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How to Spot Phishing Emails and Scams

By: Amy Bunn
27 March 2025 at 07:43

There are plenty of phish in the sea. 

Millions of bogus phishing emails land in millions of inboxes each day with one purpose in mind—to rip off the recipient. Whether they’re out to crack your bank account, steal personal information, or both, you can learn how to spot phishing emails and keep yourself safe. 

And some of today’s phishing emails are indeed getting tougher to spot.  

They seem like they come from companies you know and trust, like your bank, your credit card company, or services like Netflix, PayPal, and Amazon. And some of them look convincing. The writing and the layout are crisp, and the overall presentation looks professional. Yet still, there’s still something off about them.  

And there’s certainly something wrong with that email. It was written by a scammer. Phishing emails employ a bait-and-hook tactic, where an urgent or enticing message is the bait and malware or a link to a phony login page is the hook.  

Once the hook gets set, several things might happen. That phony login page may steal account and personal information. Or that malware might install keylogging software that steals information, viruses that open a back door through which data can get hijacked, or ransomware that holds a device and its data hostage until a fee is paid. 

Again, you can sidestep these attacks if you know how to spot them. There are signs. 

Let’s look at how prolific these attacks are, pick apart a few examples, and then break down the things you should look for. 

Phishing attack statistics—the millions of attempts made each year. 

In the U.S. alone, more than 300,000 victims reported a phishing attack to the FBI in 2022. Phishing attacks topped the list of reported complaints, roughly six times greater than the second top offender, personal data breaches. The actual figure is undoubtedly higher, given that not all attacks get reported. 

Looking at phishing attacks worldwide, one study suggests that more than 255 million phishing attempts were made in the second half of 2022 alone. That marks a 61% increase over the previous year. Another study concluded that 1 in every 99 mails sent contained a phishing attack.  

Yet scammers won’t always cast such a wide net. Statistics point to a rise in targeted spear phishing, where the attacker goes after a specific person. They will often target people at businesses who have the authority to transfer funds or make payments. Other targets include people who have access to sensitive information like passwords, proprietary data, and account information. 

As such, the price of these attacks can get costly. In 2022, the FBI received 21,832 complaints from businesses that said they fell victim to a spear phishing attack. The adjusted losses were over $2.7 billion—an average cost of $123,671 per attack. 

So while exacting phishing attack statistics remain somewhat elusive, there’s no question that phishing attacks are prolific. And costly. 

What does a phishing attack look like? 

Nearly every phishing attack sends an urgent message. One designed to get you to act. 

Some examples … 

  • “You’ve won our cash prize drawing! Send us your banking information so we can deposit your winnings!” 
  • “You owe back taxes. Send payment immediately using this link or we will refer your case to law enforcement.” 
  • “We spotted what might be unusual activity on your credit card. Follow this link to confirm your account information.” 
  • “There was an unauthorized attempt to access your streaming account. Click here to verify your identity.” 
  • “Your package was undeliverable. Click the attached document to provide delivery instructions.” 

When set within a nice design and paired some official-looking logos, it’s easy to see why plenty of people click the link or attachment that comes with messages like these. 

And that’s the tricky thing with phishing attacks. Scammers have leveled up their game in recent years. Their phishing emails can look convincing. Not long ago, you could point to misspellings, lousy grammar, poor design, and logos that looked stretched or that used the wrong colors. Poorly executed phishing attacks like that still make their way into the world. However, it’s increasingly common to see far more sophisticated attacks today. Attacks that appear like a genuine message or notice. 

Case in point: 

Say you got an email that said your PayPal account had an issue. Would you type your account information here if you found yourself on this page? If so, you would have handed over your information to a scammer. 

We took the screenshot above as part of following a phishing attack to its end—without entering any legitimate info, of course. In fact, we entered a garbage email address and password, and it still let us in. That’s because the scammers were after other information, as you’ll soon see. 

As we dug into the site more deeply, it looked pretty spot on. The design mirrored PayPal’s style, and the footer links appeared official enough. Yet then we looked more closely. 

Note the subtle errors, like “card informations” and “Configuration of my activity.” While companies make grammatical errors on occasion, spotting them in an interface should hoist a big red flag. Plus, the site asks for credit card information very early in the process. All suspicious. 

Here’s where the attackers really got bold.  

They ask for bank “informations,” which not only includes routing and account numbers, but they ask for the account password too. As said, bold. And entirely bogus. 

Taken all together, the subtle errors and the bald-faced grab for exacting account information clearly mark this as a scam. 

Let’s take a few steps back, though. Who sent the phishing email that directed us to this malicious site? None other than “paypal at inc dot-com.” 

Clearly, that’s a phony email. And typical of a phishing attack where an attacker shoehorns a familiar name into an unassociated email address, in this case “inc dot-com.” Attackers may also gin up phony addresses that mimic official addresses, like “paypalcustsv dot-com.” Anything to trick you.  

Likewise, the malicious site that the phishing email sent us to used a spoofed address as well. It had no official association with PayPal at all—which is proof positive of a phishing attack. 

Note that companies only send emails from their official domain names, just as their sites only use their official domain names. Several companies and organizations will list those official domains on their websites to help curb phishing attacks.  

For example, PayPal has a page that clearly states how it will and will not contact you. At McAfee, we have an entire page dedicated to preventing phishing attacks, which also lists the official email addresses we use. 

Other examples of phishing attacks 

Not every scammer is so sophisticated, at least in the way that they design their phishing emails. We can point to a few phishing emails that posed as legitimate communication from McAfee as examples. 

There’s a lot going on in this first email example. The scammers try to mimic the McAfee brand, yet don’t pull it off. Still, they do several things to try to act convincing. 

Note the use of photography and the box shot of our software, paired with a prominent “act now” headline. It’s not the style of photography we use. Not that people would generally know this. However, some might have a passing thought like, “Huh. That doesn’t really look like what McAfee usually sends me.” 

Beyond that, there are a few capitalization errors, some misplaced punctuation, and the “order now” and “60% off” icons look rather slapped on. Also note the little dash of fear it throws in with a mention of “There are (42) viruses on your computer …” 

Taken all together, someone can readily spot that this is a scam with a closer look. 

This next ad falls into the less sophisticated category. It’s practically all text and goes heavy on the red ink. Once again, it hosts plenty of capitalization errors, with a few gaffes in grammar as well. In all, it doesn’t read smoothly. Nor is it easy on the eye, as a proper email about your account should be. 

What sets this example apart is the “advertisement” disclaimer below, which tries to lend the attack some legitimacy. Also note the phony “unsubscribe” link, plus the (scratched out) mailing address and phone, which all try to do the same. 

This last example doesn’t get our font right, and the trademark symbol is awkwardly placed. The usual grammar and capitalization errors crop up again, yet this piece of phishing takes a slightly different approach. 

The scammers placed a little timer at the bottom of the email. That adds a degree of scarcity. They want you to think that you have about half an hour before you are unable to register for protection. That’s bogus, of course. 

Seeing any recurring themes? There are a few for sure. With these examples in mind, get into the details—how you can spot phishing attacks and how you can avoid them altogether. 

How to spot and prevent phishing attacks. 

Just as we saw, some phishing attacks indeed appear fishy from the start. Yet sometimes it takes a bit of time and a particularly critical eye to spot. 

And that’s what scammers count on. They hope that you’re moving quickly or otherwise a little preoccupied when you’re going through your email or messages. Distracted enough so that you might not pause to think, is this message really legit? 

One of the best ways to beat scammers is to take a moment to scrutinize that message while keeping the following in mind … 

They play on your emotions. 

Fear. That’s a big one. Maybe it’s an angry-sounding email from a government agency saying that you owe back taxes. Or maybe it’s another from a family member asking for money because there’s an emergency. Either way, scammers will lean heavily on fear as a motivator. 

If you receive such a message, think twice. Consider if it’s genuine. For instance, consider that tax email example. In the U.S., the Internal Revenue Service (IRS) has specific guidelines as to how and when they will contact you. As a rule, they will likely contact you via physical mail delivered by the U.S. Postal Service. (They won’t call or apply pressure tactics—only scammers do that.) Likewise, other nations will have similar standards as well. 

They ask you to act—NOW. 

Scammers also love urgency. Phishing attacks begin by stirring up your emotions and getting you to act quickly. Scammers might use threats or overly excitable language to create that sense of urgency, both of which are clear signs of a potential scam. 

Granted, legitimate businesses and organizations might reach out to notify you of a late payment or possible illicit activity on one of your accounts. Yet they’ll take a far more professional and even-handed tone than a scammer would. For example, it’s highly unlikely that your local electric utility will angrily shut off your service if you don’t pay your past due bill immediately. 

They want you to pay a certain way. 

Gift cards, cryptocurrency, money orders—these forms of payment are another sign that you might be looking at a phishing attack. Scammers prefer these methods of payment because they’re difficult to trace. Additionally, consumers have little or no way to recover lost funds from these payment methods. 

Legitimate businesses and organizations won’t ask for payments in those forms. If you get a message asking for payment in one of those forms, you can bet it’s a scam. 

They use mismatched addresses. 

Here’s another way you can spot a phishing attack. Take a close look at the addresses the message is using. If it’s an email, look at the email address. Maybe the address doesn’t match the company or organization at all. Or maybe it does somewhat, yet it adds a few letters or words to the name. This marks yet another sign that you might have a phishing attack on your hands. 

Likewise, if the message contains a web link, closely examine that as well. If the name looks at all unfamiliar or altered from the way you’ve seen it before, that might also mean you’re looking at a phishing attempt. 

Protect yourself from phishing attacks 

  1. Go directly to the source. Some phishing attacks can look convincing. So much so that you’ll want to follow up on them, like if your bank reports irregular activity on your account or a bill appears to be past due. In these cases, don’t click on the link in the message. Go straight to the website of the business or organization in question and access your account from there. Likewise, if you have questions, you can always reach out to their customer service number or web page.  
  2. Follow up with the sender. Keep an eye out for emails that might be a spear phishing attack. If an email that looks like it came from a family member, friend, or business associate, follow up with them to see if they sent it. Particularly if asks for money, contains a questionable attachment or link, or simply doesn’t sound quite like them. Text, phone, or check in with them in person. Don’t follow up by replying to the email, as it may have been compromised.   
  3. Don’t download attachments. Some phishing attacks send attachments packed with malware like the ransomware, viruses, and keyloggers we mentioned earlier. Scammers may pass them off as an invoice, a report, or even an offer for coupons. If you receive a message with such an attachment, delete it. And most certainly don’t open it. Even if you receive an email with an attachment from someone you know, follow up with that person. Particularly if you weren’t expecting an attachment from them. Scammers will often hijack or spoof email accounts of everyday people to spread malware.  
  4. Hover over links to verify the URL. On computers and laptops, you can hover your cursor over links without clicking on them to see the web address. If the URL looks suspicious in any of the ways we mentioned just above, delete the message, and don’t ever click. 

Protect yourself from email attacks even further 

Online protection software can protect you from phishing attacks in several ways. 

For starters, it offers web protection that warns you when links lead to malicious websites, such as the ones used in phishing attacks. In the same way, online protection software can warn you about malicious downloads and email attachments so that you don’t end up with malware on your device. And, if the unfortunate does happen, antivirus can block and remove malware. 

Online protection software like ours can also address the root of the problem. Scammers must get your email address from somewhere. Often, they get it from online data brokers, sites that gather and sell personal information to any buyer—scammers included.  

Data brokers source this information from public records and third parties alike that they sell in bulk, providing scammers with massive mailing lists that can target thousands of potential victims. You can remove your personal info from some of the riskiest data broker sites with our Personal Data Cleanup, which can lower your exposure to scammers by keeping your email address out of their hands. 

In all, phishing emails have telltale signs, some more difficult to see than others. Yet you can spot them when you know what to look for and take the time to look for them. With these attacks so prevalent and on the rise, looking at your email with a critical eye is a must today. 

 

 

The post How to Spot Phishing Emails and Scams appeared first on McAfee Blog.

Too Much Caffeine? Phishing-as-a-Service Makes Us Jittery

24 January 2023 at 09:00

Recently, investigators at Mandiant discovered a new software platform with an intuitive interface. The service has tools to orchestrate and automate core campaign elements. Some of the platform’s features enable self-service customization and campaign tracking.

Sounds like a typical Software-as-a-Service (SaaS) operation, right? Well, this time, it’s Caffeine, the latest Phishing-as-a-Service (PhaaS) platform. A basic subscription costs $250 a month; all you need is an email to sign up.

How Caffeine PhaaS is Different

PhaaS vendors advertise and sell their products as phishing kits. A phishing kit includes everything required to launch a successful phishing attack, such as email templates and even templates for rogue websites to send victims to. Some phishing kits also include lists of potential targets.

As per Mandiant, what makes Caffeine different from most other PhaaS offerings is its low barrier of entry. To sign up for Caffeine services, only an email is required. Unlike Caffeine, other PhaaS platforms typically only communicate through referrals, underground forums or encrypted messaging. Also, Caffeine provides email templates directed at Russian and Chinese targets, which is unusual for PhaaS.

Other Caffeine features include:

  • Tools to orchestrate and automate phishing campaigns
  • Self-service phishing kit customization
  • Capability to manage intermediary redirect pages and final-stage lure pages
  • Dynamic URL generation for hosted malicious payloads
  • Ability to track campaign email activity
  • Caffeine news feed: announces feature updates and expansions of accepted cryptocurrencies.

According to Mandiant, the average PhaaS platform costs from $50 to $80, making Caffeine relatively expensive. Caffeine may be pricier due to its unlimited customer service support options and its extensive anti-detection and anti-analysis features.

Rise of Commercialized Attack Services

Caffeine represents a continued trend of Cyber-Crime-as-a-Service, which makes it easy for non-technical adversaries to launch massive attacks. Like legitimate subscription-based software, the programming and business organization behind these attack platforms is highly sophisticated. Caffeine even offers three service tiers (Basic, Professional and Enterprise at $250, $450 and $850 per month, respectively).

Undoubtedly, security professionals wince when they compare the low cost of phishing services versus the $4.35 million average cost of a data breach.

Phishing Attack Protection

Given the ease of access to phishing attack kits, companies must implement effective anti-phishing security. Training employees to be aware of these scams is a key starting point. Some organizations will even send out internal bogus phishing emails to keep team members on their toes. Still, even with the best training, attacks can slip through the cracks. For this reason, more comprehensive strategies are required.

Solutions, such as security information and event management (SIEM), have evolved to include advanced analytics such as user behavior analytics (UBA), network flow insights and artificial intelligence (AI) to accelerate detection. SIEM also integrates with security orchestration, automation and response (SOAR) platforms for incident response and remediation.

Other approaches, such as zero trust, manage privileged access to ensure that users are only granted access to data essential to their jobs.

The growth of nefarious services like Caffeine makes us jittery. Solid, well-developed security can help keep us calm.

The post Too Much Caffeine? Phishing-as-a-Service Makes Us Jittery appeared first on Security Intelligence.

An IBM Hacker Breaks Down High-Profile Attacks

24 January 2023 at 06:00

On September 19, 2022, an 18-year-old cyberattacker known as “teapotuberhacker” (aka TeaPot) allegedly breached the Slack messages of game developer Rockstar Games. Using this access, they pilfered over 90 videos of the upcoming Grand Theft Auto VI game. They then posted those videos on the fan website GTAForums.com. Gamers got an unsanctioned sneak peek of game footage, characters, plot points and other critical details. It was a game developer’s worst nightmare.

In addition, the malicious actor claimed responsibility for a similar security breach affecting ride-sharing company Uber just a week prior. According to reports, they infiltrated the company’s Slack by tricking an employee into granting them access. Then, they spammed the employees with multi-factor authentication (MFA) push notifications until they gained access to internal systems, where they could browse the source code.

Incidents like the Rockstar and Uber hacks should serve as a warning to all CISOs. Proper security must consider the role info-hungry actors and audiences can play when dealing with sensitive information and intellectual property.

Stephanie Carruthers, Chief People Hacker for the X‑Force Red team at IBM Security, broke down how the incident at Uber happened and what helps prevent these types of attacks.

“But We Have MFA”

First, Carruthers believes one potential and even likely scenario is the person targeted at Uber may have been a contractor. The hacker likely purchased stolen credentials belonging to this contractor on the dark web — as an initial step in their social engineering campaign. The attacker likely then used those credentials to log into one of Uber’s systems. However, Uber had multi-factor authentication (MFA) in place, and the attacker was asked to validate their identity multiple times.

According to reports, “TeaPot” contacted the target victim directly with a phone call, pretended to be IT, and asked them to approve the MFA requests. Once they did, the attacker logged in and could access different systems, including Slack and other sensitive areas.

“The key lesson here is that just because you have measures like MFA in place, it doesn’t mean you’re secure or that attacks can’t happen to you,” Carruthers said. “For a very long time, a lot of organizations were saying, ‘Oh, we have MFA, so we’re not worried.’ That’s not a good mindset, as demonstrated in this specific case.”

As part of her role with X-Force, Carruthers conducts social engineering assessments for organizations. She has been doing MFA bypass techniques for clients for several years. “That mindset of having a false sense of security is one of the things I think organizations still aren’t grasping because they think they have the tools in place so that it can’t happen to them.”

Social Engineering Tests Can Help Prevent These Types of Attacks

According to Carruthers, social engineering tests fall into two buckets: remote and onsite. She and her team look at phishing, voice phishing and smishing for remote tests. The onsite piece involves the X-Force team showing up in person and essentially breaking and entering a client’s network. During the testing, the X-Force teams attempt to coerce employees into giving them information that would allow them to breach systems — and take note of those who try to stop them and those who do not.

The team’s remote test focuses on an increasingly popular method: layering the methods together almost like an attack chain. Instead of only conducting a phishing campaign, this adds another step to the mix.

“What we’ll do, just like you saw in this Uber attack, is follow up on the phish with phone calls,” Carruthers said. “Targets will tell us the phish sounded suspicious but then thank us for calling because we have a friendly voice. And they’ll actually comply with what that phishing email requested. But it’s interesting to see attackers starting to layer on social engineering approaches rather than just hoping one of their phishing emails work.”

She explained that the team’s odds of success go up threefold when following up with a phone call. According to IBM’s 2022 X-Force Threat Intelligence Index, the click rate for the average targeted phishing campaign was 17.8%. Targeted phishing campaigns that added phone calls (vishing, or voice phishing) were three times more effective, netting a click from 53.2% of victims.

What Is OSINT — and How It Helps Attackers Succeed

For bad actors, the more intelligence they have on their target, the better. Attackers typically gather intelligence by scraping data readily available from public sources, called open source intelligence (OSINT). Thanks to social media and publicly-documented online activities, attackers can easily profile an organization or employee.

Carruthers says she’s spending more time today doing OSINT than ever before. “Actively getting info on a company is so important because that gives us all of the bits and pieces to build that campaign that’s going to be realistic to our targets,” she said. “We often look for people who have access to more sensitive information, and I wouldn’t be surprised if that person (in the Uber hack) was picked because of the access they had.”

For Carruthers, it’s critical to understand what information is out there about employees and organizations. “That digital footprint could be leveraged against them,” she said. “I can’t tell you how many times clients come back to us saying they couldn’t believe we found all these things. A little piece of information that seems harmless could be the cherry on top of our campaign that makes it look much more realistic.”

Tangible Hack Prevention Strategies

While multi-factor authentication can be bypassed, it is still a critical security tool. However, Carruthers suggests that organizations consider deploying a physical device like a Fido2 token. This option shouldn’t be too difficult to manage for small to medium-sized businesses.

“Next, I recommend using password managers with long, complex master passwords so they can’t be guessed or cracked or anything like that,” she said. “Those are some of the best practices for applications like Slack.”

Of course, no hacking prevention strategies that address social engineering would be complete without security awareness. Carruthers advises organizations to be aware of attacks out in the wild and be ready to address them. “Companies need to actually go through and review what’s included in their current training, and whether it’s addressing the realistic attacks happening today against their organization,” she said.

For example, the training may teach employees not to give their passwords to anyone over the phone. But when an attacker calls, they may not ask for your password. Instead, they may ask you to log in to a website that they control. Organizations will want to ensure their training is always fresh and interactive and that employees stay engaged.

The final piece of advice from Carruthers is for companies to refrain from relying too heavily on security tools. “It’s so easy to say that you can purchase a certain security tool and that you’ll never have to worry about being phished again,” she said.

The key takeaways here are:

  • Incorporate physical devices into MFA. This builds a significant roadblock for attackers.
  • Try to minimize your digital footprint. Avoid oversharing in public forums like social media.
  • Use password managers. This way, employees only need to remember one password.
  • Bolster security awareness programs with particular focus on social engineering threats. Far too often, security awareness misses this key element.
  • Don’t rely too heavily on security tools. They can only take your security posture so far.

Finally, it’s important to reiterate what Carruthers and the X-Force team continue to prove with their social engineering tests: a false sense of security is counterproductive to preventing attacks. A more effective strategy combines quality security practices with awareness, adaptability and vigilance.

Learn more about X-Force Red penetration testing services here. To schedule a no-cost consult with X-Force, click here.

The post An IBM Hacker Breaks Down High-Profile Attacks appeared first on Security Intelligence.

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