Fake Mexican SPEI CLABE 18-digit account-swap lure — "CLABE actualización / nueva CLABE interbancaria" pretext redirecting future SPEI payments to attacker account. SPEI processes ~9M daily transactions. Detection: SPEI / CLABE brand + actualización / redirect narrative. Source: Red-Team R8 multi-agent council C3 (MX payment-rail specialist); CNBV phishing advisory 2025.
mx-spei-clabe-redirect-lure
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Fake Mexican SPEI CLABE 18-digit interbank account-swap lure targeting Mexican businesses and AP staff. The phish narrative arrives in Spanish as: "Actualización de CLABE: Nuestra CLABE interbancaria ha cambiado al [18-digit CLABE]. Por favor actualice su cuenta para futuros pagos SPEI para evitar rechazo," or "BBVA México: La CLABE de su beneficiario ha sido actualizada — pagos SPEI enviados a la cuenta antigua serán rechazados a partir del [date]." The attacker provides their own 18-digit CLABE interbancaria and redirects future SPEI payments. SPEI processes ~9M daily transactions; a single swapped CLABE can redirect entire payroll flows. Detection: SPEI / CLABE interbancaria / CLABE / "transferencia electrónica/SPEI" / BBVA México / Banamex / Santander México / Banorte brand AND "actualice CLABE" / "nueva CLABE" / "CLABE ha cambiado" / "cambio de CLABE" / "nueva cuenta interbancaria" / "pagos SPEI rechazados" narrative. Source: Red-Team R8 multi-agent council C3 (MX payment-rail specialist); CNBV phishing advisory 2025; BCM fraud bulletin Q1 2026.
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 over 1,800 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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