CFE – Financial Transactions and Fraud Schemes — Question 63

Which of the following scenarios does NOT describe a card skimming or shimming scheme?

Answer options

• A. While processing a payment outside of the customer’s view, a retail employee uses a small device to scan and record the customer’s credit or debit card information.
• B. A gadget attached to an ATM is used to fraudulently scan and record customers’ credit or debit card information while a small camera records their PINs.
• C. When paying for a drink at a vending machine, a customer inserts their credit or debit card into a fraudulent device that scans and records their card information.
• D. After processing a customer’s payment, a server returns with the receipt but keeps the credit or debit card hoping that the customer does not notice.

Correct answer: B

Explanation

Option B describes a scenario involving an ATM and a camera, which is a specific type of card skimming that includes additional elements like PIN capture, making it distinct from typical skimming or shimming. The other options (A, C, and D) all involve direct interaction with devices that are designed to illegally collect card information without the customer being aware.