Fusion Cell reduces scam impacts

Key organisations have become aware of the dangers and consequences of online romance scams, and have worked in a Fusion Cell to do what they can to prevent scams.

National Anti-Scam Centre runs Fusion Cell

Under the auspices of the National Anti-Scam Centre a ‘Fusion Cell’ was convened to bring all of the willing players together to address the emotional and financial harm of romance scams. Fusion cells are time-limited taskforces designed to bring together expertise from government and the private sector to take action to address specific, urgent scam issues.

Participants

The participants in this Fusion Cell were wide ranging including (copied from the final report):

Dating platforms
– eHarmony
– Match Group
– RSVP
Law enforcement  
– Australian Federal Police
– South Australian Police
– Victoria Police
Cryptocurrency
– Swyftx
Government
– AUSTRAC
Digital platforms
– Meta  
Banking
– Australia and New Zealand Banking Group (ANZ)
– Commonwealth Bank of Australia
– Defence Bank
– Macquarie Bank
– National Australia Bank
– Westpac
Victim support
– Consumer Action Law Centre
– IDCARE
– Lifeline Australia
– Tracy Hall Consulting
Academic
– Monash University

I was honored to be asked to give the victim’s perspective to the Inaugural meeting of this Fusion Cell in July 2025.

The Fusion Cell activity is concluded and a final report is now available,

A news report highlighting the report’s outcomes identifies a number of areas including from the news report:

Disruption Outcomes, such as

  • Established new frameworks between banks and digital currency exchanges for sharing suspected scam transactions, stopping the theft before it occurs
  • Sharing of URLs used in romance baiting investment scams with digital currency exchanges and identifying related scam-linked blockchain transactions
  • 377 scam websites, WhatsApp accounts, emails and social media profiles referred for takedown and blocking
  • 1,004 suspected scam transactions and 168 suspect scam cryptocurrency wallet addresses referred for investigation, blocking, and blacklisting
  • Improved on-platform screening and safety by sharing romance scam trends and scammer tactics intelligence with digital platforms

New operational capabilities, such as

  • Developed three frontline response guides for bank staff, law enforcement, and support workers/carers to promote consistent, trauma-informed scam identification, disengagement, and referral
  • Piloted a disengagement referral process for banks, connecting customers still engaged in a romance scam to support organisations. Despite a limited number of referrals, the trial provided valuable insights into operational challenges and strategies for connecting victims with appropriate support services

Support and resource development, such as

  • Developed a pilot Online Relationship Health Check, a 20-question self-assessment tool to help victims identify romance scam risk factors in their relationships
  • Raised awareness and early intervention capabilities in the aged care and disability support sectors through hosting industry forums for management and client-facing staff
  • Delivered an Australian-first romance scam online peer-support group pilot demonstrating the benefits of small group, recovery support led by fellow participants
  • Co-designed, with First Nations community members, a culturally appropriate romance scam awareness poster in the Murrinh-patha language
  • Developed a Language Matters guide to support crime-accurate, trauma-informed and non-stigmatising communication across the ecosystem
  • Created and delivered train-the-trainer resources to uplift support worker staff capability and build confidence in organisations working with at-risk populations”

Online Relationship Health Check

The Online Relationship Health Check is worth checking out. Would it have helped you if it had been available when you were scammed? Just this week I received an email from a woman who said that she did not know about romance scams before she became engaged in one recently.

What enheartens me the most from the work of the Fusion Cell is the active takedown and blocking of URLS, websites, WhatsApp accounts, emails, social media profiles and the investigation, blocking and blacklisting of scam transactions and suspect scam cryptocurrency wallets. These activities come closest to punishing the perpetrators, which mostly cannot be done because of cross country jurisdictional issues.  Stopping them being able to work their scams so easily comes the closest to this.

In my day (2012), none of this was even thought about. We were on our own, mostly, with little support from the many organisations around us. There had been a couple of face-to-face support groups, and I started one in Melbourne in 2015. That group instigated all of the victim advocacy I have done over the years.

For many years the ACCC focussed on educating potential victims through warnings. More recently the National Anti-Scam Center has worked more closely with the banks. To see such a broad group of organisations involved in the various steps of the scam process, coming together and working together, and the outcomes they can achieve though this is heartening.

I commend the Fusion Cell and all its members on their work. I just wish it had been done sooner.

PS: Other Fusion Cells have been done for Job scams and Investment scams. See the reports on their outcomes here.

Other news:

Life Matters Radio Program Icon

Earlier this year I was invited to participate in a radio discussion about how scams have changed over the years. For several years I had pulled away from public speaking – after seven years of victim advocacy I was burnt out. However I could not resist the invitation from Life Matters. See the details on my Media Presence page.

I came away from that radio interview with, as often in my experience talking to the media, frustration that there was not enough time to say all I wanted to say. It became clear to me that there was more I wanted to say. More that encapsulates all I have learnt over the years of writing this blog, my book, and my work with romance scam victims. So…

I’m writing a book

I’m writing a book, for victims… and hope to have this ready in the next month or so.  If anyone would like to be a beta reader – someone who reads the draft and comments on it, please drop me a note in the comments.  Cover reveal will be next…

Scammers are the ultimate opportunists

Did you see the recent news from the ACCC that scammers are using games such as Words with Friends and Scrabble to make contact with their victims and develop relationships for romance scams?  I did, and I’ve also had reports of scam contacts being made via Language Learning classes, and via LinkedIn.  From my experience, in just about any organisation requiring membership, the member can be vulnerable to scammer contact.  They set up a fake profile and/or membership and join in activities of that group, and make what seems to be a friently, if unsolicited contact asking to chat…

The Media Release identifies that romance scammers have moved beyond online dating sites to Facebook and Instagram and now include these popular game sites. 

Scammers will still use their old contact mechanisms, but as prevention messages grow in volume, potential victims are more likely to be sceptical and avoid the common pitfalls when they are easily identifiable.  Unfortunately, warnings are not yet covering the need to avoid unsolicited contacts on these gaming sites.

Continue reading Scammers are the ultimate opportunists

Fake Friends, Liars and Gumtree scams

A number of interesting articles/pieces came my way recently, especially the piece on the number of fake Facebook accounts being found.  Even when they are removed from Facebook, they are replaced by others…  I also watched a TED talk on how to spot liars, get quoted in an article about Gumtree scams, add a warning about phishing and about scam promises to get your money back.

Fake friends

Recently journalists at the ABC (Australian Broadcasting Commission), our national TV and Radio network, broke a story about hundreds of fake Facebook accounts linked to ‘Texas’, a town of 900 people in Queensland, Australia.

Of the 500 fake accounts they identified, they identified 448 of these as having suspicious signals. Similar anomalous accounts can also be found for our towns of Miami (Queensland), Virginia (Queensland) and Toronto (New South Wales).”  They think it is because scammers are trying to use North American locations, but the Australian city links come up first.  It’s a case of mistaken location: Continue reading Fake Friends, Liars and Gumtree scams

Victim stories as a prevention strategy

I woke up with an insight the other night.  I was part of a group brainstorming with Consumer Affairs Victoria. They want to do something about romance scams and were looking at intervention points.  The insight I had is that one of the biggest resources for prevention messages is scam victims, yet it is virtually untapped.  I’ve been saying for some time that more needs to be done for romance scam victims.  There is currently very little done for or with them. Yet they have great stories to tell.

They are encouraged to report their scam to ScamWatch or ACORN,  and they might get an automated response back with no identifying name, but to the victim, there is very little indication of anything else happening.  They are left alone to deal with the grief, the shame, and the often devastating financial circumstances.  They suffer through depression, low self esteem, lack of self worth, as well as sometimes suicidal thoughts and actions.  I know this from personal experience, and from the many contacts I have with victims who tell me this, saying they are still in this state even many years after they have been scammed. Continue reading Victim stories as a prevention strategy

Susceptible to scams? 66 percent are..

Whenever I speak publicly about being scammed there is often either an innuendo or a direct attribution that because I have been lonely I am likely to be vulnerable to a scam.  For ‘lonely’ translate to ‘faulty individual’.  Thus the formula follows, in their minds:  I am not lonely, therefore I am not ‘scam-able’.  I reject the formula, but more on that later.  Now there is research which has looked specifically at susceptibility to cybercrime.  Low and behold “In total, 60% of the population surveyed presented as being in the higher risk categories for susceptibility to cybercrime.”[i]  So, for a great many people, it could happen to them.

Undertaken by Lee Hadlinton and Sally Chivers, and published in Policing: A Journal of Policy and Practice[i], this research looks at susceptibility to cybercrime levels through the lenses of information security awareness,  trait impulsivity, and cross references these with age and employment factors. Continue reading Susceptible to scams? 66 percent are..

Does Lonely mean Ripe for a Scam

I recently gave a talk to a local PROBUS Club (for over 55s who are retired), about my experience of being scammed.  I’m getting better at doing these talks, but still am taken aback by some of the questions.  The one that most niggled this day was if I had been single for much of my life.

“Ah!” He said, when I replied positively to this. In his mind I knew he had now put me in the box of “lonely, therefore scam- able”.  I wanted to scream, because I knew he was also making the leap to “I’m not lonely, therefore it won’t happen to me”.  They all wanted to believe “it won’t happen to me”.  All 90 of them listening to my talk on how I was scammed. It was similar to those other questions which implied that I was gullible or stupid to fall for a scam. Continue reading Does Lonely mean Ripe for a Scam

Scammers active and now hacking

As victims, we become hyper-vigilant, and also notice things like phone numbers still in use.  This victim has set up a web site looking for others being contacted via the same phone number +61 488159797, concerned that they might also be caught in a scam.  Read her full shocking story here. Contact her directly if you have any information to share.

This victim also sought to do some due diligence by getting a private investigation company to look into a potential partner she met on RSVP, only to find later that her interactions with this company were hacked and intercepted, with false positive responses about her scammer provided to her in reply.  This encouraged her to believe the information provided by the scammer was true. Continue reading Scammers active and now hacking

Award winning research – Prevention messages need review

Cassandra Cross, The QUT cyber fraud and scam researcher, claims putting out warnings about all the different types and plots of scams does not effectively deliver warnings that help people avoid scams, especially romance scams.  The focus needs to change so effective, consistent and repeatable warnings are given, and the ongoing losses are stopped. She has been in the news again winning awards for her article about this, as well as being quoted in the press, doing a TED talk, attending local and overseas conferences, and having her (co-authored) book published.

Highly Commended Award celebrates unique insights into what prevention strategies work.

The Emerald Literati Awards celebrate and reward the outstanding contributions of authors and reviewers to scholarly research. Her article with fellow (Toronto Police Service) author Michael Kelly The Problems of “white noise”: examining current prevention approaches to online fraud  received the Highly Commended award for the Journal of Financial Crime. Continue reading Award winning research – Prevention messages need review

Latest Targeting Scams 2017 report from ACCC

The latest report out from the ACCC called Targeting Scams 2017  came out on Monday 15 May with the 2016 figures.  In the area of romance scams the figures ($25.4 million reported lost) have not changed much, up slightly from 2015, but still under the 2014 level.  The report indicates some moves in the right direction, but much more effort in many directions is still needed.

Unfortunately, the figures reported cannot be regarded as a true level. It is generally acknowledged reporting is only at about 10% – 12% of actual cases. I was interviewed by Catherine Gregory of ABC News for The World Today program about the latest report and media release. Listen to this here.  (PS: alsohere’s my comments from last year’s report.) Continue reading Latest Targeting Scams 2017 report from ACCC

“Beware dodgy scammers” sends wrong message

At the behest of the Consumer Affairs Victoria I participated in a widely-covered press interview, jointly with the Minister [The Hon Marlene Kairouz MP: Minister for Consumer Affairs, Gaming and Liquor Regulation] to provide warnings to people about the dangers of romance scams in the lead up to Valentine’s Day this year. Whilst the press articles covered the full story, the TV news shorts offered the message “Beware dodgy scammers”.  There are a number of problems with this message.

  1. It implies that you can determine up front that these people are “dodgy” and “scammers” and so avoid them, when their success is because they are the opposite of this. They appear respectable, reasonable, capable, financially secure, caring and articulate.  They build intimacy and trust, and only when they have you fully in-love and hooked do they ask you for money.  By then it can be too late, and even suggestions that they are scammers are not believed. Though there might be variations in the types of scams, the mechanism is similar – get you to trust them beyond your own reason.
  2. It gives no real red flags to look out for, such as moving contact off the dating site to email and phone, early and strong professions of love, not being in your local area so unable to meet, constant contact, use of stolen photos, scripted emails, and eventually requests for money.
  3. The impact of being caught in a scam is glossed over, but can in fact be devastating emotionally and financially, both short and long term.

Continue reading “Beware dodgy scammers” sends wrong message