Please Verify You Are Human: AI-Assisted Phishing

August 26, 2024
It’s no secret that artificial intelligence (AI) has been the talk of the town for the last couple of years. With tech giants like Google and Microsoft investing heavily in their applications, it seems this new technology is here to stay. From students outsourcing their assignments to ChatGPT, to businesses generating marketing material featuring employees with a few too many fingers, AI can be a powerful tool to increase the user’s productivity.
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However, as with any new technology, there will always be those that will utilize it for more harm than good. Just as the mass adoption of email and daily Internet browsing opened the floodgates for new and improved fraud attempts, malicious actors have adopted this technology to enhance their operations with several concerning methods.

Phishing emails, once easily identified by their awkward language and generic messages, can now be crafted by AI to closely imitate legitimate communication styles, making them far more convincing and difficult to detect. Voice cloning technology, powered by AI, allows attackers to replicate the voice of an individual with alarming accuracy, facilitating voice phishing (vishing) schemes that prey on individuals’ trust. Additionally, “deepfake” technology enables the creation of highly realistic video or audio content, which can be used to deceive targets by presenting convincing but false evidence. Together, these AI-driven techniques represent a significant escalation in the complexity and effectiveness of phishing attacks, posing a threat to both individuals and organizations.

Fortunately, no matter how advanced these fraud attempts may get, the principles of security awareness will not fail you:

Verify the sender

Is the email sender who they say they are? Look carefully at the sender’s full email address for red flags. If your coworker John Doe’s email is [email protected], be wary of [email protected] or [email protected].
 

Think before you click

Even if a link or attachment is coming from a trusted source, always check the details before clicking. Is the SharePoint link your coworker sent you actually taking you to SharePoint? Is that Word file attached to the emails actually a Word document?
 

Be skeptical

Ask yourself questions when you find the situation is even slightly abnormal. Would your manager urgently call or email you when you normally communicate via Teams or Slack? With the introduction of voice cloning technology, it’s important to think rationally, even if you hear the voice of an angry boss or a distraught relative. If there is any doubt of the caller or sender’s identity, it is recommended to end communication and directly call or email the supposed sender to get confirmation.

Keeping up with new technology is a never-ending race. Luckily, staying ahead of this emerging threat is as simple as reinforcing the basics.  If you’d like to read more on voice cloning fraud, McAfee Labs conducted a study on the subject: https://www.mcafee.com/blogs/privacy-identity-protection/artificial-imposters-cybercriminals-turn-to-ai-voice-cloning-for-a-new-breed-of-sc​am/.

Authored by: Reed Buettner, Security

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About the Company

Potomac Bank, Inc., a wholly owned subsidiary of Potomac Bancshares, Inc., was founded in 1871 as Bank of Charles Town and renamed Potomac Bank on November 3, 2025. The Company’s total assets were $976 million as of March 31, 2026. The Bank conducts operations through its nine-branch network and one loan production office serving the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia. The Bank offers comprehensive financial solutions through its consumer and commercial banking divisions, Trust, Wealth, and BCT Investments divisions, and its Residential Lending mortgage division. The Bank is also proud to serve its communities as a Small Business Administration (SBA) Preferred Lender. Over the past several years, the Bank has received numerous awards and recognitions, including American Banker’s “Top 200 Community Banks” and “Best Banks to Work For”, the Journal-News “Best of the Best” award, and the LoudounNow “Loudoun’s Favorite” award. 

The Company's shares are quoted on the OTCID marketplace under the symbol "PTBS." For more information about the Bank, please visit our website at www.potomac.bank.

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