{"id":9688,"date":"2021-06-03T11:10:45","date_gmt":"2021-06-03T08:10:45","guid":{"rendered":"https:\/\/www.kaspersky.com.tr\/blog\/?p=9688"},"modified":"2021-06-03T11:17:12","modified_gmt":"2021-06-03T08:17:12","slug":"rsa2021-detecting-money-mules","status":"publish","type":"post","link":"https:\/\/www.kaspersky.com.tr\/blog\/rsa2021-detecting-money-mules\/9688\/","title":{"rendered":"Para kuryelerinin bile\u011fini b\u00fckmek"},"content":{"rendered":"<p>Herhangi bir banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131nda, su\u00e7lular hesaplar\u0131n\u0131 bo\u015faltmak veya nakde \u00e7evirmek i\u00e7in fonlar\u0131 ta\u015f\u0131mak zorunda. Bu da, <a href=\"https:\/\/www.kaspersky.com.tr\/blog\/money-laundering-schemes\/8860\/\" target=\"_blank\" rel=\"noopener\">kara para aklama<\/a> demek oluyor. \u0130z b\u0131rakmamak i\u00e7in \u00f6nce <a href=\"https:\/\/encyclopedia.kaspersky.com\/glossary\/money-mule\/\" target=\"_blank\" rel=\"noopener\">para kuryelerine<\/a>, daha sonra da ba\u015fka bir yere para aktar\u0131yorlar. <a href=\"https:\/\/www.kaspersky.com\/blog\/tag\/rsac\/\" target=\"_blank\" rel=\"noopener nofollow\">2021 RSA Konferans\u0131<\/a>\u2018nda, ABD ve Avustralya\u2019dan ba\u015fl\u0131ca finans kurulu\u015flar\u0131n\u0131n temsilcileri, para kuryeleri ve de\u011fi\u015fen g\u00f6r\u00fcn\u00fcm \u00fczerine bir <a href=\"https:\/\/www.rsaconference.com\/usa\/agenda\/session\/pinata-time-why-we-should-all-start-bashing-mules\" target=\"_blank\" rel=\"noopener nofollow\">panel<\/a> d\u00fczenledi. Kara para aklama ile m\u00fccadelenin finans sekt\u00f6r\u00fcn\u00fcn en \u00f6nemli \u00f6nceli\u011fi oldu\u011fu sonucuna vard\u0131lar.<\/p>\n<h2>Pandemiyle birlikte para kuryelerinin davran\u0131\u015flar\u0131nda meydana gelen de\u011fi\u015fiklikler<\/h2>\n<p>Tarih boyunca hileli vaka planlayanlar, mevcut banka m\u00fc\u015fteri hesaplar\u0131n\u0131, para aklamak i\u00e7in kulland\u0131lar. Doland\u0131r\u0131c\u0131lar bu hesaplara a\u015fa\u011f\u0131daki \u00fc\u00e7 yol ile eri\u015fim sa\u011flad\u0131:<\/p>\n<ul>\n<li>Kimlik av\u0131 veya k\u00f6t\u00fc ama\u00e7l\u0131 finansal yaz\u0131l\u0131m kullan\u0131p masum banka m\u00fc\u015fterilerinin hesaplar\u0131n\u0131n kontrol\u00fcn\u00fc ele ge\u00e7irerek;<\/li>\n<li>T\u0131bbi tedavi i\u00e7in paraya acil ihtiya\u00e7 olmas\u0131 ve gecikmi\u015f \u00f6deme y\u00fcz\u00fcnden kendi hesab\u0131n\u0131 kullanamamas\u0131 gibi \u00fcz\u00fcc\u00fc bir hikaye ile kurban\u0131n g\u00fcvenini kazanarak;<\/li>\n<li>\u0130nternet \u00fczerinden i\u015fe alarak.<\/li>\n<\/ul>\n<p>Son senaryoda, para kuryeleri de su\u00e7 orta\u011f\u0131 ve pastadan paylar\u0131n\u0131 ald\u0131.<\/p>\n<p>G\u00fcn\u00fcm\u00fczde siber su\u00e7lular kara para aklama i\u00e7in kulland\u0131klar\u0131 hesaplar\u0131n %90\u2019\u0131 ile ileti\u015fim halinde. Bu oran giderek art\u0131yor.<\/p>\n<p>Son iki y\u0131lda, baz\u0131lar\u0131 olduk\u00e7a b\u00fcy\u00fck, bir\u00e7ok ki\u015fisel verinin s\u0131zd\u0131r\u0131lmas\u0131na da \u015fahit olduk. <a href=\"https:\/\/securelist.com\/dox-steal-reveal\/99590\/#dannye-dostupnye-v-darknete-chto-pochem\" target=\"_blank\" rel=\"noopener\">Dark web pazar\u0131, bir banka hesab\u0131 a\u00e7mak i\u00e7in gerekli olan veriler<\/a> g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda hem yeteri kadar se\u00e7ene\u011fe sahip hem de ekonomik. Bundan dolay\u0131, masum bir vatanda\u015f\u0131n verilerini g\u00f6rece olarak az miktarda para transferi i\u00e7in kullanman\u0131n ekonomik a\u00e7\u0131dan me\u015fru bir yan\u0131 var.<\/p>\n<p>Yukar\u0131dakilerin yan\u0131 s\u0131ra, COVID-19 d\u00fcnya \u00e7ap\u0131nda bir\u00e7ok \u015firkete b\u00fcy\u00fck zarar verdi. Bir k\u0131sm\u0131 kapanmak zorunda kald\u0131. Bir\u00e7ok \u00fclke, i\u015fletmelere ve bireylere ekonomik destek sa\u011flamaya \u00e7al\u0131\u015f\u0131yor. \u00c7o\u011fu banka, ihtiya\u00e7 sahiplerinin acil kredi alabilmesi i\u00e7in imkan sa\u011flad\u0131. Bir\u00e7o\u011fu, <a href=\"https:\/\/arca.com\/resources\/blog\/what-is-provisional-credit\" target=\"_blank\" rel=\"noopener nofollow\">provizyon kontrollerini<\/a> basitle\u015ftirdi. Bu durum da, para kuryelerinin say\u0131s\u0131nda art\u0131\u015fa sebep oldu.<\/p>\n<h2>Para kuryeleri neden m\u00fc\u015fteriniz olmamal\u0131<\/h2>\n<p>\u00d6zellikle nakit miktar\u0131 \u00e7ok fazla de\u011filse, baz\u0131 bankalar nakit para giri\u015fine pek dikkat etmez. Banka g\u00fcvenlik hizmetleri, genellikle m\u00fc\u015fterileri korumaya ve hesap ele ge\u00e7irme giri\u015fimlerine odaklan\u0131r. Ayr\u0131ca, ba\u015fka bir ki\u015finin belgeleriyle hesap a\u00e7an profesyonel bir para kuryesi, sadece havale alan me\u015fru bir m\u00fc\u015fteri g\u00f6r\u00fcn\u00fcm\u00fc verir.<\/p>\n<p>Ancak para kuryeleri, bankalara do\u011frudan zarar vermese de, pek iyi m\u00fc\u015fteriler olduklar\u0131 s\u00f6ylenemez. \u0130lk olarak, uzun s\u00fcreli m\u00fc\u015fteriler de\u011filler ve bankalara kayda de\u011fer bir k\u00e2r sa\u011flam\u0131yorlar. Bu durum, sistemde para kuryesi bulunmamas\u0131 i\u00e7in bile tek ba\u015f\u0131na yeterli bir sebep. \u0130kincisi ise, para kuryeleriyle ili\u015fkilendirilmek ciddi bir itibar zedelenmesine sebep olabilir. Hi\u00e7bir banka yasa d\u0131\u015f\u0131 faaliyetlere yard\u0131m ve yatakl\u0131k ederek \u00fcn salmak istemez. \u00dc\u00e7\u00fcnc\u00fcs\u00fc ise, kolluk kuvvetlerinin ve reg\u00fclat\u00f6rlerin dikkati mutlaka siber su\u00e7lu operasyonlar\u0131na bir noktada y\u00f6neliyor. Para kuryelerine yap\u0131lan transferlerden elde edilen komisyonlar, maliyet dengelemenin yak\u0131n\u0131ndan bile ge\u00e7miyor.<\/p>\n<h2>Para kuryelerini di\u011fer m\u00fc\u015fterilerden ay\u0131rt etme<\/h2>\n<p>\u00c7ok y\u00f6nl\u00fc kara para aklama s\u00f6z konusu oldu\u011funda; otomasyon ara\u00e7lar\u0131, proxy sunucular\u0131, uzaktan y\u00f6netim ara\u00e7lar\u0131 ve Tor a\u011f\u0131n\u0131n kullan\u0131m\u0131 da dahil pek \u00e7ok karma\u015f\u0131k hile devreye giriyor. Bu hilelerin amac\u0131, yeni y\u00f6ntemler ile daha \u00f6nce tan\u0131mlanm\u0131\u015f doland\u0131r\u0131c\u0131l\u0131k ve aklama hilelerinin aras\u0131nda ba\u011flant\u0131 kurulmas\u0131n\u0131 engellemek. Bu tarz geli\u015fmi\u015f operasyonlarla m\u00fccadelede kara para aklaman\u0131n kanallar aras\u0131 tespitini zaman\u0131nda yapmak i\u00e7in \u00f6zel ara\u00e7lara ihtiya\u00e7 var.<\/p>\n<p>Kaspersky Fraud Prevention, siber su\u00e7lular\u0131n para kurye hesaplar\u0131na ba\u011flanmak i\u00e7in kulland\u0131klar\u0131 cihazlar\u0131, oturum a\u00e7ma kal\u0131plar\u0131n\u0131 ve di\u011fer bir\u00e7ok durumu analiz ederek, bir m\u00fc\u015fterinin yasa d\u0131\u015f\u0131 bir vakaya dahil olup olmad\u0131\u011f\u0131n\u0131 belirlemenizi sa\u011flayan \u00f6zelliklere sahip. \u00c7\u00f6z\u00fcm hakk\u0131nda ayr\u0131nt\u0131l\u0131 bilgi i\u00e7in,\u00a0<a href=\"https:\/\/www.kaspersky.com.tr\/enterprise-security\/fraud-prevention?icid=tr_kdailyplacehold_acq_ona_smm__onl_b2b_kasperskydaily_wpplaceholder_______\" target=\"_blank\" rel=\"noopener\">Kaspersky Fraud Prevention<\/a> sayfam\u0131za g\u00f6z at\u0131n.<\/p>\n<p><strong><input type=\"hidden\" class=\"category_for_banner\" value=\"kesb-b2b\"><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2021 RSA Konferans\u0131&#8217;nda uluslararas\u0131 finans kurulu\u015f temsilcilerinin g\u00fcndemi para kuryeleri ve kara para aklayanlar ile m\u00fccadeleydi.<\/p>\n","protected":false},"author":700,"featured_media":9689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1726,1194],"tags":[978,612,2426,2427,2425,1876,2420,815],"class_list":{"0":"post-9688","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-enterprise","8":"category-business","9":"tag-bankalar","10":"tag-dolandiricilik","11":"tag-kara-para-aklama","12":"tag-kaspersky-fraud-prevention","13":"tag-para-kuryeleri","14":"tag-rsa-konferansi","15":"tag-rsa2021","16":"tag-rsac"},"hreflang":[{"hreflang":"tr","url":"https:\/\/www.kaspersky.com.tr\/blog\/rsa2021-detecting-money-mules\/9688\/"},{"hreflang":"en-in","url":"https:\/\/www.kaspersky.co.in\/blog\/rsa2021-detecting-money-mules\/22916\/"},{"hreflang":"en-ae","url":"https:\/\/me-en.kaspersky.com\/blog\/rsa2021-detecting-money-mules\/18401\/"},{"hreflang":"en-us","url":"https:\/\/usa.kaspersky.com\/blog\/rsa2021-detecting-money-mules\/24835\/"},{"hreflang":"en-gb","url":"https:\/\/www.kaspersky.co.uk\/blog\/rsa2021-detecting-money-mules\/22828\/"},{"hreflang":"es-mx","url":"https:\/\/latam.kaspersky.com\/blog\/rsa2021-detecting-money-mules\/22011\/"},{"hreflang":"es","url":"https:\/\/www.kaspersky.es\/blog\/rsa2021-detecting-money-mules\/25385\/"},{"hreflang":"it","url":"https:\/\/www.kaspersky.it\/blog\/rsa2021-detecting-money-mules\/24797\/"},{"hreflang":"ru","url":"https:\/\/www.kaspersky.ru\/blog\/rsa2021-detecting-money-mules\/30827\/"},{"hreflang":"x-default","url":"https:\/\/www.kaspersky.com\/blog\/rsa2021-detecting-money-mules\/40083\/"},{"hreflang":"fr","url":"https:\/\/www.kaspersky.fr\/blog\/rsa2021-detecting-money-mules\/17022\/"},{"hreflang":"pt-br","url":"https:\/\/www.kaspersky.com.br\/blog\/rsa2021-detecting-money-mules\/17556\/"},{"hreflang":"pl","url":"https:\/\/plblog.kaspersky.com\/rsa2021-detecting-money-mules\/14864\/"},{"hreflang":"de","url":"https:\/\/www.kaspersky.de\/blog\/rsa2021-detecting-money-mules\/26848\/"},{"hreflang":"ja","url":"https:\/\/blog.kaspersky.co.jp\/rsa2021-detecting-money-mules\/30852\/"},{"hreflang":"nl","url":"https:\/\/www.kaspersky.nl\/blog\/rsa2021-detecting-money-mules\/27106\/"},{"hreflang":"ru-kz","url":"https:\/\/blog.kaspersky.kz\/rsa2021-detecting-money-mules\/23970\/"},{"hreflang":"en-au","url":"https:\/\/www.kaspersky.com.au\/blog\/rsa2021-detecting-money-mules\/29293\/"},{"hreflang":"en-za","url":"https:\/\/www.kaspersky.co.za\/blog\/rsa2021-detecting-money-mules\/29090\/"}],"acf":[],"banners":"","maintag":{"url":"https:\/\/www.kaspersky.com.tr\/blog\/tag\/rsac\/","name":"RSAC"},"_links":{"self":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9688","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/users\/700"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=9688"}],"version-history":[{"count":2,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9688\/revisions"}],"predecessor-version":[{"id":9698,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9688\/revisions\/9698"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media\/9689"}],"wp:attachment":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=9688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=9688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=9688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}