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fraud is a big problem with credit cards and email scams and phone scams but did you know that fraud can also happen with e-transfers ive got a first-time guest whos going to tell us how to protect ourselves starting right now [Music] this is debt free in 30. heres your host doug hoyes march is fraud prevention month and its a good reminder about how fraud can happen when you share your pin to your credit card or you click on a link in an email but theres another area that fraudsters are exploiting and its through e-transfers since the pandemic started in 2020 weve all been doing a lot more electronic transactions we dont send checks to our landlord we pay by e-transfer now grandma doesnt send us cash for our birthday she sends an e-transfer were using technology more but that raises the risk of fraud if were not familiar with what were doing so how can you protect yourself ive got an expert to give her thoughts so lets get started who are you and what do you do hi doug