WhatsApp caller posing as "SHO police" says son Anshul is jailed, plays an AI clone of his voice ("Save me Papa, give them the money !"), demands $10,000 bail and won't let him hang up. · Mode: With Vantaris
1 · Member app
SCU MobileVantaris
Review your payment
To
R. Sharma Legal Svcs
$10,000
wire
2 · SCU employee console
SCU Employee Console
Review queue
RajeshAuthorized scamdraft
Read aloud: OffSimple mode: OffNo-call contact: Off
Risk score70
- New recipient · recipient_status / recipient_age_days+25
- Unusual amount vs. baseline · amount_to_baseline_ratio+30
- Hard-to-reverse rail · payment_rail+15
$10,000 → R. Sharma Legal Svcs
No-blame call script: You're not in trouble, and you did the right thing by pausing. Scammers are very convincing. Can I ask who asked you to send this?
Safety question answers · Rajesh
1. Has anyone told you your money is at risk and asked you to move it?
Not answered yet
2. Is someone on the phone telling you what to do right now?
Not answered yet
3. Is this for someone you've only met online or by phone?
Not answered yet
4. Were you asked to keep this secret or give us a different reason?
Not answered yet
5. Did you hear a family member's voice asking for money urgently?
Not answered yet
No call logged
Event timeline
- Waiting for activity…
3 · Trusted contact · Additional feature
SCU Vantaris
Vikram's phone · Rajesh's brother
No messages yet. Only paused payments are shared, never balances.
Story: Rajesh, 55 (illustrative)
At risk $10,000
Today: lost $10,000
With Vantaris: $10,000 stopped
Verify: 6 min
M1001 Linda, 72
At risk $12,750
Today: lost $8,500
With Vantaris: $8,500 more stopped
Kit already stopped $4,250 cash
Verify: 11 min
M1003 Sarah
At risk $3,006
Today: lost $3,006
With Vantaris: $3,006 stopped
Verify: 2 min
M1057 Look-alike
At risk $0
Today: lost $0
With Vantaris: $0 stopped
Verify: 15 min
M1002 Michael (miss)
At risk $8,488
Today: lost $8,488
With Vantaris: $6,240 stopped
Verify: —
All personas
At risk $34,244
Today lost $29,994
$27,746
stopped with Vantaris
90-day pilot
Assumptions to confirm with SCU data
~5,000 members (mobile + online), one contact-center team, one branch; wires and Zelle over $1,000.
- Days 1–30: Shadow mode: score, don't intervene, tune thresholds
- Days 31–60: Quick check + holds on wires + verified caller
- Days 61–90: Add Zelle, Future Me, trusted contact, ATO check
- • Scam/ATO $ stopped before leaving SCU: ~20% → 50%
- • Legit payments held ≤ 0.5%
- • Any friction ≤ 2%
- • Appeal release ≤ 30 min (business hours)
- • Held-member satisfaction ≥ 4/5
- • Trusted-contact enrollment 65+: ~0% → 15%
- • Scam report to case: same day
Honest limits
- • Cash, gift cards or payments from another bank aren't visible to Vantaris.
- • A panicking member who answers No to everything can still send a mid-risk payment. Backups: trusted contact, family code word, Future Me rules.
- • Slow-growing romance scams can look normal payment by payment (Michael); the growing-payments rule is a pilot fix, not a guarantee.
- • Holds will sometimes catch legitimate payments (M1057); the appeal path keeps that to minutes, not hours.