xv
Foreword
Rick Youngblood is extremely knowledgeable about fraud and scams and often
sends out warnings to other security professionals to help get the word out about
the latest scheme to prey on unsuspecting victims. In this text, he delivers an up-
to-date assessment of various fraudulent schemes that we hear about on an almost-
daily basis.
We all have received the e-mails and letters touting that we were chosen for a
great opportunity and all we have to do to be a part of this FREE money is “con-
firm” our Social Security number (SSN) (Translation: Give us your SSN.) or send
a check to someone to pay expenses so they can send us a check for $1 million.
Unfortunately, we have not met anyone who has been sent money by a Nigerian
prince or encountered victims who said that someone gave them something for
nothing. ere is always a catch, and many times, the fraudster costs unsuspect-
ing victims their lifetime savings. e old adage is right: “If something sounds too
good to be true, it probably is.” Rick Youngblood is helping inform others. We all
know someone who has either been a victim or who is a potential victim. As more
individuals are educated about scams, the fraudsters change their modus operandi
so victims think they are making good decisions—not realizing they have fallen
victim. e modus operandi of security must change as well.
Lately, we are hearing about businesses or credit card companies that have been
hacked, and many of us were victims simply because we used a debit or credit card
in the wrong place at the wrong time. Unfortunately, we fear this trend will become
more commonplace, and the only way to prevent it from happening is by educating
individuals and enhancing information technology (IT) security protocols. Much
of our personal and confidential information is stored “in the cloud” and is sus-
ceptible to attack. Security professionals such as Rick Youngblood help to keep our
personal information personal.
No one is safe. Bank employees and postal service clerks many times cannot
tell when they see a fraudulent check or money order. e schemes and scams have
become sophisticated and appear to be legitimate. As new software is developed
to either detect or prevent cyberattacks, the scheme becomes more advanced and
xviForeword
evolves to circumvent the controls that are in place. Preventing fraud and scams is
an ever-changing process, and we must quickly adapt to meet the new challenges.
Keep in mind this golden rule: “If it sounds too good, it’s probably a scam.
Lawrence J. Fennelly, CHL III, CPO, CSS
Marianna A. Perry, MS, CPP

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