{"id":47874,"date":"2025-04-27T03:43:12","date_gmt":"2025-04-27T03:43:12","guid":{"rendered":"https:\/\/www.worldfirst.com\/sg\/?page_id=47874"},"modified":"2025-04-27T03:46:27","modified_gmt":"2025-04-27T03:46:27","slug":"account-takeover-prevention","status":"publish","type":"page","link":"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/","title":{"rendered":"Understanding and Preventing Account Takeovers (ATO)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"47874\" class=\"elementor elementor-47874\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f5d015 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f5d015\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-eb71d71\" data-id=\"eb71d71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f43dce elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1f43dce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\">Related content<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-651f447 elementor-widget elementor-widget-text-editor\" data-id=\"651f447\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div>&#8211; <a href=\"\/sg\/legal\/\">Legal<\/a><\/div><div><span class=\"x-anchor-text-primary\">&#8211;\u00a0<a href=\"\/sg\/compliance\/\">Compliance<\/a><\/span><\/div><div>&#8211;\u00a0<a href=\"\/sg\/complaints\/\">Complaints<\/a><\/div><div><span class=\"x-anchor-text-primary\">&#8211;\u00a0<a href=\"\/sg\/privacy-policy\/\">Privacy policy<\/a><\/span><\/div><div><span class=\"x-anchor-text-primary\">&#8211;\u00a0<a href=\"\/sg\/cookie-policy\/\">Cookie policy<\/a><\/span><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-8325878 disclaimer-content\" data-id=\"8325878\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b25c328 elementor-widget elementor-widget-heading\" data-id=\"b25c328\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Understanding and Preventing Account Takeovers (ATO)<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1711a0d elementor-widget elementor-widget-text-editor\" data-id=\"1711a0d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"lake-content\"><h4 id=\"B4ZGI\"><span class=\"ne-text\">What is ATO?<\/span><\/h4><p id=\"u49f8f6f0\" class=\"ne-p\"><span class=\"ne-text\">Account Takeover (ATO) is a type of cyber crime whereby <\/span><span class=\"ne-text\">a third party <\/span><span class=\"ne-text\">gains unauthorized access to your account without your permission or awareness. This can lead to serious financial loss, unauthorized <\/span><span class=\"ne-text\">transactions<\/span><span class=\"ne-text\">, <\/span><span class=\"ne-text\">unauthorised changes to your <\/span><span class=\"ne-text\">account details, identity theft, and other harmful consequences.<\/span><\/p><h4 id=\"woUDs\"><span class=\"ne-text\">How Does ATO Happen?<\/span><\/h4><ol class=\"ne-ol\"><li id=\"u5069c9bc\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Data Leak via Phishing A<\/span><\/strong><strong><span class=\"ne-text\">ttack:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"ua21b6c28\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Phishing<\/span><\/strong><span class=\"ne-text\"> is a common <\/span><span class=\"ne-text\">deceptive tactic<\/span><span class=\"ne-text\"> that<\/span><span class=\"ne-text\"> trick<\/span><span class=\"ne-text\">s<\/span><span class=\"ne-text\"> you into revealing sensitive information<\/span><span class=\"ne-text\">, such as <\/span><span class=\"ne-text\">your <\/span><span class=\"ne-text\">login credentials. <\/span><span class=\"ne-text\">This is often done through<\/span><span class=\"ne-text\"> fraudulent emails<\/span><span class=\"ne-text\"> and<\/span><span class=\"ne-text\"> text messages, or<\/span><span class=\"ne-text\"> through<\/span><span class=\"ne-text\"> fake websites that look like <\/span><span class=\"ne-text\">legitimate<\/span><span class=\"ne-text\"> sources.<\/span><\/li><li id=\"u2d758654\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Example:<\/span><\/strong> <span class=\"ne-text\">John <\/span><span class=\"ne-text\">receive<\/span><span class=\"ne-text\">s<\/span><span class=\"ne-text\"> an email <\/span><span class=\"ne-text\">which <\/span><span class=\"ne-text\">looks like it is <\/span><span class=\"ne-text\">sent by his <\/span><span class=\"ne-text\">bank, <\/span><span class=\"ne-text\">requesting<\/span> <span class=\"ne-text\">him <\/span><span class=\"ne-text\">to verify <\/span><span class=\"ne-text\">his <\/span><span class=\"ne-text\">account details. The link in the email leads to a fake website <\/span><span class=\"ne-text\">which prompts him to <\/span><span class=\"ne-text\">enter <\/span><span class=\"ne-text\">his <\/span><span class=\"ne-text\">username and password, <\/span><span class=\"ne-text\">and thereby <\/span><span class=\"ne-text\">unknowingly <\/span><span class=\"ne-text\">granting<\/span><span class=\"ne-text\"> the attacker access to <\/span><span class=\"ne-text\">his <\/span><span class=\"ne-text\">account. <\/span><\/li><\/ul><\/li><\/ul><ol class=\"ne-ol\" start=\"2\"><li id=\"u9e41c245\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">OTP Bots:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"ua9332144\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">One-Time Password (OTP)<\/span><\/strong> <strong><span class=\"ne-text\">bots<\/span><\/strong><span class=\"ne-text\"> are malicious software designed to intercept and steal OTPs used for two-factor authentication. <\/span><span class=\"ne-text\">To achieve this, <\/span><span class=\"ne-text\">the attacker might send your <\/span><span class=\"ne-text\">personal <\/span><span class=\"ne-text\">information<\/span><span class=\"ne-text\"> such as your phone number<\/span><span class=\"ne-text\"> to the bot, which then pretends to be a legitimate company and <\/span><span class=\"ne-text\">requests<\/span><span class=\"ne-text\"> for the OTP.<\/span><\/li><li id=\"u369be09d\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Example:<\/span><\/strong> <span class=\"ne-text\">The attacker logs into Susan&#8217;s bank account and triggers an OTP. The OTP bot then sends Susan a message saying <\/span><span class=\"ne-text\">We\u2019ve detected suspicious activity in your <\/span><span class=\"ne-text\">bank account<\/span><span class=\"ne-text\">. Reply with the OTP sent to secure your account.&#8221; If <\/span><span class=\"ne-text\">Susan replies to the message and shares her OTP<\/span><span class=\"ne-text\">, the attacker can <\/span><span class=\"ne-text\">then use the OTP to <\/span><span class=\"ne-text\">log in <\/span><span class=\"ne-text\">Susan&#8217;s bank account <\/span><span class=\"ne-text\">and steal <\/span><span class=\"ne-text\">her <\/span><span class=\"ne-text\">money.<\/span><\/li><\/ul><\/li><\/ul><ol class=\"ne-ol\" start=\"3\"><li id=\"ua301b5c2\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Obtaining Phone <\/span><\/strong><strong><span class=\"ne-text\">Control<\/span><\/strong><strong><span class=\"ne-text\">:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"u7bb302f0\" data-lake-index-type=\"0\"><span class=\"ne-text\">Attackers can gain unauthorized access to your device&#8217;s operating system via malware. This can happen if you download a malicious app or click on a malicious link.<\/span><\/li><li id=\"u95bbedc2\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Example:<\/span><\/strong><span class=\"ne-text\"> Celine saw an ad<\/span><span class=\"ne-text\">vertisement<\/span><span class=\"ne-text\"> on Facebook<\/span><span class=\"ne-text\"> on a flash deal, which prompted her<\/span> <span class=\"ne-text\">to download an application to complete <\/span><span class=\"ne-text\">the purchase<\/span><span class=\"ne-text\">. Celine then downloaded the application, which was in reality a malicious app. After the application has been downloaded, Celine realised her banking app was opened automatically and an unauthorised transaction was executed as the attacker was able to control her phone remotely. <\/span><\/li><\/ul><\/li><\/ul><h4 id=\"hf3hi\"><span class=\"ne-text\">How to Protect Yourself<\/span><\/h4><ol class=\"ne-ol\"><li id=\"u62caa723\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Exercise Caution <\/span><\/strong><strong><span class=\"ne-text\">with Attachments and Links:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"u198a0fa8\" data-lake-index-type=\"0\"><span class=\"ne-text\">Be <\/span><span class=\"ne-text\">cautious <\/span><span class=\"ne-text\">with email attachments and links, especially from unknown sources. Malware can be hidden in these files.<\/span><\/li><li id=\"u803864d5\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Tip:<\/span><\/strong><span class=\"ne-text\"> Do not click on links or download attachments from unknown email addresses or mobile numbers. Even if the link looks legitimate, it could lead to a fake website.<\/span><\/li><\/ul><\/li><\/ul><ol class=\"ne-ol\" start=\"2\"><li id=\"u67dfd2c0\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Update Your Credentials:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"u21dd90af\" data-lake-index-type=\"0\"><span class=\"ne-text\">Regularly update your passwords and use strong, unique passwords for each account.<\/span><\/li><li id=\"u51aaff3a\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Tip:<\/span><\/strong><span class=\"ne-text\"> Use a password manager to generate and store complex passwords securely.<\/span><\/li><\/ul><\/li><\/ul><ol class=\"ne-ol\" start=\"3\"><li id=\"uee452902\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Never Disclose Your OTP:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"ud1ea90d3\" data-lake-index-type=\"0\"><span class=\"ne-text\">Never share your OTP with anyone, even if they claim to be from a legitimate company.<\/span><\/li><li id=\"uafc3b445\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Tip:<\/span><\/strong><span class=\"ne-text\"> WorldFirst employees will never request <\/span><span class=\"ne-text\">you to share <\/span><span class=\"ne-text\">your OTP. Be cautious of calls or messages asking for your OTP, especially if the voice sounds artificial.<\/span><\/li><\/ul><\/li><\/ul><ol class=\"ne-ol\" start=\"4\"><li id=\"u26a5a12f\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Check Before Downloading Apps:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"ub888bd66\" data-lake-index-type=\"0\"><span class=\"ne-text\">Verify the legitimacy of an app before downloading. Check the number of downloads and <\/span><span class=\"ne-text\">check the app <\/span><span class=\"ne-text\">reviews.<\/span><\/li><li id=\"uaf70a987\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Tip:<\/span><\/strong><span class=\"ne-text\"> If a well-known payment platform has very few downloads, it might be a red flag. Also, pay attention to any warning messages before downloading an app from the Google Play Store or Apple App Store.<\/span><\/li><\/ul><\/li><\/ul><ol class=\"ne-ol\" start=\"5\"><li id=\"uef7673e9\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Treat Warning Signs Seriously:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"ubb113174\" data-lake-index-type=\"0\"><span class=\"ne-text\">Pay attention to any warnings or alerts from your device or apps. These can indicate potential security threats.<\/span><\/li><li id=\"u99605a2b\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Tip:<\/span><\/strong><span class=\"ne-text\"> Read warning messages carefully and <\/span><span class=\"ne-text\">do not proceed <\/span><span class=\"ne-text\">if something seems off.<\/span><\/li><\/ul><\/li><\/ul><ol class=\"ne-ol\" start=\"6\"><li id=\"ud1be2c5d\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Avoid Fake Websites:<\/span><\/strong><\/li><\/ol><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"ua91a2dbb\" data-lake-index-type=\"0\"><span class=\"ne-text\">Fake websites often look legitimate but are designed to steal your login credentials or sensitive information. Verify through the company&#8217;s official website to avoid accidentally visiting malicious websites. Examples of official WorldFirst sites: <\/span><span class=\"ne-text\">worldfirst.com\/my\/, worldfirst.com\/ph\/, worlfirst.com.cn<\/span><\/li><li id=\"uf0349eb6\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Tip<\/span><\/strong><span class=\"ne-text\">: Bookmark <\/span><a class=\"ne-link\" href=\"https:\/\/portal.worldfirst.com\/dashboard\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/portal.worldfirst.com\/dashboard\"><span class=\"ne-text\">https:\/\/portal.worldfirst.com\/dashboard<\/span><\/a><span class=\"ne-text\"> to avoid accidentally visiting malicious websites. Always verify the URL before logging in.<\/span><\/li><\/ul><\/li><\/ul><h4 id=\"LkJyX\"><span class=\"ne-text\">Potential Consequences of ATO<\/span><\/h4><ul class=\"ne-ul\"><li id=\"ue7ea75ae\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Financial Loss:<\/span><\/strong> <span class=\"ne-text\">Attackers <\/span><span class=\"ne-text\">can steal money from your <\/span><span class=\"ne-text\">account through unauthorized transactions.<\/span><\/li><li id=\"u45d4be86\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Legal Implications:<\/span><\/strong> <span class=\"ne-text\">Your personal information may be used to commit fraud, thereby causing you to unintentionally become involved in illegal activities.<\/span><\/li><li id=\"uf283ccf8\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Reputation<\/span><\/strong><strong><span class=\"ne-text\">al<\/span><\/strong><strong><span class=\"ne-text\"> Damage:<\/span><\/strong><span class=\"ne-text\"> For businesses, ATO can harm your reputation and customer trust.<\/span><\/li><\/ul><h4 id=\"e54UL\"><span class=\"ne-text\">What to Do If You Suspect ATO<\/span><\/h4><ul class=\"ne-ul\"><li id=\"u5a373527\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Contact Us Immediately:<\/span><\/strong><span class=\"ne-text\"> Reach out to the Merchant Services team at <\/span><a class=\"ne-link\" href=\"https:\/\/www.worldfirst.com.cn\/static\/help\/contact-info\/\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.worldfirst.com.cn\/static\/help\/contact-info\/\"><span class=\"ne-text\">https:\/\/www.worldfirst.com.cn\/static\/help\/contact-info\/<\/span><\/a><span class=\"ne-text\"> for immediate support. We can help you to suspend your account and initiate an investigation. <\/span><\/li><li id=\"ueab34e87\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Change Your Passwords:<\/span><\/strong><span class=\"ne-text\"> Update your passwords for all affected accounts.<\/span><\/li><li id=\"ucfbf9fb4\" data-lake-index-type=\"0\"><strong><span class=\"ne-text\">Report the Incident:<\/span><\/strong><span class=\"ne-text\"> Inform the relevant authorities <\/span><span class=\"ne-text\">about the incident. <\/span><\/li><\/ul><ul class=\"ne-list-wrap\"><li style=\"list-style-type: none;\"><ul class=\"ne-ul\"><li id=\"u4e40d06e\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.actionfraud.police.uk\/reporting-fraud-and-cyber-crime\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.actionfraud.police.uk\/reporting-fraud-and-cyber-crime\"><span class=\"ne-text\">Reporting fraud in the UK<\/span><\/a><\/li><li id=\"ud68f4024\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.usa.gov\/stop-scams-frauds\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.usa.gov\/stop-scams-frauds\"><span class=\"ne-text\">Reporting fraud in the US<\/span><\/a><\/li><li id=\"u944f23d3\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.europol.europa.eu\/report-a-crime\/report-cybercrime-online\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.europol.europa.eu\/report-a-crime\/report-cybercrime-online\"><span class=\"ne-text\">Reporting fraud in the EU<\/span><\/a><\/li><li id=\"u7a796fa3\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.antifraudcentre-centreantifraude.ca\/report-signalez-eng.htm\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.antifraudcentre-centreantifraude.ca\/report-signalez-eng.htm\"><span class=\"ne-text\">Reporting crime in Canada<\/span><\/a><\/li><li id=\"ud5cab564\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.npa.go.jp\/bureau\/cyber\/soudan.html\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.npa.go.jp\/bureau\/cyber\/soudan.html\"><span class=\"ne-text\">Consulting your local police about reporting fraud in Japan<\/span><\/a><\/li><li id=\"u575eb614\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/falabr.cgu.gov.br\/publico\/Manifestacao\/SelecionarTipoManifestacao.aspx?ReturnUrl=%2f\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/falabr.cgu.gov.br\/publico\/Manifestacao\/SelecionarTipoManifestacao.aspx?ReturnUrl=%2f\"><span class=\"ne-text\">Reporting fraud in Brazil<\/span><\/a><\/li><li id=\"ufa5ec049\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.police.gov.hk\/ppp_en\/contact_us.html?st=headingNineteen\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.police.gov.hk\/ppp_en\/contact_us.html?st=headingNineteen\"><span class=\"ne-text\">Reporting fraud in Hong Kong<\/span><\/a><\/li><li id=\"u9d248455\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.bnm.gov.my\/web\/financial-fraud-alert\/report-a-fraud\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.bnm.gov.my\/web\/financial-fraud-alert\/report-a-fraud\"><span class=\"ne-text\">Reporting fraud in Malaysia<\/span><\/a><\/li><li id=\"u50992db2\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/eservices1.police.gov.sg\/phub\/eservices\/landingpage\/police-report\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/eservices1.police.gov.sg\/phub\/eservices\/landingpage\/police-report\"><span class=\"ne-text\">Reporting fraud in Singapore<\/span><\/a><\/li><li id=\"u7ee9f1bf\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.dubaipolice.gov.ae\/wps\/portal\/home\/services\/individualservicescontent\/cybercrime\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.dubaipolice.gov.ae\/wps\/portal\/home\/services\/individualservicescontent\/cybercrime\"><span class=\"ne-text\">Reporting fraud in the UAE<\/span><\/a><\/li><li id=\"uc95d7364\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.counterfraud.gov.au\/report-fraud\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.counterfraud.gov.au\/report-fraud\"><span class=\"ne-text\">Reporting crime in Australia<\/span><\/a><\/li><li id=\"u2782fbf6\" data-lake-index-type=\"0\"><a class=\"ne-link\" href=\"https:\/\/www.netsafe.org.nz\/reportanincident\/\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/www.netsafe.org.nz\/reportanincident\/\"><span class=\"ne-text\">Reporting crime in New Zealand<\/span><\/a><\/li><\/ul><\/li><\/ul><p id=\"u50ec7a46\" class=\"ne-p\"><span class=\"ne-text\">By staying vigilant and following these protective measures, you can significantly reduce the risk of falling victim to an account takeover.<\/span><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Related content &#8211; Legal&#8211;\u00a0Compliance&#8211;\u00a0Complaints&#8211;\u00a0Privacy policy&#8211;\u00a0Cookie policy Understanding and Preventing Account Takeovers (ATO) What is ATO? Account Takeover (ATO) is a type of cyber crime whereby a third party gains unauthorized access to your account without your permission or awareness. This can lead to serious financial loss, unauthorized transactions, unauthorised changes to your account details, identity [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":0,"parent":6404,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding and Preventing Account Takeovers (ATO) | WorldFirst SG<\/title>\n<meta name=\"description\" content=\"Account Takeover (ATO) is a type of cyber crime whereby a third party gains unauthorized access to your account without your permission or awareness.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/\" \/>\n<meta property=\"og:locale\" content=\"en_SG\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding and Preventing Account Takeovers (ATO)\" \/>\n<meta property=\"og:description\" content=\"Account Takeover (ATO) is a type of cyber crime whereby a third party gains unauthorized access to your account without your permission or awareness.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/\" \/>\n<meta property=\"og:site_name\" content=\"WorldFirst SG\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-27T03:46:27+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/\",\"url\":\"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/\",\"name\":\"Understanding and Preventing Account Takeovers (ATO) | WorldFirst SG\",\"isPartOf\":{\"@id\":\"https:\/\/www.worldfirst.com\/sg\/#website\"},\"datePublished\":\"2025-04-27T03:43:12+00:00\",\"dateModified\":\"2025-04-27T03:46:27+00:00\",\"description\":\"Account Takeover (ATO) is a type of cyber crime whereby a third party gains unauthorized access to your account without your permission or awareness.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.worldfirst.com\/sg\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Compliance\",\"item\":\"https:\/\/www.worldfirst.com\/sg\/compliance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Understanding and Preventing Account Takeovers (ATO)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.worldfirst.com\/sg\/#website\",\"url\":\"https:\/\/www.worldfirst.com\/sg\/\",\"name\":\"WorldFirst SG\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.worldfirst.com\/sg\/#organization\"},\"alternateName\":\"WorldFirst\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.worldfirst.com\/sg\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.worldfirst.com\/sg\/#organization\",\"name\":\"WorldFirst SG\",\"url\":\"https:\/\/www.worldfirst.com\/sg\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.worldfirst.com\/sg\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/9\/2023\/07\/20250123032021991.png\",\"contentUrl\":\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/9\/2023\/07\/20250123032021991.png\",\"width\":238,\"height\":34,\"caption\":\"WorldFirst SG\"},\"image\":{\"@id\":\"https:\/\/www.worldfirst.com\/sg\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Understanding and Preventing Account Takeovers (ATO) | WorldFirst SG","description":"Account Takeover (ATO) is a type of cyber crime whereby a third party gains unauthorized access to your account without your permission or awareness.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/","og_locale":"en_SG","og_type":"article","og_title":"Understanding and Preventing Account Takeovers (ATO)","og_description":"Account Takeover (ATO) is a type of cyber crime whereby a third party gains unauthorized access to your account without your permission or awareness.","og_url":"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/","og_site_name":"WorldFirst SG","article_modified_time":"2025-04-27T03:46:27+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/","url":"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/","name":"Understanding and Preventing Account Takeovers (ATO) | WorldFirst SG","isPartOf":{"@id":"https:\/\/www.worldfirst.com\/sg\/#website"},"datePublished":"2025-04-27T03:43:12+00:00","dateModified":"2025-04-27T03:46:27+00:00","description":"Account Takeover (ATO) is a type of cyber crime whereby a third party gains unauthorized access to your account without your permission or awareness.","breadcrumb":{"@id":"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.worldfirst.com\/sg\/compliance\/account-takeover-prevention\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.worldfirst.com\/sg\/"},{"@type":"ListItem","position":2,"name":"Compliance","item":"https:\/\/www.worldfirst.com\/sg\/compliance\/"},{"@type":"ListItem","position":3,"name":"Understanding and Preventing Account Takeovers (ATO)"}]},{"@type":"WebSite","@id":"https:\/\/www.worldfirst.com\/sg\/#website","url":"https:\/\/www.worldfirst.com\/sg\/","name":"WorldFirst SG","description":"","publisher":{"@id":"https:\/\/www.worldfirst.com\/sg\/#organization"},"alternateName":"WorldFirst","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.worldfirst.com\/sg\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.worldfirst.com\/sg\/#organization","name":"WorldFirst SG","url":"https:\/\/www.worldfirst.com\/sg\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.worldfirst.com\/sg\/#\/schema\/logo\/image\/","url":"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/9\/2023\/07\/20250123032021991.png","contentUrl":"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/9\/2023\/07\/20250123032021991.png","width":238,"height":34,"caption":"WorldFirst SG"},"image":{"@id":"https:\/\/www.worldfirst.com\/sg\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/pages\/47874"}],"collection":[{"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/comments?post=47874"}],"version-history":[{"count":5,"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/pages\/47874\/revisions"}],"predecessor-version":[{"id":48379,"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/pages\/47874\/revisions\/48379"}],"up":[{"embeddable":true,"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/pages\/6404"}],"wp:attachment":[{"href":"https:\/\/www.worldfirst.com\/sg\/wp-json\/wp\/v2\/media?parent=47874"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}