B2B Invoice Fraud

A discussion about how B2B fraud targeting corporations can be more effective than individual consumer fraud, using examples from recent scams.

Corporate Invoice Fraud Method

• Send fake invoices to large companies like Microsoft and Apple
• Target accounts payable departments (ap@microsoft.com)
• Companies sometimes pay without proper verification
• Can result in millions in fraudulent payments
• One case netted $1.1M from a single company before detection

Why B2B Fraud is More Effective

• Corporations have deeper pockets than individuals
• Less emotional involvement compared to individual fraud
• More systematic approach possible
• Can potentially operate within legal grey areas
• Scale potential is much higher than individual targeting

Risks and Downsides

• Companies will eventually investigate unusual payments
• Legal consequences when caught
• Companies have resources to pursue fraudsters
• Higher scrutiny from law enforcement for corporate fraud

Comparison to Consumer Fraud

• Consumer fraud requires more emotional manipulation
• Individual targets have limited financial resources
• Need multiple victims to achieve same scale
• More personal involvement required
• Higher risk of emotional fallout and exposure

Key Takeaway

• Corporate fraud through systematic invoicing potentially more profitable
• Requires less personal involvement than consumer schemes
• More efficient use of time and resources
• Better potential return on effort
• Need to focus efforts on fewer, larger targets

Note: This framework is presented for educational purposes only and describes illegal activities that should not be attempted.