Cyber risks in the United States include phishing attacks, in which an attacker attempts to acquire a victim’s credentials through deceit. The United States accounts for over 60% of phishing attacks worldwide, and businesses are primarily affected by these attacks. Another form of internet fraud is a scheme called the fee fraud scheme or 419 scheme. This scheme relies on little technical skills to deceive people. Hackers essentially trick a person by contacting them through their spam email with a proposal. The proposal is things such as telling the victim they won the lottery or even an online dating website, but before the deal is secured, the victim has to give the hacker an advance fee. Hackers can do this many times before someone realizes they are being scammed. Some people can be scammed out of $200-$30,000 alone! The third that affects the US the most is related to ransomware schemes. The crime occurs when malware infects a victim’s computer and encrypts crucial files, rendering them inaccessible without a decryption key. The scammer approaches the victim and requests money for the key to restore inaccessible data.

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