夏延破獲大規模美國國庫支票詐欺案

一名婦女在懷俄明州夏延試圖將價值近 100 萬美元的欺詐性美國財政部支票存入新開立的銀行帳戶後被捕。由於該女子的信息不一致，而且支票外觀可疑，該事件已被“清洗”以刪除收款人詳細信息，因此引發了危險信號。銀行工作人員扣押了支票進行進一步調查，導致聯邦特工介入，聯邦特工確認了支票的真實性，但質疑該女子的身份。

U.S. Treasury Check Fraud Allegation: Woman Faces Federal Charges

美國財政部支票詐欺指控：女性面臨聯邦指控

Cheyenne, Wyoming - WyHy Federal Credit Union in Cheyenne has reportedly uncovered and thwarted the largest alleged case of check fraud in its history, involving an attempt to deposit a nearly $1 million U.S. Treasury check using someone else's name.

懷俄明州夏延 - 據報道，位於夏延的 WyHy 聯邦信用合作社發現並挫敗了其歷史上最大的涉嫌支票欺詐案件，該案件涉及試圖使用他人的名字存入近 100 萬美元的美國財政部支票。

On Monday, a woman identified as Pamela Kubesh, 55, of Wisconsin, entered a Cheyenne bank and opened an account under the name "NJR," a resident of Los Angeles, California. Initially, the process proceeded smoothly, with Kubesh presenting a California driver's license and claiming to have moved to Wyoming for work.

週一，一名來自威斯康辛州、55 歲的帕梅拉·庫貝什 (Pamela Kubesh) 女士進入夏安市的一家銀行，以加州洛杉磯居民「NJR」的名義開設了帳戶。最初，整個過程進展順利，庫貝什出示了加州駕照，並聲稱已搬到懷俄明州工作。

However, when asked for her Social Security number, Kubesh hesitated and referred to a document. The fact that her Social Security number was issued in 2011 further aroused the suspicion of bank employees.

然而，當被問及她的社會安全號碼時，庫貝什猶豫了，並參考了一份文件。她的社會安全號碼是2011年發放的，這一事實進一步引起了銀行員工的懷疑。

Following the account opening, Kubesh presented a Treasury check for $985,020, payable to "NJR." While the check appeared genuine, an investigation by Federal Treasury Special Agent Bradley Peters revealed that part of the payee information had been removed, indicating that the check had been "washed."

開戶後，庫貝什出示了一張 985,020 美元的國庫支票，抬頭人為「NJR」。雖然這張支票看起來是真的，但聯邦財政部特工布拉德利彼得斯的調查顯示，部分收款人資訊已被刪除，表明這張支票已被「洗白」。

Kubesh successfully deposited the check, but the bank extended the usual 30-hour hold on cashing funds from a new account to nine business days due to the questionable circumstances.

Kubesh 成功存入了支票，但由於情況可疑，銀行將新帳戶兌現資金的通常 30 小時凍結期限延長至 9 個工作天。

Later, Kubesh returned to the bank with a man she identified as her nephew, attempting to add him to the account. Bank employees noticed irregularities with the nephew's Social Security number and felt uneasy about his brand-new driver's license, prompting them to contact the branch manager.

後來，庫貝什帶著一名她認定是她侄子的男子回到銀行，試圖將他加入帳戶。銀行員工注意到侄子的社會安全號碼有違規行為，並對他全新的駕照感到不安，促使他們聯繫分行經理。

With mounting concerns, bank officials reached out to Special Agent Peters and checked a shared banking database, which revealed that Kubesh had attempted to open an account at another Cheyenne credit union shortly before coming to WyHy.

隨著越來越多的擔憂，銀行官員聯繫了特工彼得斯並檢查了共享銀行資料庫，資料庫顯示庫貝什在來到 WyHy 之前不久曾試圖在另一家夏延信用社開設帳戶。

During a subsequent visit to the bank, Kubesh inquired about access to her online bank account, which was not functioning. Bank personnel contacted the police, who approached the bank while an employee stalled Kubesh, feigning issues with the account system.

在隨後訪問銀行時，庫貝什詢問了她的網路銀行帳戶的存取權限，但該帳戶無法正常運作。銀行工作人員聯繫了警方，警方接近銀行，一名員工假裝帳戶系統出現問題，阻止庫貝什。

Check fraud in the United States has surged in recent years, with reports nearly doubling from 2021 to 2022. Fraudsters commonly target the U.S. Mail system to steal checks, particularly those related to COVID-19 stimulus and benefit payouts.

近年來，美國的支票詐欺激增，報告從 2021 年到 2022 年幾乎翻了一番。詐欺者通常以美國郵政系統為目標竊取支票，特別是與 COVID-19 刺激和福利支出相關的支票。

WyHy Federal Credit Union officials emphasized the seriousness of check fraud and commended their staff for their vigilance in preventing such attempts. They noted that WyHy's maximum daily cash-out limit of $5,000 would have prevented Kubesh from cashing the entire $985,020 check, even if she had succeeded in depositing it without detection.

WyHy 聯邦信用合作社官員強調了支票詐欺的嚴重性，並讚揚其員工在防止此類企圖方面保持警惕。他們指出，WyHy 的每日最高提現限額為 5,000 美元，即使庫貝什在不被發現的情況下成功存入支票，她也無法兌現整張 985,020 美元的支票。

Pamela Kubesh is currently facing federal charges for defrauding the United States government. The case highlights the importance of financial institutions exercising vigilance and the ongoing threat of check fraud in the digital age.

帕梅拉·庫貝什目前因欺詐美國政府而面臨聯邦指控。該案件凸顯了金融機構保持警惕的重要性以及數位時代支票詐欺的持續威脅。