The Financial Register.

Inward fraud & financial crime, explained for Gen Z

What it looked like from the inside, before anyone knew.

Each file follows one situation from the first friendly message to the frozen account. Read the one closest to yours — the pattern is easier to see in someone else’s story than in your own.

These are the desk’s founding composites — patterns assembled from public documentation and reader reports, not the file of any one person. Reader-sourced case files replace them as editors publish them.

A “refund” → your account → goneA “refund”YOUGone
High riskRemote-access “refund” scamsComposite

The refund that was $9,000 too generous.

A retired teacher was called about a $89 refund for a subscription he had cancelled years earlier. To process it, the caller asked him to install a support app so they could “complete the form together”.

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