What Does a Fraud Victim Look Like?

What Does a Fraud Victim Look Like? When we think about fraud victims, stereotypes often come to mind—perhaps someone elderly, naïve, or unfamiliar with technology. But the truth is far different; fraud victims can be anyone. Age, education, or experience does not offer immunity when fraudsters rely on manipulation and deceit.

Fraudsters are skilled at exploiting and manipulating human emotions - trust, fear, curiosity, sympathy or urgency to name a few. They create convincing stories, use fake identities, sophisticated technology and realistic scenarios designed to bypass your defences. Even the most cautious and informed individuals can become a victim of a scam under the right circumstances.

One important thing to remember is this: falling for a scam is not the victim’s fault. Even using the word ‘falling’ (which I used to make this point), implies that somehow it is the victim’s fault, and this perception is something that needs to change. Fraudsters are criminals, and the blame lies squarely with them.

Victim-blaming only adds to the shame and embarrassment people may already feel, which can prevent them from reporting the fraud or seeking support. This is also a contributing factor to why fraud is underreported.

If you or someone you know has been scammed, the most important step is to report it and seek help and advice. Fraudsters rely on silence and shame to continue their operations. By speaking up, you are taking back control and helping to protect others.

Remember, anyone can be a victim of fraud. What matters most is how we respond—by supporting those affected and working together to prevent future frauds.

Other useful articles can be found in our Counter Fraud Newsletters on the Publications page.