The CEO Voice Directive Scam

You have a voicemail that sounds like your boss asking you to process an urgent wire transfer.

Your boss called asking for an urgent wire transfer, and it truly sounded like them. Executives give speeches, interviews, and webinars; their voices are the easiest in the company to clone.

Hi, it's Mark. I'm heading into a board meeting and can't talk. I need you to process a wire today, $48,200, to the vendor account my assistant is emailing you now. Keep this between us until the deal closes; it's sensitive. Confirm by reply when it's done.

Why this is a scam

The recipe never changes: authority, urgency, and secrecy. A cloned voice supplies the authority; the meeting excuse blocks you from calling back; the confidentiality line stops you from checking with a colleague.

Real payment changes don't arrive by surprise voicemail. Companies use approval chains precisely because a single rushed human is the weakest link. Any real executive would rather be interrupted than robbed.

Red flags

  • An urgent payment request by voice, with no way to call back.
  • New or changed bank details arriving by email right after the call.
  • "Keep this confidential" or "just between us".
  • Pressure to skip the normal approval process this one time.
  • A voice that's right, but a channel, time, or tone that's off.

How it works

Authority plus urgency. Obeying the boss quickly feels like good work; the scam turns your professionalism into the exploit.

What to do

  • Verify by a second channel you initiate: call the boss's known number or ask them in person.
  • Follow the payment approval process; no exceptions for voicemails.
  • Treat any new bank details as unverified until confirmed with the vendor directly.
  • Never let "confidential" stop you from verifying; auditors call that a red flag, not a betrayal.
  • Report the attempt to your finance and IT teams immediately.

Scam

Red flag

High confidence of a scam. The content, the sender, the intent and where its requests lead all point the same way. Do not reply, click, call or pay.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Likely to be a scam

Yellow flag

It asks you to act: a link, a number, a reply or a payment. Where that request leads is where the harm starts.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Likely to be a scam

Grey flag

Nothing is asked of you yet. The content, the sender or the intent do not add up. Scams like this start friendly and ask later.

What to do next

Do not reply at all, not even to say wrong number. A reply tells them the number is live. Block the sender and delete the message. If a request follows, check it again.

Looks normal

Green flag

High confidence this is normal. The content reads as expected, the sender has a safe history, and anything it asks leads somewhere legitimate. Accounts can be taken over, so if a request seems out of character, check again.

What to do next

No action needed. If the sender later asks for money, codes or personal details, check that message too.

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Scam

Red flag

High confidence of a scam. The content, the sender, the intent and where its requests lead all point the same way. Do not reply, click, call or pay.

Likely to be a scam

Yellow flag

It asks you to act: a link, a number, a reply or a payment. Where that request leads is where the harm starts.

Looks normal

Green flag

High confidence this is normal. The content reads as expected, the sender has a safe history, and anything it asks leads somewhere legitimate. Accounts can be taken over, so if a request seems out of character, check again.

Likely to be a scam

Grey flag

Nothing is asked of you yet. The content, the sender or the intent do not add up. Scams like this start friendly and ask later.

This result could not be shown. Check the message again. If it happens twice, use the Flggd app instead.

Score

Scam type

Confidence

Why Flggd says this

What this message wants you to do

Has anything happened yet?

You do not have to answer. Nothing you tap here is sent or recorded, and the verdict above stands either way.

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Nothing has happened yet

Good. Checking first is the safest thing to do. Do not tap any link, reply, or call any number in the message. Block the sender and delete the message. If it claims to be from an organisation you know, contact them using details you already trust.

Change answer

You tapped a link

Opening a link does not usually take money or details on its own. The harm comes from what you do on the page it opens. If you entered nothing and installed nothing, close the page and do not go back to it. If it asked you to sign in, enter a code, or install something, and you did, choose Gave details instead.

Change answer

You gave details

Work through this in order. First, if you gave bank or card details, call your bank now on the number on your card. Next, change the password for any account you entered, and for any other account that uses the same password. If you shared a one-time code, tell the organisation it belongs to straight away. Then turn on two-step verification where you can, and watch your statements for anything you do not recognise.

Change answer

You sent money

Call your bank now, on the number on your card or in your banking app. Say: "I have been scammed and I need to stop a payment." The sooner they hear from you, the more they may be able to stop or recover. In the UK you can call 159 to reach your bank. Do not pay anyone who offers to get the money back. That is another scam.

Report it. US: ReportFraud.ftc.gov, and ic3.gov for online crime. UK: reportfraud.police.uk or 0300 123 2040; in Scotland, Police Scotland on 101. Australia: scamwatch.gov.au. Have ready the message, the sender's number or address, and any payment details.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

No action needed. If the sender later asks for money, codes or personal details, check that message too.

Do not reply at all, not even to say wrong number. A reply tells them the number is live. Block the sender and delete the message. If a request follows, check it again.

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How this scam works

The closest match is the scam described on this page.

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