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Insights & Resources
The HM Cyber Blog
Plain-language guides to the scams targeting Canadians right now, and what to do about them.
All Posts
AI-Enabled Scams
For Financial Institutions
Home Network Security
Government & Authority Impersonation
Investment Scams
Parents & Kids
Recovery & Reporting
Tech Support Scams
AI-Enabled Scams
June 2026
The Typos Are Gone: How AI Changed Phishing Emails
AI has eliminated the typos and awkward phrasing that used to signal a fake email. Here's what to look for now — and the one response that protects you every time.
AI-Enabled Scams
June 2026
That Wasn't Your Grandchild Calling: How AI Voice Cloning Works
AI can clone a voice from 30 seconds of audio. Here's what the grandchild emergency scam sounds like — and the one thing that stops it cold.
For Financial Institutions
June 2026
Business Email Compromise in Plain English: How This Scam Actually Starts
Business Email Compromise costs Canadian organizations millions annually. Here's how it works, why it succeeds, and the two process changes that stop most of it.
Tech Support Scams
June 2026
That "Your Computer Is Infected" Popup Is Lying to You
The full-screen browser alert claiming your computer is infected is fake — no website can actually scan your device. Here's exactly what to do when it appears.
AI-Enabled Scams
June 2026
Why the Number on Your Screen Proves Nothing
Scammers can make any phone number appear on your caller ID — including your bank's. Here's what caller ID spoofing is and what to do when a call feels wrong.
Investment Scams
June 2026
How to Check If a Crypto or Investment Platform Is Actually Registered in Canada
Before sending money to any investment platform, you can check its registration in Canada in under two minutes. Here's exactly how to do it and what the results mean.
Government & Authority Impersonation
June 2026
The CRA Will Never Call and Threaten You — Here's What They Actually Do
The Canada Revenue Agency does not call to threaten arrest or demand gift cards. Here's what CRA actually does — and what to do if you get one of these calls.
AI-Enabled Scams
June 2026
The Officer on Your Screen Isn't Real: How Deepfake Video Calls Work
Scammers now appear on video as fake CRA agents and RCMP officers. Here's what a deepfake video call looks like — and the visual tells that give it away.
AI-Enabled Scams
June 2026
You Are Not Under Arrest: What to Know About Digital Arrest Scams
Scammers keep Canadians on video calls for hours with fake badges and arrest threats. Here's exactly how digital arrest scams work — and why you can hang up.
Parents & Kids
June 2026
Discord Nitro Phishing: What Kids See and Why They Click
Free Discord Nitro offers are one of the most common scams targeting teens. Here's what the message looks like, why it's convincing, and how to inoculate your child.
Recovery & Reporting
June 2026
The Emotional Side of Being Scammed — What to Say to Someone Who Went Through It
Being defrauded carries a real emotional toll — and the people around survivors often don't know what to say. This guide is for the people who love someone who went through it.
For Financial Institutions
June 2026
Why Your Fraud Awareness Training Isn't Working — and What Does
Annual compliance modules don't stop fraud. Here's what HR and compliance professionals at Canadian institutions need to know about training that actually changes behaviour.
Investment Scams
June 2026
The Dashboard Showing Your Profits Isn't Real — Here's How Fake Investment Platforms Work
Fake investment platforms show you growing balances that don't exist. Here's how they're built, why early withdrawals work, and how to spot the signs before it's too late.
For Financial Institutions
June 2026
The Fake Invoice Scam Targeting Canadian Businesses — and How to Stop It
Fake and redirected invoices are costing Canadian businesses millions. Here's how the scam works, how to spot it, and the one process change that stops most of it.
Government & Authority Impersonation
June 2026
Fake Utility Disconnection Threats — The Script They Use and How to Respond
A call says your electricity or gas will be cut off unless you pay immediately by gift card or e-Transfer. Real utilities don't work this way. Here's the full picture.
Recovery & Reporting
June 2026
First Steps If You Just Sent Money to a Scammer — The Next 60 Minutes Matter
If you've just sent money to a scammer, fast action can make a real difference. Here's exactly what to do in the next 60 minutes, in the right order.
Recovery & Reporting
June 2026
The Fraud Freeze — What It Is and How to Place One on Your Credit in Canada
A credit freeze can stop a fraudster from opening new accounts in your name. Here's how it works in Canada and exactly how to put one in place.
Tech Support Scams
June 2026
"Buy a Gift Card and Call Us With the Code" Is Always a Scam
No legitimate organization in Canada collects payment by gift card — not the CRA, not your bank, not the RCMP. Here's why scammers use them and what to do instead.
Government & Authority Impersonation
June 2026
The 'Grandchild in Trouble' Call — What to Do When You Get It
A caller says your grandchild has been arrested and needs bail money urgently. This scam has cost Canadians significant losses. Here's the script and the one thing to do.
Home Network Security
June 2026
How to Know If Someone Is on Your Home WiFi Who Shouldn't Be
Any device connected to your WiFi can potentially see other devices on the network. Here's how to check who's on yours — and what to do if something looks off.
Recovery & Reporting
June 2026
How to Report a Scam in Canada — And Why It Matters Even If You Didn't Lose Money
Reporting a scam — even one you caught in time — helps protect other Canadians. Here's exactly how to do it and where your report actually goes.
Parents & Kids
June 2026
The Job Offer Scam Targeting Teens Looking for Their First Job
Teens are targeted by job scams specifically because they're job-seeking and new to how employment works. Here are the three most common versions and how to spot them.
Tech Support Scams
June 2026
Microsoft, Apple, and Google Will Never Call You. Ever.
The call claiming your Windows license expired or your iCloud was compromised is a scam — full stop. Here's why these companies never call users, and what to do.
For Financial Institutions
June 2026
The Scams Hitting Canadians Right Now: A Briefing for Financial Institutions and Schools
A concise overview of the top four fraud types by Canadian loss volume in 2024, with practical framing for what financial institutions and schools can do about each.
Home Network Security
June 2026
Parental Controls That Work vs. Ones That Don't — The Honest Answer
Not all parental controls are created equal. Here's an honest look at what works, what doesn't, and the tool most families overlook entirely.
Investment Scams
June 2026
What 'Pig Butchering' Actually Means (And Why the Name Matters)
Pig butchering is a relationship-based investment scam costing Canadians millions. Here's what the term means and why it works on careful, smart people.
Parents & Kids
June 2026
What 'Public' vs. 'Private' Accounts Actually Means — And Why It Matters for Your Family
A private profile picture isn't the same as a private account. Here's what public and private really mean on Instagram, TikTok, and Snapchat — and how to decide together.
Government & Authority Impersonation
June 2026
RCMP Impersonation — Why Real Officers Don't Call Demanding Payment
A caller claims to be RCMP or border services and says there's a warrant for your arrest. Real law enforcement doesn't work this way. Here's what you need to know.
Recovery & Reporting
June 2026
Recovery Scams — Why Scammers Call Prior Targets Pretending to Get Their Money Back
After being defrauded, some people get calls from 'recovery agencies' promising to retrieve lost money — for a fee. This is a second scam. Here's how to recognise it.
Tech Support Scams
June 2026
Handing Over Your Screen Means Handing Over Your Bank Account
Remote access software lets scammers see and control your entire computer. Here's what they do once they're in — and the one rule that keeps you safe.
Parents & Kids
June 2026
The Roblox and Fortnite 'Free Items' Scam That Targets Kids Under 12
Someone is offering your child free Robux or V-Bucks. Here's exactly how the scam works, why kids fall for it, and the one sentence that protects them.
Home Network Security
June 2026
The One Router Setting Most Families Never Change
Most home routers still use the factory default admin password. Here's what that means, why it matters, and exactly how to change it today.
Parents & Kids
June 2026
What Sextortion Is — And How to Talk to Your Kid About It Before It Happens
Sextortion targets young people online through fake relationships. Here's how to open the conversation with your child before it happens — without shame or fear.
Government & Authority Impersonation
June 2026
The 'Suspended SIN' Scam — What It Sounds Like and What to Do
A caller says your Social Insurance Number has been suspended due to suspicious activity. This is a scam. Your SIN cannot be suspended by phone. Here's the full story.
Home Network Security
June 2026
Why Your Smart TV Might Be the Least Secure Device in Your House
Smart TVs run real software that gets updated far less often than your phone. Here's what that means for your home network — and what's worth doing about it.
Tech Support Scams
June 2026
What Actually Happens After You Call the Fake Tech Support Number
Tech support scams follow a predictable script. Here's every step — from the professional greeting to the gift card demand — so you can recognize it if it's happening.
Parents & Kids
June 2026
How to Talk to Your Teenager About a Strange DM Without Them Shutting Down
The way you approach the conversation matters more than the conversation itself. Here's how to ask about online life in a way that keeps the door open.
For Financial Institutions
June 2026
What to Say When a Customer Is About to Wire Money to a Scammer
A practical guide for bank tellers and branch staff on recognizing scam-motivated wire transfers and how to raise concerns without making customers feel accused.
Parents & Kids
June 2026
What to Do If Your Child Receives a Threatening Message Online
Threatening messages online are frightening for kids — and parents. Here's how to respond calmly, what to keep, and when and how to report it in Canada.
Investment Scams
June 2026
The 3-Month Friendship Before the Ask — How Investment Scams Actually Unfold
Investment scams rarely start with a pitch. They start with a friendship. Here's the timeline — week by week — so you can recognize it while it's happening.
Parents & Kids
June 2026
Three Settings to Check on Your Kid's Phone This Weekend
Three practical phone settings — location, DMs, and profile visibility — that are worth a ten-minute check. This isn't about surveillance. It's about unnecessary exposure.
Investment Scams
June 2026
When the Platform Says You Need to 'Upgrade Your Account' — What That Actually Means
If an investment platform won't release your funds without a fee or 'account upgrade,' that's not a technical requirement. That's the scam's final move. Here's what to do.
Home Network Security
June 2026
What a VPN Does — And Whether Your Family Actually Needs One
VPNs are everywhere in ads, but most families don't know what they actually do. Here's the plain-language answer — and an honest take on whether you need one.