夏延破获大规模美国国库支票欺诈案

一名妇女在怀俄明州夏延试图将价值近 100 万美元的欺诈性美国财政部支票存入新开立的银行账户后被捕。由于该女子的信息不一致，而且支票外观可疑，该事件已被“清洗”以删除收款人详细信息，因此引发了危险信号。银行工作人员扣押了支票进行进一步调查，导致联邦特工介入，联邦特工确认了支票的真实性，但质疑该女子的身份。

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

美国财政部支票欺诈指控：女性面临联邦指控

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.

怀俄明州夏延 - 据报道，位于夏延的 WyHy 联邦信用合作社发现并挫败了其历史上最大的涉嫌支票欺诈案件，该案件涉及试图使用他人的名字存入近 100 万美元的美国财政部支票。

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.

周一，一名来自威斯康星州、55 岁的帕梅拉·库贝什 (Pamela Kubesh) 女士进入夏安市的一家银行，以加利福尼亚州洛杉矶居民“NJR”的名义开设了账户。最初，整个过程进展顺利，库贝什出示了加州驾照，并声称已搬到怀俄明州工作。

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，当被问及她的社会安全号码时，库贝什犹豫了，并参考了一份文件。她的社会安全号码是2011年发放的，这一事实进一步引起了银行员工的怀疑。

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."

开户后，库贝什出示了一张 985,020 美元的国库支票，抬头人为“NJR”。虽然这张支票看上去是真的，但联邦财政部特工布拉德利·彼得斯的调查显示，部分收款人信息已被删除，表明这张支票已被“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，但由于情况可疑，银行将新账户兑现资金的通常 30 小时冻结期限延长至 9 个工作日。

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.

后来，库贝什带着一名她认定是她侄子的男子回到银行，试图将他添加到账户中。银行员工注意到侄子的社会安全号码存在违规行为，并对他全新的驾驶执照感到不安，促使他们联系分行经理。

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.

随着越来越多的担忧，银行官员联系了特工彼得斯并检查了共享银行数据库，数据库显示库贝什在来到 WyHy 之前不久曾试图在另一家夏延信用社开设账户。

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.

在随后访问银行时，库贝什询问了她的网上银行账户的访问权限，但该账户无法正常运行。银行工作人员联系了警方，警方接近银行，一名员工假装账户系统出现问题，阻止库贝什。

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.

近年来，美国的支票欺诈激增，报告从 2021 年到 2022 年几乎翻了一番。欺诈者通常以美国邮政系统为目标窃取支票，特别是与 COVID-19 刺激和福利支出相关的支票。

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 联邦信用合作社官员强调了支票欺诈的严重性，并赞扬其员工在防止此类企图方面保持警惕。他们指出，WyHy 的每日最高提现限额为 5,000 美元，即使库贝什在不被发现的情况下成功存入支票，她也无法兑现整张 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·库贝什目前因欺诈美国政府而面临联邦指控。该案件凸显了金融机构保持警惕的重要性以及数字时代支票欺诈的持续威胁。