Fraud Detection
We take fraud detection seriously at MMFCU. We are committed to protecting your account from experiencing fraudulent activity and are always looking for ways to enhance that protection. Some of the most recent measures we have taken has been to add text message alerts, Card Controls, and NICE Actimize to our already extensive list of top notch systems to keep you safe.
- Text Message Alerts is a service that will reach you faster when potential fraudulent activity is detected on your MMFCU debit card. In an event that your card sees fraudulent activity, you will receive a text message from MMFCU’s shortcode 37268. MassMutual FCU will appear in the message. Simply respond with YES or NO based upon the transaction information, and we’ll handle it from there!
- Card Controls is a service that allows you to be in control of both your MMFCU debit card and credit card. Available both in online banking and in our mobile app, you have total control of how and when your cards are used.
- Guardian Analytics is the behavioral analytics platform we use for fraud prevention. We use Guardian Analytics to safeguard your mobile and online banking experience by looking for potential fraud and trying to stop it before it happens.
Types of Personal Fraud
- Pig Butchering – Your new friend online might seem charming, helpful – even romantic. But beware: they may be interested in one thing… your money.
- This growing scam involves scammers building a relationship over weeks or even months – gaining your trust before convincing you to “invest” in fake opportunities, often involving cryptocurrency. Once you’ve sent funds, they disappear without a trace.
- Money Mules – That “quick cash” job offer or favor for a new online friend might seem harmless—but you could unknowingly be helping criminals move stolen money.
- Money Mule scams trick people into transferring or laundering illegally obtained funds, often through promises of easy income, romance, or helping someone in need. Even if you didn’t realize it was a scam, acting as a money mule is illegal—and can have serious consequences.
- Man-in-the-Middle – Sometimes, the person you’re communicating with isn’t really who you think they are.
- Man-in-the-Middle (MitM) scams occur when a scammer secretly intercepts communications (often through hacked emails, unsecured Wi-Fi, or spoofed websites) and alters the information to trick you into sending money or sensitive data straight to them.
- Lottery or prize Scam – “You’ve won!” Sounds exciting, right? But here’s the truth: if they ask you to pay, you’re not a winner.
- Scammers often claim you’ve won a lottery, prize, or sweepstakes—but then ask for fees, taxes, or banking info before you can claim it. That’s a major red flag.
- Blackmail Scams – Scammers will say anything to scare you into sending money—threatening to expose personal information, fake “hacked” data, or embarrassing content they claim to have.
- These messages are often filled with intimidation and urgency, but here’s the truth: it’s a scare tactic, not a real threat.
If you have any questions about our various fraud protection measures, please feel free to contact us at 800.940.9466 or via email.
