2024年7月2日，新加坡內政部長尚穆根在國會書面答覆荷蘭-武吉知馬集選區議員迪舒沙有關警方為打擊定期存款詐騙而採取的措施。
以下內容為新加坡眼根據國會英文資料翻譯整理：
12 迪舒沙（荷蘭-武吉知馬集選區議員）先生詢問內政部長：新加坡警方如何打擊通過釣魚簡訊引發的定期存款詐騙？
尚穆根（內政部長）先生：作為反詐騙策略的一部分，警方發布了有關詐騙變種的諮詢，並在其每周詐騙報告中分享了這些建議。其中包括關於定期存款詐騙變種的通告，該變種在 2024 年初報告的案件有所增加。該詐騙變種涉及冒充銀行的社交媒體服務 (SMS)，向受害者提供高利率的定期存款計劃促銷，並邀請他們聯繫一個號碼。
當受害人主動聯繫時，騙子會假裝以受害人的名義開設了銀行帳戶。在某些情況下，受害者會收到偽造的銀行對帳單，顯示以他們的名義開設的新銀行帳戶。然後，受害人會收到指示，將錢存入或轉入這些銀行帳戶，而這些帳戶實際上屬於騙子或 「錢騾」。受害者只有在登錄自己的銀行應用程式時才會意識到自己被騙並發現無法找到已創建的所謂銀行帳戶。
反詐騙跨部門委員會實施了多項反詐騙措施，有助於打擊這種詐騙變種。
為了阻止詐騙簡訊，新加坡資訊通信媒體發展管理局 (IMDA) 於2023年1月要求在新加坡簡訊發件人 ID 註冊中心 (SSIR) 註冊。現在，需要向新加坡手機號碼發送帶有字母數字發件人 ID 的簡訊的組織必須在 SSIR 註冊。帶有未註冊簡訊發送 ID 的簡訊將被標記為「疑似詐騙」（ 「Likely-SCAM」），以提醒收件人謹慎行事。新加坡所有零售銀行都已根據 SSIR 註冊了發件人 ID，銀行發出的合法簡訊只能通過註冊的發件人 ID 發送。為了進一步保護公眾免受詐騙簡訊的侵害，資訊通信媒體發展管理局 (IMDA) 目前正在與電信公司 (telcos) 合作，為公眾提供不接收國際來電簡訊的選項。
為了檢測和舉報詐騙，我們推出了 ScamShield，它可以識別和阻止詐騙電話和簡訊。該系統還設有舉報功能，公眾可以通過手機舉報疑似詐騙電話和簡訊。警方還與電信公司密切合作，封鎖涉嫌參與詐騙的移動線路。2023 年，超過 9,200 條被認為用於詐騙的移動線路被提交終止。
歸根結底，防範詐騙的最佳辦法是提高公眾的辨別能力。我們呼籲公眾通過 「加」、「查 」和 「報 」這三個簡單步驟採取預防措施。
首先，「加」ScamShield 應用程式，保護自己免受詐騙電話和簡訊的侵害。為數字帳戶設置安全功能，例如多因素身份驗證，以及為網上銀行設置交易限額。第二，「查」詐騙跡象和官方來源。對銀行提供的不切實際的高利率要謹慎。銀行只會使用註冊的發件人 ID 向您發送簡訊。他們絕不會使用個人號碼或可點擊連結發送簡訊。如有疑問，請直接撥打銀行官方熱線以驗證銀行優惠的真實性。第三，「報」，通報您的家人和朋友有關詐騙遭遇，並立即向銀行報告任何欺詐交易。
周凱年（蔡厝港集選區議員）先生詢問內政部長，關於最近由新加坡警方（SPF） 跨司法管轄區行動小組領導的逮捕惡意軟體詐騙犯和打擊此類網絡犯罪分子的在線基礎設施的行動，在促進跨司法管轄區調查和執法（包括追回從此類網絡犯罪所得資產）和更好地保護我們的在線設備免受此類網絡犯罪侵害方面有哪些經驗教訓？
尚穆根（內政部長）先生：打擊詐騙和網絡犯罪極具挑戰性。大多數案件都是新加坡境外的犯罪集團所為。他們善於利用技術掩蓋行蹤。他們經營著複雜的跨國業務，很難被發現，更不用說摧毀了。追回詐騙所得也很困難，尤其是當資金已轉移到海外時。我們能否偵破這些案件和追回詐騙所得，主要取決于海外執法機構的合作和能力。
議員提到的案件就說明了這一點。在本案中，兩名男子因涉嫌參與針對新加坡人的惡意軟體詐騙而被法庭起訴，這類詐騙自 2023 年 6 月以來一直在進行。他們的被捕及其詐騙基礎設施的搗毀有賴於警方與馬來西亞、香港和台灣警方的緊密合作。
儘管這次行動取得了成功，但仍有更多的網絡犯罪分子逍遙法外。因此，應對詐騙和網絡犯罪的最有效方法是防患於未然。因此，我們一直在加倍努力開展公眾教育。包括銀行、電信公司、設備製造商和在線平台在內的行業利益相關者也發揮著至關重要的作用。我們的機構將繼續與他們合作，採取上游措施保護其用戶。
以下是英文質詢內容：
12 Mr Christopher de Souza asked the Minister for Home Affairs how is the Singapore Police Force combating the fixed deposit scams that arise from phishing SMSes.
Mr K Shanmugam: As part of its anti-scam strategy, the Police issues advisories on scam variants and also shares them in its Weekly Scam Report. These include an advisory on the fixed deposit scams variant, which saw an increase in reported cases in early 2024. The scam variant involves Social Media Services (SMSes) impersonating banks, offering victims fixed deposit scheme promotions with high interest rates and inviting them to contact a number.
When the victims initiate contact, the scammers would pretend to have opened bank accounts under the victims' names. In some cases, victims would receive forged bank statements showing the new bank accounts in their name. Victims would, then, be instructed to deposit or transfer money into these bank accounts, which, in fact, belonged to the scammers or money mules. The victims would only realise that they had been scammed when they log into their banking application and were not able to find the supposed bank accounts that had been created.
The Inter-Ministry Committee on Scams has implemented several anti-scam measures which can help combat this scam variant.
To block scam SMSes, the Infocomm Media Development Authority (IMDA) mandated registration with the Singapore SMS Sender ID Registry (SSIR) in January 2023. Organisations needing to send SMSes bearing alphanumeric Sender IDs to Singapore mobile numbers, are now required to register with the SSIR. SMSes bearing non-registered SMS Sending IDs will be labelled as "Likely-SCAM" to advise recipients to exercise caution. All retail banks in Singapore have registered their Sender IDs under the SSIR and legitimate SMSes from banks would only be sent via registered Sender IDs. To further protect the public against scam SMSes, IMDA is currently working with the telecommunication companies (telcos) to provide the public with the option not to receive international incoming SMSes.
To detect and report scams, we launched ScamShield, which identifies and blocks scam calls and SMSes. It also comprises a reporting function where members of the public can report suspected scam calls and SMSes via their phones. The Police also work closely with telcos to block mobile lines suspected to be involved in scams. In 2023, more than 9,200 mobile lines, which were believed to be used in scams, were submitted for termination.
Ultimately, the best defence against scams is a discerning public. We urge the public to adopt precautionary measures through the three simple steps of "Add", "Check" and "Tell".
First, "Add" the ScamShield App to protect yourself from scam calls and SMSes. Set security features, such as multifactor authentication, for digital accounts and transaction limits for Internet banking. Second, "Check" for scam signs and with official sources. Be cautious of bank offers with unrealistically high interest rates. Banks will only send you SMSes using registered Sender IDs. They will never send SMSes using personal numbers or with clickable links. If in doubt, call the bank directly at its official hotline to verify the authenticity of bank offers. Third, "Tell" your family and friends about scam encounters and report any fraudulent transactions to the bank immediately.
Mr Zhulkarnain Abdul Rahim asked the Minister for Home Affairs in relation to the recent arrest of perpetrators of malware-operated scams and the crackdown of the online infrastructure of such cybercriminals led by the SPF's multi-jurisdiction operation team, what are the lessons learnt to (i) facilitate such investigation and enforcement across jurisdictions including recovery of assets from the proceeds of such cybercrimes and (ii) better safeguard our online devices against such cybercrimes.
