• Please do not download applications or open links sent to you by email or SMS as they may compromise the security of your passwords, resulting in financial loss to your account. Limit your downloads to applications from official app; stores like Google Play or Apple App store. If you have previously responded to such messages, please contact Riyad Bank immediately at: 920002470 (in KSA) or +966 920002470 (outside KSA and Mobile)

Riyad Bank cares about your financial security and we are committed to protecting your personal information. Please read these tips carefully to protect your personal banking information:

Never provide your National ID/ Iqama number unless you have initiated the contact and have confirmed the business or person's identity:

• Do not use your full or partial National ID/ Iqama number as a Personal Identification Number (PIN) or a password
• If you must provide your National ID/ Iqama number in an email or on a Website ensure that it is encrypted, and you know how the recipient will protect it
• Do not record your National ID/ Iqama number on a check, traveler's check, gift certificates, etc., unless required by law
• Be cautious of your surroundings when disclosing your National ID/ Iqama number.

COMPUTER SECURITY:

• Anti-spyware and anti-virus protection detects and removes viruses and spyware, which can steal vital information
• A firewall prevents unauthorized users from gaining access to a computer, or monitoring transfers of information to and from the computer
• Operating system and software updates, sometimes called "patches" or "service packs," should be installed as soon as possible
• Web browser updates are deployed with your security in mind so keep them current check to see if your browser currently meets our security requirements
  

PHISHING AND SPOOFING:

Sometimes criminals may send you emails that look like they have come from Riyad Bank. These emails ask you to go to a Website that also looks like the Riyad Bank website and provide your personal account information. These emails may even ask you to call a phone number and provide account information but the Website is fake. The following are examples of fraudulent emails:

• Asking for personal information - Riyad Bank emails will never ask you to reply in an email with any personal information, such as your National ID/ Iqama number, ATM or Debit Card PIN.
• Urgent appeals - Riyad Bank will never send you emails which claim that your account may be closed if you fail to confirm, verify or authenticate your personal information.
• Update Messages - Riyad Bank will never send you emails which claims that the bank needs to confirm important information due to upgrades and state that you must update your information online.
• Special Offers - Riyad Bank will not send you short customer service surveys in exchange for money being credited to your account.
• Typos and other errors are often the mark of fraudulent emails or websites. Be on the lookout for typos or grammatical errors, awkward writing and poor visual design.

TO PROTECT AGAINST PHISHING AND SPOOFING:

• Always ensure you type in the Riyad Bank website link yourself and have not clicked on a link to access RiyadOnline.
• Make sure you are at Riyad Bank’s Website when you sign in to RiyadOnline- http://www.riyadbank.com.
• If you receive a suspicious email, do not click on any links or reply to it. Simply delete it.
• To report a suspicious email that uses Riyad Bank’s name, you can forward it to: fraudcontroldept@riyadbank.com

MONEY LAUNDERING:

Money mules are unsuspecting victims who become middlemen for criminals trying to launder stolen funds. Victims are lured by the promise of a new career opportunity making large sums of money for minimal work. Criminals recruit money mules, send them stolen money and then ask the money mules to wire or transfer the money unwittingly to the criminals. Using the money mule masks the criminal's identity.
The money mule may keep a commission for performing the transfer or wire. The victims of these scams may not only have their bank accounts closed and financial reputation ruined, but is often left financially responsible for returning the stolen funds.
Common signs of a money mule scam:

• Overseas companies requesting money transfer agents in the Saudi Arabia
• Opening new bank accounts to receive money from someone you don't know
• Accepting large sums of money into your personal bank account for a new job
• Transferring or wiring funds out of your personal bank account to people you do not know

SMISHING

SMishing is phishing that happens via SMS text message. A criminal sends a text messages tricking you into providing financial or personal information by clicking on links that will sneak viruses onto your mobile device. To guard against these scams:

• Don’t respond to a text message that requests personal or financial information. Riyad Bank will never ask you to respond in this manner.
• Verify the phone numbers that appear in a text message. Store Riyad Bank phone numbers in your mobile contacts for a quick cross-check or..

MALWARE

Malware, short for "malicious software," includes viruses, spyware and trojans that are designed to infiltrate or damage a computer system. Malware is often used to steal personal information and commit fraud. There are several easy ways to minimize the risk of malware:

• Downloads from file sharing and social networking sites can be distribution points for malware
• Attachments and free software from unknown sources shouldn’t be opened or installed
• Pop-up advertisements asking for personal or financial information are likely fraudulent, so it's better to close them
• Updated security and system software can protect your computer from malware threats

USEFUL TIPS:
CREDIT CARDS AND ATM CARDS:

• Sign the signature panel on the back of your card
• Stop paper statements, Choose instead to view your statements online!
• Check your receipts against your online monthly billing or account statements to verify all of your transactions. Report any unauthorized transactions immediately. Once you have reconciled your billing statements, shred up all receipts and discard them at home.
• Check your statements to verify the amounts you have authorized. Also, watch out for multiple charges.
• Keep a list of all your card account numbers, and Bank telephone numbers to call if your cards are ever lost or stolen.
• Be cautious when giving out your card number. Never provide account information to anyone who calls you.
• If your Card is lost or stolen, please inform any Riyad Bank branch immediately or call our toll free number for assistance:
• Riyad Bank Unified number (+966) 920002470

USING ATMs SAFELY:

• Use ATMs with surveillance cameras. Riyad Bank ATMs are monitored by surveillance cameras, which record activity in the area of the ATM.
• Always watch for suspicious persons or activity around an ATM.  do not use the ATM and report your concern to the Bank immediately
• Shield the ATM keypad with your hand or body while entering your PIN.
• Do not accept assistance from strangers! If you encounter any problems at the ATM, contact the Bank directly.
• After completing your transaction, secure your card and cash immediately, before exiting the ATM area. Count your cash later.