THE SITE.

ONCE GET YOU OFF THE SITE, THAT'S WHEN THEY DO MORE MALICIOUS STUFF.

WHAT ARE YOU DOING TO SHUT DOWN TELEPHONE SCAMMERS.

FROM INDIA BUT ALL OVER THE PLACE.

>> RIGHT NOW, WAY THE STRUCTURE OF THE TELEPHONE SERVICE IS.

WHEN THEY SPOOF A NUMBER, NO WAY TO TRACE IT.

SO WE ACTUALLY TESTED THIS.

WE USED SPOOF.

YOU COULD GET SOME APPS THAT WILL ALLOW YOU TO TYPE IN A NUMBER.

THEN YOU TAKE THE NUMBER YOU'RE CALLING, NUMBER YOU'RE CALLING FROM, AND THEN NUMBER YOU WANT TO APPEAR ON THE PHONE.

AND THERE'S NO WAY TO TRACE IT AT THIS POINT.

SUPPOSEDLY TELEPHONE COMPANIES ARE WORKING ON THE PROCESS.

>>Yunji: FOR YEARS AND YEARS, "DO NOT CALL" LIST.

GET YOURSELF ON A "DO NOT CALL" LIST.

COMPANIES COULDN'T SOLICIT YOU.

BUT THESE GUYS OBVIOUSLY DON'T OPERATE BY THAT.

"DO NOT CALL" LIST.

>> >> OH, NO.

SCAMMERS.

THEY'RE SPOOFING NUMBERS TO PROTEND TO BE OTHER PEOPLE.

EVEN IF YOU BLOCK CERTAIN NUMBERS CHANGE THE NUMBER.

BLOCKED.

>> IF I INTERJECT, IF THAT DOES HAPPEN TO YOU, YOU CAN REPORT IT TO YOUR CELL PHONE CARRIER.

AND CELL PHONE CARRIER CAN INITIATE TRACE.

VOIP CARRIER.

SHOW UP IN ANOTHER ONE AFTER THAT.

HAD SOME SUCCESS BY SHUTTING DOWN ACCOUNTS BY REPORTING IT TO THE CARRIER.

>>Yunji: I WOULD IMAGINE THAT WHEN HAPPENS TO PEOPLE, THERE COULD BE EMBARRASSMENT AND SHAME IN THIS.

YOU WENT MIGHT FEEL FOOLISH FOR HAVING RUN DOWN TO LONG'S AN BOUGHT THOSE GIFT CARDS.

TELL US ABOUT THE EMOTIONAL COMPONENT FOR THOSE WHO HAVE BEEN VICTIMIZED?

NOT JUST LOSING MONEY.

ALSO LOSING FACE.

>>YES, PEOPLE ARE REALLY EMBARRASSED.

DON'T REPORT IT.

DON'T TELL THEIR RELATIVES.

SO WE ENCOURAGE PEOPLE TO REPORT IT TO EITHER US, CONSUMER PROTECTION OR IF IT.

C, FEDERAL TRADE COMMISSION.

WE NEED TO KNOW WHAT SCAMS ARE OUT THERE.

LAW ENFORCEMENT HELPS TO KNOW WHAT'S OUT THERE AND TO ADDRESS IT AND LET PEOPLE KNOW WHAT THE SCAMS ARE ARE.

>>Yunji: TALK ABOUT THE EMOTIONAL COMPONENT.

>> DEVASTATING.

SEE IT A LOT.

SCAMS ARE UNDER REPORTED.

SEE THE BIG NUMBERS.

IT'S SO SIGNIFICANTLY UNDERREPORTED.

COMES BACK BACK TO THAT SHOW THAT WE FEEL.

SOMETIMES FRIENDS DON'T MEAN IT.

HOW COULD YOU FALL FOR THAT?

HOW BLAMING VICTIM WHEN THEY WEREN'T THE ONE BEING DISHONEST.

WE NEED TO REMEMBER THAT FIRST OF ALL, IT'S NOT A JUDGMENT ON US.

WE'RE HUMAN WE HAVE EMOTIONS GOOD DAYS AND BAD DAYS.

MIGHT GET CAUGHT UP IN THAT.

LETTING OTHER PEOPLE KNOW, PREVENTING THIS HAPPENING FROM OTHER FAMILY MEMBERS OR COMMUNITY.

REALLY IMPORTANT THAT IF THIS DOES HAPPEN, IT'S OKAY.

GO AHEAD AND REPORT THAT.

A LOT OF TIMES ESPECIALLY IF REPORTING IT TO THE STATE OR TO THE FEDERAL TRADE COMMISSION, BBB, NOT GOING TO PUT YOUR NAME OUT THERE AND SAY, SO‑AND‑SO GOT SCAMMED.

NOT HOW IT WORKS.

THERE TO ACTUALLY HELP EDUCATED AND LET THE CONSUMERS KNOW WHAT IS HAPPENING THEIR COMMUNITY.

EMOTIONS PLAY A ROLE IN THIS.

NEED TO REMEMBER WE'RE ALSO HELPING OUT OTHER PEOPLE IF WE SHARE WHAT'S HAPPENING.

>>Yunji: RIGHT.

TELL US A LITTLE BIT ABOUT THAT.

CALLS THAT YOU GET.

PEOPLE FEEL DUMB.

>> A LOT OF PEOPLE EMBARRASSED TO REPORT THE CRIME.

AMOUNT OF SCAMS WE GET, WHEN I CHECKED NUMBERS LAST WEEK, 422 SCAMS THIS YEAR.

SO FAR REPORTED TO US.

I'M SURE IT'S MUCH HIGHEN THAT THAT.

WE DO HEAR PEOPLE SAYING I GOT SCAMMED EMBARRASSED TO REPORT IT TO POLICE OR WHATEVER.

IT'S OKAY TO REPORT IT.

HELPS OTHER PEOPLE.

>> KEEP TRACK OF ALL THE SCAMS AND I PUT THEM ON A WEBSITE.

SO HONOLULU PD.ORG.

INFORMATION AND CYBER CRIMES.

IF YOU THINK YOU'RE GETTING SCAMMED, GO OVER THERE AND READ AND SEE IF THE SCAMS UP THERE.

THERE'S A CHANCE THAT SCAM IS ON.

NOT FALL FOR IT.

>>Yunji: FOCUS, JUST DOING AS MANY AS THEY CAN.

THE JUST NUMBERS GAME.

>> YES.

GOES IN TRENDS WE SEE IT BEGINNING OF WEEK, ONE SCAM.

I USUALLY, CRIMESTOPPERS.

>> PUT THAT ON THE NEWS.

WE CAN STOP IT IN ITS TRACKS BEFORE IF GETS TOO MANY PEOPLE TO FALL FOR IT.

>> HE'S RIGHT.

TALKING ABOUT HAVING THAT INFORMATION ONLINE.

BBB JUST ROLLED OUT BRAND NEW SCAM TRACKER YOU COULD ACTUALLY GO LOOK BY THE WEB ADDRESS, OR THE PHONE NUMBER, WHAT THE TYPE OF SCAM ALL SORTS OF DIFFERENT INFORMATION AND PUT IT IN THERE.

>> THEN SEE WHAT OTHER PEOPLE ARE REPORTING.

BECAUSE THAT IS SO HELPFUL IN SHARING THAT INFORMATION AND KNOWING WHAT IS COMING DOWN.

WE LOOK AT WHAT'S HAPPEN ON MAINLAND.

AND IF WE START TO SEE A SCAM POPPING UP THERE, MOST DEFINITELY START TO SHARE OUT HERE.

SO HOPEFULLY, WE GET TO IT BEFORE HITS OUR ISLAND.

WE DO TAKE INFORMATION FROM ALL OVER BECAUSE THEY JUST SEND IT ON OUT AND TRY TO GET AS MANY VICTIMS AS THEY CAN.

>>Yunji: FEELS WE'RE TALKING ABOUT COVID VARIANTS.

SEE ON THE EAST COAST, THEN WEST COAST.

>> HAWAII.

REALLY, JUST BLANKET WITH WHATEVER THEY THINK IS GOING TO WORK.

THERE IS A QUESTION FROM THE BIG ISLAND HERE.

IS IT A GOOD IDEA TO LET YOUR KIDS USE YOUR CREDIT CARD NUMBER TO ORDER GAMES OR OPTIONS ONLINE?

I THINK IT'S NOT JUST YOUR KIDS.

IS IT A GOOD IDEA FOR YOU YOURSELF TO USE YOUR CREDIT CARD ONLINE AND HOW DO YOU KNOW WHICH SITES ARE SAFE?

YOU WERE SAYING STICK WITH THE BIG ONES.

>> STICK WITH THE BIG ONES.

IF YOU HAVE TO THIRD‑PARTY SELLER, LITTLE BIT OF SANDWICH BETWEEN YOUR MONEY AND NOW GET INTO MONEY MANAGEMENT CONVERSATION.

I'M HAPPY ABOUT THIS.

PAYPAL IS GREAT INTERMEDIARY.

PAYPAL HAS ITS OWN CONSUMER PROTECTIONS.

OPTION TO PAY WITH PAYPAL, USE THAT.

ATTACH YOUR CREDIT CARD TO THAT.

NOW WE'VE GONE TWO STEPS.

CREATING OUR OWN VERSION OF OWN MONEY MILL.

TWO STEPS.

USE PAYPAL.

USE CREDIT CARD.

AND IF POSSIBLE, IF IT'S ATM CARD, TRY TO USE WITH ACCOUNT THAT'S SEPARATE FROM THE REST OF YOUR FUNDS.

ACCOUNT HAS A FEW THOUSAND DOLLARS, ONE ACCOUNT HAS ZERO WITH ITS OWN CARD, PERFECT.

LINK THAT TO THE PAYPAL.

ONE MORE TIME.

NOW YOU PROTECTING YOUR MONEY TWO STEPS AWAY.

THAT IS GOOD WAY TO START.

IF YOU DO USE CREDIT CARD, EVERYONE NEEDS TO CHECK THEIR STATEMENTS AT THE END OF EVERY MONTH.

HEARD THAT A MILLION TIMES.

MAKE SURE YOU CHECK YOUR STATEMENT FOR UNUSUAL CHARGES.

IT'S TRUE.

YOU DO HAVE TO KIND OF DO THAT BUT THINK ABOUT ANY APPS YOU COULD USE ON YOUR PHONE.

EASIER.

WAITING IN LINE, SOMEWHERE, FOR LUNCH OR STARBUCKS, CHECK FEW TRANSACTIONS.

LOOKS GREAT.

NOT SO GREAT.

WE'RE OKAY.

I HOPE I ANSWERED THE ONE.

DID NOT WANT TO FORGET ABOUT WHAT YOU SAID ABOUT SHAMING.

BECAUSE WE COME ACROSS THIS ALL THE TIME IN THE WORKPLACE.

FROM THE WORKPLACE, PERSPECTIVE, ALWAYS WE WALK IN AND EVERYTHING IS ON FIRE.

AND OWNER SITTING THERE, JERRY CLICKED ON ANOTHER EMAIL AGAIN.

I COULDN'T BELIEVE IT.

I TOLD HIM EVERY TIME.

DON'T CLICK ON THE EMAILS.

SO DON'T DO THAT IN YOUR WORKPLACE.

NOT PRODUCTIVE.

MAKE SURE PUT ASIDE EMOTION.

DON'T POINT FINGERS AT JERRY FOR CLICKING ON THAT EMAIL.

FEW JERRYS OUT THERE.

OVERALL PROBLEM.

ADDRESS IT.

BRING IN THE PROS.

GET BACK TO WORK.

SAME THING.

AFTER EVERYTHING HAPPENS GET BACK TO WORK.

NO ONE IS DYING HERE.

>>Yunji: DONE AN REGULAR BASIS.

>> CAN'T DO CYBER SECURITY TRAINING ONCE A YEAR OR EVERY FEW YEARS.

REALLY NEEDS TO BE ON GOING THING.

ANY COMPANY.

ALSO, AS INDIVIDUALS, WE REALLY NEED TO STAY ON TOP OF IT AND UNDERSTAND WHAT IS OUT THERE.

ESPECIALLY PEOPLE DON'T THINK IT WILL EVER HAPPEN TO THEM.

YOU PROBABLY NOT KEEPING YOUR GUARD UP AND PROBABLY NOT LEARNING WHAT YOU NEED TO DO.

OLD SCAMS WITH THE SPELLINGS AND BAD GRAMMAR, PRINCE FROM NIGERIA.

>> DON'T LOOK LIKE THAT ANY MORE.

SPOOFING OF NUMBER, IMPERSONATION BUSINESSES, IT'S OUT THERE.

REAL.

WHEN YOU ARE LOOKING ALWAYS NEED TO KNOW WHAT YOU'RE BUYING FROM AND NEED TO MAKE SURE YOU'RE AT THE CORRECT SITE WHEN YOU DO IT.

AN CONSUMER ANY MORE, IT IS ON US TO REALLY STAY VERY PROACTIVE IN EDUCATING OURSELVES.

>>Yunji: LIEUTENANT SAID 400 THAT HE INCIDENTS THAT HE HAD IDENTIFIED IN THE LAST YEAR.

HOW BIG OF AN ISSUE IS THIS HERE IN HAWAII DO YOU THINK?

>> LOOKING AT THE STATISTICS FOR HAWAII.

LAST TWO QUARTERS FOR 202.

OUT OF 5,684 FRAUD REPORTED TO US AND FTC, 2,000 IS IMPOSTER SCAMS.

WAY AHEAD OF IDENTITY THEFT, ABOUT 1,400.

THESE SCAMS ARE REALLY BIG.

>>Yunji: IMPOSTER SCAM, I'M CALLING FROM THE UTILITY.

SHUT YOUR POWER OFF.

BOARD OF WATER SUPPLY.

IRS.

>> ONE THING WE SEE RECENTLY GET THESE EMAILS MESSAGES FROM CHINESE LANGUAGE.

I DON'T UNDERSTAND CHINESE.

WHAT I HEARD, SOMEONE IMPERSONATING CHINESE EMBASSY.

TRYING TO TELL CITIZENS TO PAY SOME MONEY SO THEY DON'T DEPORTED SOMETHING LIKE THAT.

THAT'S GOOD TO KNOW.

WE COULD TARGET SPECIFICALLY CERTAIN COMMUNITIES LIKE IN THIS CASE, CHINESE AMERICANS AND CHINESE IMMIGRANTS SO THEY UNDERSTAND THIS IS A SCAM.

>>Yunji: TODD FROM HONOLULU HAS A QUESTION.

DIRECT IT TO YOU.

I LIKE THE IDEA OF SANDWICH.

PAYPAL SANDWICH THAT WE CREATE ANOTHER BARRIER TO OUR INFORMATION.

HE ASKS, CAN THIRD‑PARTY PAYMENT APPS LIKE VENMO OR CASH APP BE TRUSTED.

>> A LOT OF NOTICES ABOUT THAT.

INSTAGRAM.

IN GENERAL, YES.

VENMO IS OWNED BY PAYPAL.

NOT LIKE, THEY'RE THE SAME COMPANY.

THEY'RE MAKING LITTLE BIT MORE ACCESSIBLE.

GREAT IF YOU GO OUT TO DINNER SAY, OKAY, YOU TAKE YOUR HALF OF THE CHECK AND I'LL GIVE YOU LITTLE BIT ON VENMO.

EASY WHAT TO MOVE MONEY AROUND.

IN THE SAME WAY, EASY TO GET SCAMMED ABOUT THAT.

VENMO IS NOT SUPPOSED TO BE USED FOR BUSINESS.

MOST PEOPLE DO.

KIND OF GET THAT OUT OF WAY.

AND IF YOU ARE BEING REQUESTED FOR VENMO MONEY, IF AT ALL, YOU CAN TRY NOT TO USE VENMO IN THE WAYS NOT INTENDED.

NEED TO PAY FOR PIANO LESSONS OR HORSE RIDING LESSONS WHATEVER.

YOU DON'T WANT TO VENMO FOR THAT.

WRITE A CHECK.

>>Yunji: I PAY FOR THOSE THINGS, KARATE, NOT A SAFE WAY TO DO THAT.

>> NOT INTEND.

CONSUMER PROTECTIONS WRITING CHECKS.

CREDIT CARD.

DON'T EXIST WHEN YOU'RE USING CASH APP OR VENMO.

SORRY TO MAKE YOU NERVOUS.

APOLOGIZE.

>>Yunji: BEST REALLY RECOMMEND IF USING VENMO.

SEND MONEY TO PEOPLE YOU KNOW.

AND SO THAT IS GOING TO HELP PROTECT IT.

WAS NOT SET UP TO TRANSFER MONEY OTHER WAYS.

>> YOU'RE RIGHT.

YOU DON'T HAVE THE SAME PROTECTIONS WOULD YOU HAVE WITH THAT CREDIT CARD OR A CHECK.

>> UNDERSTANDING WHAT PROTECTION AND HOW TO USE THE PLATFORMS IS REALLY IMPORTANT.

MORE ASSETS YOU HAVE, MORE YOU'RE GOING TO BECOME A TARGET.

WE HAVEN'T TALKED A LOT ABOUT SIM SWAPPING YET.

FEW CASES.

HERE'S WHAT HAPPENS TO US.

SOMEONE CAME IN.

SAID,ER I'M SORRY.

I DON'T KNOW WHAT HAPPENED.

BUT A LOT OF MY MONEY IS BEEN STOLEN OVER $100,000.

WE SAID WOW.

HOW DID THIS OCCUR?

YOU WOULDN'T BELIEVE IT.

HAVE A T‑MOBILE PHONE.

AND SOMEBODY FROM WHO KNOWS WHERE CALLED T‑MOBILE FOR 14 HOURS STRAIGHT.

WITH A SOB STORY.

SOB STORY WENT SOMETHING LIKE THIS.

I'M OUT OF COUNTRY.

I LOST MY PHONE.

IN THE WATER.

I GOT THIS PHONE FROM A VENDING MACHINE.

AND FROM A LITTLE RETAILER.

NEED TO YOU PUT MY PHONE NUMBER ON TO THIS PHONE.

AT&T AND T‑MOBILE, ALL OTHER PLACES ASK YOU QUESTIONS.

MAIDEN NAME OR WHATEVER.

SO OF COURSE START GOOGLE YOU.

MAYBE HAD SOME INFORMATION ABOUT YOU IN THE PAST.

CALLED OPEN, SOURCE, INTELLIGENCE GATHERING.

SAY, OH, YES.

THAT'S ME.

PLEASE, SWAP MY NUMBER OVER.

MOMENT THEY DO THAT NOW, TWO‑FACTOR AUTHENTICATION.

ENTER PIN.

ALL THAT GETS TAKEN.

THEY HAVE CONTROL OF THAT.

VERY EASILY IMPERSONATE YOU.

DIFFICULT TO GET BACK AFTER THAT OCCURS.

SO IN THIS PERSON'S CASE, IN PARTICULAR, LOST OVER $100,000, THEY CALLED FOR OVER 14 HOURS.

FOUND SOMEONE WHO DO IT SIM SWAP.

TOOK OVER PHONE.

STOPPED WORK.

HOLDING VIRTUAL PHONE.

IMMEDIATELY STOPPED WORKING AND STARTED STEALING MONEY RIGHT AWAY.

>>Yunji: DID ANY OF THAT MONEY COME BACK?

>> WELL, THAT'S SOMETHING I CAN'T TALK ABOUT.

ALL CAN I SAY IF IT STARTS HAPPENING TO YOU, GET LAW ENFORCEMENT INVOLVED RIGHT AWAY.

AND THINK ABOUT WHETHER VENDORS THEY CAN GET INTO.

IN THIS CASE, IN PARTICULAR, GOT INTO THEIR HOME DEPOT ACCOUNT.

HOME DEPOT COMMERCIAL ACCOUNT.

STARTED GETTING MATERIALS THAT THEY WERE THEN SELLING FOR MONEY THAT WAY.

THEY GOT INTO BANK ACCOUNTS INSURANCE ACCOUNTS.

IT WAS A BIG MESS.

VERY DIFFICULT AFTER JEANIE IS OUT BOTTLE.

>>Yunji: DO SCAMMERS EVER GET CAUGHT?

DO THEY GO TO PRISON?

?

DO YOU HAVE ON THE OTHER SIDE OF THIS TALKING ABOUT ALL OF THESE VICTIMS.

WHAT ABOUT SOME VICTORIES.

>> FOR SCAMMERS, WE CATCH LOCAL SCAMMERS.

THEY WILL GO TO JAIL.

SPEAK OF SIM SWAP, WE DID HAVE A CASE 16 VICTIMS ON THE MAINLAND.

AND ACTUALLY ATTRIBUTED TO THREE JUVENILES.

ONE BEING IN HAWAII.

ARRESTED.

>>Yunji: PAULA FROM TANTALUS WANTS TO KNOW.

THIS TIME OF YEAR, WE DO A LOT OF CHARITABLE GIVING.

HOW DO YOU KNOW IF A CHARITY DONATION IS LEGIT?

>> GREAT QUESTION.

HOW DO YOU KNOW?

A LOT TIMES SEEING THESE APPEALS.

THEY ARE APPEALING TO OUR EMOTIONS SEEING THESE APPEALS.

TRYING TO RAISE FUNDS.

YOU NEED TO KNOW WHAT THE CHARITIES AND WHO THEY ARE AND DO BACKGROUND.

A LOT OF DIFFERENT WAYS.

GIFT.ORG, SEE ABOUT A CHARITY IF THEY ARE LEGITIMATE CHARITY.

STATE OF HAWAII IF THEY'RE REGISTERED HERE.

DURING OUR HOMEWORK, ABOUT A CHARITY, IS REALLY IMPORTANT.

>> UNDERSTANDING THAT WE'RE NOT BEING SENT TO IMPOSTER CHARITY THAT LOOKS EXACTLY LIKE ONE THAT WE WANT TO DONATE TO.

ALSO, SO MANY PEOPLE OUT THERE FUNDRAISING RIGHT NOW.

AND WE'RE LIKE, WE WANT TO GIVE MONEY FOR THIS.

WE HAVE TO UNDERSTAND AND THAT WE NEED TO BE MINDFUL OF WHO WE'RE GIVING OUR MONEY TO.

SO WHEN WE SEE TRAGEDY HAPPEN, PEOPLE WANT TO DONATE FOR THAT.

SOMETIMES THEY JUST THINK AND GO AHEAD AND SEND MONEY AND THEY DON'T STOP AND THINK HOW IS THE BEST.

ESPECIALLY IF YOU'RE LOCATION WHERE IT'S HARD TO GET TO YOU.

YOU NEED TO FIND A CHARITY CAN GET IN THERE AND DO THE JOB QUICKLY.

STEP BACK.

THAT PAUSE.

DO YOUR HOMEWORK.

IT'S GREAT TO GIVE.

WE SHOULD GIVE.

MAKE SURE YOU KNOW WHO YOU'RE GIVING TO.

THAT IS THE LEGITIMATE CHARITY.

>>Yunji: ROGER WHAT DO YOU SAY TO PAULA?

HOW DO YOU KNOW IS A CHARITY LEGITIMATE?

TALKING ABOUT THE STATE DOES HAVE VERIFICATION INFORMATION.

>> CONTACT DCCA.

HAVE YOU TO BE REGISTERED AS CHARITY.

THAT'S ONE THING.

ALSO, CHARITY NAVIGATOR.

WEBSITE.

WHERE YOU CAN WAIT THESE CHARITIES.

YOU KNOW IF THEY ARE LEGITIMATE OR NOT.

THAT'S A GOOD WAY TO LOOK.

IF YOU DO FIND A GOOD CHARITY, GET YOUR KIDS INVOLVED.

YOU CAN KIND OF START THE GIVING PROCESS EARLY.

AND THAT WAY, THEY AS THEY GROW UP, FEEL MORE APPRECIATIVE OF WHAT THEY HAVE.

>> SPIRIT OF THE SEASON.

>>Yunji: ALAN WANTS TO SHARE A SCAM.

INTERESTED IF YOU'VE EVER HEARD OF IT.

CALLER SELLING A CAR ON FACEBOOK.

SENT A LINK TO CONFIRM THAT YOU'RE REAL TO BUY THE CAR.

LITTLE BIT CONFUSED.

CALLER SELLING THE CAR ON FACEBOOK.

SENT A LINK.

CONFUSING.

WHAT KIND OF A LOT OF PEOPLE DO BUY AND SELL BIG TICKET ITEMS CARS ON FACEBOOK MARKETPLACE.

WHEN I FIRST MOVED BACK HOME TO HAWAII, ALMOST FELL FOR ONE OF THE RENTAL SCAMS.

WELL DOCUMENTED.

AT THE TIME, NEVER HEARD OF IT.

APARTMENT SOUNDED GREAT.

IT WASN'T ACTUALLY FOR RENT.

SEND ME THE MONEY.

SEND YOU A KEY.

IN THIS CASE, IF YOU ARE DOING LARGE TRANSACTIONS SOMETHING LIKE FACEBOOK, HOW DO YOU MAKE SURE THAT IS A SECURE TRANSACTION?

>> WE DEFINITELY GET A LOT OF SCAMS FACEBOOK MARKETPLACE AND CRAIG'S LIST.

ONLINE.

SEE YOUR POST.

SAY, I WANT TO BUY IT.

SEND YOU A CHECK.

FORGED CHECK.

OR STOLEN CHECK.

TO PAY FOR IT.

USUALLY, WHAT THEY'LL DO IS SEND YOU, THEY'LL ACCIDENTALLY SEND YOU TOO MUCH MONEY.

$30,000.

INSTEAD OF $3,000.

SAY, CAN YOU GET THE MONEY AND SENT HAD ME BACK THE MONEY.

GET IN TROUBLE.

TRICK PEOPLE AND GIVING THEM BACK $27,000.

TO PAY THE DIFFERENCE.

CHECK BOUNCES.

THAT IS A PRETTY COMMON SCAM.

>>Yunji: MAKES SENSE.

YOU DEPOSITED.

SHOW PENDING.

THINK YOU HAVE REAL CASH.

BANKS WILL CLEAR IT.

THINK IT'S A REAL CHECK.

>> BOUNCE.

GOSS GOES BACK TO SECRET SHOPPER SCAM.

PAY YOU FORGED CHECK.

PUT IT IN THE BANK.

LOOKS LIKE IT CLEARS.

TELL YOU, TAKE THIS MONEY.

BUY A GIFT CARD.

WANT YOU TO READ THE NUMBER TO THEM BECAUSE YOU'RE A SECRET SHOPPER.

THIS IS SMS NOTIFICATION TRYING TO GET YOU CLICK NOTHING A LINK.

EITHER THAT OR TRYING TO BREAK INTO YOUR ACCOUNT.

ALREADY KNOW.

>> YEAH.

ALREADY IN.

LIKE OH, LAST STEP IS TWO‑FACTOR AUTHENTICATION.

IMPOSTER WILL SAY I WANT TO SEE YOU'RE NOT SCAMMING ME.

>> EXPLAIN TO ME.

TOTALLY WASN'T UNDERSTANDING THE SCENARIO.

WALK US BACK.

HOW DOES THIS WORK?

>> SCAMMERS, IN ORDER TO APPEAR LEGITIMATE, THEY KNOW THAT THEY'RE SCAMMERS OUT THERE.

HOW DO I FOOL THIS PERSON.

I KNOW.

I'M GOING TO SAY, I'M SKEPTICAL OF YOU.

SO THEY SAY I'M GOING TO SEND YOU A TEXT MESSAGE TO MAKE SURE THAT YOU ARE WHO YOU SAY YOU ARE.

REALLY INTERESTED IN BUYING HIGH TICKET ITEM.

WHEN THEY DO THAT, YOU SAY, OH, YEAH.

TEXT MESSAGE IS 1234.

GREAT.

SEND YOU GMAIL ACCOUNT.

THAT'S IT.

>>Yunji: STRIKES ME ABOUT BOTH OF THESE SCENARIOS PARTICULARLY WITH THE CHECK, I'VE SEEN THAT CLEAR, BANK IS GIVING ME THE MONEY.

WAIT?

>> WATCH FOR THOSE IS NAME ON THE CHECK.

A LOT OF TIMES, NOT THE PERSON YOU'RE DEALING WITH.

BE SOME OTHER NAME OR ANOTHER BUSINESS NAME ON THERE.

THAT'S NUMBER ONE.

NUMBER 2, IF SAYING THEY OVERPAID OR ANYTHING LIKE THAT, GOING TO BE A SCAM.

WHO WRITES A CHECK ACCIDENTALLY FOR $30,000 MORE THAN WHAT IT SHOULD HAVE BEEN.

STUFF LIKE THAT.

>>Yunji: ON THOSE CHECK SCAMS, WHAT WE SAW BETTER BUSINESS BUREAU DEMOGRAPHIC FOR THAT ACTUALLY WAS THE YOUNGER DEMOGRAPHIC.

18 TO 24‑YEAR‑OLD REALLY IMPACTED BY FAKE CHECKS.

BECAUSE THEY DON'T DEAL WITH CHECKS.

THEY DON'T UNDERSTAND THAT BANKING PROCESS THAT IT TAKES 7 TO TEN DAYS TO COMPLETELY CLEAR THROUGH THE SYSTEM.

BANKS DON'T LET YOU HAVE YOUR MONEY SOONER THAN THIS.

THEY WERE CAUGHT UP IN THE SCAM BECAUSE THEY DIDN'T UNDERSTAND THE BANKING SYSTEM OR HOW TO WRITE A CHECK.

>> FALL FOR SOME CD AND BHS SCAMS.

>>Yunji: WHEN I RECEIVE UNSOLICITED EMAIL FROM A SUSPICIOUS ORGANIZATION, SHOULD I CLICK THE LINK TO UNSUBSCRIBE OR REPORT THEM AS SPAM?

>> THAT'S A GOOD QUESTION.

TALKING ABOUT A BUSINESS OR PERSONAL?

IF IT'S PERSONAL, IT'S GOOD, ESPECIALLY LIKE GMAIL, YOU CAN REPORT THIS AS SPAM OR PHISHING.

>> GOES INTO GMAIL MASTER DATABASE.

THEN PROTECT EVERYONE.

SO YOU'RE HELPING TO PROTECT ENTIRE COMMUNITY WORK PLACE, DIFFERENT.

WANT TO REPORT THAT TO YOUR IT DEPARTMENT.

BECAUSE THE SUCCESS OF THE ORGANIZATION AND BEING RESILIENT TO THESE KIND OF SCAMS, GOING TO DEPEND ON REPORTING.

SO IT DEPARTMENT IS NOW THE ONE THERE.

THEY CAN NOW FINETUNE, SPAM FILTERS.

DO RUN A BUSINESS PAY FOR A SPAM FILTERING SERVICE.

PLENTY TO CHOOSE FROM.

FINETUNING NEXT WEEKS OR MONTHS.

REDUCE THOSE KIND OF SCAMS COMING FROM AS A BUSINESS, YOU'RE A TARGET.

THINK ABOUT WHAT THIS MEANS.

IF YOU'RE AN INDIVIDUAL, TAKE OVER A COMPUTER, WHAT ARE THEY GOING TO GET?

FAMILY PHOTOS?

INSIDE ORGANIZATION.

PII, PERSONALLY IDENTIFYING INFORMATION CREDIT CARDS.

ESPECIALLY A GOVERNMENT CONTRACT OR PARTICIPATING IN ANY SORT OF FEDERAL WORK, THEY COULD ACCESS TO CONTROLLED CLASSIFIED INFORMATION, TOP SECRET INFORMATION, STUFF YOU DON'T WANT GETTING OUT.

ENTERING ESPIONAGE.

GOING FAST.

POINT IS, IF YOU DO GET SOMETHING SUSPICIOUS TRY TO REPORT IT FOR YOUR IT DEPARTMENT IN YOU'RE AN BUSINESS.

INDIVIDUAL, REPORT IT TO GOOGLE OR EMAIL PROVIDER.

>>Yunji: SHOULD I FORWARD SCAM TEXTS TO 7726, MY CARRIER SUGGESTED WAY TO REPORT SCAMS TEXTS.

DOES IT MAKE A DIFFERENCE?

>> YOU THINK MAY BE BITTER TO ANSWER THIS QUESTION.

>>Yunji: WHAT ARE YOUR THOUGHTS ON THAT?

>> EVERY CARRIER DOING THEIR BEST TO TRY TO PREVENT THESE KIND OF TEXT MESSAGE SCAMS.

NO ONE LIKES IT.

NO ONE WANTS IT.

THEY KNOW IT'S A BAD THING.

I'M NOT FAMILIAR WITH THAT PARTICULAR ONE.

THAT ONE COULD BE, SOUNDS LOOK A VERIZON ONE.

EACH CARRIER HAS THEIR OWN.

SOME APPS YOU CAN REPORT IT DIRECTLY.

GET IN TOUCH WITH CARRIER THEY WANT TO STOP THIS.

DON'T WANT ENTIRE MESSAGE FLOODED.

COUPLE YEARS AGO, INTERESTING STORY, COUPLE YEARS AGO, DID SOME ANALYSIS OF WHAT KIND OF DATA WAS BEING MOVED THROUGH CELLULAR NETWORKS.

DO THIS ANALYSIS ON THE TOP THREE MOST INTERESTING CELLULAR NETWORKS.

T‑MOBILE, ATT AND VERIZON.

UP TO 60% OF ALL DATA TRAFFIC SO THAT'S SMS MESSAGES, WHATEVER THEY'RE DOING, WAS CONSIDERED ILLEGITIMATE.

SCAM RELATED.

THAT.

DATA GOING ON AND YOU WANT TO, THEY WANT TO FIGHT THIS.

BECAUSE IT'S CONSUMING BANDWIDTH.

OVER HALF BANDWIDTH IS CONSUMED BY THIS KIND OF TRASH.

LET THE CARRIER KNOW, YOU'RE DOING A SERVICE TO THEM.

>>Yunji: WOW.

INTERESTING.

I KNOW YOU CAN ANSWER THIS ONE.

ANDY FROM PEARL CITY.

IS THERE A PLACE THAT I CAN LEARN MORE ABOUT CYBER SECURITY?

WE'VE OFFERED SO MUCH INFORMATION IN THE SHORT TIME THAT WE HAVE TONIGHT.

IT JUST FEELS LIKE PEOPLE ARE BEING TARGETED ALL SIDES.

WHERE SHOULD WE START TO PROTECT OURSELVES?

>> YOU CAN EDUCATE YOURSELF ON OUR WEBSITE, OFFICE OF CONSUMER PROTECTION.

ALSO ANOTHER GOOD WEBSITE IS WITH FEDERAL TRADE COMMISSION.

FTC.GOV WIDE INFORMATION TALKS ABOUT DIFFERENT SCAM AND HOW TO PROTECT YOURSELF.

>>Yunji: YOU SAID YOU'RE IDENTIFYING ONES HAPPENING RIGHT HERE IN HONOLULU.

>> YES.

>>Yunji: INTERESTED, FOR PEOPLE LOSE MONEY IN THESE SCAMS, HOW MUCH OF IT DO THEY EVER GET BACK?

>> USUALLY DON'T GET THEIR MONEY BACK.

>>Yunji: NOTHING.

>> YEAH.

>>Yunji: PRETTY RARE.

UNLESS OF COURSE YOU MADE LOCAL ARREST.

IF IT'S NOT A LOCAL ARREST, PROBABLY NOT GOING TO GET YOUR MONEY BACK.

>>Yunji: I KNOW THAT WITH THE CREDIT CARD YOU MIGHT HAVE A LITTLE BIT MORE PROTECTION.

IF YOU GET RIPPED OFF WITH A CREDIT CARD.

SOMETIMES CREDIT CARD COMPANY.

>> SCAMMERS NORMALLY WON'T USE CREDIT CARDS BECAUSE PROTECTION WITH CREDIT CARDS.

WE HAVE SEEN WHERE THE CREDIT CARD COMPANY WILL DENY THE CLAIM.

IF YOU WILLINGLY GIVE THE MONEY AWAY.

TRICKED GIVING MONEY AWAY ON THE CREDIT CARD.

SOMETIMES WON'T GIVE YOU YOUR MONEY BACK.

THAT'S WHY THEY USE GIFT CARDS.

GIFT CARDS EASY WAY TO TAKE YOUR MONEY.

SO ANY TIME YOU'RE BUYING ANYTHING, NEVER USE A GIFT CARD TO BUY IT.

PROBABLY GETTING SCAMMED.

>>Yunji: YOUR WEBSITES TO LEARN MORE.

>> EXACTLY.

WE HAVE SCAM TRACKER TOOL THAT YOU CAN LOOK AT THE DIFFERENT SCAMS.

WE ALSO HAVE OTHER SECTIONS ON WEBSITE.

THAT REALLY HELP PEOPLE EDUCATE AND HOW TO SHOP ONLINE, AND WHAT SCAMS ARE SEEING AND HOW TO PROTECT THEMSELVES.

ALWAYS THOSE TIPS OUT THERE REALLY JUST HELP PROTECT THE CONSUMERS.

>>Yunji: SHE SAYS, THIS BERN EA PERSON SAYS HAVE YOU HEARD OF THIS SCAM?

SOMEONE CLAIMING ARE TO BE SPECTRUM.

ASKING ME IF I OLD EQUIPMENT.

CUSTOMER FOR YEARS.

HUNG UP.

DID NOT COME BACK, SPECTRUM NUMBER.

CABLE BOX.

>> YES.

SPECTRUM OR ANY OTHER COMPANY, YES.

CALLING BECAUSE GET SOMEBODY EVENTUALLY WHO SAY CUSTOMER OF SPECTRUM.

GOING TO TRY TO CON THEM.

NOT UNUSUAL.

WE SEE IT A LOT.

REPORTS RECEIVE BETTER BUSINESS BUREAU, AMAZON ONE IMPERSONATED ORGANIZATION OUT THERE.

IT WASN'T AMAZON REACHING OUT TO PEOPLE.

PEOPLE PRETENDING TO BE AMAZON.

IMPERSONATION.

PEOPLE ARE IMPERSONATING COMPANIES ORGANIZATIONS JUST GETTING.

THROWING OUT THAT WIDE NET AND GOING TO CATCH A FEW PEOPLE IN IT.

>>Yunji: WHEN THEY PRETEND TO BE AMAZON, WHAT DOES THAT SCAM LOOK LIKE.

>> USUALLY A LOT OF IT HAS TO DO WITH DELIVERY OF PACKAGES.

YOU PLACED ORDER.

AND THEN THEY'RE FOLLOWING UP ON THAT ORDER.

THERE'S A PROBLEM WITH YOUR ORDER.

CLICK HERE AND TALK TO SOMEBODY.

WHAT'S GOING TO HAPPEN, SEE THAT ONE POP UP MORE RIGHT NOW.

WE JUST GOT THROUGH BLACK FRIDAY.

CYBER MONDAY.

SO THEY KNOW WHEN THOSE SHOPPING DAYS ARE HAPPENING, AND THEY START TO SEND THOSE TEXT MESSAGES OUT.

THEY'RE GOING TO SEND IT TO EVERYBODY.

PEOPLE WHO DIDN'T ORDER ARE GOING TO BE LIKE, THAT'S A SCAM.

PEOPLE WHO DID, THAT MUST BE MY ORDER.

AND CLICK ON IT.

THAT IS THE LAST THING YOU SHOULD DO.

REALLY NEED TO GO BACK TO YOUR ACCOUNT AND ESPECIALLY AMAZON.

>> YOU CAN TRACK IT THERE.

IF THERE'S ANY ISSUE OR ORDER OR DELAY IN YOUR DELIVERY, FIND IT IN YOUR ACCOUNT.

>>Yunji: REALLY GOOD ADVICE.

LAST PIECE OF ADVICE FROM EACH YOU.

JUST HAVE FEW MINUTES.

WHAT WOULD BE YOUR TAKEAWAY PEOPLE WATCHING TONIGHT?

>> WE TELL PEOPLE DON'T PAY WITH GIFT CARDS.

ENFORCE GIFT CARD LAW IN HAWAII.

ONE OF THE SCAMS RECENTLY, PEOPLE TAKING GIFT CARDS FROM SELL THEM AT LONG'S.

SCRATCH OFF THE PIN.

GET THE PIN.

AND THEN THEY COVER IT AGAIN TAPE.

ACTIVATE CASH REGISTER.

GET AN ALERT SOMEHOW.

SPEND MONEY QUICKLY.

RECOMMEND WITH GIFT CARDS KEEP YOUR RECEIPTS.

SPEND IT AS SOON AS POSSIBLE.

DON'T WANT TO LEAVE IT IN THE DRAWER AND KEEP COUPLE YEARS.

>>Yunji: LOOK AT GIFT CARD.

SO CONVENIENT.

CAN I JUST BUY ALL STORES.

DON'T HAVE TO GO TO ALL RETAILERS.

>> GOOD TO BUY FROM BACK IN THE COUNTER.

SOMETHING CLOSER TO.

>>Yunji: DIRECT.

>> ACCESS TO SCRATCHING PIN CODE.

>>Yunji: WHAT IS YOUR BEST ADVICE, TAKE AWAY TODAY?

>> BASICALLY, IF YOU WANT TO VERIFY WHO YOU'RE DEALING WITH, ONLINE, ONE OF THE I WAS TO CHECK WEBSITES.

DOING IT ONLINE SHOPPING, SOMETHING THAT IS NOT LIKE AMAZON, YOU COULD ALWAYS GO TO CALLED DOMAIN LOOK UP.

DOMAIN WHO IS.

JUST GOOGLE.

DOMAIN WHO IS.

STEP ONE.

GO DADDY HOSTS ONE.

TYPE IN THE NAME OF THE WEBSITE THAT YOU SEE.

URL.

TELL YOU WHO OWNS THAT WEBSITE.

AND HOW LONG AGO IT WAS REGISTERED OF JUST REGISTERED.

PROBABLY FRAUD WEBSITE.

>>Yunji: YOU KNOW HOW LONG IT'S BEEN UP.

INTERESTING.

WHAT IS YOUR BEST TAKE AWAY TONIGHT.

>> TALK TO THE NETWORK DEFENDERS.

>> THOSE WHO ARE POTENTIALLY RESPONSIBLE FOR NETWORKS THAT COULD GET AFFECTED.

AT THIS TIME OF YEAR, FOOTHOLD THAT'S BAD GUYS PUT IN TO IT'S YOUR NETWORK, GOING TO ACTIVATE.

HOLIDAYS.

MOST INCONVENIENT TIME.

I JOKE ABOUT THIS BUT EVERY FRIDAY, WE GET A CALL AROUND 4:00 P.M. THAT'S IDEAL TIME FOR THEM TO DEPLOY SOMETHING.

NETWORK DEFENDERS.

LOOK FOR FOOTHOLDS INSIDE OF YOUR NETWORK, BECOME EDUCATED.

WHERE TO GET GOOD RESOURCES.

BEST ONE IS THE INFRAGUARD PROGRAM.

JOINT COALITION BETWEEN FBI AND PRIVATE SECTOR.

WHERE THEY RELEASE INFORMATION WHAT'S GOING ON IN THE WORLD AND HOW IT AFFECTS YOU AND HOW YOU CAN MITIGATE AGAINST POTENTIAL PROBLEM.

BUSINESSES ARE AT RISK AND AS NETWORK DEFENDERS, OUR JOB TO PROTECT THEM.

YOU NEED BEST INFORMATION.

FBI HAS IT.

GO FOR IT.

HOMELAND SECURITY INFORMATION NETWORK.

ANOTHER GREAT RESOURCE.

RECOMMEND THAT.

AS WELL.

MANY OF THESE ARE FREE OR LOW COST.

KEEP THE CONTINUING EDUCATION GOING.

RUN THOSE TABLETOP EXERCISE.

MAKE SURE SYSTEMS ARE FULLY PATCHED.

PROFESSIONAL CYBER SECURITY AWARENESS TRAINING PROGRAM.

NOT A BROWN BAG LUNCH.

TO THESE KIND OF BEST PRACTICE AND IF IN DOUBT, REACH OUT TO CYBER PROFESSIONAL WHO DOES THIS ALL THE TIME.

I KNOW SOMEONE WHO CAN HELP.

>>Yunji: OKAY.

LOTS OF GREAT ADVICE.

THANK YOU SO MUCH.

LEAVE IT THERE.

WE WANT TO THANK YOU FOR JOINING US AND WE THANK OUR GUESTS: ATTILA SERESS PRESIDENT AND CEO OF CYPAC CYBERSECURITY SERVICES.

ROSEANN FRIETAS FROM THE BETTER BUSINESS BUREAU, RADJI TOLENTINO ATTORNEY FOR THE STATE OFFICE OF CONSUMER PROTECTION, AND LT. ANDREW MADDOCK FROM THE HPD’S CYBER CRIMES DETAIL.

INSIGHTS WILL BE TAKING A BREAK FOR THE HOLIDAYS.

WE WANT TO THANK EVERYONE WHO JOINED US THIS YEAR AND PARTICIPATED IN OUR CONVERSATIONS WHETHER IT WAS OVER THE PHONE, EMAIL, OR SOCIAL MEDIA.

WE LOOK FORWARD TO HEARING FROM YOU ALL IN THE COMING YEAR.

FOR INISGHTS ON PBS HAWAII, I’M YUNJI DE NIES.

HAPPY HOLIDAYS AND ALOHA.