{"id":6779,"date":"2022-02-18T11:24:50","date_gmt":"2022-02-18T11:24:50","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=6779"},"modified":"2022-02-18T11:24:50","modified_gmt":"2022-02-18T11:24:50","slug":"what-types-of-financial-fraud-small-businesses-need-to-be-aware-of","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/what-types-of-financial-fraud-small-businesses-need-to-be-aware-of\/","title":{"rendered":"Pa fathau o Dwyll Ariannol y mae angen i Fusnesau Bach Fod yn Ymwybodol ohonynt."},"content":{"rendered":"<p>Croeso i ail randaliad ein cyfres blog gyda Superfast IT. Mae llawer o fathau o dwyll ariannol y mae angen i fusnesau bach fod yn ymwybodol ohonynt. Yn y blogbost hwn rydym yn amlygu saith math o dwyll ariannol a sut i adnabod arwyddion sgam.<\/p>\n<p>Mae twyll ariannol yn digwydd pan fydd arian yn cael ei ddwyn trwy dwyll, arferion camarweiniol neu anghyfreithlon. Mae sawl math o dwyll ariannol y mae busnesau Gorllewin Canolbarth Lloegr yn eu hwynebu\u2019n gyffredin:<\/p>\n<ul>\n<li>Benthyciadau Twyllodrus<\/li>\n<li>Twyll Bancio<\/li>\n<li>TG dan fygythiad<\/li>\n<li>Prif Swyddog Gweithredol Twyll<\/li>\n<li>Twyll Dynwared<\/li>\n<li>Sgam buddsoddi<\/li>\n<li>Sgam anfoneb<\/li>\n<\/ul>\n<ol>\n<li>\n<h6><strong>Benthyciadau twyllodrus <\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Wrth wneud cais am fenthyciad, dylai busnesau bob amser weithio gyda benthyciwr ag enw da. Fodd bynnag, mae yna gwmn\u00efau ffug yn cynnig benthyciadau busnes twyllodrus. Yn aml mae gan y rhain wefan, sy&#039;n honni eu bod yn gweithredu ar ran Llywodraeth y DU.<\/p>\n<p>Mae busnesau ac unigolion galwadau diwahoddiad y twyllwyr sy\u2019n cynnig y benthyciad a dioddefwyr yn cael eu cyfeirio i lenwi ffurflen gais ar-lein. Unwaith y bydd y wybodaeth bersonol wedi&#039;i chyflwyno, cysylltir \u00e2&#039;r dioddefwyr a&#039;u llongyfarch ar gael eu derbyn i dderbyn yr arian.<\/p>\n<p>Yna gofynnir i ymgeiswyr ddarparu prawf adnabod a ch\u00e2nt eu cyfarwyddo i gael cerdyn rhagdaledig i adneuo eu cyfraniad eu hunain i&#039;r cyfrif ffug. Gellir defnyddio cardiau rhagdaledig mewn ffordd debyg i gardiau credyd, heblaw bod yr arian ar gerdyn rhagdaledig yn cael ei lwytho ymlaen cyn gwario.<\/p>\n<p>Mae twyllwyr yn cysylltu \u00e2\u2019r dioddefwyr dros y ff\u00f4n neu drwy e-bost i ofyn am fanylion eu cerdyn rhagdaledig a chop\u00efau o gyfriflenni er mwyn iddynt dderbyn yr arian. Wrth gwrs, nid yw&#039;r arian yn cael ei roi gan y twyllwyr ac mae&#039;r arian sydd wedi&#039;i lwytho ar y cerdyn gan y dioddefwr yn cael ei ddwyn.<\/p>\n<h6><strong>Sut i adnabod a<\/strong> <strong>benthyciad twyllodrus<\/strong><\/h6>\n<p>Ni fyddai darparwr benthyciad cyfreithlon byth yn disgwyl derbyn taliad ymlaen llaw yn gyfnewid am y benthyciad.<\/p>\n<ol start=\"2\">\n<li>\n<h6><strong>Twyll Bancio<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Twyll bancio yw pan fydd troseddwyr yn cael gafael ar fanylion cyfrif banc busnes ac yn gwneud trosglwyddiadau arian heb awdurdod. Er enghraifft, efallai y byddan nhw&#039;n anfon neges destun, e-bost neu&#039;n eich ffonio chi yn esgus bod o&#039;ch banc eich hun ac yn eich rhybuddio am &#039;weithgarwch amheus&#039; ar eich cyfrif. Maen nhw&#039;n gofyn i chi ymateb i&#039;r neges gyda rhywfaint o fanylion cyfrif\/diogelwch i wirio pwy ydych chi. Bydd hyn mewn gwirionedd yn datgelu pwy ydych chi ac yn rhoi mynediad iddynt i&#039;ch cyfrif banc. Yn aml, gall y sgamiau hyn fod yn argyhoeddiadol iawn, felly mae bob amser yn werth bod yn ofalus trwy beidio \u00e2 darparu unrhyw fanylion. Yna gallwch ffonio&#039;ch banc gan ddefnyddio&#039;r manylion cyswllt a restrir ar eu gwefan y gwyddoch sy&#039;n ddilys.<\/p>\n<h6><strong>Sut i adnabod twyll bancio<\/strong><\/h6>\n<ul>\n<li>Mae manylion cyfrif busnes wedi newid, ac efallai na fyddwch yn gallu cael mynediad i&#039;ch cyfrif.<\/li>\n<li>Mae taleion newydd, debydau uniongyrchol ac archebion sefydlog wedi&#039;u sefydlu ar gyfrif banc eich busnes na wnaethoch chi ei awdurdodi.<\/li>\n<li>Rydych wedi rhoi\u2019r gorau i\u2019ch manylion banc ar fyrder \u2013 tacteg a ddefnyddir yn aml i achosi adwaith pen-glin.<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>\n<h6><strong>TG dan fygythiad<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Mae systemau TG yn cael eu peryglu gan amlaf pan fydd gweithiwr yn derbyn e-bost sgam ac yn lawrlwytho ffeil zip yn ddiniwed neu&#039;n clicio ar ddolen wael. Gall hyn achosi nam neu &#039;ddrws cefn&#039; i&#039;ch TG y gellid ei ddefnyddio i fonitro&#039;r hyn rydych yn ei wneud a chael mynediad i&#039;ch e-byst. Gall y drws cefn fynd heb i neb sylwi arno am fisoedd ac arwain at ddefnyddio nwyddau pridwerth yn y pen draw neu at dwyll ariannol.<\/p>\n<p>Er enghraifft, mae e-byst gan eich adran gyllid yn cael eu dargyfeirio\/anfon ymlaen yn awtomatig at droseddwr. Yna mae&#039;r troseddwr yn ymateb yn \u00f4l i&#039;ch cleientiaid gyda newid mewn manylion talu o&#039;ch cyfrif e-bost. Gwneir y taliad newydd yn uniongyrchol i&#039;r troseddwr yn lle eich busnes.<\/p>\n<h6><strong>Sut i adnabod<\/strong> <strong>cyfaddawdu Isadeiledd TG<\/strong><\/h6>\n<ul>\n<li>Nid yw taliadau disgwyliedig wedi cyrraedd eich banc.<\/li>\n<li>Mae eich adran TG yn monitro TG yn rhagweithiol ac yn sylwi ar afreoleidd-dra y gellir ei ynysu a&#039;i brofi.<\/li>\n<li>Mae eich adran TG yn archwilio negeseuon e-bost yn rheolaidd ac yn gweld rheol anfon ymlaen heb awdurdod.<\/li>\n<\/ul>\n<ol start=\"4\">\n<li>\n<h6><strong>Prif Swyddog Gweithredol Sgam<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Pwy sydd heb dderbyn e-bost sgam Prif Swyddog Gweithredol? Maent yn gyffredin iawn. Gallai ffug Prif Swyddog Gweithredol ddod ar ffurf e-bost, neges destun neu alwad. Dyma lle mae troseddwr yn dynwared eich pennaeth neu uwch reolwr naill ai i newid manylion talu cyflenwr\/contract neu i wneud taliad brys. Er enghraifft, mae aelod o&#039;r t\u00eem cyllid yn derbyn yr hyn sy&#039;n edrych fel e-bost dilys gan uwch reolwr i wneud taliad newydd.<\/p>\n<p>Mae\u2019n werth nodi y gall troseddwyr dargedu busnesau dros sawl mis, gan adeiladu darlun o\u2019ch cwmni ac aelodau\u2019r t\u00eem sy\u2019n awdurdodi taliadau.<\/p>\n<h6><strong>Sut i adnabod sgam Prif Swyddog Gweithredol<\/strong><\/h6>\n<ul>\n<li>Nid cyfeiriad e-bost eich rheolwr yw cyfeiriad yr anfonwr. Mae&#039;n anoddach gweld y sgam hwn os yw cyfrif e-bost eich rheolwr wedi&#039;i hacio. Efallai na fyddant hyd yn oed yn sylweddoli eu bod wedi cael eu hacio nes iddynt wirio eu heitemau anfonwyd. Dyma lle <a href=\"https:\/\/www.superfast-it.com\/services\/cyber-security\">mesurau seiberddiogelwch<\/a> megis hidlo e-bost yn gallu atal yr e-bost rhag mynd i mewn i&#039;ch mewnflwch byth.<\/li>\n<li>Gofynnir i chi brosesu taliad arferol ar fyrder gan eich Prif Swyddog Gweithredol, eich bos neu uwch reolwr.<\/li>\n<li>Nid yw&#039;r iaith a ddefnyddir yn yr e-bost yn gyson \u00e2 iaith yr anfonwr honedig.<\/li>\n<li>Gofynnir i chi newid manylion banc cyflenwr presennol ar eich system.<\/li>\n<li>Mae uwch arweinydd yn dweud mai dim ond mewn e-bost maen nhw ar gael, a bod angen talu ar frys.<\/li>\n<\/ul>\n<ol start=\"5\">\n<li>\n<h6><strong>Twyll Dynwared<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>CThEM, Microsoft, Amazon, Google, WhatsApp, GIG \u2013 mae\u2019r rhain i gyd yn frandiau adnabyddus sy\u2019n cael eu dynwared yn gyffredin. Twyll dynwared yw pan fyddwch yn argyhoeddedig i wneud taliad neu roi manylion ariannol eich busnes i rywun sy&#039;n honni ei fod yn dod o sefydliad yr ydych yn ymddiried ynddo.<\/p>\n<p>Gallent ddefnyddio galwadau ff\u00f4n, negeseuon testun, neu e-bost am ad-daliadau treth, sgamiau cysylltiedig \u00e2 Covid, costau dosbarthu, diweddariadau meddalwedd, mewngofnodi heb awdurdod, neu ddiweddariadau brys.<\/p>\n<h6><strong>Sut i adnabod sgam dynwared<\/strong><\/h6>\n<ul>\n<li>Rydych yn derbyn cais brys, allan o&#039;r glas, i wneud taliad neu ddarparu gwybodaeth ariannol busnes.<\/li>\n<li>Mae neges yn mynnu eich bod yn gweithredu ar unwaith ar gyfer hawliad, er enghraifft, &#039;mae angen dilysu taliadau&#039; neu, &#039;ad-daliad treth yn yr arfaeth&#039;.<\/li>\n<li>Yn annisgwyl gofynnir i chi lawrlwytho meddalwedd i&#039;ch cyfrifiadur.<\/li>\n<li>Mae parth cyfeiriad e-bost yr anfonwr yn wahanol i barth y sefydliad dilys.<\/li>\n<\/ul>\n<ol start=\"6\">\n<li>\n<h6><strong>Sgam Buddsoddi <\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Mae sgam buddsoddi yn addo elw uchel heb fawr ddim risg. Symudir arian i gronfa ffug i dalu am y buddsoddiad ffug. Yn aml caiff ei wneud trwy alwr diwahoddiad sy\u2019n rhoi pwysau arnoch i weithredu\u2019n gyflym, gan honni bod amser cyfyngedig i fuddsoddi. Mae unrhyw un y gwyddys ei fod yn gwneud buddsoddiadau mewn mwy o berygl o gael ei dargedu gan sgam buddsoddi.<\/p>\n<h6><strong>Sut i adnabod sgam buddsoddi<\/strong><\/h6>\n<ul>\n<li>Cysylltir \u00e2 chi yn ddirybudd dros y ff\u00f4n, e-bost, neu lwyfan cyfryngau cymdeithasol gan frocer am gyfle buddsoddi untro - yn debyg iawn i&#039;r ffilm Wolf of Wall Street!<\/li>\n<li>Mae pwysau i wneud penderfyniad cyflym heb unrhyw amser i ystyried y buddsoddiad na gwneud ymchwil.<\/li>\n<li>Cynigir enillion uchel ar eich buddsoddiad i chi heb fawr ddim risg.<\/li>\n<li>Dywedir wrthych fod y cyfle buddsoddi yn unigryw i chi a&#039;ch busnes.<\/li>\n<li>Mae&#039;n swnio&#039;n rhy dda i fod yn wir<\/li>\n<\/ul>\n<ol start=\"7\">\n<li>\n<h6><strong>Twyll Anfoneb<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Mae sgamiau anfoneb yn digwydd pan fydd troseddwr yn esgusodi fel cyflenwr a gofynnir i chi newid manylion cyfrif banc y cyflenwr. Wedi hynny, pan fydd y cyflenwr yn cael ei dalu, caiff ei dalu i gyfrif y troseddwr yn hytrach na chyfrif y cyflenwr. Fel arall, gallai anfoneb ffug ei gwneud yn eich mewnflwch heb i neb sylwi a chael ei thalu&#039;n ddi-gwestiwn yn y pen draw.<\/p>\n<p>Mae troseddwyr yn gwneud ymchwil helaeth am eich busnes i ddarganfod pwy yw eich cyflenwyr a phryd mae taliadau rheolaidd yn ddyledus. Gall troseddwyr dargedu cyfnodau talu prysur \u2013 wythnosau cyflogres, diwedd blwyddyn dreth, Nadolig \u2013 i lithro o dan y radar.<\/p>\n<p>Yn aml, dim ond wrth fynd ar \u00f4l diffyg taliad y darganfyddir twyll anfoneb. Ar y pwynt hwnnw, mae&#039;n anodd iawn adennill yr arian o&#039;r cyfrif twyllodrus.<\/p>\n<h6><strong>Sut i adnabod sgam anfoneb a mandad?<\/strong><\/h6>\n<ul>\n<li>Cais anarferol gan gyflenwr presennol i newid manylion banc.<\/li>\n<li>Derbyn anfonebau amlach neu ddyblyg.<\/li>\n<\/ul>\n<p>Mae sylwi ar arwyddion sgam yn bwysig er mwyn lleihau&#039;n sylweddol eich risg o ddioddef twyll ariannol. Cofiwch, os ydych chi byth yn si\u0175r a yw sefydliad yn ddilys, gallwch gyfeirio yn \u00f4l at y blogbost hwn neu gael ail farn gan rywun rydych chi&#039;n ymddiried ynddo.<\/p>\n<p>Cadwch olwg ar y blog nesaf a fydd yn manylu ar rai egwyddorion i&#039;w dilyn i amddiffyn eich busnes rhag twyll ariannol.<\/p>\n<p>Yn y cyfamser, dilynwch Benthyciadau Busnes BCRS a TG Cyflym Iawn ar gyfryngau cymdeithasol<\/p>\n<p><strong>\u00a0<\/strong><strong> <img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4399\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png\" alt=\"Twitter-logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png 451w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/><\/strong><a href=\"https:\/\/twitter.com\/B_C_R_S\"><strong>@B_C_R_S \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4400\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png\" alt=\"LinkedIn Logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png 456w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/><\/strong><\/a><a href=\"https:\/\/www.linkedin.com\/company\/bcrs-small-business-loans\/\"><strong>Benthyciadau Busnes @BCRS<\/strong><\/a><\/p>\n<p><strong>\u00a0<\/strong><strong> <img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4399\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png\" alt=\"Twitter-logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png 451w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/><\/strong><a href=\"https:\/\/twitter.com\/SuperfastIT\"><strong>@SuperfastIT \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4400\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png\" alt=\"LinkedIn Logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png 456w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/><\/strong><\/a><a href=\"https:\/\/www.linkedin.com\/company\/superfast-it\/\"><strong>@cyflymu TG<\/strong><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Croeso i ail randaliad ein cyfres blog gyda Superfast IT. Mae llawer o fathau o dwyll ariannol y mae angen i fusnesau bach fod yn ymwybodol ohonynt. Yn y blogbost hwn rydym yn amlygu saith math o dwyll ariannol a sut i adnabod arwyddion sgam. Mae twyll ariannol yn digwydd pan fydd arian yn cael ei ddwyn trwy\u2026<\/p>","protected":false},"author":12,"featured_media":6781,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[9,7,637,636,10,638,66,191,54],"class_list":["post-6779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-business","tag-finance","tag-financial-fraud","tag-it","tag-loans","tag-scam","tag-sme","tag-support","tag-west-midlands"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Types of Financial Fraud Small Businesses Need to be Aware of. - BCRS Business Loans<\/title>\n<meta name=\"description\" content=\"There are many types of financial fraud that small businesses need to be aware of. 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