Generative-AI tools that once took Hollywood budgets now live in free-to-download apps. With just ten seconds of audio, criminals can clone a loved one’s voice. With a handful of photos found on social media, they can even build a convincing video of your CEO ordering an urgent wire. The FBI has already warned that AI-generated images and voices are fueling a new wave of imposter scams [1].
Below, we unpack how these scams work, real-world cases making headlines, and the steps you can take today to stay safe.
Plain-English Definition
AI stitches existing images or clips into a new video of someone doing or saying things they never did.
Why It’s Dangerous
Visual “proof” is hard to doubt—especially when you’re rushed.
Plain-English Definition
Software analyzes speech patterns to generate new audio that sounds identical to the original speaker.
Why It’s Dangerous
A panicked call that sounds like your child can trigger instant action.
How Deepfake Is Used
Cloned audio of a grandchild begs for bail or ransom money.
Confirmed Example
Suffolk County, NY seniors lost thousands to AI voice scams in 2025 [3].
How Deepfake Is Used
Fake video/voice of a CFO instructs staff to wire funds.
Confirmed Example
UK engineering firm, Arup, lost $25 million after a deep-fake video call in February 2024 [5].
1. Urgent or fear-based language – “Act now or your account will be seized.”
2. Request for fast, irreversible payment – gift cards, wires, crypto
3. Switch to an odd channel – personal Gmail, WhatsApp, Telegram
4. Glitches or lip-sync issues – slight delay, robotic tone, blurred edges
5. Refusal to verify identity – caller dodges a question only the real person would know
AI hasn’t reinvented fraud—it’s just sped it up. Slow down, verify every “urgent” request, and keep personal data off public channels. Small habits beat high-tech scams every time.
Need help tightening your account protections? Visit any Country Bank banking center or call us today.
References
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