Scottish comedian Paul Black is working with Royal Bank of Scotland as part of a new campaign aiming to raise awareness of the rising prevalence of money muling – an activity where targets are recruited to channel illicit funds through their personal bank accounts.
On Tuesday, 1st March, Paul will be taking to the streets of Edinburgh as the “money mule man” and approaching people to look after money. If they simply say no, they will be rewarded with a £100 cash prize, while those who say yes will go home empty handed.
The new campaign from Royal Bank of Scotland aims to raise awareness of money muling and support people in being vigilant about the ways criminals might try and exploit them by making use of their bank account.
The number of money mules has increased dramatically since the start of the pandemic and over 17,000 suspected cases involving 21- to 30-year-olds were recorded in 2020 according to Cifas, the UK’s leading fraud prevention body.
Rising social media usage during lockdown is thought to be linked to the spike, with criminals using apps such as Snapchat and Instagram to recruit targets.
Money muling often involves criminals recruiting young people to use their bank accounts to move cash which has been illegally stolen or transferred from another account.
Despite the upsurge in money muling, many young people are unaware of the consequences of allowing criminals access to their accounts – with those caught facing up to a fourteen-year prison sentence and a lifetime ban from holding a bank account.
Cifas research has found that the number of 14–18-year-olds charged with money muling offenses to have risen by 73% since 2020.
Commenting on the campaign, Paul Black said:“To be honest, I’d never heard of money muling until recently, but I think that’s the key issue – people are letting criminals channel money through their bank accounts with no idea that what they’re doing is actually against the law.
“Hopefully, this new campaign will encourage people to think twice if they’re approached by a random and offered cash to let money sit in their bank for a few days. If it seems too good to be true, it probably is.
“On Tuesday, I’ll be out and about in Edinburgh to see if members of the public are clued up on money muling and find out who’s smart enough to win 100 quid!”
A Royal Bank of Scotland spokesperson, said: “The message is simple: if approached to be a money mule, always say no.
“The consequences of becoming involved in this type of crime are severe, your bank account will be closed down and you could end up in prison.”
Police are appealing for the public’s help to trace two electric bikes which were stolen from the South Queensferry area.
A green Cube Cross 500 and a purple Scott Sub Active 10 were stolen from a secured garage between Tuesday 1 and Friday 4 February 2022.
Anyone who may have seen these bikes since they were stolen, or has information on their current whereabouts, is urged to contact Police Scotland on 101 quoting incident number 2661 of 4 February 2022 or anonymously via the charity Crimestoppers on 0800 555 111.
Beware of scams when looking for love online, especially if someone quickly declares strong feelings for you.
Take a moment to #Stop and #Challenge whether the person is who they say they are by reverse image searching their profile picture (possible on the search bar of some image searching engines).
In the first half of 2021 alone, over £15 million was lost to romance scams. Ahead of Valentine’s Day, Take Five to Stop Fraud and the Online Dating Association share how to spot the warning signs and keep your savings – as well your heart – safe.
TRUE LOVE OR FAKE PROFILE?
Criminals use information found on social media to create fake identities to target people with scams. They go to great lengths to build fake profiles, often stealing photos. Once fraudsters connect with you on dating sites, social media or gaming platforms, they’ll try to establish a relationship quickly. Many use the promise of buying a house together or getting married to trick you into falling in love with them.
Want to know how to spot a fake profile? Do your research first. You can check if the person you’re talking to is really who they say they are by reverse image searching their profile picture (possible on the search bar of some image search engines).
‘MONEY’ AT FIRST SIGHT?
After gaining your trust and convincing you that you’re in a genuine relationship, criminals then try and persuade you to send them money. Online daters should be aware of the actions fraudsters will use to manipulate them into parting with their money as unfortunately this is becoming more common. 38% of people who dated someone they met online said they were asked for money -. The average amount of money people were asked for was £345, although some were asked for more than £1,000.
Of those that were asked to give or lend money by someone they met online, over half (57 per cent) did so – putting them at risk of falling for a romance scam.
The three most common reasons people were asked for money were:
Claiming they need money for an emergency (37%)
To cover transport costs to visit you if they’re overseas (36%)
To help them make an investment (29%)
HOW TO PROTECT YOUR MONEY
If you’re ever asked for cash from someone you’ve never met in person then alarm bells should start ringing – it could be a scam.Ahead of Valentine’s Day, the Take Five to Stop Fraud campaign and the Online Dating Association is advising people how to stay safe from romance scams when dating online:
Be suspicious of any requests for money from someone you have never met in person, particularly if you have only recently met online.
Speak to your family or friends to get advice and share experiences. Friends and family can watch for any change in behaviour.
Profile photos may not be genuine, so you should make sure to do your research first. You can do this by uploading a picture of the person you’re talking to into your search engine to check that profile photos are not associated with another name. Performing a reverse image search can find photos that have been taken from somewhere, or someone, else.
Stay on the dating sites messaging service until you’re confident the person is who they say they are and ensure meetings in person take place in a public place. Online dating platforms have moderation and reporting processes in place to protect daters and remove scammers.
Contact your bank straight away if you think you may have fallen for a romance scam, notify Action Fraud and let the platform on which you met the scammer know about the incident
DODGY DATE?
Criminals are heartlessly targeting people online to trick them into handing over their money as a sign of love.
Stop, and take the time to think about the person behind the profile, get to know your date, and don’t send money to someone you’ve only met online.
Here’s some warning signs to watch out for that your date could be a scammer:
You’ve met someone online and they declare strong feelings for you after a few conversations
They suggest moving the conversation away from the dating website or social media to a more private channel such as email, phone or instant messaging
Their profile on the internet dating website or their social media page isn’t consistent with what they tell you
There are spelling and grammar mistakes, inconsistencies in their stories and they make claims such as their camera isn’t working
They refuse to video call/meet you in person
They get angry or try and rush you if you insist on staying on the dating site or ask to meet face to face.
Photos generally tend to be stolen from other people: check by doing a reverse image search and uploading a picture of the person you’re talking to into your search engine
You’re asked to send money to someone you have not met face-to-face, either through bank/money transfer or through the purchase of gift cards or presents such as phones and laptops. You may even be asked to provide them with access to your bank account or card
Upon questioning your friend or family member, they may become very secretive about their relationship or provide excuses for why their online partner has not video called or met them in person. They might become hostile or angry, and withdraw from conversation when you ask any questions about their partner
For more advice on how to stay safe from scams, visit the Take Five to Stop Fraud website and the Online Dating Association set of resources.
Enquiries are continuing following a housebreaking in Silverknowes on Monday evening (7 February, 2022).
Around 8pm, police received a report of a house in Silverknowes Gardens being broken into. Officers attended and the rear door to the property had been smashed. No-one was within the house at the time and an assessment of what has been taken is under way.
Enquiries carried out so far have revealed that following the break-in the suspect(s) got into a beige or gold coloured Nissan Note car. The registration of the car is GF60 XZH but it is possible the registration plate has been changed.
The Nissan Note was stolen from the Davidson Mains area last month and officers are appealing to anyone who may have seen it to contact them.
Door-to-door enquiries are being carried out and officers are gathering and reviewing relevant CCTV footage for any further information on the suspect(s) and the Nissan Note.
Detective Sergeant Steven Dick said: “It appears the Nissan Note is being used by the suspect(s) to leave the scene and transport any stolen items.
“We should all feel protected in our homes, and know that our personal items and objects are safe from thieves. I am asking for the public’s help in trying to locate this vehicle. If anyone has seen it or noticed it parked up somewhere then please do get in touch with us.
“Your information could help us trace whoever is responsible and allow us to return any stolen items to their rightful owners.”
Anyone with information is asked to call Police Scotland via 101, quoting incident number 3026 of 7 February, 2022. Alternatively, please call Crimestoppers on 0800 555 111 where you can give information anonymously.
Bill strengthened with new list of criminal content for tech firms to remove as a priority
List includes online drug and weapons dealing, people smuggling, revenge porn, fraud, promoting suicide and inciting or controlling prostitution for gain
New criminal offences will be added to the bill to tackle domestic violence and threats to rape and kill
Flagship UK laws to protect people online are being toughened up with new criminal offences and extra measures to force social media companies to stamp out the most harmful illegal content and criminal activity on their sites quicker.
Digital Secretary Nadine Dorries has announced extra priority illegal offences to be written on the face of the bill include revenge porn, hate crime, fraud, the sale of illegal drugs or weapons, the promotion or facilitation of suicide, people smuggling and sexual exploitation. Terrorism and child sexual abuse are already included.
Previously the firms would have been forced to take such content down after it had been reported to them by users but now they must be proactive and prevent people being exposed in the first place.
It will clamp down on pimps and human traffickers, extremist groups encouraging violence and racial hate against minorities, suicide chatrooms and the spread of private sexual images of women without their consent.
Naming these offences on the face of the bill removes the need for them to be set out in secondary legislation later and Ofcom can take faster enforcement action against tech firms which fail to remove the named illegal content.
Ofcom will be able to issue fines of up to 10 per cent of annual worldwide turnover to non-compliant sites or block them from being accessible in the UK.
Three new criminal offences, recommended by the Law Commission, will also be added to the Bill to make sure criminal law is fit for the internet age.
Digital Secretary Nadine Dorries said: “This government said it would legislate to make the UK the safest place in the world to be online while enshrining free speech, and that’s exactly what we are going to do.
“Our world leading bill will protect children from online abuse and harms, protecting the most vulnerable from accessing harmful content, and ensuring there is no safe space for terrorists to hide online.
“We are listening to MPs, charities and campaigners who have wanted us to strengthen the legislation, and today’s changes mean we will be able to bring the full weight of the law against those who use the internet as a weapon to ruin people’s lives and do so quicker and more effectively.”
Home Secretary Priti Patel said: “The internet cannot be a safe haven for despicable criminals to exploit and abuse people online.
Companies must continue to take responsibility for stopping harmful material on their platforms. These new measures will make it easier and quicker to crack down on offenders and hold social media companies to account.”
The new communications offences will strengthen protections from harmful online behaviours such as coercive and controlling behaviour by domestic abusers; threats to rape, kill and inflict physical violence; and deliberately sharing dangerous disinformation about hoax Covid-19 treatments.
The UK Government is also considering the Law Commission’s recommendations for specific offences to be created relating to cyberflashing, encouraging self-harm and epilepsy trolling.
To proactively tackle the priority offences, firms will need to make sure the features, functionalities and algorithms of their services are designed to prevent their users encountering them and minimise the length of time this content is available. This could be achieved by automated or human content moderation, banning illegal search terms, spotting suspicious users and having effective systems in place to prevent banned users opening new accounts.
New harmful online communications offences:
Ministers asked the Law Commission to review the criminal law relating to abusive and offensive online communications in the Malicious Communications Act 1988 and the Communications Act 2003.
The Commission found these laws have not kept pace with the rise of smartphones and social media. It concluded they were ill-suited to address online harm because they overlap and are often unclear for internet users, tech companies and law enforcement agencies.
It found the current law over-criminalises and captures ‘indecent’ images shared between two consenting adults – known as sexting – where no harm is caused. It also under-criminalises – resulting in harmful communications without appropriate criminal sanction.
In particular, abusive communications posted in a public forum, such as posts on a publicly accessible social media page, may slip through the net because they have no intended recipient. It also found the current offences are sufficiently broad in scope that they could constitute a disproportionate interference in the right to freedom of expression.
In July the Law Commission recommended more coherent offences. The Digital Secretary today confirms new offences will be created and legislated for in the Online Safety Bill.
The new offences will capture a wider range of harms in different types of private and public online communication methods. These include harmful and abusive emails, social media posts and WhatsApp messages, as well as ‘pile-on’ harassment where many people target abuse at an individual such as in website comment sections. None of the offences will apply to regulated media such as print and online journalism, TV, radio and film.
The offences are:
A ‘genuinely threatening’ communications offence, where communications are sent or posted to convey a threat of serious harm.
This offence is designed to better capture online threats to rape, kill and inflict physical violence or cause people serious financial harm. It addresses limitations with the existing laws which capture ‘menacing’ aspects of the threatening communication but not genuine and serious threatening behaviour.
It will offer better protection for public figures such as MPs, celebrities or footballers who receive extremely harmful messages threatening their safety. It will address coercive and controlling online behaviour and stalking, including, in the context of domestic abuse, threats related to a partner’s finances or threats concerning physical harm.
A harm-based communications offence to capture communications sent to cause harm without a reasonable excuse.
This offence will make it easier to prosecute online abusers by abandoning the requirement under the old offences for content to fit within proscribed yet ambiguous categories such as “grossly offensive,” “obscene” or “indecent”.
Instead it is based on the intended psychological harm, amounting to at least serious distress, to the person who receives the communication, rather than requiring proof that harm was caused. The new offences will address the technical limitations of the old offences and ensure that harmful communications posted to a likely audience are captured.
The new offence will consider the context in which the communication was sent. This will better address forms of violence against women and girls, such as communications which may not seem obviously harmful but when looked at in light of a pattern of abuse could cause serious distress. For example, in the instance where a survivor of domestic abuse has fled to a secret location and the abuser sends the individual a picture of their front door or street sign.
It will better protect people’s right to free expression online. Communications that are offensive but not harmful and communications sent with no intention to cause harm, such as consensual communication between adults, will not be captured. It will have to be proven in court that a defendant sent a communication without any reasonable excuse and did so intending to cause serious distress or worse, with exemptions for communication which contributes to a matter of public interest.
An offence for when a person sends a communication they know to be false with the intention to cause non-trivial emotional, psychological or physical harm.
Although there is an existing offence in the Communications Act that captures knowingly false communications, this new offence raises the current threshold of criminality. It covers false communications deliberately sent to inflict harm, such as hoax bomb threats, as opposed to misinformation where people are unaware what they are sending is false or genuinely believe it to be true.
For example, if an individual posted on social media encouraging people to inject antiseptic to cure themselves of coronavirus, a court would have to prove that the individual knew this was not true before posting it.
The maximum sentences for each offence will differ. If someone is found guilty of a harm based offence they could go to prison for up to two years, up to 51 weeks for the false communication offence and up to five years for the threatening communications offence.
The maximum sentence was six months under the Communications Act and two years under the Malicious Communications Act.
Professor Penney Lewis, Commissioner for Criminal Law, said: “The criminal law should target those who specifically intend to cause harm, while allowing people to share contested and controversial ideas in good faith.
“Our recommendations create a more nuanced set of criminal offences, which better protect victims of genuinely harmful communications as well as better protecting freedom of expression.
“I am delighted that the Government has accepted these recommended offences.”
Following an increase in antisocial behaviour in the Ferry Road and Telford areas, Operation PAX was instigated – deploying dedicated teams of police officers at key times focussing on engagement, deterrence, disruption and where necessary enforcement.
As a result of recent investigations and working closely with partner agencies at #StrongerNorth an 18-year-old man has been charged with 22 offences and a 15-year-old boy charged with 25 offences relating to antisocial behaviour in the local area.
Police ask that parents and carers speak with their children and young people about the impact of antisocial behaviour to ensure our local community continues to be a safe place to live and work.
Support from members of the public is also vital in helping Police quickly identify those engaging in this behaviour they urge anyone who witnesses an incident to contact them immediately.
Anyone with information regarding antisocial behaviour in their area can contact Police Scotland through 101, the website scotland.police.uk/contact-us or the charity Crimestoppers anonymously on 0800 555 111.
Scottish Environment Protection Agency staff and their work tackling waste crime will be featured as part of investigative journalism programme BBC Disclosure tonight (Monday 31 January) at 7pm.
The programme titled ‘Dirty Business’ will delve into criminal waste activities – ranging from ‘man with a van’ flytipping and waste being burnt in a drum to large scale illegal activities with links to serious organised crime such as abandoned lorry trailers bursting with up to 41 tonnes of waste and illegal landfills.
The documentary sees BBC presenter Sam Poling shadowing staff on complex investigations including a site visit to an unidentified location, where a criminal gang has buried large amounts of waste underground resulting in environmental impact from the release of harmful gases and liquids as the illegal deposit degrades.
Sam also accompanies SEPA staff to a non-compliant site and on a site visit to a legitimate waste operator to see how businesses should be operating to stay within the law and discovers how criminals undercutting these types of businesses can impact on the industry.
Waste crime has a serious and detrimental impact on the environment, communities and compliant businesses, costing Scottish taxpayers tens of millions a year in clean-up costs, avoided tax and lost revenue.
Dedicated enforcement
As part of its ongoing commitment to tackle environmental crime and as an environment protection agency ready to tackle the challenges of the 21st Century, SEPA launched a dedicated intelligence and enforcement function in October 2019 to deal with those types of growing activities.
SEPA’S investigative waste enforcement work includes the monitoring of over 234 active cases including 31 high priority sites, some linked to serious and organised crime activities.
We work closely with partners such as Police Scotland, the Joint Unit for Waste Crime, Serious Organised Crime Task Force and cross border agencies to share information and work together to use powers that partners have to tackle this behaviour, using the latest technologies to help ensure we detect criminal activity and have the most accurate picture possible.
Working together in this way means that we can make it harder for criminals to get a foot in legitimate waste businesses, and where these sites have appeared it will become easier to require those responsible to clean them up.
Waste crime stifles legitimate businesses’ opportunities to innovate and improve our environment and there is a need to continue attracting the right businesses to Scotland that will contribute to our economic growth while protecting and enhancing our environment.
Members of the public and businesses must start thinking of ways to do things differently to limit opportunities for criminals to operate and gain a greater awareness of what happens to their waste.
SEPA works with businesses to help them achieve compliance and understand their obligations and Digital Waste Tracking is one of the innovations which could help make compliance easier and help individuals and businesses to track what happens to their waste.
Jennifer Shearer, Head of Enforcement at SEPA, said: “We are warning criminals – your activities are firmly in the spotlight and compliance with Scotland’s environmental laws is non-negotiable. Our dedicated enforcement unit is focussing our efforts on tackling the most serious non-compliance and illegal activity.
“Waste crime is best tackled on a preventative level and this involves a ‘Team Scotland’ partner led approach. By taking part in this programme we aim to highlight the extensive work that SEPA does and make everyone aware of duties they have in assisting in the disruption of these types of activity.
“For us deterring waste crime will take more than issuing fines and taking prosecutions where possible. It requires Scotland to realise the potential in developing vacant and derelict land for better use, engage in multi-agency partnerships and nurture urban and rural communities.
“In Scotland, businesses committed to doing the right thing by our environment will find a regulator that supports innovation and excellence. For those who do the wrong thing they’ll find a regulator that won’t hesitate to act. It is vital that businesses and individuals realise their duty of care, as the best way to stop waste criminals is to cut off their routes to make money.
“Criminals are resourceful, inventive and will find new ways to break the law – especially when money is involved, but Scotland’s enforcement agencies are working together to make sure we find them and stop them.”
Cabinet Secretary for Justice Keith Brown said: “The Scottish Government and partners on the Serious Organised Crime Taskforce are fully committed to disrupting those who see waste disposal as a money-making enterprise that sits alongside other crime types such as violence, drugs, weapons and money laundering.
“These criminals will do anything to increase their wealth through undermining legitimate waste businesses and tricking unsuspecting customers. Partners on the taskforce will use every means at their disposal to ensure these illegal practices stop and that those who dump waste illegally are held accountable.”
Phil Davies, Joint Unit for Waste Crime Manager, said: “The Joint Unit for Waste Crime works to disrupt serious and organised waste crime to reduce the impact on the economy, the environment and local communities.
“Our strength lies in bringing together agencies from across the UK, including the Environment Agency; Natural Resources Wales; the Scottish Environment Protection Agency; the Northern Ireland EA; the police; HMRC; the National Fire Chiefs Council; the British Transport Police and the National Crime Agency.
“Working together as the Joint Unit, we share intelligence and enforcement to more quickly identify, disrupt and deter criminals and make them pay for the damage they inflict on communities and the environment.”
Executive Director of the Environmental Services Association, Jacob Hayler, said: “Waste crime threatens the natural environment, costs the public purse millions of pounds a year and severely undermines investment in responsible, legitimate, recycling and waste treatment operations.
“The Environmental Services Association is highly supportive of robust enforcement action, greater deterrents and tougher penalties on these criminals, who unfortunately all too often view our sector as a soft target.”
Allan MacGregor a member of the Resource Management Association Scotland (RMAS) Management Committee and Chief Executive of the Binn Group, said: “Unscrupulous operators undermine legitimate businesses, stifle investment, and create an uneven playing field.
“We therefore fully support any efforts to crack down on illegal waste dumping activities and stop waste criminals from operating within our industry.”
How you can help
Everyone can help tackle waste crime by refusing to engage waste service providers who are not licenced by, or registered with SEPA, and by checking that the person offering to pick up their waste is a registered waste carrier. You should ask for evidence of this and then ask where they will dispose of the waste and ensure this is a legitimate licensed site. Failing to make these checks is illegal.
Services that sound too good to be true often are – and could lead to waste being illegally fly-tipped or disposed of by other illegitimate means. For criminals carrying out these activities, illegal waste disposal and fly tipping is a serious offence with significant consequences and those caught risk a criminal conviction and a fine and/or imprisonment. SEPA can also issue Variable Monetary Penalties of up to £40,000 as an enforcement tool.
Everyone can assist by being vigilant and reporting any suspicious activity such as:
Trailers left by the roadside or in isolated areas
Increased activity at previously unused sites
Movements of vehicles late at night or very early in the morning
Unusual odours or increased fly activity
SEPA also advises that landowners must be alert to the risk of their land or premises being used for illegal waste deposits and trailer or vehicle owners should also be aware of the risk of theft for use in illegal waste disposal activities.
Members of the public can report suspicious sites and behaviours to SEPA 24 hours a day, seven days a week through our pollution hotline online, sepa.org.uk/report, or call 0800 80 70 60.
Reports of scam HMRC phone calls have fallen by 97% over the last 12 months, latest HM Revenue and Customs (HMRC) figures show, which display a downward trend in reports overall throughout the past year.
Reports of scammers impersonating HMRC in phone calls peaked at 79,477 in March 2021 and fell to just 2,491 in December 2021.
The fall in scam call reports to HMRC has also been seen elsewhere with an 92% drop in phishing email reports and a 97% drop in scam text reports over the last year.
These significant results are testament to some of the work of teams across HMRC in tackling these attempts to defraud people, including dedicated customer protection teams and helplines, tools to refer scams, and use of innovative technologies. It also signals that the public is more aware of cyber criminals and the methods they use to trick people, in part thanks to HMRC’s awareness raising efforts, meaning fewer members of the public have been the subject of scammers and attempts to steal their money.
All of HMRC’s work to protect the public and make people aware of scams and the advice available on GOV.UK, has helped move HMRC from third most phished brand globally to outside the top 100.
Mike Fell, HMRC’s Head of Cyber Security Operations, said:“We work incredibly hard to protect the public from these criminals who ruin lives by stealing from people. It’s great news that fewer people are receiving and reporting these attempted frauds, but it is still important they continue to report suspicious contact to us. We will continue to do everything we can to protect the public from these cynical attempts to impersonate HMRC to steal from people.
“Our advice is – never let yourself be rushed. If someone contacts you saying they are from HMRC, wanting you to urgently transfer money or give personal information, be on your guard. HMRC will never ring up threatening arrest, only criminals do that. Contacts like these should set alarm bells ringing, so take your time and check HMRC scams advice on GOV.UK.”
Some HMRC-themed scams originate abroad. HMRC works closely with national and international law enforcement agencies to combat scams, including collaboration with India as a key international partner in tackling the organised crime groups that run these scams.
Work by the Indian authorities last year resulted in multiple arrests and the closure of criminal call centre operations. In June 2021, 51 people were arrested at two call centres in Delhi, India, that were dedicated to facilitating HMRC scams.
HMRC has a dedicated Customer Protection team working on cyber and phone crime around the clock, closing down scams and sharing intelligence with law enforcement agencies. HMRC also deploys innovative technologies to prevent misleading and malicious communications that impersonate its genuine e-mail channels, from ever reaching the public. Since 2017 these technical controls have allowed HMRC to prevent 500 million bogus emails reaching customers.
More recently, new controls have prevented 90% of the most convincing text messages from reaching the public and joint working with industry partners has prevented the spoofing of most of HMRC’s helpline numbers.
In the last year, HMRC has responded to 670,793 referrals of suspicious contact from the public, with 283,157 of these cases offering bogus tax rebates. Others threaten arrest for tax evasion or offer fake financial support.
As part of HMRC’s action to combat voice scams, the department has set up a direct referral route on GOV.UK where people can report HMRC-related telephone phishing.
HMRC also works with the telecoms industry to remove phone numbers being used to commit HMRC-related phone scams. In December 2021, four phone numbers being used to commit HMRC-related phone scams were removed, which is likely to have prevented hundreds of scam calls being made.
HMRC uses a range of modern methods when communicating with its customers. Criminals will often then try to duplicate those methods to take advantage of people. HMRC is doing everything it can to stay one step ahead of the criminals to keep its customers and their information safe.
