Hi. My name is Charlie.
I'm a Senior Manager with TD Bank, and today I'd like to talk about how I handle fraud.
Before coming to TD, I spent 22 years with a large police department helping citizens who were victimized by in-person crime.
Here at TD, I help our customers with both in-person and digital fraud.
Not every tip will help everybody, but these tips have worked for me, and I hope they'll work for you as well.
If you receive a call, text or email asking you to act or give up personal information, slow down.
If someone came knocking at your front door and was asking you those same questions, would you be quick to answer?
Fraudsters create a sense of urgency and in the hope that you will act quickly and they get what they want.
Update your passwords regularly.
Never use the same password over and over again or on different accounts, and never ever share your password.
This will help protect you from scammers who are trying to access your online accounts.
If fraud happens, don't be embarrassed to ask for help.
People typically are comfortable reporting theft or regular crime, but when they're victims of a scam or fraud, they sometimes feel embarrassed and don't want anybody else to know.
You really need to get somebody involved, whether it's the police, the bank, or a trusted family or friend.
The best way to prevent fraud from happening to others is by talking about it.
The more we talk about it, the more we become self-aware.
The more self-aware we are, the more self-guarded we can be, and less likely we'll be victimized.
In summary, these are my tips.
Slow down.
Keep passwords strong and secure.
Don't be embarrassed to ask for help.
Share your story.
Thanks for listening.
These are my fraud tips.