Julien Lasalle: Interview with the Deputy Director of Payment Research and Monitoring at the Banque de France

Marc de Beaucorps, CEO of Finovox, had the pleasure of talking to Julien Lasalle, Deputy Director of Payment Studies and Monitoring at the Banque de France. Role of the Bank of France Discover an extract from this new episode of Chasseurs de fraude (Fraud Hunters), which looks at the latest fraud techniques: phishing, payment fraud, smishing and identity theft, practices for preventing and detecting fraud in your organisations and fascinating anecdotes. 

Marc de Beaucorps:

The phone is becoming part of a person's digital identity, so it's important to make sure, on entry, that it's the right person, the right passport and the right home. 

Julien Lasalle : 

In most cases of fraud, such as bogus bank adviser fraud, it is the fraudster who calls the victim. 
More recently, text messages are appearing where the user calls the fraudster. It's very clever! 
You receive a text message, and the first thing you get is the name of a major retailer. We'll tell you straight away 

"For your current purchase, here is the authentication code. If it's not you, please call the anti-fraud department on the number below.

And indeed, we end up with victims who tell us: "I'm the one who called the fraudster". 

When you want to call your bank's anti-fraud centre, you look up the number in a telephone directory, on a bank statement or on your bank's website, but you don't use the number you find at the bottom of a text message. That's your best chance of running into a fraudster. 

We tried it out because we're a bit of a player in the team. We tried calling these numbers: you get a professional voice service with music on hold. When you manage to get someone on the line, you get a real banker, someone very credible and eloquent.  

Marc de Beaucorps: 

I've seen that they have a hierarchy system, which means that if you don't believe in them they can refer you to someone higher up or to the secretary who asks you to wait. 

Julien Lasalle :  

These fraudulent call centres, whether they receive or send calls, are professionals. They have customer management tools known as CRM.

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