How to Protect Yourself and Others Around You?

Scams tend to target people from all backgrounds, ages, and income levels. They often succeed in deceiving individuals as they aim to catch you off guard!

Nowadays, scammers are getting smarter by taking advantage of the latest technology, new products or services, and major events to create believable stories to convince you to give them your money.

Here is an easy-to-remember tip! This 3S concept will help you and others from becoming a victim:


  1. SPOT
    Spot a financial scam early! Here is where sufficient knowledge and skills are key.

  2. STOP
    As soon as you spot a scammer, stop! If you believe you’re dealing with a scammer, stop responding to them. Breathe. Record any details you can remember that may help authorities identify the scammer before making an official report.

  3. SHARE
    Share your experiences with others especially family and friends to heighten everyone’s awareness on financial scams.

But how can I SPOT a financial scam?

Always keep in mind the following:

  1. Be alert to the fact that scams do exist.

  2. Their tricks and scripts are tailored according to new developments and scenarios.

  3. Know who you're dealing with. Do not simply trust calls, emails or text messages received from any unknown sender.
    1. Remember, government agencies or banking institutions will never discuss or request your personal information via telephone!

    2. For love scams: Do not be blinded by love especially those who try to sway you using absurd promises and rewards.

  4. Do not open any suspicious texts or pop-up windows and never click on links or attachments from unknown emails. This could be a bait for phishing activities, where the criminal will attempt to steal personal information stored in your mobile phone/computer or take control of your financial accounts.

  5. Beware of any requests for your personal details or money and be wary of unusual payment requests. Frequently check your account activities for unexplained deposits or withdrawals.

  6. Avoid responding to phone calls when someone is asking for remote access to your computer.

  7. Stay updated on the latest news and tips by following the Amaran Scam Facebook: https://www.facebook.com/amaranpenipuan/

Feeling suspicious? Here are where you can verify certain things:

Is the bank account given to you for that urgent transfer legitimate? Check out this website https://semakmule.rmp.gov.my/ or download the Semak Mule Mobile App by Polis Diraja Malaysia (PDRM).


Do you think maybe an offer you just received could be too good to be true? The following links may be helpful!

  1. Financial Fraud Alert Page: https://www.bnm.gov.my/web/financial-fraud-alert
  2. Financial Consumer Alert: https://www.bnm.gov.my/financial-consumer-alert-list
  3. Investor Alert List: https://www.sc.com.my/regulation/enforcement/investor-alerts/sc-investor-alerts/investor-alert-list

Disclaimer: Do note that due to the nature of financial crimes, this list, although useful, is not exhaustive.

How to Protect Yourself and Others Around You?
Money Mule Edition

Crime syndicates often target vulnerable people to become money mules by tempting them with cash in exchange for access to their bank accounts. Money mules effectively allow these syndicates to receive, store, and move illegal funds through their bank accounts.


Be vigilant and do not fall victim to mule account scams:

  1. Do not share your personal banking details or allow anyone access to your bank account.

  2. Do not accept any ‘profitable’ job offers that promise fast returns but require you to handover your ATM card and/or personal banking details.

  3. Do not help anyone to receive and/or transfer funds to third parties using your bank account.

  4. Do not be deceived by any promises of high returns if you’re approached by any syndicates.

  5. Watch this informative video: AWAS! Anda mungkin keldai akaun yang dikehendaki! https://www.youtube.com/watch?v=OsWHDf4OM7I

Remember! Enforcement action will be taken if you are found to be involved in money mule activities.

  1. You can be charged under similar provisions of the syndicate, as these actions constitute as abetting or assisting them.

  2. Your bank account will be blocked and with such criminal records, you will not be able to make any future banking transactions including opening new accounts and transferring money.