Fake bank wire transfer / Zelle / ACH fraud alert scam
fake-bank-wire-transfer-fraud-alert
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Email impersonating a bank (Chase, Wells Fargo, Bank of America, Citibank, etc.) with a fabricated outgoing wire transfer, ACH transfer, or Zelle payment fraud alert — creating urgency to call a scammer phone number to "block" or "reverse" the transfer. The real bank's fraud team never calls back numbers that appear in the email; the scammer harvests banking credentials or authorizes fraudulent transfers. FBI IC3 2024: bank impersonation wire fraud caused $2.9B+ in losses; the average victim loss exceeds $10,000.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits 2,143+ signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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