警惕电子邮件诈骗！！！

来源：华泰通代@2018.03.16

Email fraud cases have been noted and reported very frequently recently, where fraudsters pretend themselves to be claim handlers of either Club, member, correspondent or broker, etc. requesting to remit funds to their designated bank account in disguise. They either hack into the email correspondences of a claim and then take up from a certain point writing to Club or member who is guardlessly ready to pay a payment following the normal sequence of claim handling, sending from a disguised email address and providing a fake bank account. Sometimes, they even make up a claim out of blue sending emails to Clubs or members, disguised as correspondent, cargo owner or insurer, or other claimants. In other cases, they pretend to be any of the above parties spreading emails with virus-bedded attachments, in order to hack into the receivers' email systems.

最近，电子邮件诈骗案件频频发生，其中诈骗者冒充协会理赔员、会员、通代或经纪人等，要求将资金汇入指定的伪造银行账户。诈骗者会入侵某赔案的电子邮件，然后从某一时间点开始通过伪装的邮箱地址给那些毫无防备、正准备按照赔案处理的正常流程安排付款的协会或会员发送邮件，并提供虚假银行账户信息。有时，诈骗分子甚至会伪装成通代、货物所有人或保险人、或其他索赔方，凭空捏造索赔案件发给协会或会员。在其他情况下，诈骗分子会伪装成上述任何一方发送带有病毒的附件，以便入侵收件人的电子邮件系统。

The fraudsters are so professional with these tricks and familiar with the shipping and insurance business that from time to time there are unfortunate victims to these predators. As such, we consider it necessary to call on high attention and caution to these fraud activities to avoid losses or troubles.

诈骗分子非常擅于使用这些手段并且十分熟悉航运业和保险业，以至于不时有不幸的受害者成为这些“捕食者”的“猎物”。因此，华泰通代认为有必要呼吁各位高度重视和警惕这些诈骗行为以避免损失或麻烦。

E-mail Address of Fraudsters  诈骗者的电子邮箱地址

They usually imitate the e-mail address by adding extra letters or copying some part of the real ones. Below are some examples:

诈骗者通常会通过添加多余字母或者复制真正邮箱地址中的部分内容来模仿电子邮箱地址。以下一些示例供参考：

pni.sh.huatai-serv.com@list.ru

smartq_adrnin_hkg.qbe.com@list.ru

chenxiuyun.tnzconsult.com@list.ru

However, it is worthwhile to point out that in some cases though rare, they would somehow disguise the sending email address to be identical to the real one, so as to catch readers off guard.

然而，值得一提的是，在少数情况下，诈骗分子会采取某种手段使发件地址看起来与真实地址完全一致，使得使阅信人放松警惕。

Bank Account  银行帐户

Fraudsters will nominate a bank account to receive the payment pretending as the intended fund receiver. They either write secretly to the paying party in disguised email addresses, or they would send out an email after the real bank account has been sent out by the intended fund receiver, alleging that there has been a problem (such as auditing) with the previously sent bank account and that the fund should be sent to their nominated new account.

诈骗者会冒充收款方并指定一个银行帐户来接收付款。他们会使用伪造的电子邮件地址偷偷地给付款方发邮件，或者会在真实收款方发送银行帐户之后再发送邮件，声称之前提供的银行账户存在问题(例如审计)并且指示将资金汇入其（诈骗者）新指定的账户。

Recommendations 建议

Email fraud rampancy has become an increasingly serious problem in shipping industry. To protect the interests of our clients, we would like to draw the attention of the readers to the following:

电子邮件诈骗泛滥已经成为航运业面临的日益严重的问题。为了保护我们客户的利益，我们提请您注意以下问题：

1) Please check the email addresses of the senders. Most of the fraud emails are sent from addresses that are different from the real ones, which can usually be easily detected. By doing this, you will be able to screen most of the fraud emails.

请检查发件人的电子邮件地址。大多数诈骗邮件的发件地址与实际真实地址不同，这通常很容易被察觉到。通过检查邮件地址，您将能够甄别大多数诈骗邮件。

However, please note that even if the email address appears correct, it doesn't mean that the email is one hundred percent safe; that's why the following points are even more important.

但是，请注意，即使电子邮件地址显示正确，也并不意味着这些邮件就百分之百安全；这就是为什么以下几点更为重要的原因。

2) When payment or remittance is to be made, extra care should be taken. Please make sure that you will telephone the intended receiving party in person to verify the bank account, should account details be found suspicious, especially when the fund is requested to be remitted into a revised bank account.

将要付款或汇款时，应格外注意。如果账户信息存在可疑之处，尤其是要求将资金汇入一个修改过的银行账户时，请亲自打电话给收款方核实银行账户信息。

For the sake of caution, please find our one and only bank account details as follows for your record, which remains unchanged:

谨慎起见，请查收华泰通代唯一且保持不变的银行账户信息供存档：

Beneficiary: Huatai Insurance Agency & Consultant Service Ltd.

Name of Bank: Bank of China, Beijing Jin Rong Jie Sub-branch

Address of Bank: 27 Jinrongjie, Xicheng District, Beijing, China.

Account No.(USD): 342856024291

Swift Code: BKCHCNBJ110

3) If possible please increase the security level of the email settings including password, logging record monitoring, etc. and update the anti-virus systems timely.

如果可能的情况下，请提高电子邮件设置的安全等级，包括密码、日志记录监控等，并及时更新杀毒系统。

In fight against these rampant email fraudsters, we are upgrading our email security system, calling on serious caution from each and every member of our team, and also, issuing this circular to alert you of this issue, in the hope that with our combined effort and attention, no one of us will fall prey to these fraud again.

为抗击这些猖獗的电子邮件诈骗者，华泰通代正在升级电子邮件安保系统，呼吁团队所有成员保持高度谨慎，并同时发布本通函提醒您对此问题的关注，希望通过我们的共同努力和关注，没有人再次成为诈骗受害者。

“通函内容，请以英文原文为准，汉语翻译仅供参考。 如您对上述内容有任何疑问，新乔十分乐意为您解答并提供帮助。”