बैंक ने रेड फ्लैग को नजरअंदाज किया

भरोसे का सनसनीखेज़ पड़ना

मुझे पिछले मंगलवार को, मुझे CitiGroup के Michael Zidell के मुकदमा पढ़ते हुए,एक पुराना मामला मिला। $20 मिलियन क्रिप्टो-घोटाला। 43-Transfers।एक ही শब्द: “प्रणाली ‘आभास’ में Red Flagsदेखनে में Failure”।

इसलिए Red Flags?

c)इसमें $150K, $275K - प्रश्‍न:

Algo that Failed to Listen

CoinMetrics me maine models banaye the jo crisis se pehle anomalies ko detect karte the. Humne dekha:

• sudden spikes in large integer transfers;
• offshore wallets ka repetitive use;
• victims ke conservative investing se reckless NFT speculation.

Ye sab tha. Lekin Citigroup ka AML system ne ek bhi alert nahi kiya. Kyun? Shayad kyunki numbers bahut saaf the – no decimal noise. Algorithm ke liye ye fraud nahi lagta tha… balki business jaise dikh raha tha. Lekin insani judgemen? Wahan par intervention hona chahiye tha.

The Woman Who Never Existed

Scam shuru hua Facebook messages se – Carolyn Parker naam ki ek aurat jo exclusive NFTs ki early access dene wali thi. Woh real nahi thi… lekin kisi ke liye real laga jisne isolation mein validation dhundha tha. digital loneliness is the soil where pig butchering thrives—where strangers become confidants over coffee chats and late-night DMs. Yeh sirf ek financial crime nahi hai… yeh ek emotional crime hai. Main jaanta hoon — maine bhi apni ‘Carolyn’ ko trust karke tino mahine ka paise ‘moonshot’ token me daala tha. The only difference? Mere bank ne flag kiya thaa. Warning late aaya… lekin portfolio ke liye timely thi.

Why We Keep Getting Fooled by Numbers That Lie

Yeh kuch aise hai jisko hum kabhi batate nahi: banks ko suspicious activity monitor karne ki legally zaroorat hai… lekin har scam rokne ke liye incentive nahi hai. The cost of false positives (innocent users ko flag karna) bahut high hai; miss one fraud? usually buried under risk assessments and compliance reports that prioritize scale over soul. The law says banks must act when red flags appear—but what if those flags are invisible to systems built on outdated assumptions? Pig butchering isn’t new—it’s evolved. From pyramid schemes disguised as get-rich-quick apps to emotionally engineered scams using fake profiles and fabricated success stories, these predators now operate on platforms designed for connection… turning intimacy into exploitation. The tragedy? When victims realize they’ve been played, they don’t blame themselves—they blame the system. And rightly so.