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See website for details. 15 00:00:58,640 --> 00:01:04,420 And today, my dear friends, we are going to dedicate this program to a very important topic, 16 00:01:04,420 --> 00:01:09,520 our beloved money. It costs so much money to earn it, to save it for retirement, 17 00:01:09,520 --> 00:01:14,020 to prepare a real heritage, that when someone comes and steals our money, 18 00:01:14,020 --> 00:01:17,120 through fraud, for example, it's very painful. 19 00:01:17,120 --> 00:01:19,420 And that happens to people of all ages. 20 00:01:19,420 --> 00:01:24,600 Obviously, we all know these stories that happen to people of a certain age, 21 00:01:24,600 --> 00:01:27,800 to the older adults, to the grandmothers, to the grandfathers 22 00:01:27,800 --> 00:01:31,200 who are at home and they get a call and they sell them something 23 00:01:31,200 --> 00:01:35,100 or the typical one who goes online and sees an old, precious sofa 24 00:01:35,100 --> 00:01:37,700 and wants to buy it and they go and buy it from someone 25 00:01:37,700 --> 00:01:41,800 they don't even know online and then that person disappears 26 00:01:41,800 --> 00:01:44,600 because the sofa never appeared, what they sold never appeared 27 00:01:44,600 --> 00:01:46,300 and they even block you and everything. 28 00:01:46,300 --> 00:01:51,000 But also, every time digital frauds become more sophisticated 29 00:01:51,000 --> 00:01:54,500 and not only the older adults fall, people of all ages fall 30 00:01:54,500 --> 00:01:59,600 I don't know about you, but every day I receive at least one email 31 00:01:59,600 --> 00:02:04,200 that says your cell phone, your iPhone, your computer 32 00:02:04,200 --> 00:02:08,300 or whatever, or your confirmed trip, a thousand pesos charge 33 00:02:08,300 --> 00:02:12,300 and in small pieces it says, if you think this is a mistake 34 00:02:12,300 --> 00:02:15,300 call this number and there is the fraud. 35 00:02:15,300 --> 00:02:17,000 That is, it is something that did not happen. 36 00:02:17,000 --> 00:02:22,200 Or they grab and send you a bank notice supposedly 37 00:02:22,200 --> 00:02:26,200 and they send it to everyone, right? So let's say if they are 38 00:02:26,200 --> 00:02:30,500 making impostors from a bank, let's say BBVA, they send it to everyone 39 00:02:30,500 --> 00:02:34,100 and a percentage of people have the account there, then they scare 40 00:02:34,100 --> 00:02:38,400 and fall into fraud, that is, every time frauds become more sophisticated. 41 00:02:38,400 --> 00:02:42,600 100,000 complaints a year in Mexico, complaints of frauds 42 00:02:42,600 --> 00:02:47,300 but according to Forze Mexico, 15,000 to 13,000 extortions are registered 43 00:02:47,300 --> 00:02:51,400 every day, every day and the digital world has made things worse. 44 00:02:51,400 --> 00:02:54,100 Today we are going to talk about how to detect it, how to prevent it 45 00:02:54,100 --> 00:02:55,300 and what to do if we already fall. 46 00:02:55,300 --> 00:02:59,100 Monica Turcato, a graduate of the faculty of science at UNAM, will join us 47 00:02:59,100 --> 00:03:02,600 who is director of fraud prevention, precisely from BBVA 48 00:03:02,600 --> 00:03:06,600 and who has 14 years of experience helping people to prevent these frauds. 49 00:03:06,600 --> 00:03:09,400 She will also join the conversation, Zahar Icabello, a graduate 50 00:03:09,400 --> 00:03:14,500 of the acting and mathematics career at ITAM and who has a master's degree 51 00:03:14,500 --> 00:03:18,100 in risk management with 20 years of experience and experience 52 00:03:18,100 --> 00:03:21,400 and if that is not enough, Dr. Raúl Valencia, the bull, who is a doctor 53 00:03:21,400 --> 00:03:23,700 in law at the Panamericana University. 54 00:03:23,700 --> 00:03:28,100 Three super experts who in their hearts, in their mission, are helping us 55 00:03:28,100 --> 00:03:32,200 not to fall into frauds or if we fall, to know what to do. 56 00:03:32,200 --> 00:03:35,800 We open the conversation at marcoantoniorregil.com, diagonal formula 57 00:03:35,800 --> 00:03:41,000 in the confessional and today's question is, have you fallen into any fraud? 58 00:03:41,000 --> 00:03:44,400 Digital fraud, fraud in person, romantic fraud, we are also going to talk 59 00:03:44,400 --> 00:03:48,400 a little bit about romantic frauds. Have you fallen into any fraud? Yes or no? 60 00:03:48,400 --> 00:03:54,000 marcoantoniorregil.com diagonal formula, I was going to say diagonal fraud, no, 61 00:03:54,000 --> 00:03:57,300 diagonal formula and there you can give us your opinion. 62 00:03:57,300 --> 00:04:00,900 So we will be with questions and answers from our public and above all 63 00:04:00,900 --> 00:04:06,700 today with solutions, things that this program can save you from losing 64 00:04:06,700 --> 00:04:11,700 what you have earned or saved with so much work and it can also help you, 65 00:04:11,700 --> 00:04:18,600 help other loved ones who may not be so informed and who can easily fall. 66 00:04:18,600 --> 00:04:22,900 I have been, as much as I am informed, they make them so sophisticated that 67 00:04:22,900 --> 00:04:27,100 on several occasions I have been about to fall. I click and say no, no, no, no, 68 00:04:27,100 --> 00:04:31,100 wait a minute and I'll come back because they also tell you that your Facebook account 69 00:04:31,100 --> 00:04:34,600 has been canceled, that someone hacked your Instagram, that I don't know what, 70 00:04:34,600 --> 00:04:39,900 that is, they are super sophisticated and these people sometimes are in Mexico 71 00:04:39,900 --> 00:04:43,600 but sometimes they are in China, India, the United States, Central America, 72 00:04:43,600 --> 00:04:49,200 other places in the world. They are professional criminals and they even have call centers 73 00:04:49,200 --> 00:04:53,200 and no, no, no, the issue is very sophisticated so it is convenient for you to stay 74 00:04:53,200 --> 00:04:56,900 so that we can learn together and we can achieve our maximum potential 75 00:04:56,900 --> 00:05:00,900 and that includes that they do not steal our money, which is ours and that so much work 76 00:05:00,900 --> 00:05:04,700 cost us to earn it. Let's take a break. I am Marco Antonio Regil in Fórmula. 77 00:05:04,700 --> 00:05:11,700 Stay with us, we'll be right back. 78 00:05:35,700 --> 00:05:37,700 Until February 29th with your authorized distributor. 79 00:05:37,700 --> 00:05:43,700 Today, dear money, financial well-being is part of a full life. 80 00:05:43,700 --> 00:05:47,700 Have a conscious economy, align your values and goals. 81 00:05:47,700 --> 00:05:51,700 Discover the effective way to maintain a balance. 82 00:05:51,700 --> 00:05:54,700 Open your way to financial freedom. 83 00:05:54,700 --> 00:06:00,700 Reach your maximum potential. Marco Antonio Regil in Fórmula. 84 00:06:00,700 --> 00:06:03,700 Dear money, I don't want you to be robbed. 85 00:06:03,700 --> 00:06:05,700 Dear money, I don't want you to make a fraud. 86 00:06:05,700 --> 00:06:11,700 Dear money, today we are dedicating the program to understand that this issue of fraud, 87 00:06:11,700 --> 00:06:14,700 especially digital fraud, there are also romantic frauds and well, 88 00:06:14,700 --> 00:06:17,700 traditional frauds face to face, those are already well known, 89 00:06:17,700 --> 00:06:22,700 but today we are basically talking about online fraud, digital fraud, 90 00:06:22,700 --> 00:06:27,700 phone fraud, how to do it, how to prevent it and it adds to the conversation. 91 00:06:27,700 --> 00:06:31,700 In our survey today, the confessional was checking my Instagram, 92 00:06:31,700 --> 00:06:34,700 in the stories of Instagram you can vote, it's Marco Antonio Regil. 93 00:06:34,700 --> 00:06:40,700 53% of the people who answered the survey so far, we put it since yesterday, 94 00:06:40,700 --> 00:06:45,700 says that they have been victims of a fraud and 47% say no, 95 00:06:45,700 --> 00:06:47,700 we are talking about more than half of the population. 96 00:06:47,700 --> 00:06:50,700 And the conversation adds up, as I was saying, Mónica Turcato, 97 00:06:50,700 --> 00:06:53,700 who is Director of Fraud Prevention of BBVA, 98 00:06:53,700 --> 00:06:59,700 precisely 14 years of experience. Mónica, you dedicate all your day 99 00:06:59,700 --> 00:07:02,700 to preventing fraud and helping people precisely in that. 100 00:07:02,700 --> 00:07:05,700 It is my mission and the of my team, of course. 101 00:07:05,700 --> 00:07:06,700 It is a very nice mission, right? 102 00:07:06,700 --> 00:07:09,700 Yes, the truth is that it is very rewarding when we achieve it, 103 00:07:09,700 --> 00:07:14,700 but it is frustrating every day because we see that the attempts are many. 104 00:07:14,700 --> 00:07:16,700 They are many and increasingly sophisticated, 105 00:07:16,700 --> 00:07:19,700 because today the criminals are at home sending emails, 106 00:07:19,700 --> 00:07:23,700 using electronic devices, using graphic design, using the bank's logo. 107 00:07:23,700 --> 00:07:30,700 Exactly, using sounds, voices and technology, they use technology a lot. 108 00:07:30,700 --> 00:07:35,700 What is more common, the fraud that I receive an email and fall into the trap of clicking it 109 00:07:35,700 --> 00:07:39,700 or the fraud of calling by phone and releasing my data by phone? 110 00:07:39,700 --> 00:07:43,700 The fraud of calling is the most common, now it has many derivatives, 111 00:07:43,700 --> 00:07:48,700 they can call you for many things, in the end they end up convincing you of something, 112 00:07:48,700 --> 00:07:52,700 whether it is to give you your keys or for you to make a transfer movement yourself, 113 00:07:52,700 --> 00:07:54,700 but that is the most common. 114 00:07:54,700 --> 00:07:58,700 Now, bank entrants never call you by phone to ask for data. 115 00:07:58,700 --> 00:07:59,700 Never. 116 00:07:59,700 --> 00:08:02,700 Give me your access key or give me your user or your account number. 117 00:08:02,700 --> 00:08:05,700 A bank never calls you to ask for data. 118 00:08:05,700 --> 00:08:09,700 Never. When the bank calls you, it knows it is with you and it knows your data 119 00:08:09,700 --> 00:08:12,700 and it knows all your information, it doesn't have to ask you for anything. 120 00:08:12,700 --> 00:08:16,700 In fact, in BBV now we implement something that we call a call to insurance 121 00:08:16,700 --> 00:08:20,700 and through the app we send you a message to let you know that we are going to call you. 122 00:08:20,700 --> 00:08:25,700 This was a very big effort to give the clients certainty that when we call them, it is us. 123 00:08:25,700 --> 00:08:28,700 But even in that, we are not going to ask you for anything. 124 00:08:28,700 --> 00:08:32,700 Nothing. Well, that is already, listen carefully, 125 00:08:32,700 --> 00:08:36,700 no bank is going to call you to ask for data. 126 00:08:36,700 --> 00:08:40,700 If someone calls you and says it is from your bank and asks you for data, it is a fraud. 127 00:08:40,700 --> 00:08:42,700 It is a fraud, just like that. 128 00:08:42,700 --> 00:08:44,700 And before the doubt, it is better to hang up and say, you know what? 129 00:08:44,700 --> 00:08:46,700 I am busy, right now I can't, hang up. 130 00:08:46,700 --> 00:08:51,700 And you better call the bank, not the email phone that appears, the one they sent you, 131 00:08:51,700 --> 00:08:57,700 but you call, you go to the official bank page, you see what the phone is and you can communicate. 132 00:08:57,700 --> 00:09:01,700 Indeed, that is the way to act. Hang up and call in case of any doubt. 133 00:09:01,700 --> 00:09:05,700 Yes, exactly. What are the most common frauds? 134 00:09:05,700 --> 00:09:09,700 I told you that most are by phone call. 135 00:09:09,700 --> 00:09:12,700 In the call, the fraudster tries to scare us, right? 136 00:09:12,700 --> 00:09:18,700 The typical one, hey, you have a charge for both insurance or for a purchase or such. 137 00:09:18,700 --> 00:09:23,700 So this makes people panic because your money, theoretically, 138 00:09:23,700 --> 00:09:26,700 they are taking it in something that you did not do. 139 00:09:26,700 --> 00:09:28,700 So that is the most common fraud. 140 00:09:28,700 --> 00:09:33,700 The call can already lead to many things and they ask you for different behaviors, right? 141 00:09:33,700 --> 00:09:38,700 That you send money, that you protect it, that you give the keys, that you give information, etc. 142 00:09:38,700 --> 00:09:41,700 But there is the key, fear. They try to scare me. 143 00:09:41,700 --> 00:09:43,700 They give me a charge that does not correspond to me. 144 00:09:43,700 --> 00:09:46,700 And since you are afraid, when the emotion rises and the intelligence falls, 145 00:09:46,700 --> 00:09:48,700 you panic and that is where you fall. 146 00:09:48,700 --> 00:09:53,700 That is where you fall. Yes, you enter your five minutes of confusion and you fall. 147 00:09:53,700 --> 00:09:54,700 And there you fall. 148 00:09:54,700 --> 00:10:00,700 You know that in the United States they call a lot of immigrant agents who have immigrants' names. 149 00:10:00,700 --> 00:10:02,700 When I lived there, they did it to me. 150 00:10:02,700 --> 00:10:05,700 They supposedly call you from the IRS, which is like the SAT, 151 00:10:05,700 --> 00:10:12,700 and they tell you that they are talking about the Treasury Department, the IRS, 152 00:10:12,700 --> 00:10:15,700 and they have a debt of $20,000. 153 00:10:15,700 --> 00:10:19,700 And if you do not pay it today, we are going to send the police to take you to jail. 154 00:10:19,700 --> 00:10:21,700 And you get scared. 155 00:10:21,700 --> 00:10:25,700 And the first time they told me that, I called my accountant and he laughed at me. 156 00:10:25,700 --> 00:10:28,700 He said, no, Marco, they do that to immigrants. 157 00:10:28,700 --> 00:10:31,700 So they look for Arabic, Latin names and everything. 158 00:10:31,700 --> 00:10:35,700 So they are making it more sophisticated. Isn't that happening here in Mexico? 159 00:10:35,700 --> 00:10:39,700 They call you from the SAT to pay a debt? 160 00:10:39,700 --> 00:10:42,700 With the SAT it happens more on fake websites. 161 00:10:42,700 --> 00:10:47,700 They simulate the SAT website, they simulate the tax payment website. 162 00:10:47,700 --> 00:10:50,700 There was a very big one that surely reached everyone with customs. 163 00:10:50,700 --> 00:10:54,700 You received a text message that said that there was a package that was retained 164 00:10:54,700 --> 00:10:56,700 and that they could not deliver it to you. 165 00:10:56,700 --> 00:10:58,700 And there was a link. 166 00:10:58,700 --> 00:11:02,700 You entered a customs website, you paid five pesos, 167 00:11:02,700 --> 00:11:06,700 but behind the defrauders they made all the information on your card 168 00:11:06,700 --> 00:11:08,700 and they made another purchase with that same information. 169 00:11:08,700 --> 00:11:12,700 Of course, and they also told you, you reminded me of DHL, FedEx, 170 00:11:12,700 --> 00:11:14,700 of any of these companies, we have not been able to deliver their package, 171 00:11:14,700 --> 00:11:16,700 please communicate. 172 00:11:16,700 --> 00:11:18,700 And they get the information. 173 00:11:18,700 --> 00:11:21,700 And there, I don't know, 50% of Mexicans are waiting for a package. 174 00:11:21,700 --> 00:11:27,700 Of course, your Amazon purchases, or the Iron Palace, or something. 175 00:11:27,700 --> 00:11:29,700 And you say, my package is going to be lost. 176 00:11:29,700 --> 00:11:30,700 Exactly. 177 00:11:30,700 --> 00:11:31,700 I'm scared again. 178 00:11:31,700 --> 00:11:33,700 What other fraud is very common? 179 00:11:33,700 --> 00:11:39,700 Well, by phone, they talk to you to offer you promotions with your points, 180 00:11:39,700 --> 00:11:41,700 and they tell you that you are going to transfer the points 181 00:11:41,700 --> 00:11:45,700 and you end up making a transfer of money to someone. 182 00:11:45,700 --> 00:11:48,700 The one you were talking about, the email, 183 00:11:48,700 --> 00:11:50,700 I mean, they send you an email, making me go through the bank, 184 00:11:50,700 --> 00:11:54,700 where they tell you that you have to update your computer. 185 00:11:54,700 --> 00:11:57,700 Or they tell you that someone got into your bank account, 186 00:11:57,700 --> 00:11:59,700 and you have to report it. 187 00:11:59,700 --> 00:12:01,700 And you have to recover it, report it with a link. 188 00:12:01,700 --> 00:12:04,700 So, just as we never give data by phone, 189 00:12:04,700 --> 00:12:07,700 we never click links in email. 190 00:12:07,700 --> 00:12:11,700 Let's see, let's repeat, we don't give data by phone. 191 00:12:11,700 --> 00:12:15,700 And we don't click links in email or in the page. 192 00:12:15,700 --> 00:12:16,700 Exactly. 193 00:12:16,700 --> 00:12:18,700 They stole your account, they hacked your account, 194 00:12:18,700 --> 00:12:21,700 there is a charge in your account, we need to verify your data 195 00:12:21,700 --> 00:12:22,700 so that they don't steal from you. 196 00:12:22,700 --> 00:12:24,700 They are the thieves. 197 00:12:24,700 --> 00:12:25,700 Exactly. 198 00:12:25,700 --> 00:12:28,700 And does this happen to older people more than to young people? 199 00:12:28,700 --> 00:12:30,700 Or are they getting along? 200 00:12:30,700 --> 00:12:32,700 It's a belief that we have, 201 00:12:32,700 --> 00:12:36,700 because of the lack of knowledge in technology. 202 00:12:36,700 --> 00:12:40,700 But no, we just get some indicators from our own, 203 00:12:40,700 --> 00:12:44,700 and in percentage, young people receive the same amount of attacks 204 00:12:44,700 --> 00:12:46,700 as older people. 205 00:12:46,700 --> 00:12:49,700 A few months ago, I was started to be reported on Facebook 206 00:12:49,700 --> 00:12:53,700 that there were people who contacted them from the Marc Antonio Regilo team 207 00:12:53,700 --> 00:12:56,700 because they had won a car, or they had won a trip, 208 00:12:56,700 --> 00:12:58,700 or they had won something and they were reported, 209 00:12:58,700 --> 00:13:00,700 and we were like, no, nothing to do with it. 210 00:13:00,700 --> 00:13:05,700 Or guests, people who said they had been offered to be on my podcast 211 00:13:05,700 --> 00:13:08,700 and that for a certain amount of money, 212 00:13:08,700 --> 00:13:11,700 they were sent to doctors, psychologists, 213 00:13:11,700 --> 00:13:16,700 and they were paid, and we didn't charge the guests. 214 00:13:16,700 --> 00:13:19,700 So we didn't charge you for that. 215 00:13:19,700 --> 00:13:23,700 And they get paid because with that money, 216 00:13:23,700 --> 00:13:25,700 they are guaranteed to be on a podcast, 217 00:13:25,700 --> 00:13:27,700 which could be anyone's Mewable. 218 00:13:27,700 --> 00:13:29,700 They are super, super sophisticated. 219 00:13:29,700 --> 00:13:32,700 Yes, another common one is job offers. 220 00:13:32,700 --> 00:13:33,700 Job offers. 221 00:13:33,700 --> 00:13:35,700 In fact, it has happened to us with BBVA, 222 00:13:35,700 --> 00:13:38,700 that they contact people in BBVA's name to offer them work, 223 00:13:38,700 --> 00:13:41,700 and then they ask you to pay 300, 400 pesos 224 00:13:41,700 --> 00:13:44,700 for a socio-economic study, a medical study, 225 00:13:44,700 --> 00:13:48,700 and then you don't get a job, and you just lose your 400 pesos. 226 00:13:48,700 --> 00:13:50,700 So that doesn't happen either. 227 00:13:50,700 --> 00:13:52,700 And if they find your phone, 228 00:13:52,700 --> 00:13:54,700 they can send you an aggressive WhatsApp, for example. 229 00:13:54,700 --> 00:13:56,700 That happens a lot. 230 00:13:56,700 --> 00:14:00,700 Or they extort you, threaten you, and they get paid. 231 00:14:00,700 --> 00:14:01,700 Exactly. 232 00:14:01,700 --> 00:14:04,700 Once I got a call, one of them was insulting me, 233 00:14:04,700 --> 00:14:07,700 saying, Marco Antonio, son of a bitch, 234 00:14:07,700 --> 00:14:10,700 we know everything, we have the photos. 235 00:14:10,700 --> 00:14:14,700 If you don't deposit 100,000 pesos, we'll publish it tomorrow. 236 00:14:14,700 --> 00:14:20,700 And I have a pretty boring life, so they didn't have photos of what. 237 00:14:20,700 --> 00:14:23,700 But imagine if they catch someone, a married person, 238 00:14:23,700 --> 00:14:24,700 who is behaving badly. 239 00:14:24,700 --> 00:14:26,700 I mean, someone who does have a tail that they step on, 240 00:14:26,700 --> 00:14:29,700 and they tell you that, and they just say it as a generic. 241 00:14:29,700 --> 00:14:30,700 And you fall. 242 00:14:30,700 --> 00:14:33,700 And you send them 100,000 pesos or 10,000 pesos, or whatever. 243 00:14:33,700 --> 00:14:34,700 Yes. 244 00:14:34,700 --> 00:14:36,700 So you have to behave well and you have to be careful. 245 00:14:36,700 --> 00:14:39,700 Because then, by text message, by WhatsApp, by email... 246 00:14:39,700 --> 00:14:40,700 By phone. 247 00:14:40,700 --> 00:14:41,700 By phone. 248 00:14:41,700 --> 00:14:45,700 On social media too, they steal your Instagram or Facebook account, 249 00:14:45,700 --> 00:14:47,700 and then they ask you for a ransom for it. 250 00:14:47,700 --> 00:14:48,700 Of course. 251 00:14:48,700 --> 00:14:49,700 Or you know what happens a lot? 252 00:14:49,700 --> 00:14:53,700 They clone Facebook or WhatsApp pages to a person, 253 00:14:53,700 --> 00:14:55,700 and they start asking for money in your name. 254 00:14:55,700 --> 00:14:58,700 They steal your WhatsApp, Marco, and they start writing to your friends. 255 00:14:58,700 --> 00:14:59,700 Exactly. 256 00:14:59,700 --> 00:15:01,700 Hey, can you lend me some money, please? 257 00:15:01,700 --> 00:15:02,700 I have an emergency. 258 00:15:02,700 --> 00:15:05,700 You have an emergency, and from there, they get the money. 259 00:15:05,700 --> 00:15:07,700 Or they clone your profiles, let's say, they put you, 260 00:15:07,700 --> 00:15:10,700 in my case, from Regil with a G, they put a double G, and you don't realize. 261 00:15:10,700 --> 00:15:14,700 And they take the same photos and they make a little clone, and you fall. 262 00:15:14,700 --> 00:15:15,700 You fall. 263 00:15:15,700 --> 00:15:16,700 And wow. 264 00:15:16,700 --> 00:15:17,700 And they do the same with the bank. 265 00:15:17,700 --> 00:15:20,700 They clone the bank's page, they clone the logo, 266 00:15:20,700 --> 00:15:23,700 they clone the bank's Instagram account. 267 00:15:23,700 --> 00:15:24,700 Super creative. 268 00:15:24,700 --> 00:15:25,700 Super creative. 269 00:15:25,700 --> 00:15:30,700 We are constantly reviewing this type of cloning, 270 00:15:30,700 --> 00:15:33,700 and that there are no pages simulating our... 271 00:15:33,700 --> 00:15:34,700 Yes. 272 00:15:34,700 --> 00:15:36,700 But they do it with any shopping page. 273 00:15:36,700 --> 00:15:39,700 You think you're buying something and you're giving your information. 274 00:15:39,700 --> 00:15:40,700 Of course. 275 00:15:40,700 --> 00:15:41,700 Well, let's take a little break. 276 00:15:41,700 --> 00:15:45,700 Monica will continue with us, and we'll go to the conversation with Zahary Cabello, 277 00:15:45,700 --> 00:15:48,700 who is also an expert on this subject, 278 00:15:48,700 --> 00:15:51,700 and he will give us tips on how to detect a fraudulent call. 279 00:15:51,700 --> 00:15:53,700 And we'll also talk about what to do. 280 00:15:53,700 --> 00:15:54,700 If you already fell, what do you do? 281 00:15:54,700 --> 00:15:56,700 So the program has very good content. 282 00:15:56,700 --> 00:15:58,700 We'll be back after a break. 283 00:15:58,700 --> 00:15:59,700 Cheer up. 284 00:15:59,700 --> 00:16:03,700 Continue the conversation with Marco Antonio Regil in Formula. 285 00:16:03,700 --> 00:16:05,700 Dear money, I want to take care of you. 286 00:16:05,700 --> 00:16:07,700 I don't want you to be robbed of me. 287 00:16:07,700 --> 00:16:09,700 It cost me a lot of work to earn you. 288 00:16:09,700 --> 00:16:10,700 Then I paid my taxes. 289 00:16:10,700 --> 00:16:12,700 And for someone to come and steal it from me, 290 00:16:12,700 --> 00:16:14,700 for someone to scam me today, 291 00:16:14,700 --> 00:16:16,700 taking advantage of digital tools, 292 00:16:16,700 --> 00:16:17,700 that is terrible. 293 00:16:17,700 --> 00:16:19,700 According to Forbes data, 294 00:16:19,700 --> 00:16:23,700 most of the crimes of digital scams are not reported. 295 00:16:23,700 --> 00:16:27,700 We are talking about 15,000 frauds daily in Mexico, 296 00:16:27,700 --> 00:16:28,700 13,000 extortions a day, 297 00:16:28,700 --> 00:16:30,700 and most are not reported. 298 00:16:30,700 --> 00:16:33,700 The most common modalities, according to Forbes magazine, 299 00:16:33,700 --> 00:16:36,700 are montadeudas, financial pyramids, 300 00:16:36,700 --> 00:16:40,700 phone extortions, false awards, among others. 301 00:16:40,700 --> 00:16:45,700 And there have been 16 legal reforms in this legislation 302 00:16:45,700 --> 00:16:47,700 in the current legislative period 303 00:16:47,700 --> 00:16:50,700 to try to reduce the incidence of these crimes 304 00:16:50,700 --> 00:16:52,700 and increase the fines for the guilty. 305 00:16:52,700 --> 00:16:55,700 The problem is that many of those guilty 306 00:16:55,700 --> 00:16:57,700 are not in Mexico. 307 00:16:57,700 --> 00:17:00,700 They are out, or they are using a VPN 308 00:17:00,700 --> 00:17:03,700 to mask the address, 309 00:17:03,700 --> 00:17:05,700 they don't detect you, 310 00:17:05,700 --> 00:17:07,700 maybe you are in Mexico, but they say you are in Brazil, 311 00:17:07,700 --> 00:17:08,700 or you are somewhere else. 312 00:17:08,700 --> 00:17:10,700 So it is sophisticated, 313 00:17:10,700 --> 00:17:12,700 and with the arrival of artificial intelligence, 314 00:17:12,700 --> 00:17:13,700 what a thing. 315 00:17:13,700 --> 00:17:16,700 So that's why we have to be informed. 316 00:17:16,700 --> 00:17:19,700 Ignorance costs a lot of money. 317 00:17:19,700 --> 00:17:21,700 And that's why, to inform ourselves, 318 00:17:21,700 --> 00:17:23,700 to educate ourselves and to take care of ourselves, 319 00:17:23,700 --> 00:17:25,700 we have dedicated this program here at Radio Fórmula, 320 00:17:25,700 --> 00:17:27,700 this program today, 321 00:17:27,700 --> 00:17:28,700 so that we can educate ourselves. 322 00:17:28,700 --> 00:17:30,700 We have Monica Turcato, 323 00:17:30,700 --> 00:17:33,700 Director of Prevention of Fraud from BBVA, 324 00:17:33,700 --> 00:17:35,700 who continues here on the program. 325 00:17:35,700 --> 00:17:38,700 We have already talked about some of the most common forms, 326 00:17:38,700 --> 00:17:41,700 and she joins the conversation, Zahary Cabello, 327 00:17:41,700 --> 00:17:44,700 current 20 years of tradition in the Mexican financial system, 328 00:17:44,700 --> 00:17:47,700 and you had a master's degree in risk management, 329 00:17:47,700 --> 00:17:48,700 right, Zahary? 330 00:17:48,700 --> 00:17:49,700 Yes. 331 00:17:49,700 --> 00:17:52,700 I didn't know there was a master's degree in risk management. 332 00:17:52,700 --> 00:17:55,700 Oh, yes, that is, for 10 years now, this has been... 333 00:17:55,700 --> 00:17:56,700 At ITAM. 334 00:17:56,700 --> 00:17:57,700 At ITAM. 335 00:17:57,700 --> 00:17:59,700 That's right, that is, for the economy, 336 00:17:59,700 --> 00:18:02,700 so that nobody is offended by one of the best in Latin America, 337 00:18:02,700 --> 00:18:04,700 in fact, not just in Mexico. 338 00:18:04,700 --> 00:18:07,700 Hey, the issue of artificial intelligence, 339 00:18:07,700 --> 00:18:11,700 theft of identity, fraud online, 340 00:18:11,700 --> 00:18:13,700 what comes to your mind when I say all this? 341 00:18:13,700 --> 00:18:16,700 Yes, well, right now I'm working at Queski, 342 00:18:16,700 --> 00:18:18,700 and it's a technological platform, 343 00:18:18,700 --> 00:18:21,700 and we face many of these challenges 344 00:18:21,700 --> 00:18:23,700 because we don't have physical presence. 345 00:18:23,700 --> 00:18:26,700 It's like a subject of going to a branch and asking questions, 346 00:18:26,700 --> 00:18:29,700 or you have the client and you know it's him. 347 00:18:29,700 --> 00:18:32,700 So one of the most important challenges is the theft of identity. 348 00:18:32,700 --> 00:18:35,700 So theft of identity, suddenly the fraudsters 349 00:18:35,700 --> 00:18:37,700 get personal information lists, 350 00:18:37,700 --> 00:18:40,700 I mean name, date of birth, 351 00:18:40,700 --> 00:18:43,700 in our case, right, Mexicans have our CURP, 352 00:18:43,700 --> 00:18:47,700 and then from that they begin to apply for credits 353 00:18:47,700 --> 00:18:49,700 pretending to be those people. 354 00:18:49,700 --> 00:18:51,700 Suddenly they build an entire identity. 355 00:18:51,700 --> 00:18:52,700 With the CURP. 356 00:18:52,700 --> 00:18:54,700 With the CURP, with all this data, 357 00:18:54,700 --> 00:18:57,700 there are times when they also get copies 358 00:18:57,700 --> 00:19:00,700 of the official identity, of the INE, for example, 359 00:19:00,700 --> 00:19:04,700 which then on Facebook you see that there are even people who sell INEs, right? 360 00:19:04,700 --> 00:19:06,700 So you have to be very careful with the use that is done, 361 00:19:06,700 --> 00:19:09,700 or where you are lending or showing your INE, 362 00:19:09,700 --> 00:19:11,700 that is, that no one uses it. 363 00:19:11,700 --> 00:19:13,700 And since they ask you so much, 364 00:19:13,700 --> 00:19:15,700 I mean, they ask you for anything, 365 00:19:15,700 --> 00:19:17,700 then you have to charge it with you. 366 00:19:17,700 --> 00:19:19,700 You charge it with you, but they can use it, 367 00:19:19,700 --> 00:19:21,700 they make a very bad use of this. 368 00:19:21,700 --> 00:19:23,700 So we, for example, have technology 369 00:19:23,700 --> 00:19:26,700 just to say, well, I have the INE, I have the data, 370 00:19:26,700 --> 00:19:29,700 I want to make sure it's you, it's you, Marc. 371 00:19:29,700 --> 00:19:31,700 So I ask you to take a picture, 372 00:19:31,700 --> 00:19:33,700 to take a picture of your INE, 373 00:19:33,700 --> 00:19:37,700 and there are some tools of artificial intelligence 374 00:19:37,700 --> 00:19:40,700 that are verifying that the faces coincide and so on. 375 00:19:40,700 --> 00:19:42,700 What has happened to us, even, 376 00:19:42,700 --> 00:19:44,700 that suddenly we say, no, well, it is that, 377 00:19:44,700 --> 00:19:46,700 if it is the person's identification, 378 00:19:46,700 --> 00:19:49,700 if it is the person's photo, what happened? 379 00:19:49,700 --> 00:19:52,700 Doing research and listening to the calls 380 00:19:52,700 --> 00:19:54,700 of when users complain, 381 00:19:54,700 --> 00:19:56,700 and understanding a little more the case, 382 00:19:56,700 --> 00:19:58,700 suddenly we find out that there is also, 383 00:19:58,700 --> 00:20:00,700 as Monica told us, 384 00:20:00,700 --> 00:20:02,700 that they get data by phone, 385 00:20:02,700 --> 00:20:04,700 in malls or in some public place, 386 00:20:04,700 --> 00:20:06,700 they are telling you, hey, Marc, 387 00:20:06,700 --> 00:20:07,700 can I do an interview? 388 00:20:07,700 --> 00:20:09,700 Yes, look, I just want your name, 389 00:20:09,700 --> 00:20:10,700 your date of birth, 390 00:20:10,700 --> 00:20:12,700 that is, all the data we need. 391 00:20:12,700 --> 00:20:14,700 Let me take a picture of your ID, 392 00:20:14,700 --> 00:20:16,700 and I'll give you 200 pesos, 393 00:20:16,700 --> 00:20:18,700 a thing like that. 394 00:20:18,700 --> 00:20:20,700 And I'll give you a little gift. 395 00:20:20,700 --> 00:20:22,700 And then you have a survey, 396 00:20:22,700 --> 00:20:25,700 and they will ask you one or two additional questions, 397 00:20:25,700 --> 00:20:28,700 and people leave with the idea that nothing happened. 398 00:20:28,700 --> 00:20:30,700 So you don't have to trust yourself, 399 00:20:30,700 --> 00:20:33,700 and you don't have to show anyone an official ID. 400 00:20:33,700 --> 00:20:36,700 And yes, we are using technology, 401 00:20:36,700 --> 00:20:39,700 but fraudsters also have technology, right? 402 00:20:39,700 --> 00:20:42,700 When I saw this issue of the faces and the videos 403 00:20:42,700 --> 00:20:44,700 that could simulate anyone. 404 00:20:44,700 --> 00:20:46,700 Oh, oh, oh. 405 00:20:46,700 --> 00:20:47,700 Yes, right? 406 00:20:47,700 --> 00:20:50,700 And that's an interesting challenge, 407 00:20:50,700 --> 00:20:53,700 that we are going to face several financial institutions, 408 00:20:53,700 --> 00:20:55,700 but that in the end is a reality. 409 00:20:55,700 --> 00:20:58,700 So they take images of social networks, 410 00:20:58,700 --> 00:21:00,700 they take images of various points, 411 00:21:00,700 --> 00:21:03,700 and with that they sometimes build the entire identity of people. 412 00:21:03,700 --> 00:21:07,700 I think that's something that we have to contemplate a lot 413 00:21:07,700 --> 00:21:10,700 when we are going to decide with which financial institution we are going to be, 414 00:21:10,700 --> 00:21:12,700 how advanced is your app, 415 00:21:12,700 --> 00:21:14,700 how safe is my information, 416 00:21:14,700 --> 00:21:16,700 because there are banks after banks. 417 00:21:16,700 --> 00:21:20,700 It's very advanced in terms of banks and applications. 418 00:21:20,700 --> 00:21:23,700 I think it's even better than the United States in modernity. 419 00:21:23,700 --> 00:21:25,700 There are things that we do beat the United States, 420 00:21:25,700 --> 00:21:27,700 and the security of banks is one thing, 421 00:21:27,700 --> 00:21:29,700 but you have to check well with the bank 422 00:21:29,700 --> 00:21:31,700 how much security there is, right? 423 00:21:31,700 --> 00:21:33,700 Yes, yes, of course. 424 00:21:33,700 --> 00:21:35,700 A lot of security, and as you said a while ago, 425 00:21:35,700 --> 00:21:37,700 as well as tips that I always bring to mind, 426 00:21:37,700 --> 00:21:40,700 is if I receive a call, a contact by mail, 427 00:21:40,700 --> 00:21:42,700 a contact by WhatsApp, 428 00:21:42,700 --> 00:21:45,700 because it is also a very frequent channel, 429 00:21:45,700 --> 00:21:47,700 then WhatsApp, check that there is the little dove 430 00:21:47,700 --> 00:21:50,700 that this account is certified and that it is official, 431 00:21:50,700 --> 00:21:52,700 that they never ask me for personal data, 432 00:21:52,700 --> 00:21:53,700 that they rather tell me, 433 00:21:53,700 --> 00:21:55,700 hey, you made a purchase for this amount, 434 00:21:55,700 --> 00:21:57,700 for something very specific, 435 00:21:57,700 --> 00:21:59,700 and you just have to answer yes or no, 436 00:21:59,700 --> 00:22:01,700 and it will be in any of these channels, 437 00:22:01,700 --> 00:22:03,700 email, call. 438 00:22:03,700 --> 00:22:06,700 And what we said before going to commercial is the call, 439 00:22:06,700 --> 00:22:09,700 they call me, what key questions can I ask? 440 00:22:09,700 --> 00:22:12,700 What tips can they give us to identify a fraud? 441 00:22:12,700 --> 00:22:17,700 Yes, well, we, in any bank, 442 00:22:17,700 --> 00:22:19,700 the first thing you can ask is, 443 00:22:19,700 --> 00:22:20,700 why are you calling me? 444 00:22:20,700 --> 00:22:21,700 What is the object? 445 00:22:21,700 --> 00:22:23,700 Take care not to give out information 446 00:22:23,700 --> 00:22:25,700 and ask the questions yourself, right? 447 00:22:25,700 --> 00:22:27,700 Not to allow yourself to fall into this 448 00:22:27,700 --> 00:22:29,700 I am being asked questions, 449 00:22:29,700 --> 00:22:30,700 don't answer, 450 00:22:30,700 --> 00:22:33,700 that is, you ask the questions. 451 00:22:33,700 --> 00:22:38,700 We have this particular message service in your app 452 00:22:38,700 --> 00:22:40,700 prior to what we are going to call you. 453 00:22:40,700 --> 00:22:42,700 In the case of BBVA. 454 00:22:42,700 --> 00:22:46,700 But sometimes they even call you from a number 455 00:22:46,700 --> 00:22:48,700 that seems to be the bank's number, 456 00:22:48,700 --> 00:22:50,700 because they manage to mask the phone numbers. 457 00:22:50,700 --> 00:22:54,700 So people say, well, it's the bank number, 458 00:22:54,700 --> 00:22:57,700 I trust you and I give all the information. 459 00:22:57,700 --> 00:22:59,700 So don't trust the number, 460 00:22:59,700 --> 00:23:01,700 don't trust your question, 461 00:23:01,700 --> 00:23:03,700 question for you to be called, question you want, 462 00:23:03,700 --> 00:23:05,700 and face any questions better, 463 00:23:05,700 --> 00:23:07,700 okay, thank you very much, I receive the information, 464 00:23:07,700 --> 00:23:08,700 and you call. 465 00:23:08,700 --> 00:23:10,700 I hang up and I call. 466 00:23:10,700 --> 00:23:12,700 They called me for this, and you solve it, right? 467 00:23:12,700 --> 00:23:14,700 And I verify that if I am marking the bank number, 468 00:23:14,700 --> 00:23:16,700 not the number they sent me in the email. 469 00:23:16,700 --> 00:23:19,700 Of course, never remember the number put there. 470 00:23:19,700 --> 00:23:20,700 Any advice, Saharit? 471 00:23:20,700 --> 00:23:23,700 Yes, I think what is super typical is that 472 00:23:23,700 --> 00:23:27,700 they tell you if you made a purchase in such a place, 473 00:23:27,700 --> 00:23:28,700 in such a large amount, 474 00:23:28,700 --> 00:23:31,700 and if the only thing you answer is yes or no. 475 00:23:31,700 --> 00:23:34,700 You verify another type of data until you feel comfortable, 476 00:23:34,700 --> 00:23:36,700 but you do not give any additional data. 477 00:23:36,700 --> 00:23:38,700 What is your date of birth? 478 00:23:38,700 --> 00:23:41,700 Nothing, you do not give any additional data. 479 00:23:41,700 --> 00:23:44,700 Another alternative that I like a lot, 480 00:23:44,700 --> 00:23:46,700 additional to calls, in case you want to verify, 481 00:23:46,700 --> 00:23:49,700 or if you want to say no, I call later, 482 00:23:49,700 --> 00:23:52,700 or I contact later, is the chat, 483 00:23:52,700 --> 00:23:55,700 WhatsApp or the chat I have in corporate, 484 00:23:55,700 --> 00:23:58,700 just because there you can have like the whole record 485 00:23:58,700 --> 00:24:00,700 of the information, what time you made the report, 486 00:24:00,700 --> 00:24:02,700 you can protect yourself a little more, 487 00:24:02,700 --> 00:24:04,700 and apart you are nervous, right? 488 00:24:04,700 --> 00:24:07,700 You can see all the details of what is happening. 489 00:24:07,700 --> 00:24:09,700 So using the chat can be a good alternative, 490 00:24:09,700 --> 00:24:12,700 but always directed to the official page of the institution. 491 00:24:12,700 --> 00:24:14,700 Do not panic, do not be afraid, 492 00:24:14,700 --> 00:24:17,700 do not make a call with fear, do not scare me. 493 00:24:17,700 --> 00:24:19,700 Exactly, do not scare me. 494 00:24:19,700 --> 00:24:21,700 Just recently, in fact, on the weekend, 495 00:24:21,700 --> 00:24:22,700 my mom told me, 496 00:24:22,700 --> 00:24:24,700 hey, I left my debit card in the locker room, what do I do? 497 00:24:24,700 --> 00:24:26,700 So it's the same, if you lose your card, 498 00:24:26,700 --> 00:24:28,700 cancel it immediately. 499 00:24:28,700 --> 00:24:30,700 You call the bank, you cancel it, 500 00:24:30,700 --> 00:24:32,700 because there it can be like a source 501 00:24:32,700 --> 00:24:34,700 that has the fraudsters to take your data 502 00:24:34,700 --> 00:24:36,700 and do other things individually. 503 00:24:36,700 --> 00:24:38,700 So if you do not find it, better cancel it 504 00:24:38,700 --> 00:24:39,700 and then get another one. 505 00:24:39,700 --> 00:24:41,700 In the next segment we will talk about preventing, 506 00:24:41,700 --> 00:24:43,700 because in fact there is an organization 507 00:24:43,700 --> 00:24:46,700 that can help us protect ourselves 508 00:24:46,700 --> 00:24:49,700 and act in case of having fallen into a fraud. 509 00:24:49,700 --> 00:24:52,700 So in the next segment the conversation will be added, 510 00:24:52,700 --> 00:24:54,700 Dr. Raúl Valencia, 511 00:24:54,700 --> 00:24:56,700 who is a doctor in law of the Pan American University 512 00:24:56,700 --> 00:24:58,700 and who is precisely an expert in that, 513 00:24:58,700 --> 00:25:00,700 and we are going to touch between the three, 514 00:25:00,700 --> 00:25:02,700 you three who are the experts, 515 00:25:02,700 --> 00:25:04,700 what to do in case, I do not want to fall, 516 00:25:04,700 --> 00:25:06,700 but if I already fell, what do I do? 517 00:25:06,700 --> 00:25:08,700 How do I report, how do I proceed, 518 00:25:08,700 --> 00:25:10,700 how fast can I recover it? 519 00:25:10,700 --> 00:25:12,700 It is the same as if they make a fraud of my credit card 520 00:25:12,700 --> 00:25:14,700 than my debit card, 521 00:25:14,700 --> 00:25:16,700 I should be using the debit card 522 00:25:16,700 --> 00:25:18,700 or it would be more convenient for me not to use the debit card 523 00:25:18,700 --> 00:25:21,700 and try to get, with good credit, obviously, 524 00:25:21,700 --> 00:25:24,700 a credit line to protect my debt. 525 00:25:24,700 --> 00:25:26,700 It is the same or not the same? 526 00:25:26,700 --> 00:25:28,700 What happens if they steal my bank account directly? 527 00:25:28,700 --> 00:25:31,700 The tokens that companies give them in business bank, 528 00:25:31,700 --> 00:25:33,700 should I charge them with me? 529 00:25:33,700 --> 00:25:35,700 Or where should I keep them? 530 00:25:35,700 --> 00:25:37,700 The papers, because if you open an account 531 00:25:37,700 --> 00:25:39,700 and they give you the whole folder full of papers, 532 00:25:39,700 --> 00:25:41,700 and there comes everything, there comes the account, 533 00:25:41,700 --> 00:25:43,700 sometimes you write the NIPA so that you do not forget, 534 00:25:43,700 --> 00:25:45,700 there is the token, 535 00:25:45,700 --> 00:25:47,700 that is, if someone comes to your house and grabs that, 536 00:25:47,700 --> 00:25:49,700 then there is all the information, 537 00:25:49,700 --> 00:25:51,700 it is very interesting, so in the next segment 538 00:25:51,700 --> 00:25:53,700 we will talk about how to prevent it. 539 00:25:53,700 --> 00:25:55,700 We will take a break and come back, 540 00:25:55,700 --> 00:25:57,700 and on another topic, but in our podcast this week 541 00:25:57,700 --> 00:25:59,700 we will talk about Don Miguel Ruiz, 542 00:25:59,700 --> 00:26:01,700 the author of the Four Agreements, 543 00:26:01,700 --> 00:26:03,700 a beautiful episode, if you have not seen it, 544 00:26:03,700 --> 00:26:05,700 go and watch it on my YouTube channel, 545 00:26:05,700 --> 00:26:07,700 Marco Antonio Regil TV, on YouTube. 546 00:26:07,700 --> 00:26:09,700 Don Miguel Ruiz, with the Four Agreements, 547 00:26:09,700 --> 00:26:11,700 explains his book, himself, 548 00:26:11,700 --> 00:26:13,700 the author of this legendary book. 549 00:26:13,700 --> 00:26:15,700 And this program can be seen, obviously, 550 00:26:15,700 --> 00:26:17,700 in Grupo Fórmula on YouTube, 551 00:26:17,700 --> 00:26:19,700 if you miss part of the program live, 552 00:26:19,700 --> 00:26:21,700 in addition to RadioFórmula.mx, 553 00:26:21,700 --> 00:26:23,700 on the YouTube channel of Grupo Fórmula, 554 00:26:23,700 --> 00:26:25,700 every night, you can see it, 555 00:26:25,700 --> 00:26:27,700 there you can listen to it every night, 556 00:26:27,700 --> 00:26:29,700 all the programs are up there. 557 00:26:29,700 --> 00:26:31,700 We take a break and come back with 558 00:26:31,700 --> 00:26:33,700 very important tips that can save you 559 00:26:33,700 --> 00:26:35,700 from a fraud, or how to react 560 00:26:35,700 --> 00:27:03,700 if you already fell. We'll be back. 561 00:27:05,700 --> 00:27:07,700 Annimate. 562 00:27:07,700 --> 00:27:09,700 Follow the conversation with 563 00:27:09,700 --> 00:27:11,700 Marco Antonio Regil, in Fórmula. 564 00:27:11,700 --> 00:27:13,700 Today we are talking about how to 565 00:27:13,700 --> 00:27:15,700 take care of our money so that we don't get robbed 566 00:27:15,700 --> 00:27:17,700 in the famous frauds. 567 00:27:17,700 --> 00:27:19,700 Frauds, frauds, frauds, and frauds 568 00:27:19,700 --> 00:27:21,700 of thousands, millions, dollars, 569 00:27:21,700 --> 00:27:23,700 of pesos in the world, 570 00:27:23,700 --> 00:27:25,700 it is a problem that has been increased 571 00:27:25,700 --> 00:27:27,700 with the use of technology, because 572 00:27:27,700 --> 00:27:29,700 technology is used by children 573 00:27:29,700 --> 00:27:31,700 and good girls, and children and bad children, 574 00:27:31,700 --> 00:27:33,700 and there is a lot of professional delinquency, 575 00:27:33,700 --> 00:27:35,700 that is what they do. 576 00:27:35,700 --> 00:27:37,700 There are call centers, 577 00:27:37,700 --> 00:27:39,700 that's how they work, 578 00:27:39,700 --> 00:27:41,700 they are professional teams 579 00:27:41,700 --> 00:27:43,700 with supervisors 580 00:27:43,700 --> 00:27:45,700 and perfectly organized 581 00:27:45,700 --> 00:27:47,700 to defraud you. 582 00:27:47,700 --> 00:27:49,700 If they play in a team, it is better that we also 583 00:27:49,700 --> 00:27:51,700 play in a team with information 584 00:27:51,700 --> 00:27:53,700 and education, and that is why today we have invited you 585 00:27:53,700 --> 00:27:55,700 to a first-level team. 586 00:27:55,700 --> 00:27:57,700 Follow us, Mónica Turcato, 587 00:27:57,700 --> 00:27:59,700 Director of Fraud Prevention of BBVA, 588 00:27:59,700 --> 00:28:01,700 also Zahary Cabello, 589 00:28:01,700 --> 00:28:03,700 who has a master's degree in Risk Administration 590 00:28:03,700 --> 00:28:05,700 in ITAM, and the conversation is added 591 00:28:05,700 --> 00:28:07,700 by the Doctor of Law, 592 00:28:07,700 --> 00:28:09,700 with the Doctorate of Law of the Pan-American University, 593 00:28:09,700 --> 00:28:11,700 Dr. Raul Valencia del Toro. 594 00:28:11,700 --> 00:28:13,700 Welcome. 595 00:28:13,700 --> 00:28:15,700 Thank you very much. 596 00:28:15,700 --> 00:28:17,700 Not Doctor of Medicine, Doctor of Law. 597 00:28:17,700 --> 00:28:19,700 Well, they think, Doctor, well, you are going to recieve me a medicine. 598 00:28:19,700 --> 00:28:21,700 No, Doctor of Law, which is the highest degree 599 00:28:21,700 --> 00:28:23,700 that you can achieve when you study 600 00:28:23,700 --> 00:28:25,700 the law degree. 601 00:28:25,700 --> 00:28:27,700 Is it true that there is an organization 602 00:28:27,700 --> 00:28:29,700 that can help us? Because the question here 603 00:28:29,700 --> 00:28:31,700 is, ok, they already told me 604 00:28:31,700 --> 00:28:33,700 how to prevent it, but ok, 605 00:28:33,700 --> 00:28:35,700 I fell. At what moment, 606 00:28:35,700 --> 00:28:37,700 what was I thinking, what did I do? 607 00:28:37,700 --> 00:28:39,700 I fell. They caught me in my five minutes. 608 00:28:39,700 --> 00:28:41,700 Who can defend me, 609 00:28:41,700 --> 00:28:43,700 now who can defend us? 610 00:28:43,700 --> 00:28:45,700 Well, there are several 611 00:28:45,700 --> 00:28:47,700 alternatives, Marco Antonio. 612 00:28:47,700 --> 00:28:49,700 First, we have an organization that is 613 00:28:49,700 --> 00:28:51,700 Conducef, which is the National Commission 614 00:28:51,700 --> 00:28:53,700 for Protection and Defense 615 00:28:53,700 --> 00:28:55,700 of Financial Services. 616 00:28:55,700 --> 00:28:57,700 But it is important to say that this 617 00:28:57,700 --> 00:28:59,700 organization is only going to help 618 00:28:59,700 --> 00:29:01,700 if a financial institution is 619 00:29:01,700 --> 00:29:03,700 really involved in the matter. 620 00:29:03,700 --> 00:29:05,700 Because many times the financial 621 00:29:05,700 --> 00:29:07,700 institution has nothing to do with it. 622 00:29:07,700 --> 00:29:09,700 If the person to whom you called 623 00:29:09,700 --> 00:29:11,700 or sent an email, etc., 624 00:29:11,700 --> 00:29:13,700 gave you their data, their confidential keys, 625 00:29:13,700 --> 00:29:15,700 you fell into that fraud, 626 00:29:15,700 --> 00:29:17,700 then in that case, 627 00:29:17,700 --> 00:29:19,700 the financial institution is not to blame. 628 00:29:19,700 --> 00:29:21,700 Because when you sign a contract 629 00:29:21,700 --> 00:29:23,700 with the financial institution, they tell you that 630 00:29:23,700 --> 00:29:25,700 those keys are confidential 631 00:29:25,700 --> 00:29:27,700 and that any misuse 632 00:29:27,700 --> 00:29:29,700 that is made of those keys 633 00:29:29,700 --> 00:29:31,700 is your responsibility, 634 00:29:31,700 --> 00:29:33,700 your responsibility, it is your problem. 635 00:29:33,700 --> 00:29:35,700 It is not a problem of the financial institution. 636 00:29:35,700 --> 00:29:37,700 Even the advisors, 637 00:29:37,700 --> 00:29:39,700 when they are helping you change your key 638 00:29:39,700 --> 00:29:41,700 or your password, 639 00:29:41,700 --> 00:29:43,700 they themselves tell you not to tell me. 640 00:29:43,700 --> 00:29:45,700 Just put it, don't tell me. 641 00:29:45,700 --> 00:29:47,700 Even they should tell you. 642 00:29:47,700 --> 00:29:49,700 So Conducef can help 643 00:29:49,700 --> 00:29:51,700 if the financial institution 644 00:29:51,700 --> 00:29:53,700 had something to do with it. 645 00:29:53,700 --> 00:29:55,700 If an institution, an advisor, 646 00:29:55,700 --> 00:29:57,700 a promoter, whatever, 647 00:29:57,700 --> 00:29:59,700 if the financial institution had something to do with it, 648 00:29:59,700 --> 00:30:01,700 effectively, the complaint is presented in Conducef, 649 00:30:01,700 --> 00:30:03,700 either in Conducef itself 650 00:30:03,700 --> 00:30:05,700 or in the financial entity itself 651 00:30:05,700 --> 00:30:07,700 that has to have 652 00:30:07,700 --> 00:30:09,700 a specialized complaint unit 653 00:30:09,700 --> 00:30:11,700 where any person can go 654 00:30:11,700 --> 00:30:13,700 and present the complaint 655 00:30:13,700 --> 00:30:15,700 and then the procedure is initiated. 656 00:30:15,700 --> 00:30:17,700 Conducef logically puts itself 657 00:30:17,700 --> 00:30:19,700 aside from the financial services user, 658 00:30:19,700 --> 00:30:21,700 not the financial institution. 659 00:30:21,700 --> 00:30:23,700 So it will help 660 00:30:23,700 --> 00:30:25,700 to really continue 661 00:30:25,700 --> 00:30:27,700 with the procedure 662 00:30:27,700 --> 00:30:29,700 and if the financial institution is responsible, 663 00:30:29,700 --> 00:30:31,700 it will be able to 664 00:30:31,700 --> 00:30:33,700 put the amounts for the user 665 00:30:33,700 --> 00:30:35,700 in charge of the financial institution. 666 00:30:35,700 --> 00:30:37,700 Only if the financial institution is responsible. 667 00:30:37,700 --> 00:30:39,700 Because many times 668 00:30:39,700 --> 00:30:41,700 the institution is not responsible. 669 00:30:41,700 --> 00:30:43,700 In most cases it is not. 670 00:30:43,700 --> 00:30:45,700 They stole your personal data. 671 00:30:45,700 --> 00:30:47,700 Let's say the bank is taking care of you personally 672 00:30:47,700 --> 00:30:49,700 and you don't give your data to anyone. 673 00:30:49,700 --> 00:30:51,700 Exactly. 674 00:30:51,700 --> 00:30:53,700 And when it was my responsibility 675 00:30:53,700 --> 00:30:55,700 or my lack of care or my innocence, 676 00:30:55,700 --> 00:30:57,700 I fell. 677 00:30:57,700 --> 00:30:59,700 And because many times those who steal your data 678 00:30:59,700 --> 00:31:01,700 don't have to be a stranger online, 679 00:31:01,700 --> 00:31:03,700 they can be a family member 680 00:31:03,700 --> 00:31:05,700 who does it, people of your trust. 681 00:31:05,700 --> 00:31:07,700 So who defends me? 682 00:31:07,700 --> 00:31:09,700 Exactly. 683 00:31:09,700 --> 00:31:11,700 Remember that fraud is 684 00:31:11,700 --> 00:31:13,700 when taking advantage of the error 685 00:31:13,700 --> 00:31:15,700 in which another person is found, 686 00:31:15,700 --> 00:31:17,700 you get an undue profit 687 00:31:17,700 --> 00:31:19,700 or a profit, you get wealth. 688 00:31:19,700 --> 00:31:21,700 Under that context, 689 00:31:21,700 --> 00:31:23,700 the Federal Penal Code establishes 690 00:31:23,700 --> 00:31:25,700 the sanctions, which are 691 00:31:25,700 --> 00:31:27,700 strong sanctions, 692 00:31:27,700 --> 00:31:29,700 of prison and economic sanctions 693 00:31:29,700 --> 00:31:31,700 for those who commit fraud 694 00:31:31,700 --> 00:31:33,700 and then there is a ball of conducts 695 00:31:33,700 --> 00:31:35,700 that match the fraud. 696 00:31:35,700 --> 00:31:37,700 Even the data theft 697 00:31:37,700 --> 00:31:39,700 is like one of the conducts 698 00:31:39,700 --> 00:31:41,700 that match the fraud and are also 699 00:31:41,700 --> 00:31:43,700 punished by the Penal Code. 700 00:31:43,700 --> 00:31:45,700 So what do we have to do? 701 00:31:45,700 --> 00:31:47,700 We have to go and report 702 00:31:47,700 --> 00:31:49,700 to the prosecutors. 703 00:31:49,700 --> 00:31:51,700 That's what we have to do. 704 00:31:51,700 --> 00:31:53,700 Many people don't like it because of the process, 705 00:31:53,700 --> 00:31:55,700 because of what is delayed, 706 00:31:55,700 --> 00:31:57,700 but it's the best defense we have. 707 00:31:57,700 --> 00:31:59,700 As soon as we really 708 00:31:59,700 --> 00:32:01,700 fall into a fraud problem, 709 00:32:01,700 --> 00:32:03,700 whether physical or digital, 710 00:32:03,700 --> 00:32:05,700 electronic, 711 00:32:05,700 --> 00:32:07,700 we have to go and report. 712 00:32:07,700 --> 00:32:09,700 Nowadays there are reports 713 00:32:09,700 --> 00:32:11,700 that can be presented online. 714 00:32:11,700 --> 00:32:13,700 However, it depends on the type of crime, 715 00:32:13,700 --> 00:32:15,700 but we have to know the things 716 00:32:15,700 --> 00:32:17,700 that happened in each crime 717 00:32:17,700 --> 00:32:19,700 to see if the online report is accepted 718 00:32:19,700 --> 00:32:21,700 or if we have to physically 719 00:32:21,700 --> 00:32:23,700 go to the prosecution. 720 00:32:23,700 --> 00:32:25,700 Which page should I go to? 721 00:32:25,700 --> 00:32:27,700 It's very simple. For example, in Mexico City 722 00:32:27,700 --> 00:32:29,700 you type in the online report CDMX 723 00:32:29,700 --> 00:32:31,700 and it appears on the internet. 724 00:32:31,700 --> 00:32:33,700 The ones who listen to us in the rest of the country, 725 00:32:33,700 --> 00:32:35,700 in Tijuana, in the middle... 726 00:32:35,700 --> 00:32:37,700 In any other part of the country, 727 00:32:37,700 --> 00:32:39,700 because we have to distinguish if it's a federal crime 728 00:32:39,700 --> 00:32:41,700 or a local crime. 729 00:32:41,700 --> 00:32:43,700 The same thing, 730 00:32:43,700 --> 00:32:45,700 online report Tabasco 731 00:32:45,700 --> 00:32:47,700 and there appears the topic 732 00:32:47,700 --> 00:32:49,700 in any part of the country. 733 00:32:49,700 --> 00:32:51,700 And if I think my bank failed me, 734 00:32:51,700 --> 00:32:53,700 then I'll go to the Conducef. 735 00:32:53,700 --> 00:32:55,700 Only if you consider that the bank 736 00:32:55,700 --> 00:32:57,700 is really responsible. 737 00:32:57,700 --> 00:32:59,700 So suddenly the money disappeared from my account 738 00:32:59,700 --> 00:33:01,700 or I received some charges that I don't think I did. 739 00:33:01,700 --> 00:33:03,700 Exactly. 740 00:33:03,700 --> 00:33:05,700 So why do you recommend the Conducef? 741 00:33:05,700 --> 00:33:07,700 Because the Conducef will help the financial services users. 742 00:33:07,700 --> 00:33:09,700 However, the report 743 00:33:09,700 --> 00:33:11,700 is important if you 744 00:33:11,700 --> 00:33:13,700 have to do it, 745 00:33:13,700 --> 00:33:15,700 maybe it's convenient to do both. 746 00:33:15,700 --> 00:33:17,700 And where do I find the Conducef? 747 00:33:17,700 --> 00:33:19,700 Well, you have 748 00:33:19,700 --> 00:33:21,700 central offices in Insurgente Sur. 749 00:33:21,700 --> 00:33:23,700 But online. 750 00:33:23,700 --> 00:33:25,700 Online you have the Conducef website. 751 00:33:25,700 --> 00:33:27,700 So I look for Conducef and it appears. 752 00:33:27,700 --> 00:33:29,700 Yes, Conducef website and 753 00:33:29,700 --> 00:33:31,700 the data of the Conducef will appear, but to present 754 00:33:31,700 --> 00:33:33,700 the complaint you have the possibility 755 00:33:33,700 --> 00:33:35,700 to go with the financial institution or you have the 756 00:33:35,700 --> 00:33:37,700 possibility to go with the Conducef. 757 00:33:37,700 --> 00:33:39,700 But it's really a physical complaint. 758 00:33:39,700 --> 00:33:41,700 You have to present a physical description. 759 00:33:41,700 --> 00:33:43,700 And is there Conducef all over Mexico? 760 00:33:43,700 --> 00:33:45,700 It's centralized. 761 00:33:45,700 --> 00:33:47,700 They have offices all over the country, 762 00:33:47,700 --> 00:33:49,700 but let's say the central office 763 00:33:49,700 --> 00:33:51,700 is in Mexico City. 764 00:33:51,700 --> 00:33:53,700 I'm not saying because the ones that see us in Hermosillo, Monterrey or Guadalajara. 765 00:33:53,700 --> 00:33:55,700 There are offices representing the Conducef 766 00:33:55,700 --> 00:33:57,700 everywhere. 767 00:33:57,700 --> 00:33:59,700 You have to look for it. 768 00:33:59,700 --> 00:34:01,700 I invite you to join the conversation 769 00:34:01,700 --> 00:34:03,700 if you have any questions 770 00:34:03,700 --> 00:34:05,700 for the doctor also. 771 00:34:05,700 --> 00:34:07,700 I don't know what we have heard about, 772 00:34:07,700 --> 00:34:09,700 but I'm not sure what it is 773 00:34:09,700 --> 00:34:11,700 and if it really helps me. 774 00:34:11,700 --> 00:34:13,700 It's the Cyber Police. 775 00:34:13,700 --> 00:34:15,700 Is it an international police? 776 00:34:15,700 --> 00:34:17,700 Who are they? 777 00:34:17,700 --> 00:34:19,700 In Mexico we have 778 00:34:19,700 --> 00:34:21,700 32 Cyber Police. 779 00:34:21,700 --> 00:34:23,700 One in each state and Mexico City. 780 00:34:23,700 --> 00:34:25,700 It depends on the federal government. 781 00:34:25,700 --> 00:34:27,700 And there is one from the federal government. 782 00:34:27,700 --> 00:34:29,700 Each state has its own Cyber Police. 783 00:34:29,700 --> 00:34:31,700 Each state has its own Cyber Police 784 00:34:31,700 --> 00:34:33,700 and one from Mexico. 785 00:34:33,700 --> 00:34:35,700 From Mexico as a federation. 786 00:34:35,700 --> 00:34:37,700 And how do I find that one? 787 00:34:37,700 --> 00:34:39,700 On the internet. 788 00:34:39,700 --> 00:34:41,700 I search for it completely online. 789 00:34:41,700 --> 00:34:43,700 Mexico City Cyber Police, 790 00:34:43,700 --> 00:34:45,700 Mexico City Cyber Police, 791 00:34:45,700 --> 00:34:47,700 Federal Cyber Police, etc. 792 00:34:47,700 --> 00:34:49,700 And you find it online. 793 00:34:49,700 --> 00:34:51,700 And there you can file complaints, all online. 794 00:34:51,700 --> 00:34:53,700 There is no such thing as a cyber police. 795 00:34:53,700 --> 00:34:55,700 A police that has been created 796 00:34:55,700 --> 00:34:57,700 to check online issues. 797 00:34:57,700 --> 00:34:59,700 Internet issues, not just fraud. 798 00:34:59,700 --> 00:35:01,700 Any illicit behavior 799 00:35:01,700 --> 00:35:03,700 that is presented through the internet 800 00:35:03,700 --> 00:35:05,700 is the investigation police. 801 00:35:05,700 --> 00:35:07,700 In Mexico City 802 00:35:07,700 --> 00:35:09,700 there are two characteristics. 803 00:35:09,700 --> 00:35:11,700 Is it preventive or is it investigative? 804 00:35:11,700 --> 00:35:13,700 In the preventive part 805 00:35:13,700 --> 00:35:15,700 they are giving advice 806 00:35:15,700 --> 00:35:17,700 to the people who call, 807 00:35:17,700 --> 00:35:19,700 who communicate, 808 00:35:19,700 --> 00:35:21,700 by phone or by internet. 809 00:35:21,700 --> 00:35:23,700 And they say, this is happening to me. 810 00:35:23,700 --> 00:35:25,700 And the Cyber Police themselves 811 00:35:25,700 --> 00:35:27,700 start telling them what to do 812 00:35:27,700 --> 00:35:29,700 and what not to do. 813 00:35:29,700 --> 00:35:31,700 They answer you and everything. 814 00:35:31,700 --> 00:35:33,700 That is the preventive part. 815 00:35:33,700 --> 00:35:35,700 The investigative part has to do with the judge 816 00:35:35,700 --> 00:35:37,700 who is the cause. 817 00:35:37,700 --> 00:35:39,700 Because logically the police 818 00:35:39,700 --> 00:35:41,700 is the one who always investigates. 819 00:35:41,700 --> 00:35:43,700 But the judges give them the ability 820 00:35:43,700 --> 00:35:45,700 to continue investigating. 821 00:35:45,700 --> 00:35:47,700 Well, doctor, these 16 reforms 822 00:35:47,700 --> 00:35:49,700 we are reading here, the source is the Forbes magazine 823 00:35:49,700 --> 00:35:51,700 in Mexico, which says 824 00:35:51,700 --> 00:35:53,700 that in this sexeño 825 00:35:53,700 --> 00:35:55,700 16 legal reforms have been done. 826 00:35:55,700 --> 00:35:57,700 Well, it says legislative period, not sexeño. 827 00:35:57,700 --> 00:35:59,700 To reduce the incidence of crimes 828 00:35:59,700 --> 00:36:01,700 and increase the penalties for the guilty. 829 00:36:01,700 --> 00:36:03,700 Are, in your judgment, 830 00:36:03,700 --> 00:36:05,700 are good reforms 831 00:36:05,700 --> 00:36:07,700 useful if they are 832 00:36:07,700 --> 00:36:09,700 catching more criminals 833 00:36:09,700 --> 00:36:11,700 with those reforms? 834 00:36:11,700 --> 00:36:13,700 They are good reforms, but they are not enough. 835 00:36:13,700 --> 00:36:15,700 We need much more things. 836 00:36:15,700 --> 00:36:17,700 What has changed, for example, these reforms? 837 00:36:17,700 --> 00:36:19,700 Constitutionally, it is established 838 00:36:19,700 --> 00:36:21,700 precisely the issue of 839 00:36:21,700 --> 00:36:23,700 information technologies 840 00:36:23,700 --> 00:36:25,700 as a possibility for the Congress to regulate 841 00:36:25,700 --> 00:36:27,700 in the matter of information technologies. 842 00:36:27,700 --> 00:36:29,700 And in this case, we have 843 00:36:29,700 --> 00:36:31,700 a bill project 844 00:36:31,700 --> 00:36:33,700 from several months ago, last year, 845 00:36:33,700 --> 00:36:35,700 about cybersecurity 846 00:36:35,700 --> 00:36:37,700 that has not been approved. 847 00:36:37,700 --> 00:36:39,700 And about artificial intelligence, 848 00:36:39,700 --> 00:36:41,700 which you mentioned a while ago. 849 00:36:41,700 --> 00:36:43,700 And those projects have not been approved 850 00:36:43,700 --> 00:36:45,700 definitively. 851 00:36:45,700 --> 00:36:47,700 About identity theft? 852 00:36:47,700 --> 00:36:49,700 In the issue of cybersecurity, 853 00:36:49,700 --> 00:36:51,700 precisely what the authority 854 00:36:51,700 --> 00:36:53,700 should do to protect 855 00:36:53,700 --> 00:36:55,700 itself 856 00:36:55,700 --> 00:36:57,700 between authorities and 857 00:36:57,700 --> 00:36:59,700 to protect the citizenry. 858 00:36:59,700 --> 00:37:01,700 And guidelines for each person 859 00:37:01,700 --> 00:37:03,700 to protect themselves from 860 00:37:03,700 --> 00:37:05,700 cyber attacks, 861 00:37:05,700 --> 00:37:07,700 hackers, etc. 862 00:37:07,700 --> 00:37:09,700 So it is a very important law 863 00:37:09,700 --> 00:37:11,700 that should be approved. 864 00:37:11,700 --> 00:37:13,700 And about artificial intelligence, 865 00:37:13,700 --> 00:37:15,700 the management of artificial intelligence 866 00:37:15,700 --> 00:37:17,700 with all the ethical problem 867 00:37:17,700 --> 00:37:19,700 it has. Why? Because a while ago 868 00:37:19,700 --> 00:37:21,700 they mentioned that 869 00:37:21,700 --> 00:37:23,700 they are suppressing your identity, 870 00:37:23,700 --> 00:37:25,700 whether it is facial, 871 00:37:25,700 --> 00:37:27,700 or how you speak, your voice, etc. 872 00:37:27,700 --> 00:37:29,700 It just happened 873 00:37:29,700 --> 00:37:31,700 an important issue 874 00:37:31,700 --> 00:37:33,700 in a Chinese company 875 00:37:33,700 --> 00:37:35,700 of international size, 876 00:37:35,700 --> 00:37:37,700 where they talk to a director 877 00:37:37,700 --> 00:37:39,700 of finance in the United States 878 00:37:39,700 --> 00:37:41,700 and they tell him, hey, deposit 20 million dollars 879 00:37:41,700 --> 00:37:43,700 on this account. And the director of finance 880 00:37:43,700 --> 00:37:45,700 of the entire group in China is talking to you. 881 00:37:45,700 --> 00:37:47,700 So this person says, no, this is a fraud, 882 00:37:47,700 --> 00:37:49,700 I will not listen to him. They quote him 883 00:37:49,700 --> 00:37:51,700 to a virtual conference 884 00:37:51,700 --> 00:37:53,700 and they put the director of finance 885 00:37:53,700 --> 00:37:55,700 theoretically on the screen. 886 00:37:55,700 --> 00:37:57,700 And he explains to him, 887 00:37:57,700 --> 00:37:59,700 yes, you have to deposit these 20 million dollars 888 00:37:59,700 --> 00:38:01,700 on this account for this, etc. 889 00:38:01,700 --> 00:38:03,700 And this person is convinced 890 00:38:03,700 --> 00:38:05,700 and deposits the 20 million dollars. 891 00:38:05,700 --> 00:38:07,700 And it was not. 892 00:38:07,700 --> 00:38:09,700 With artificial intelligence 893 00:38:09,700 --> 00:38:11,700 they reproduced the director of finance 894 00:38:11,700 --> 00:38:13,700 of China. At that level it is already there. 895 00:38:13,700 --> 00:38:15,700 What I have seen 896 00:38:15,700 --> 00:38:17,700 is that it still looks a bit fake, 897 00:38:17,700 --> 00:38:19,700 but it has already reached the level. 898 00:38:19,700 --> 00:38:21,700 This happened a few days ago. 899 00:38:21,700 --> 00:38:23,700 But with that 900 00:38:23,700 --> 00:38:25,700 they can open my cell phone, my account 901 00:38:25,700 --> 00:38:27,700 in the bank or not? 902 00:38:27,700 --> 00:38:29,700 No, as it is. There we have to compete 903 00:38:29,700 --> 00:38:31,700 and raise the level 904 00:38:31,700 --> 00:38:33,700 of the technology that we use. 905 00:38:33,700 --> 00:38:35,700 For example, the app 906 00:38:35,700 --> 00:38:37,700 is not possible for someone to enter 907 00:38:37,700 --> 00:38:39,700 with a face made with artificial intelligence. 908 00:38:39,700 --> 00:38:41,700 It has certain 909 00:38:41,700 --> 00:38:43,700 identification measures of this type 910 00:38:43,700 --> 00:38:45,700 of fraud. Or what Sahari explained 911 00:38:45,700 --> 00:38:47,700 with the opening of accounts 912 00:38:47,700 --> 00:38:49,700 and the INE, the photo, etc. 913 00:38:49,700 --> 00:38:51,700 There are elements that we put 914 00:38:51,700 --> 00:38:53,700 in our technology that help you to filter 915 00:38:53,700 --> 00:38:55,700 these things made 916 00:38:55,700 --> 00:38:57,700 by artificial intelligence. But you have to 917 00:38:57,700 --> 00:38:59,700 go every day, every day improving 918 00:38:59,700 --> 00:39:01,700 because they are also improving. 919 00:39:01,700 --> 00:39:03,700 Yes, a lot of money. I would go with the next question. 920 00:39:03,700 --> 00:39:05,700 What else are banking institutions 921 00:39:05,700 --> 00:39:07,700 doing with their knowledge 922 00:39:07,700 --> 00:39:09,700 to protect themselves and us 923 00:39:09,700 --> 00:39:11,700 as users too? Because it is a protection 924 00:39:11,700 --> 00:39:13,700 for all. What else are they doing? Where is the ball going? 925 00:39:13,700 --> 00:39:15,700 Yes, in our case 926 00:39:15,700 --> 00:39:17,700 what we do is put several controls, 927 00:39:17,700 --> 00:39:19,700 either for access or authentication. 928 00:39:19,700 --> 00:39:21,700 That's why we suddenly say, hey, give me your email 929 00:39:21,700 --> 00:39:23,700 and confirm that 930 00:39:23,700 --> 00:39:25,700 you are the one who is doing that, give me your phone 931 00:39:25,700 --> 00:39:27,700 and I will send you a number. 932 00:39:27,700 --> 00:39:29,700 Give me your digital fingerprint. 933 00:39:29,700 --> 00:39:31,700 Then we do several verifications 934 00:39:31,700 --> 00:39:33,700 and additionally we also do 935 00:39:33,700 --> 00:39:35,700 several checks. Usually 936 00:39:35,700 --> 00:39:37,700 when there are very large amounts 937 00:39:37,700 --> 00:39:39,700 or operations as not 938 00:39:39,700 --> 00:39:41,700 so common, it is when 939 00:39:41,700 --> 00:39:43,700 we know that our alerts are turned on 940 00:39:43,700 --> 00:39:45,700 and that's when we put a little more 941 00:39:45,700 --> 00:39:47,700 controls so that we make sure 942 00:39:47,700 --> 00:39:49,700 that it is really the person who has to be doing this. 943 00:39:49,700 --> 00:39:51,700 And well, there is a lot of technology behind it. 944 00:39:51,700 --> 00:39:55,700 Information, artificial intelligence models, 945 00:39:55,700 --> 00:39:57,700 we are getting together with all these things. 946 00:39:57,700 --> 00:39:59,700 For our peace of mind, banks 947 00:39:59,700 --> 00:40:01,700 have specific teams 948 00:40:01,700 --> 00:40:03,700 that do that all day long. 949 00:40:03,700 --> 00:40:05,700 Go improving, improving, improving. 950 00:40:05,700 --> 00:40:07,700 What is the name of that department in a bank? 951 00:40:07,700 --> 00:40:09,700 Or who are the ones working there? 952 00:40:09,700 --> 00:40:11,700 Because there are hackers and fraudsters 953 00:40:11,700 --> 00:40:13,700 and the bank has to have its team 954 00:40:13,700 --> 00:40:15,700 that is counteracting. 955 00:40:15,700 --> 00:40:17,700 Yes, well, we have many teams 956 00:40:17,700 --> 00:40:19,700 involved, mine in particular, which is fraud prevention, 957 00:40:19,700 --> 00:40:21,700 but we have one of cyber security, 958 00:40:21,700 --> 00:40:23,700 we have another one of physical security 959 00:40:23,700 --> 00:40:25,700 and we all work with the technology teams 960 00:40:25,700 --> 00:40:27,700 that are the ones that are developing 961 00:40:27,700 --> 00:40:29,700 and developing new things and advancing. 962 00:40:29,700 --> 00:40:31,700 Yes, because they are sophisticated, right? 963 00:40:31,700 --> 00:40:33,700 I suddenly for entertainment 964 00:40:33,700 --> 00:40:35,700 there are YouTube channels where some 965 00:40:35,700 --> 00:40:37,700 good hackers hack 966 00:40:37,700 --> 00:40:39,700 and you see them getting in 967 00:40:39,700 --> 00:40:41,700 and they discover them and they are in India 968 00:40:41,700 --> 00:40:43,700 and they are still being harassed by a victim 969 00:40:43,700 --> 00:40:45,700 and on the contrary, they steal 970 00:40:45,700 --> 00:40:47,700 their databases from the fraudsters, 971 00:40:47,700 --> 00:40:49,700 they delete the information from the computer, 972 00:40:49,700 --> 00:40:51,700 they turn on the camera and they say 973 00:40:51,700 --> 00:40:53,700 I'm watching you and you are in such a location 974 00:40:53,700 --> 00:40:55,700 in India, there is a lot, 975 00:40:55,700 --> 00:40:57,700 it is not the only country in the world, 976 00:40:57,700 --> 00:40:59,700 but there are YouTube channels there 977 00:40:59,700 --> 00:41:01,700 and you realize that they are like call centers, 978 00:41:01,700 --> 00:41:03,700 that is, places where there can be 979 00:41:03,700 --> 00:41:05,700 hundreds, hundreds of people 980 00:41:05,700 --> 00:41:07,700 together in a fraud team and that there are managers 981 00:41:07,700 --> 00:41:09,700 and managers and they are scaling it, 982 00:41:09,700 --> 00:41:11,700 it is a professional thing, 983 00:41:11,700 --> 00:41:13,700 it is not a guy throwing a taco in the house 984 00:41:13,700 --> 00:41:15,700 watching what it hits. No, they are intelligent, 985 00:41:15,700 --> 00:41:17,700 organized people, we 986 00:41:17,700 --> 00:41:19,700 have a multidisciplinary team 987 00:41:19,700 --> 00:41:21,700 and we call it the anti-fraud league 988 00:41:21,700 --> 00:41:23,700 because we need to be prepared 989 00:41:23,700 --> 00:41:25,700 in all aspects, 990 00:41:25,700 --> 00:41:27,700 from the operation 991 00:41:27,700 --> 00:41:29,700 to the most sophisticated models. 992 00:41:29,700 --> 00:41:31,700 Doctor, 993 00:41:31,700 --> 00:41:33,700 an important thing for the audience, 994 00:41:33,700 --> 00:41:35,700 when they receive 995 00:41:35,700 --> 00:41:37,700 a call or receive 996 00:41:37,700 --> 00:41:39,700 a message, 997 00:41:39,700 --> 00:41:41,700 an email, it is important that they take 998 00:41:41,700 --> 00:41:43,700 a little time to analyze it 999 00:41:43,700 --> 00:41:45,700 because the rush is what 1000 00:41:45,700 --> 00:41:47,700 benefits the criminals, 1001 00:41:47,700 --> 00:41:49,700 if you do not start thinking, 1002 00:41:49,700 --> 00:41:51,700 you act only in what they are asking you and you already fell. 1003 00:41:51,700 --> 00:41:53,700 So take a moment 1004 00:41:53,700 --> 00:41:55,700 to see if what they are asking you is real, 1005 00:41:55,700 --> 00:41:57,700 because many times 1006 00:41:57,700 --> 00:41:59,700 there you realize in the emails, 1007 00:41:59,700 --> 00:42:01,700 it says it comes from Forbes and it turns out 1008 00:42:01,700 --> 00:42:03,700 that it is from Hotmail. I do not know what, 1009 00:42:03,700 --> 00:42:05,700 it is not Forbes, there you realize. 1010 00:42:05,700 --> 00:42:07,700 When they call you, what do they do? 1011 00:42:07,700 --> 00:42:09,700 They call you, they ask you for your physical 1012 00:42:09,700 --> 00:42:11,700 phone, this 1013 00:42:11,700 --> 00:42:13,700 local phone, so that you are 1014 00:42:13,700 --> 00:42:15,700 on two phones and no one 1015 00:42:15,700 --> 00:42:17,700 can tell you that you are falling into a problem. 1016 00:42:17,700 --> 00:42:19,700 So at that moment 1017 00:42:19,700 --> 00:42:21,700 you are not thinking about 1018 00:42:21,700 --> 00:42:23,700 talking to a third party, so take 1019 00:42:23,700 --> 00:42:25,700 that moment, if you can hang up, hang up, 1020 00:42:25,700 --> 00:42:27,700 talk to someone else, hey, 1021 00:42:27,700 --> 00:42:29,700 they are telling me this, how do you see? 1022 00:42:29,700 --> 00:42:31,700 And surely someone tells you, no, no, no, they are 1023 00:42:31,700 --> 00:42:33,700 trying to extort you, because the problem 1024 00:42:33,700 --> 00:42:35,700 is that people act so fast and 1025 00:42:35,700 --> 00:42:37,700 they do not let you move, which is 1026 00:42:37,700 --> 00:42:39,700 when you fall. Now on the issue of 1027 00:42:39,700 --> 00:42:41,700 cybersecurity, people 1028 00:42:41,700 --> 00:42:43,700 when you talk about cybersecurity say, ah, 1029 00:42:43,700 --> 00:42:45,700 they are going to put some impressive systems that 1030 00:42:45,700 --> 00:42:47,700 are going to eliminate hacking, 1031 00:42:47,700 --> 00:42:49,700 cybernetic attack, it is 1032 00:42:49,700 --> 00:42:51,700 more than impossible to eliminate 1033 00:42:51,700 --> 00:42:53,700 hacking and cybernetic attacks. 1034 00:42:53,700 --> 00:42:55,700 You have to be careful. But 1035 00:42:55,700 --> 00:42:57,700 I can ask you to wait for us, the time is going, 1036 00:42:57,700 --> 00:42:59,700 we are going to stay another half hour on Radio 1037 00:42:59,700 --> 00:43:01,700 Fórmula, but the friends of Telefórmula, here we close 1038 00:43:01,700 --> 00:43:03,700 the broadcast, they will be with Maxine Goodside, 1039 00:43:03,700 --> 00:43:05,700 I thank you very much for Telefórmula, the 1040 00:43:05,700 --> 00:43:07,700 information they gave us, on Radio Fórmula 1041 00:43:07,700 --> 00:43:09,700 we will continue live. Tomorrow, by the way, 1042 00:43:09,700 --> 00:43:11,700 Thursday and Friday we will be in Monte Rey, 1043 00:43:11,700 --> 00:43:13,700 Nuevo León, and the topic of tomorrow here in the 1044 00:43:13,700 --> 00:43:15,700 program will be how to take care of our 1045 00:43:15,700 --> 00:43:17,700 energy, being tired, 1046 00:43:17,700 --> 00:43:19,700 not sleeping well is something that 1047 00:43:19,700 --> 00:43:21,700 is not convenient for us, and tomorrow we will talk 1048 00:43:21,700 --> 00:43:23,700 about a form of self-love, which is to take care 1049 00:43:23,700 --> 00:43:25,700 of our energy. 1050 00:43:25,700 --> 00:43:27,700 So do not miss the program tomorrow 1051 00:43:27,700 --> 00:43:29,700 from Monte Rey, Nuevo León. Thanks, Telefórmula, 1052 00:43:29,700 --> 00:43:31,700 we return on Radio after a break. 1053 00:43:31,700 --> 00:43:33,700 Get ready. 1054 00:43:33,700 --> 00:43:35,700 Continue the conversation with Marco 1055 00:43:35,700 --> 00:43:37,700 Antonio Regil on Fórmula. 1056 00:43:37,700 --> 00:43:39,700 We continue live with our guests 1057 00:43:39,700 --> 00:43:41,700 talking today about the topic of frauds, 1058 00:43:41,700 --> 00:43:43,700 especially digital, theft of 1059 00:43:43,700 --> 00:43:45,700 identity, cybersecurity, so 1060 00:43:45,700 --> 00:43:47,700 we do not fall into that. Mónica Turcato, 1061 00:43:47,700 --> 00:43:49,700 Director of Fraud Prevention of BBVA, 1062 00:43:49,700 --> 00:43:51,700 BBVA, 1063 00:43:51,700 --> 00:43:53,700 that everyone keeps calling her Vancomer, but 1064 00:43:53,700 --> 00:43:55,700 she is also known as BBVA, 1065 00:43:55,700 --> 00:43:57,700 Zahary Cabello, who has a master's degree 1066 00:43:57,700 --> 00:43:59,700 in Risk Administration, yes or no? 1067 00:43:59,700 --> 00:44:01,700 Yes. 1068 00:44:01,700 --> 00:44:03,700 BBVA, Vancomer. 1069 00:44:03,700 --> 00:44:05,700 Doctor in Law, 1070 00:44:05,700 --> 00:44:07,700 Raul Valencia, who is also 1071 00:44:07,700 --> 00:44:09,700 an expert in cybersecurity. 1072 00:44:09,700 --> 00:44:11,700 A number of messages 1073 00:44:11,700 --> 00:44:13,700 on my Instagram account, that is Marco Antonio Regil, 1074 00:44:13,700 --> 00:44:15,700 says, for example, 1075 00:44:15,700 --> 00:44:17,700 the notary does not write, 1076 00:44:17,700 --> 00:44:19,700 Funtani Crocs, 1077 00:44:19,700 --> 00:44:21,700 since in Instagram they put exotic names, 1078 00:44:21,700 --> 00:44:23,700 the notary did not write 1079 00:44:23,700 --> 00:44:25,700 in my house, a year and a half later 1080 00:44:25,700 --> 00:44:27,700 we realized, what do we do there? 1081 00:44:27,700 --> 00:44:29,700 It's a fraud, it's not digital, but 1082 00:44:29,700 --> 00:44:31,700 the notary did not write in my house. 1083 00:44:31,700 --> 00:44:33,700 So, who is your office? 1084 00:44:33,700 --> 00:44:35,700 We should see the reasons why he did not write. 1085 00:44:35,700 --> 00:44:37,700 I am a public courier in the city of Mexico, 1086 00:44:37,700 --> 00:44:39,700 not a notary. 1087 00:44:39,700 --> 00:44:41,700 But, I mean, when you are going to write 1088 00:44:41,700 --> 00:44:43,700 a property, you have to 1089 00:44:43,700 --> 00:44:45,700 first manage with the notary 1090 00:44:45,700 --> 00:44:47,700 and see that the corresponding procedures are being done. 1091 00:44:47,700 --> 00:44:49,700 Of course, you have to pay 1092 00:44:49,700 --> 00:44:51,700 the notary, the corresponding taxes, 1093 00:44:51,700 --> 00:44:53,700 and the notary has to write. 1094 00:44:53,700 --> 00:44:55,700 It's difficult to understand, I didn't realize 1095 00:44:55,700 --> 00:44:57,700 how I didn't realize in a year and a half. 1096 00:44:57,700 --> 00:44:59,700 You didn't check something, right? 1097 00:44:59,700 --> 00:45:01,700 Of course, you have to take responsibility and verify, 1098 00:45:01,700 --> 00:45:03,700 not wait for you to... 1099 00:45:03,700 --> 00:45:05,700 Of course, and if it is a notary, a specific one, 1100 00:45:05,700 --> 00:45:07,700 then you have to go and tell him, hey, what happened? 1101 00:45:07,700 --> 00:45:09,700 And if not, report. 1102 00:45:09,700 --> 00:45:11,700 And if even to the notary school and everything, 1103 00:45:11,700 --> 00:45:13,700 also put complaints, to see what happened, 1104 00:45:13,700 --> 00:45:15,700 or report. Here there is a real estate fraud, 1105 00:45:15,700 --> 00:45:17,700 they say Venezuela, but well, in Mexico 1106 00:45:17,700 --> 00:45:19,700 I have also heard a lot, Mayra Camacaro. 1107 00:45:19,700 --> 00:45:21,700 Fraud and real estate in Venezuela 1108 00:45:21,700 --> 00:45:23,700 sold a land to build many people 1109 00:45:23,700 --> 00:45:25,700 at the same time, that is, they sell land 1110 00:45:25,700 --> 00:45:27,700 that is not, that is not owned by them. 1111 00:45:27,700 --> 00:45:29,700 Of course, many times, which is one of the 1112 00:45:29,700 --> 00:45:31,700 questions that are typified as fraud. 1113 00:45:31,700 --> 00:45:33,700 Selling the same thing several times 1114 00:45:33,700 --> 00:45:35,700 is clearly a fraud, you have to go and report. 1115 00:45:35,700 --> 00:45:37,700 Yes, Tallera Matt says the calls 1116 00:45:37,700 --> 00:45:39,700 from the bank that tell you that you have 1117 00:45:39,700 --> 00:45:41,700 a charge, at that moment they caught me 1118 00:45:41,700 --> 00:45:43,700 driving and with rain I fell. 1119 00:45:43,700 --> 00:45:45,700 They caught you in a curve 1120 00:45:45,700 --> 00:45:47,700 in your five minutes. Pause, 1121 00:45:47,700 --> 00:45:49,700 nothing happens if you don't answer. Pause. 1122 00:45:49,700 --> 00:45:51,700 Pause and think. Cindy Rao 89, 1123 00:45:51,700 --> 00:45:53,700 they bought a television, 1124 00:45:53,700 --> 00:45:55,700 a television, my name, through the virtual store 1125 00:45:55,700 --> 00:45:57,700 De Claro Colombia. 1126 00:45:57,700 --> 00:45:59,700 Well, there, that is, it is not 1127 00:45:59,700 --> 00:46:01,700 De Claro's fault, but they stole the data 1128 00:46:01,700 --> 00:46:03,700 and then they got in there. 1129 00:46:03,700 --> 00:46:05,700 Yes, a compa, says Pato 1130 00:46:05,700 --> 00:46:07,700 Beret, says a company worked like Telcel 1131 00:46:07,700 --> 00:46:09,700 gave me a Samsung device and it was a 1132 00:46:09,700 --> 00:46:11,700 hacked phone. 1133 00:46:11,700 --> 00:46:13,700 How strong, right? 1134 00:46:13,700 --> 00:46:15,700 Sophisticated, sophisticated. 1135 00:46:15,700 --> 00:46:17,700 Pato Beret also says in TikTok 1136 00:46:17,700 --> 00:46:19,700 for watching videos, I received small deposits 1137 00:46:19,700 --> 00:46:21,700 and then it was to make payments and I received double. 1138 00:46:21,700 --> 00:46:23,700 If it sounds too good 1139 00:46:23,700 --> 00:46:25,700 to be true, 1140 00:46:25,700 --> 00:46:27,700 it is a fraud, 1141 00:46:27,700 --> 00:46:29,700 do not fall, because then they also take advantage of 1142 00:46:29,700 --> 00:46:31,700 they want to see your ambition. 1143 00:46:31,700 --> 00:46:33,700 Hey, I need to send a money 1144 00:46:33,700 --> 00:46:35,700 that you keep in your account. 1145 00:46:35,700 --> 00:46:37,700 A inheritance, but I'm 1146 00:46:37,700 --> 00:46:39,700 in China and I need to send you 1147 00:46:39,700 --> 00:46:41,700 the inheritance, give me your account number, 1148 00:46:41,700 --> 00:46:43,700 I'm going to deposit it and you say, ah, I'm going to screw it up. 1149 00:46:43,700 --> 00:46:45,700 Poor thing, like Gavilano 1150 00:46:45,700 --> 00:46:47,700 Paloma de Jose Jose. 1151 00:46:47,700 --> 00:46:49,700 Exactly. 1152 00:46:49,700 --> 00:46:51,700 Silvia Bluf, when they want to hire you 1153 00:46:51,700 --> 00:46:53,700 so you can work from home and they ask you 1154 00:46:53,700 --> 00:46:55,700 to go somewhere else. 1155 00:46:55,700 --> 00:46:57,700 There it is too. 1156 00:46:57,700 --> 00:46:59,700 Well, there are a lot of messages. 1157 00:46:59,700 --> 00:47:01,700 It says, Van Coppel 1158 00:47:01,700 --> 00:47:03,700 sold my data and they could charge 1159 00:47:03,700 --> 00:47:05,700 30,000 to my credit. 1160 00:47:05,700 --> 00:47:07,700 Well, we'll have to see how 1161 00:47:07,700 --> 00:47:09,700 Van Coppel sold the data. 1162 00:47:09,700 --> 00:47:11,700 Well, a while ago they said 1163 00:47:11,700 --> 00:47:13,700 that 1164 00:47:13,700 --> 00:47:15,700 if they steal your identity 1165 00:47:15,700 --> 00:47:17,700 and use that information to go with 1166 00:47:17,700 --> 00:47:19,700 several financial institutions to get 1167 00:47:19,700 --> 00:47:21,700 credit and indeed they have fallen. 1168 00:47:21,700 --> 00:47:23,700 Several financial institutions, if they grant 1169 00:47:23,700 --> 00:47:25,700 the credit, even checking the credit bureau, 1170 00:47:25,700 --> 00:47:27,700 even checking what they should 1171 00:47:27,700 --> 00:47:29,700 check, they have fallen. 1172 00:47:29,700 --> 00:47:31,700 So it is important that 1173 00:47:31,700 --> 00:47:33,700 both financial institutions clearly 1174 00:47:33,700 --> 00:47:35,700 check the information, as 1175 00:47:35,700 --> 00:47:37,700 when you realize it, immediately 1176 00:47:37,700 --> 00:47:39,700 report it, and immediately 1177 00:47:39,700 --> 00:47:41,700 if it is a financial institution issue, 1178 00:47:41,700 --> 00:47:43,700 go to the bureau. Because indeed 1179 00:47:43,700 --> 00:47:45,700 it has happened. With your own 1180 00:47:45,700 --> 00:47:47,700 file, you have taken a credit, 1181 00:47:47,700 --> 00:47:49,700 a car, whatever, a phone, 1182 00:47:49,700 --> 00:47:51,700 with your own file in several 1183 00:47:51,700 --> 00:47:53,700 financial institutions. So you have to be careful 1184 00:47:53,700 --> 00:47:55,700 with that. It happened many years ago 1185 00:47:55,700 --> 00:47:57,700 in the United States, in Wells Fargo, which is one of the 1186 00:47:57,700 --> 00:47:59,700 largest banks in the United States, where 1187 00:47:59,700 --> 00:48:01,700 the same bank doubled and 1188 00:48:01,700 --> 00:48:03,700 did, to reach their numbers, 1189 00:48:03,700 --> 00:48:05,700 let's say, to open more bank accounts, 1190 00:48:05,700 --> 00:48:07,700 they doubled or tripled the bank accounts. 1191 00:48:07,700 --> 00:48:09,700 It was a strong federal scandal. 1192 00:48:09,700 --> 00:48:11,700 Now, here we have to see if the bank 1193 00:48:11,700 --> 00:48:13,700 was the one who transmitted that information 1194 00:48:13,700 --> 00:48:15,700 to some bank employee, or they gave 1195 00:48:15,700 --> 00:48:17,700 their data elsewhere and in the end they believed 1196 00:48:17,700 --> 00:48:19,700 that it was the bank. That is also important. 1197 00:48:19,700 --> 00:48:21,700 We have to verify it, because we do not know. 1198 00:48:21,700 --> 00:48:23,700 Carolina Diaz from Ciudad de Mexico, which is 1199 00:48:23,700 --> 00:48:25,700 one of our partners who signed up at 1200 00:48:25,700 --> 00:48:27,700 marcontonio merquil.com. The formula asks us, 1201 00:48:27,700 --> 00:48:29,700 I am about to buy an apartment and the 1202 00:48:29,700 --> 00:48:31,700 contractor I contacted has some comments 1203 00:48:31,700 --> 00:48:33,700 that they are fraud. How can I make sure 1204 00:48:33,700 --> 00:48:35,700 that the company is reliable? What would 1205 00:48:35,700 --> 00:48:37,700 the institutions I could go to 1206 00:48:37,700 --> 00:48:41,700 avoid a real estate fraud be? 1207 00:48:41,700 --> 00:48:43,700 In that case, we have the Profeco, 1208 00:48:43,700 --> 00:48:45,700 which protects the consumer 1209 00:48:45,700 --> 00:48:47,700 from the incorrect 1210 00:48:47,700 --> 00:48:49,700 activities of the companies. 1211 00:48:49,700 --> 00:48:51,700 Yes. 1212 00:48:51,700 --> 00:48:53,700 It is not a financial issue, because there is no 1213 00:48:53,700 --> 00:48:55,700 financial institution in the middle, so there is 1214 00:48:55,700 --> 00:48:57,700 the Profeco and it can help them 1215 00:48:57,700 --> 00:48:59,700 and identify if the company exists, 1216 00:48:59,700 --> 00:49:01,700 if it does not exist, etc. They also have to 1217 00:49:01,700 --> 00:49:03,700 present their complaint to the Profeco 1218 00:49:03,700 --> 00:49:05,700 and there are offices in the entire country. 1219 00:49:05,700 --> 00:49:07,700 So that would be a line 1220 00:49:07,700 --> 00:49:09,700 regardless of the issue of the 1221 00:49:09,700 --> 00:49:11,700 complaint that I already mentioned. 1222 00:49:11,700 --> 00:49:13,700 Cecilo Zano from Ciudad de Mexico says, if we notice a 1223 00:49:13,700 --> 00:49:15,700 fraud, what is the most convenient and safe thing to 1224 00:49:15,700 --> 00:49:17,700 do to take care of us and stop 1225 00:49:17,700 --> 00:49:19,700 their actions? You noticed it. 1226 00:49:19,700 --> 00:49:21,700 I have a fraud, this is a fraud. 1227 00:49:21,700 --> 00:49:23,700 I did not fall, but what do I do? 1228 00:49:23,700 --> 00:49:25,700 Can I help prevent other people from falling? 1229 00:49:25,700 --> 00:49:27,700 Who do I talk to? Who do I tell them? 1230 00:49:27,700 --> 00:49:29,700 You can report it 1231 00:49:29,700 --> 00:49:31,700 to the bank. We have 1232 00:49:31,700 --> 00:49:33,700 a line of suspicion, 1233 00:49:33,700 --> 00:49:35,700 fraud. I did not fall, but we collect 1234 00:49:35,700 --> 00:49:37,700 the information to try 1235 00:49:37,700 --> 00:49:39,700 to prevent other people 1236 00:49:39,700 --> 00:49:41,700 from falling and you can raise a complaint. 1237 00:49:41,700 --> 00:49:43,700 You can always raise a complaint 1238 00:49:43,700 --> 00:49:45,700 to report the phone number, 1239 00:49:45,700 --> 00:49:47,700 to report the name. Or the email. 1240 00:49:47,700 --> 00:49:49,700 The email. I receive 1241 00:49:49,700 --> 00:49:51,700 an email with the name 1242 00:49:51,700 --> 00:49:53,700 X, Bank Institution. 1243 00:49:53,700 --> 00:49:55,700 I realize it is a fraud. 1244 00:49:55,700 --> 00:49:57,700 So I call the bank and say, hey, I received 1245 00:49:57,700 --> 00:49:59,700 this email. 1246 00:49:59,700 --> 00:50:01,700 And you send it back to them. 1247 00:50:01,700 --> 00:50:03,700 The cyber police that mentioned it. 1248 00:50:03,700 --> 00:50:05,700 Another important tip, 1249 00:50:05,700 --> 00:50:07,700 I think that if you already fell and gave some 1250 00:50:07,700 --> 00:50:09,700 information, typically they ask you 1251 00:50:09,700 --> 00:50:11,700 for keys. So, 1252 00:50:11,700 --> 00:50:13,700 look at your passwords, change them 1253 00:50:13,700 --> 00:50:15,700 immediately in the institutions' 1254 00:50:15,700 --> 00:50:17,700 portals, in your email, 1255 00:50:17,700 --> 00:50:19,700 because it is also a very typical 1256 00:50:19,700 --> 00:50:21,700 medium. So, I gave you information, 1257 00:50:21,700 --> 00:50:23,700 cancel the account or change 1258 00:50:23,700 --> 00:50:25,700 passwords. And if they were phones, 1259 00:50:25,700 --> 00:50:27,700 there is where you can report 1260 00:50:27,700 --> 00:50:29,700 what fraudulent phones are, 1261 00:50:29,700 --> 00:50:31,700 you do it online and there it is 1262 00:50:31,700 --> 00:50:33,700 registered as a fraudulent number. 1263 00:50:33,700 --> 00:50:35,700 With the cyber police too? 1264 00:50:35,700 --> 00:50:37,700 There is a specific phone 1265 00:50:37,700 --> 00:50:39,700 where you... and an internet 1266 00:50:39,700 --> 00:50:41,700 email account where you 1267 00:50:41,700 --> 00:50:43,700 send that information and it is already registered 1268 00:50:43,700 --> 00:50:45,700 as a fraud. On the internet. 1269 00:50:45,700 --> 00:50:47,700 But how do I find it? 1270 00:50:47,700 --> 00:50:49,700 Fraud... 1271 00:50:49,700 --> 00:50:51,700 Lines, fraudulent phones, 1272 00:50:51,700 --> 00:50:53,700 or fraudulent phones. And there it appears 1273 00:50:53,700 --> 00:50:55,700 where you should report it. 1274 00:50:55,700 --> 00:50:57,700 Now, also on social networks nowadays 1275 00:50:57,700 --> 00:50:59,700 it is very easy 1276 00:50:59,700 --> 00:51:01,700 to pass the information 1277 00:51:01,700 --> 00:51:03,700 of what is happening and that is when people say 1278 00:51:03,700 --> 00:51:05,700 be careful with these things, it is also worth it. 1279 00:51:05,700 --> 00:51:07,700 Listen, for example 1280 00:51:07,700 --> 00:51:09,700 sending data 1281 00:51:09,700 --> 00:51:11,700 by WhatsApp, what is safer? If someone 1282 00:51:11,700 --> 00:51:13,700 asks you, you have to send it for a credit 1283 00:51:13,700 --> 00:51:15,700 or something, they say send me 1284 00:51:15,700 --> 00:51:17,700 your bank account status. 1285 00:51:17,700 --> 00:51:19,700 What is safer? Send it by WhatsApp, send it 1286 00:51:19,700 --> 00:51:21,700 by email, because you have to send it 1287 00:51:21,700 --> 00:51:23,700 by email somehow. 1288 00:51:23,700 --> 00:51:25,700 How do I do it? 1289 00:51:25,700 --> 00:51:27,700 I mean, I think there is, if there is no 1290 00:51:27,700 --> 00:51:29,700 other way, delete or delete 1291 00:51:29,700 --> 00:51:31,700 or hide the sensitive information 1292 00:51:31,700 --> 00:51:33,700 and that it is not necessary 1293 00:51:33,700 --> 00:51:35,700 for the process. And make sure 1294 00:51:35,700 --> 00:51:37,700 that the accounts 1295 00:51:37,700 --> 00:51:39,700 that this information is sent to are official accounts 1296 00:51:39,700 --> 00:51:41,700 or that they come from 1297 00:51:41,700 --> 00:51:43,700 certified pages, those that have 1298 00:51:43,700 --> 00:51:45,700 the little pad next to the HTTP. 1299 00:51:45,700 --> 00:51:47,700 So, it would be a little bit of that. 1300 00:51:47,700 --> 00:51:49,700 What is less dangerous, WhatsApp 1301 00:51:49,700 --> 00:51:51,700 or email? 1302 00:51:51,700 --> 00:51:53,700 I think it is easier to verify 1303 00:51:53,700 --> 00:51:55,700 that it is true 1304 00:51:55,700 --> 00:51:57,700 that it is from the institution of an email 1305 00:51:57,700 --> 00:51:59,700 or WhatsApp, because if you write 1306 00:51:59,700 --> 00:52:01,700 an executive from your 1307 00:52:01,700 --> 00:52:03,700 WhatsApp account, you will never be able to verify. 1308 00:52:03,700 --> 00:52:05,700 But for me, in the case that it is 1309 00:52:05,700 --> 00:52:07,700 a mailman 1310 00:52:07,700 --> 00:52:09,700 who is looking for credit, 1311 00:52:09,700 --> 00:52:11,700 I am going to buy a car, a car, a house 1312 00:52:11,700 --> 00:52:13,700 and he is looking for credit and he is going to 1313 00:52:13,700 --> 00:52:15,700 check with several banking institutions and he says, hey, send me 1314 00:52:15,700 --> 00:52:17,700 your ID, 1315 00:52:17,700 --> 00:52:19,700 the birth certificate, 1316 00:52:19,700 --> 00:52:21,700 the account status, the latest six months, 1317 00:52:21,700 --> 00:52:23,700 a lot of sensitive documents 1318 00:52:23,700 --> 00:52:25,700 and I have to send them because 1319 00:52:25,700 --> 00:52:27,700 how do I send them? 1320 00:52:27,700 --> 00:52:29,700 Or to your accountant, there are a lot of ways 1321 00:52:29,700 --> 00:52:31,700 in which you cannot avoid sending 1322 00:52:31,700 --> 00:52:33,700 sensitive information. I think it is the same 1323 00:52:33,700 --> 00:52:35,700 as dangerous in WhatsApp as in email. 1324 00:52:35,700 --> 00:52:37,700 The issue is that you really notice 1325 00:52:37,700 --> 00:52:39,700 that you are sending it to the person you want to send it to. 1326 00:52:39,700 --> 00:52:41,700 But can't they intercept it 1327 00:52:41,700 --> 00:52:43,700 from the outside? 1328 00:52:43,700 --> 00:52:45,700 Hardly. 1329 00:52:45,700 --> 00:52:47,700 Or verify it. 1330 00:52:47,700 --> 00:52:49,700 Hey, you asked me to talk on the phone, 1331 00:52:49,700 --> 00:52:51,700 you asked for this information, yes or no? 1332 00:52:51,700 --> 00:52:53,700 No, no, no, that has been super clear to me. 1333 00:52:53,700 --> 00:52:55,700 I have to verify who it is, but I mean, I already know that if it is 1334 00:52:55,700 --> 00:52:57,700 such a person, the banking institution 1335 00:52:57,700 --> 00:52:59,700 is asking me for something. 1336 00:52:59,700 --> 00:53:01,700 Now, typically when they ask you for your credit card, 1337 00:53:01,700 --> 00:53:03,700 you never send the back 1338 00:53:03,700 --> 00:53:05,700 where the numbers come from, it is not allowed. 1339 00:53:05,700 --> 00:53:07,700 Sure. What is more 1340 00:53:07,700 --> 00:53:09,700 or less dangerous? 1341 00:53:09,700 --> 00:53:11,700 Manage debit or credit card? 1342 00:53:11,700 --> 00:53:13,700 If they clone my card 1343 00:53:13,700 --> 00:53:15,700 and they take something from me, what is worse? 1344 00:53:15,700 --> 00:53:17,700 That they clone my debit card or my credit card? 1345 00:53:17,700 --> 00:53:19,700 What is worse? 1346 00:53:19,700 --> 00:53:21,700 I say that debit card is worse. 1347 00:53:21,700 --> 00:53:23,700 Because they take you directly from the bank? 1348 00:53:23,700 --> 00:53:25,700 Exactly. 1349 00:53:25,700 --> 00:53:27,700 So, the credit card, at least I can fight with the bank 1350 00:53:27,700 --> 00:53:29,700 and say, hey, I didn't do this job. 1351 00:53:29,700 --> 00:53:31,700 Yes, and normally 1352 00:53:31,700 --> 00:53:33,700 the credit card is more limited, 1353 00:53:33,700 --> 00:53:35,700 you have certain limits, 1354 00:53:35,700 --> 00:53:37,700 the credit card has more ways to protect them. 1355 00:53:37,700 --> 00:53:39,700 You can limit daily expenses, 1356 00:53:39,700 --> 00:53:41,700 put certain conditions. 1357 00:53:41,700 --> 00:53:43,700 This would be one more reason 1358 00:53:43,700 --> 00:53:45,700 why we should use the credit card 1359 00:53:45,700 --> 00:53:47,700 not to pay us and pay high interest, 1360 00:53:47,700 --> 00:53:49,700 but simply as a payment method 1361 00:53:49,700 --> 00:53:51,700 to eliminate debt. 1362 00:53:51,700 --> 00:53:53,700 Ok, perfect. 1363 00:53:53,700 --> 00:53:55,700 Let's take a little break. 1364 00:53:55,700 --> 00:53:57,700 We have a couple of questions 1365 00:53:57,700 --> 00:53:59,700 from the public and we will leave it 1366 00:53:59,700 --> 00:54:01,700 to you. You wanted to say something about cybersecurity, right? 1367 00:54:01,700 --> 00:54:03,700 Yes. 1368 00:54:03,700 --> 00:54:05,700 Going back to messages in 30 seconds, give us a preview. 1369 00:54:05,700 --> 00:54:07,700 What are we going to talk about? 1370 00:54:07,700 --> 00:54:09,700 Well, people think that to protect you 1371 00:54:09,700 --> 00:54:11,700 from cybersecurity 1372 00:54:11,700 --> 00:54:13,700 you have to use systems, and with that 1373 00:54:13,700 --> 00:54:15,700 you already protected yourself. 1374 00:54:15,700 --> 00:54:17,700 But there is a statistic that says that 95% of the success 1375 00:54:17,700 --> 00:54:19,700 of the hackers, the fraudsters, etc. 1376 00:54:19,700 --> 00:54:21,700 is due to human error. 1377 00:54:21,700 --> 00:54:23,700 So, the first thing is that you have to work 1378 00:54:23,700 --> 00:54:25,700 one and prepare yourself 1379 00:54:25,700 --> 00:54:27,700 to avoid that error 1380 00:54:27,700 --> 00:54:29,700 and then other procedures that 1381 00:54:29,700 --> 00:54:31,700 we will talk about in a moment. 1382 00:54:31,700 --> 00:54:33,700 We will talk about it in a moment, and one of the topics 1383 00:54:33,700 --> 00:54:35,700 is to give us advice on where to store 1384 00:54:35,700 --> 00:54:37,700 our passwords. Because there are a lot 1385 00:54:37,700 --> 00:54:39,700 of passwords for a thousand things that we are 1386 00:54:39,700 --> 00:54:41,700 using. Where do I store them? I write them 1387 00:54:41,700 --> 00:54:43,700 in the old man's book in the house and I put them in a 1388 00:54:43,700 --> 00:54:45,700 safe or I put them on my phone. 1389 00:54:45,700 --> 00:54:47,700 But what if they steal my phone and I open it 1390 00:54:47,700 --> 00:54:49,700 and there it says, where 1391 00:54:49,700 --> 00:54:51,700 do I store the passwords? 1392 00:54:51,700 --> 00:54:53,700 Is there any software, an app, 1393 00:54:53,700 --> 00:54:55,700 how do I protect myself? You got nervous already. 1394 00:54:57,700 --> 00:54:59,700 That's a very good question. 1395 00:54:59,700 --> 00:55:01,700 Yes, they are very obvious questions. 1396 00:55:01,700 --> 00:55:03,700 We will be back after messages 1397 00:55:03,700 --> 00:55:05,700 to prevent frauds. Dear money, 1398 00:55:05,700 --> 00:55:07,700 we are back. 1399 00:55:35,700 --> 00:55:37,700 RSS.com 1400 00:55:37,700 --> 00:55:39,700 Make podcasts easily. 1401 00:55:41,700 --> 00:55:43,700 Get in touch. 1402 00:55:43,700 --> 00:55:45,700 Follow the conversation with Marco Antonio Regil 1403 00:55:45,700 --> 00:55:47,700 in Formula. 1404 00:55:47,700 --> 00:55:49,700 Digital frauds, we are thinking how to avoid them 1405 00:55:49,700 --> 00:55:51,700 by preventing us from learning. Monica Turcato 1406 00:55:51,700 --> 00:55:53,700 is Italian, is her last name? 1407 00:55:53,700 --> 00:55:55,700 Yes, Italian. 1408 00:55:55,700 --> 00:55:57,700 Monica Turcato, director of prevention 1409 00:55:57,700 --> 00:55:59,700 of BBVA fraud, 1410 00:55:59,700 --> 00:56:01,700 Sahari, hair, that's like Arabic, that name, right? 1411 00:56:01,700 --> 00:56:03,700 Yes, Arabic. Very good. She has the name of a princess 1412 00:56:03,700 --> 00:56:05,700 Sahari, right? 1413 00:56:05,700 --> 00:56:07,700 She has a master's degree in risk management 1414 00:56:07,700 --> 00:56:09,700 and she has the right to Raul Valencia. 1415 00:56:09,700 --> 00:56:11,700 Raul has the name of a footballer. 1416 00:56:11,700 --> 00:56:13,700 Very good. Raul, the scorer. 1417 00:56:13,700 --> 00:56:15,700 He beats frauds. 1418 00:56:15,700 --> 00:56:17,700 He has a doctorate 1419 00:56:17,700 --> 00:56:19,700 in law. Listen, 1420 00:56:19,700 --> 00:56:21,700 civil security, doctor, you wanted to mention something. 1421 00:56:21,700 --> 00:56:23,700 Yes, basically there are 1422 00:56:23,700 --> 00:56:25,700 specialized companies, first 1423 00:56:25,700 --> 00:56:27,700 to train people to not 1424 00:56:27,700 --> 00:56:29,700 fall into these issues. 1425 00:56:29,700 --> 00:56:31,700 Even with inocu hacking. 1426 00:56:31,700 --> 00:56:33,700 They send you a hacking to see if you fall, 1427 00:56:33,700 --> 00:56:35,700 test, etc. 1428 00:56:35,700 --> 00:56:37,700 Constant training, because 1429 00:56:37,700 --> 00:56:39,700 95% of people fall. 1430 00:56:39,700 --> 00:56:41,700 Then comes the processes 1431 00:56:41,700 --> 00:56:43,700 that must be implemented, where 1432 00:56:43,700 --> 00:56:45,700 you have to protect the information 1433 00:56:45,700 --> 00:56:47,700 properly, have a 1434 00:56:47,700 --> 00:56:49,700 risk analysis topic in which 1435 00:56:49,700 --> 00:56:51,700 you identify what the vulnerabilities 1436 00:56:51,700 --> 00:56:53,700 are, how 1437 00:56:53,700 --> 00:56:55,700 you qualify them and how you can mitigate them. 1438 00:56:55,700 --> 00:56:57,700 And in the end 1439 00:56:57,700 --> 00:56:59,700 the software, the systems, etc. 1440 00:56:59,700 --> 00:57:01,700 Just to strengthen 1441 00:57:01,700 --> 00:57:03,700 the part of cyber security. 1442 00:57:03,700 --> 00:57:05,700 So all that path must be carried out 1443 00:57:05,700 --> 00:57:07,700 for the effect that you are well prepared. 1444 00:57:07,700 --> 00:57:09,700 Not just put a system on 1445 00:57:09,700 --> 00:57:11,700 and nothing happens to me because it will not happen. 1446 00:57:11,700 --> 00:57:13,700 Listen, technology 1447 00:57:13,700 --> 00:57:15,700 precisely, where do I keep the 1448 00:57:15,700 --> 00:57:17,700 blessed passwords? 1449 00:57:17,700 --> 00:57:19,700 In a little notebook in the old one or on my cell phone 1450 00:57:19,700 --> 00:57:21,700 and I change the names, but then 1451 00:57:21,700 --> 00:57:23,700 when I want the password I don't remember how I put it. 1452 00:57:23,700 --> 00:57:25,700 So I find it. 1453 00:57:25,700 --> 00:57:27,700 The convenient thing is that in your own 1454 00:57:27,700 --> 00:57:29,700 device, computer, 1455 00:57:29,700 --> 00:57:31,700 iPad, cell phone, 1456 00:57:31,700 --> 00:57:33,700 you have 1457 00:57:33,700 --> 00:57:35,700 with padlocks, with 1458 00:57:35,700 --> 00:57:37,700 one password that you know, 1459 00:57:37,700 --> 00:57:39,700 you keep all the information. 1460 00:57:39,700 --> 00:57:41,700 So that is recommended, because 1461 00:57:41,700 --> 00:57:43,700 even if they steal your cell phone 1462 00:57:43,700 --> 00:57:45,700 or whatever, maybe they won't be able 1463 00:57:45,700 --> 00:57:47,700 to enter that part because it's just a password 1464 00:57:47,700 --> 00:57:49,700 that you know and there comes the rest. 1465 00:57:49,700 --> 00:57:51,700 If you leave them in the 1466 00:57:51,700 --> 00:57:53,700 normal keychain, then there will 1467 00:57:53,700 --> 00:57:55,700 be some problem. Of course. 1468 00:57:55,700 --> 00:57:57,700 In fact, I think there is a company called One Password 1469 00:57:57,700 --> 00:57:59,700 like a password that gives you 1470 00:57:59,700 --> 00:58:01,700 one and you save everything and 1471 00:58:01,700 --> 00:58:03,700 you just use one and where you connect. 1472 00:58:03,700 --> 00:58:05,700 There it is. Well, 1473 00:58:05,700 --> 00:58:07,700 you have to check it well. I was telling you 1474 00:58:07,700 --> 00:58:09,700 in the commercial section, those virtual 1475 00:58:09,700 --> 00:58:11,700 private networks that are known in English as 1476 00:58:11,700 --> 00:58:13,700 VPN, Virtual 1477 00:58:13,700 --> 00:58:15,700 Private Networks. 1478 00:58:15,700 --> 00:58:17,700 Is it worth hiring one? Which is the one that 1479 00:58:17,700 --> 00:58:19,700 changes your location. I mean, 1480 00:58:19,700 --> 00:58:21,700 I use it if I want to see a local 1481 00:58:21,700 --> 00:58:23,700 football game in the United States. 1482 00:58:23,700 --> 00:58:25,700 I get in and I tell them I'm in Los Angeles 1483 00:58:25,700 --> 00:58:27,700 and they give me the local channel programming 1484 00:58:27,700 --> 00:58:29,700 in Los Angeles, for example. Or I'm in the United States 1485 00:58:29,700 --> 00:58:31,700 and they give me access to 1486 00:58:31,700 --> 00:58:33,700 Netflix in Mexico, whatever. 1487 00:58:33,700 --> 00:58:35,700 That's why they are used for entertainment, but at a security level 1488 00:58:35,700 --> 00:58:37,700 is it worth having 1489 00:58:37,700 --> 00:58:39,700 these VPN services? 1490 00:58:39,700 --> 00:58:41,700 I think that for a 1491 00:58:41,700 --> 00:58:43,700 personal common use it's not worth it. 1492 00:58:43,700 --> 00:58:45,700 I mean, it's really 1493 00:58:45,700 --> 00:58:47,700 more careful, like the ones I mentioned 1494 00:58:47,700 --> 00:58:49,700 a while ago, the doctor, 1495 00:58:49,700 --> 00:58:51,700 to have my passwords, not share data. 1496 00:58:51,700 --> 00:58:53,700 Not so much that type of investment. 1497 00:58:53,700 --> 00:58:55,700 I mean, more specialized uses in companies 1498 00:58:55,700 --> 00:58:57,700 or something more 1499 00:58:57,700 --> 00:58:59,700 sophisticated, and there it could be. 1500 00:58:59,700 --> 00:59:01,700 They tell you to use it, for example, if you're going to 1501 00:59:01,700 --> 00:59:03,700 make a online purchase, instead of saying 1502 00:59:03,700 --> 00:59:05,700 so you don't reveal your location, 1503 00:59:05,700 --> 00:59:07,700 it's useless. 1504 00:59:07,700 --> 00:59:09,700 Or is it? 1505 00:59:09,700 --> 00:59:11,700 Actually, location is not something that 1506 00:59:11,700 --> 00:59:13,700 puts you at risk in a transaction 1507 00:59:13,700 --> 00:59:15,700 for e-commerce. In reality, it's data. 1508 00:59:15,700 --> 00:59:17,700 And what you don't have to do is use public 1509 00:59:17,700 --> 00:59:19,700 networks. Public networks, the airport. 1510 00:59:19,700 --> 00:59:21,700 Exactly, the airport, 1511 00:59:21,700 --> 00:59:23,700 the SoCal, the... 1512 00:59:23,700 --> 00:59:25,700 Because those are exposed, 1513 00:59:25,700 --> 00:59:27,700 they don't have many 1514 00:59:27,700 --> 00:59:29,700 security measures, and there are many people 1515 00:59:29,700 --> 00:59:31,700 entering the same network, and then they can... 1516 00:59:31,700 --> 00:59:33,700 I'm at the airport, my flight is delayed, 1517 00:59:33,700 --> 00:59:35,700 I'm going to take advantage of it to make some payments. 1518 00:59:35,700 --> 00:59:37,700 No, no, no. 1519 00:59:37,700 --> 00:59:39,700 Wait until you get home, 1520 00:59:39,700 --> 00:59:41,700 or at least to the hotel, which can be safer. 1521 00:59:41,700 --> 00:59:43,700 Or use your data, 1522 00:59:43,700 --> 00:59:45,700 your cell phone data. 1523 00:59:45,700 --> 00:59:47,700 No, but don't connect to the airport's network. 1524 00:59:47,700 --> 00:59:49,700 Or the restaurant's network. 1525 00:59:49,700 --> 00:59:51,700 To save data, you go there, exposing yourself. 1526 00:59:51,700 --> 00:59:53,700 Now, there are companies that have their VPNs, 1527 00:59:53,700 --> 00:59:55,700 like a kind of intranet, 1528 00:59:55,700 --> 00:59:57,700 so that all the information is managed 1529 00:59:57,700 --> 00:59:59,700 through that private network. 1530 00:59:59,700 --> 01:00:01,700 But well, today with the cloud, 1531 01:00:01,700 --> 01:00:03,700 you also eliminate a bit the VPN issue. 1532 01:00:03,700 --> 01:00:05,700 No, it's super risky, I agree. 1533 01:00:05,700 --> 01:00:07,700 In the World Cup in Russia, I was working in 1534 01:00:07,700 --> 01:00:09,700 Telemundo, and we went to cover with Telemundo 1535 01:00:09,700 --> 01:00:11,700 the World Cup in Russia. They gave us a cell phone 1536 01:00:11,700 --> 01:00:13,700 and a computer that we only use in Russia, 1537 01:00:13,700 --> 01:00:15,700 and it was prohibited, we brought our own 1538 01:00:15,700 --> 01:00:17,700 network, and it was very prohibited 1539 01:00:17,700 --> 01:00:19,700 to use public networks. When we came back 1540 01:00:19,700 --> 01:00:21,700 from Russia, we gave the computers and cell phones 1541 01:00:21,700 --> 01:00:23,700 to the company, to Telemundo, 1542 01:00:23,700 --> 01:00:25,700 and that's it. Because there was 1543 01:00:25,700 --> 01:00:27,700 a lot of hacking, the people who used 1544 01:00:27,700 --> 01:00:29,700 the networks in football stadiums, 1545 01:00:29,700 --> 01:00:31,700 thefts, identity thefts, 1546 01:00:31,700 --> 01:00:33,700 it was very well known. 1547 01:00:33,700 --> 01:00:35,700 Yes, it was very popular. 1548 01:00:35,700 --> 01:00:37,700 Russia is one of the most active countries 1549 01:00:37,700 --> 01:00:39,700 in hacking issues, 1550 01:00:39,700 --> 01:00:41,700 nowadays. 1551 01:00:41,700 --> 01:00:43,700 Many hackers are in Russia. 1552 01:00:43,700 --> 01:00:45,700 Speaking of applications, 1553 01:00:45,700 --> 01:00:47,700 there are some that offer you 1554 01:00:47,700 --> 01:00:49,700 this virtual card service, 1555 01:00:49,700 --> 01:00:51,700 where they give you 1556 01:00:51,700 --> 01:00:53,700 your data from your card, 1557 01:00:53,700 --> 01:00:55,700 and then for each transaction 1558 01:00:55,700 --> 01:00:57,700 it gives you a number, which is only for that 1559 01:00:57,700 --> 01:00:59,700 client, for that purchase, 1560 01:00:59,700 --> 01:01:01,700 for that transaction. But obviously, 1561 01:01:01,700 --> 01:01:03,700 I haven't downloaded it, because I have to 1562 01:01:03,700 --> 01:01:05,700 give all the data from my cards 1563 01:01:05,700 --> 01:01:07,700 to that application, and now they have all the data 1564 01:01:07,700 --> 01:01:09,700 from my cards and my passwords. 1565 01:01:09,700 --> 01:01:11,700 Hmm... 1566 01:01:11,700 --> 01:01:13,700 Hmm... 1567 01:01:13,700 --> 01:01:15,700 What's worse? 1568 01:01:15,700 --> 01:01:17,700 The broth is not more expensive than the meatballs. 1569 01:01:17,700 --> 01:01:19,700 What you can distinguish which one is 1570 01:01:19,700 --> 01:01:21,700 good is complicated. 1571 01:01:21,700 --> 01:01:23,700 Some are very well known, like PayPal, 1572 01:01:23,700 --> 01:01:25,700 which are safe, 1573 01:01:25,700 --> 01:01:27,700 it's a medium payment that works for you 1574 01:01:27,700 --> 01:01:29,700 that way. So there you can... 1575 01:01:29,700 --> 01:01:31,700 Exactly. But with most banks 1576 01:01:31,700 --> 01:01:33,700 it's not necessary, you have your digital card 1577 01:01:33,700 --> 01:01:35,700 in the bank itself, the app gives you, 1578 01:01:35,700 --> 01:01:37,700 it changes the code dynamically, 1579 01:01:37,700 --> 01:01:39,700 the CBB, the code. 1580 01:01:39,700 --> 01:01:41,700 Yes, the three numbers on the back. 1581 01:01:41,700 --> 01:01:43,700 And with that it's the same... 1582 01:01:43,700 --> 01:01:45,700 And it changes, that's wonderful. 1583 01:01:45,700 --> 01:01:47,700 Ok, perfect. Listen, on another occasion 1584 01:01:47,700 --> 01:01:49,700 we'll talk about romantic scams, 1585 01:01:49,700 --> 01:01:51,700 because it's very hard, the romantic scams. 1586 01:01:51,700 --> 01:01:53,700 Here I have some data that the newspaper 1587 01:01:53,700 --> 01:01:55,700 published, it says that in 2021 1588 01:01:55,700 --> 01:01:57,700 the romantic scams generated more than 1589 01:01:57,700 --> 01:01:59,700 600 million dollars in earnings 1590 01:01:59,700 --> 01:02:01,700 for criminals. And from one year 1591 01:02:01,700 --> 01:02:03,700 to the next they rose 100 million. 1592 01:02:03,700 --> 01:02:05,700 In 2020, 500 million dollars 1593 01:02:05,700 --> 01:02:07,700 in scams, in 2021, 600 million. 1594 01:02:07,700 --> 01:02:09,700 And we're already at 24, 1595 01:02:09,700 --> 01:02:11,700 I don't know... 1596 01:02:11,700 --> 01:02:13,700 As soon as possible. 1597 01:02:13,700 --> 01:02:15,700 As soon as possible, yes, because sometimes 1598 01:02:15,700 --> 01:02:17,700 people close to you, that happens like the 1599 01:02:17,700 --> 01:02:19,700 Tinder scammer, the Netflix series, 1600 01:02:19,700 --> 01:02:21,700 where you think you're in love 1601 01:02:21,700 --> 01:02:23,700 and you found the love of your life 1602 01:02:23,700 --> 01:02:25,700 and it's a scammer or a scammer. 1603 01:02:25,700 --> 01:02:27,700 Of course, and they start asking for money, 1604 01:02:27,700 --> 01:02:29,700 they give you the money, then again, 1605 01:02:29,700 --> 01:02:31,700 and again, be careful, analyze it. 1606 01:02:31,700 --> 01:02:33,700 Yes, it's super delicate. 1607 01:02:33,700 --> 01:02:35,700 Quickly, Paula Godinez from Mexico City, 1608 01:02:35,700 --> 01:02:37,700 I hired a travel service, shared time, 1609 01:02:37,700 --> 01:02:39,700 they modified my monthly and annual 1610 01:02:39,700 --> 01:02:41,700 salary, with whom do I report? 1611 01:02:41,700 --> 01:02:43,700 I want to conclude, that's the... 1612 01:02:43,700 --> 01:02:45,700 It's a big problem. How to end 1613 01:02:45,700 --> 01:02:47,700 a shared time? Who directs me? 1614 01:02:47,700 --> 01:02:49,700 The prosecutor's office and the 1615 01:02:49,700 --> 01:02:51,700 prosecutor's office. 1616 01:02:51,700 --> 01:02:53,700 Ok, perfect. Listen, doctor, 1617 01:02:53,700 --> 01:02:55,700 where are we? There are many people 1618 01:02:55,700 --> 01:02:57,700 who want to say, hey, you have your office. 1619 01:02:57,700 --> 01:02:59,700 Yes, with pleasure. I have a 1620 01:02:59,700 --> 01:03:01,700 lawyer's office since 25 years ago, 1621 01:03:01,700 --> 01:03:03,700 and we have a cybersecurity company, 1622 01:03:03,700 --> 01:03:05,700 which is GEMED Cybersecurity Latam, 1623 01:03:05,700 --> 01:03:10,700 you can find us at www.valproconvechica.com.mx. 1624 01:03:10,700 --> 01:03:12,700 Wonderful. Zahary, 1625 01:03:12,700 --> 01:03:14,700 what can you give us as a recommendation 1626 01:03:14,700 --> 01:03:16,700 from your financial institution? 1627 01:03:16,700 --> 01:03:18,700 Well, I've been working at Quesky 1628 01:03:18,700 --> 01:03:20,700 for several years, it's a financial platform, 1629 01:03:20,700 --> 01:03:22,700 so you can order credits online, 1630 01:03:22,700 --> 01:03:24,700 directly on the website, we don't have intermediaries, 1631 01:03:24,700 --> 01:03:26,700 quesky.com or queskypay.com, 1632 01:03:26,700 --> 01:03:28,700 also to make purchases, 1633 01:03:28,700 --> 01:03:30,700 so I invite you to meet us. 1634 01:03:30,700 --> 01:03:32,700 We pay a lot of attention to these security issues, 1635 01:03:32,700 --> 01:03:34,700 fraud and others, so that they are protected 1636 01:03:34,700 --> 01:03:36,700 in all their transactions, both clients 1637 01:03:36,700 --> 01:03:38,700 and businesses. 1638 01:03:38,700 --> 01:03:40,700 Mónica Turcato, the BBVA's 1639 01:03:40,700 --> 01:03:42,700 parochial warning, would be? 1640 01:03:42,700 --> 01:03:44,700 I want to invite you to watch a very 1641 01:03:44,700 --> 01:03:46,700 fun program that we have called 1642 01:03:46,700 --> 01:03:48,700 It's Fraud, with 1643 01:03:48,700 --> 01:03:50,700 Rodrigo Murra, and in a very dynamic way 1644 01:03:50,700 --> 01:03:52,700 we teach all users of the financial service 1645 01:03:52,700 --> 01:03:54,700 how to detect all this kind of 1646 01:03:54,700 --> 01:03:56,700 fraud. Where can we see it? 1647 01:03:56,700 --> 01:03:58,700 On our YouTube channel, the BBVA channel, 1648 01:03:58,700 --> 01:04:00,700 and on social networks. 1649 01:04:00,700 --> 01:04:02,700 Wonderful. Well, here on Radio 1650 01:04:02,700 --> 01:04:04,700 you will meet Daniel de Turvide, 1651 01:04:04,700 --> 01:04:06,700 and we will go to Monterrey from here. 1652 01:04:06,700 --> 01:04:08,700 I'm going to the airport, I'm going to Monterrey, 1653 01:04:08,700 --> 01:04:10,700 because tomorrow we will be from Monterrey, Nuevo León, 1654 01:04:10,700 --> 01:04:12,700 talking about self-love, self-care, 1655 01:04:12,700 --> 01:04:14,700 and one of the 1656 01:04:14,700 --> 01:04:16,700 important things about self-care is to 1657 01:04:16,700 --> 01:04:18,700 take care of your energy level. 1658 01:04:18,700 --> 01:04:20,700 Nobody can do very well in life if they are 1659 01:04:20,700 --> 01:04:22,700 dragging the towel all the time and getting 1660 01:04:22,700 --> 01:04:24,700 into coffee excess 1661 01:04:24,700 --> 01:04:26,700 or these drinks 1662 01:04:26,700 --> 01:04:28,700 that are not healthy at all, 1663 01:04:28,700 --> 01:04:30,700 to raise the spirits. That is not normal. 1664 01:04:30,700 --> 01:04:32,700 Having energy is natural, 1665 01:04:32,700 --> 01:04:34,700 and tomorrow we will be talking with specialists 1666 01:04:34,700 --> 01:04:36,700 from Monterrey about this topic. 1667 01:04:36,700 --> 01:04:38,700 I also invite you to go to 1668 01:04:38,700 --> 01:04:40,700 marcoantonioirregil.com, diagonal formula, 1669 01:04:40,700 --> 01:04:42,700 you can sign up as partners, 1670 01:04:42,700 --> 01:04:44,700 it's completely free, and we will be 1671 01:04:44,700 --> 01:04:46,700 leaving you with a lot of free stuff. In fact, you will leave us 1672 01:04:46,700 --> 01:04:48,700 four packages of Dr. 1673 01:04:48,700 --> 01:04:50,700 That's right, Valencia de Toro Professionals, 1674 01:04:50,700 --> 01:04:52,700 the office that we have, with great pleasure, 1675 01:04:52,700 --> 01:04:54,700 for your audience. Four packages, 1676 01:04:54,700 --> 01:04:56,700 we will give them randomly 1677 01:04:56,700 --> 01:04:58,700 for people in Mexico City. Stay with 1678 01:04:58,700 --> 01:05:00,700 Valencia de Toro, I'm Marco Antonio Regil, thank you 1679 01:05:00,700 --> 01:05:02,700 from Monterrey, Thursday and Friday 1680 01:05:02,700 --> 01:05:04,700 we will be broadcasting, so thank you, 1681 01:05:04,700 --> 01:05:06,700 thank you, thank you, I hope we really have 1682 01:05:06,700 --> 01:05:08,700 learned something important, I learned it. 1683 01:05:08,700 --> 01:05:10,700 Thank you all. Thank you. 1684 01:05:10,700 --> 01:05:24,700 Adios. 1685 01:05:40,700 --> 01:05:42,700 Excuse me, what's the weirdest place you've gotten lucky? 1686 01:05:42,700 --> 01:05:44,700 I never win Intel. 1687 01:05:44,700 --> 01:05:46,700 Well there you have it, you can get lucky anywhere 1688 01:05:46,700 --> 01:05:48,700 playing at LuckyLandslots.com 1689 01:05:48,700 --> 01:05:50,700 Play for free right now. 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