{"id":546,"date":"2019-12-08T15:24:47","date_gmt":"2019-12-08T12:24:47","guid":{"rendered":"https:\/\/airome.tech\/?p=546"},"modified":"2023-06-22T13:37:13","modified_gmt":"2023-06-22T10:37:13","slug":"uae-bank-told-to-pay-for-dh4-7-million-after-sim-swap-fraud","status":"publish","type":"post","link":"https:\/\/airome.tech\/id\/uae-bank-told-to-pay-for-dh4-7-million-after-sim-swap-fraud\/","title":{"rendered":"UAE bank told to pay for Dh4.7 million after SIM swap fraud"},"content":{"rendered":"

Dubai: A recent judgment by a Dubai court, which held a local bank responsible for a Dh4.7 million SIM card swap fraud, serves as a reminder to all banks and telecom providers to adopt tighter security measures, a Dubai-based lawyer has said on Sunday.<\/p>\n

\"\"<\/p>\n

Ghassan El Daye, Partner and Head of Litigation for the Middle East with the UK-based law firm Charles Russell Speechlys, said that in a landmark judgment, the Dubai Commercial Court recently found a local bank responsible for a SIM card swap fraud that cost a customer Dh4.7 million in life savings.<\/p>\n

The case dates back to 2017 when the customer\u2019s money was stolen from his account which the bank had then closed without his knowledge.<\/p>\n

\n

Our comments<\/p>\n

<\/p>\n

Denis Kalemberg<\/p>\n

Chief Executive Officer<\/p>\n

This case explains how criminals can take over the acoount, if a bank uses SMS OTP as a main 2FA solution for log-in and money transfer in digital banking.
\nTo cut a long story short, the simple way to protect bank clients from the risk of SIM-swapping is to refrain from using SMS as a confirmation method and to move to proper authentication solutions.<\/p>\n

In this perspecting, it is important to udnerline, that PayConfirm works independantly from telecom operator and even in offline-mode.<\/p>\n<\/div>\n

El Daye said the court has ordered the bank to pay the customer Dh4.7 million with a nine per cent interest from the date the case was lodged.<\/p>\n

\u201cThis judgment is significant because it involves new essential factors related to the UAE\u2019s banking sector and its customers. The judgment suggests recommendations for banks and telecom providers, including the need to apply strict security measures, carry out continuous monitoring, upgrading of PIN numbers and tighter background checks on employees,\u201d said El Daye.<\/p>\n

He said telecommunications companies should also impose tighter controls over SIM card replacement applications as several scams have been reported in the country.<\/p>\n

\u201cIt must be forbidden to issue a replacement SIM card unless the holder of the card goes physically to the bank and telecommunications provider with original ID.\u201d<\/p>\n

According to Al Daye, his client, who used to work in the UAE, had opened a savings account at the local bank in Dubai in 2015 before he moved out of the country, leaving behind Dh4.7million in the account. But to the horror of the man, whose nationality and age wasn\u2019t disclosed by the lawyer, the account showed zero balance in May 2017. The man then lodged a criminal complaint. But a Charles Russell Speechlys litigation team, headed by El Daye, advised him to pursue a civil case in order to get his money back.<\/p>\n

During a court hearing in September this year, the victim\u2019s defence said the bank should be held responsible based on facts and expert findings. The bank had insisted it\u2019s the client\u2019s responsibility since he had possession of the original SIM card and PIN number. It had argued that he should have objected to the transactions within 30 days of reviewing the account statement.<\/p>\n

According to case documents, the bank failed to disclose its internal investigation reports to an expert appointed by the court and claimed the incident was a result of faulty transactions.<\/p>\n

\u201cFor such a scam to succeed, our client\u2019s confidential information must have been deliberately exposed by some bank employees who had access to it,\u201d said El Daye.<\/p>\n

The expert\u2019s report submitted to court was in favour of the client and stated that confidential data, including official documents and contact numbers, were illegally revealed to others by a bank employee.<\/p>\n

\u201cThis information was illegally passed on to other suspects who used it to obtain a replacement SIM card for the client\u2019s phone number from the local telecommunications service provider in Dubai,\u201d the lawyer said.<\/p>\n

The fraudsters were able to change the PIN code connected to his bank services before logging him out and transferring the money.<\/p>\n

However, the Dubai Commercial Court rejected the bank\u2019s claims in October 2019 and held it responsible for the scam.<\/p>\n

How SIM swap cards work<\/strong><\/h4>\n

Once cyber criminals have gathered enough information on a target, they create a false identity. First, they call the victim\u2019s cell phone provider claiming that his or her SIM card has been lost or damaged. Then they request a replacement SIM. Most telecom providers won\u2019t acquiesce to those requests unless security questions are answered, but the fraudsters come prepared, using the personal data they\u2019ve collected to defeat the security checks.<\/p>\n

As the victim\u2019s SIM card stops working, the criminal gains access to any online service that requires security codes to be sent to a user\u2019s mobile phone. Banks do ask for confirmation via text messages to the phone number but since it\u2019s already with the criminal, victims remain in the dark even after their bank accounts have been drained.<\/p>\n

How to protect yourself from SIM swap fraud:<\/strong><\/h4>\n

If your cell phone number stops working for an unknown reason, get in touch with your telecom operator immediately.<\/p>\n

Register your number for SMS and email alerts to stay updated about transactions on your bank account.<\/p>\n

Don\u2019t respond to unsolicited calls and text messages asking for your bank details.<\/p>\n

by Gulf News<\/p>\n

Reference: https:\/\/gulfnews.com\/uae\/uae-bank-told-to-pay-for-dh47-million-after-sim-swap-fraud-1.68348671<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Court judgment a wake-up call to banks to tighten security, says lawyer.<\/p>\n","protected":false},"author":5,"featured_media":548,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[58,43,17,66,129,32],"class_list":["post-546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-criminal_cases","tag-2fa","tag-authentication-solution","tag-digital-banking","tag-online-fraud","tag-sim-swap","tag-sms-otp"],"translation":{"provider":"WPGlobus","version":"3.0.0","language":"id","enabled_languages":["en","id"],"languages":{"en":{"title":true,"content":true,"excerpt":true},"id":{"title":false,"content":false,"excerpt":false}}},"yoast_head":"\nUAE bank told to pay for Dh4.7 million after SIM swap fraud - Airome<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/airome.tech\/uae-bank-told-to-pay-for-dh4-7-million-after-sim-swap-fraud\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UAE bank told to pay for Dh4.7 million after SIM swap fraud - 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