Social Engineering Scams: New Tactics to Watch For

Using a variety of techniques, criminals are coming up with new and persuasive ways to separate you from your money and login credentials.

Social engineering attacks are no longer limited to clumsy phishing emails or suspicious phone calls. Today’s scams are polished, believable, and increasingly powered by emerging technologies.

The goal is the same as ever: to trick you into handing over something valuable. But the methods are evolving fast. Here’s what’s new in the social engineering toolbox.

AI

Artificial Intelligence tools now make it easy for criminals to craft personalized and convincing messages. AI can mimic writing styles, scan social media for useful details, and generate emails that sound like they’re from your boss or bank. Some AI-generated phishing attempts are so realistic that even tech-savvy users are fooled.

Deception

Scammers are blending multiple tactics to seem more trustworthy. They might call posing as a tech support agent, then follow up with a seemingly legitimate email. Or they may pretend to be a vendor you actually do business with—complete with realistic logos, email footers, and even spoofed caller IDs. The combination of pressure and plausibility is what makes these attacks effective.

Deepfakes

The newest and most alarming trick? Deepfake audio and video, subcategories of AI. With just a few seconds of real footage or audio, scammers can fabricate convincing video calls or voice messages. A deepfake of your CEO asking or a wire transfer may be nearly indistinguishable from the real thing—especially in a high-pressure moment.

 

Bottom line

What can you do in the midst of these developments? Stay cautious, verify everything, and slow down when you feel rushed. If something seems slightly off—an unusual request, a strange tone, or poor timing—take a step back. Your instincts may be your best defense in an era of high-tech deception.

Jeanne D’Arc will NEVER text or call you and ask for:

• Your banking information or full Social Security Number
• Your Online Banking username and/or password
• The PIN or the three-digit code on the back of your debit or credit cards

If you receive a suspicious call and/or text message, especially one that asks for money or personal information, please hang up and call our phone number directly at 978-452-5001. You can also go to your nearest branch to ask a team member for assistance.