Phase 2 — Digital and Emerging Schemes · 9 min read
12 · AI-Assisted Documents and Impersonation
Invoices, signatures, and communications fabricated or altered with generative AI tools.
01The fabricated record
Generative tools can now produce invoices, receipts, bank statements, and even voice and video that look genuine. A fraudster no longer needs a real transaction to create a document that supports one. The defense is the same as it has always been: never accept a document as evidence of itself. Confirm against the independent source.
- Invoices and statements that do not reconcile to the issuer's own records.
- Signatures that appear identical across unrelated documents, or that differ from known samples.
- Emails or messages authorizing payments that bypass the normal approval chain.
- Documents with metadata, fonts, or formatting inconsistent with the claimed source.
Verify every material document directly with the institution that issued it. A statement confirmed by the bank defeats any fabrication.
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10 · Payment Apps and Unauthorized Payment Links
Customer payment links pointing to a personal account on a consumer payment app.
11 · Leads and Customers Redirected Through Social Media
Business-generated leads and customers steered to a competing venture owned by the fraudster.
13 · Cryptocurrency Receipts Diverted to Private Wallets
Crypto payments accepted on the business's behalf but routed to a wallet the partners cannot see.
14 · Fictitious Customers Used to Hide Missing Inventory
Fake sales to nonexistent customers that explain away inventory that was actually stolen.