{"id":309096,"date":"2026-10-06T11:00:47","date_gmt":"2026-10-05T23:00:47","guid":{"rendered":"https:\/\/www.reckon.com\/au\/?p=309096"},"modified":"2026-09-28T12:13:13","modified_gmt":"2026-09-28T00:13:13","slug":"what-cyber-scams-look-like","status":"publish","type":"post","link":"https:\/\/www.reckon.com\/au\/blog\/what-cyber-scams-look-like\/","title":{"rendered":"What cyber scams actually look like: How small businesses can avoid them"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.23&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; module_class=&#8221;table-contents&#8221; _builder_version=&#8221;4.23&#8243; background_color=&#8221;#f3f2f6&#8243; custom_padding=&#8221;25px||25px||true|false&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;section&#8221; sticky_position_tablet=&#8221;top&#8221; sticky_position_phone=&#8221;none&#8221; sticky_position_last_edited=&#8221;on|desktop&#8221; border_radii=&#8221;on|24px|24px|24px|24px&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.23&#8243; text_font=&#8221;||||||||&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;on|desktop&#8221;][\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Intro&#8221; _builder_version=&#8221;4.27.8&#8243; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;||28px|||&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;26px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Scams are more sophisticated than ever. AI has raised the stakes by giving cybercriminals tools to generate logos, imitate human voices, and craft genuine-looking emails. But while the quality has improved, the basics of <a href=\"https:\/\/www.reckon.com\/au\/blog\/cybersecurity-scams\/\">how to spot a scam<\/a> haven\u2019t changed. By knowing the telltale signs of a scam, small businesses can protect themselves against AI-powered scams.<\/p>\n<h2>How AI has changed cyber scams<\/h2>\n<p>AI has helped cybercriminals refine how they trick businesses and people. Before, they would spear-phish a target by gathering information themselves and writing messages designed to trick victims into revealing private information \u2014 a strategy called \u201csocial engineering\u201d. Now? Cybercriminals can use AI to scrape a victim&#8217;s social media and create messages tailored to the target, at a larger scale and faster.<\/p>\n<h3>What AI hasn\u2019t changed<\/h3>\n<p>AI has improved the quality of scams, but the tactics are still functionally the same. Scammers tend to trick their victims in four key ways:<\/p>\n<ol>\n<li>Creating a sense of <strong>urgency<\/strong><\/li>\n<li>Using names, numbers, and links that <strong>almost look real<\/strong><\/li>\n<li>Proposing alternative <strong>payment methods<\/strong><\/li>\n<li>Locking the channel so you can only <strong>communicate one way<\/strong><\/li>\n<\/ol>\n<p>Most scams get sent en masse to hundreds, if not thousands, of potential victims, so you can foil most by taking a moment to verify details, such as calling your bank yourself or comparing website URLs. So before acting on a time-sensitive request that you received out of the blue, ask yourself, \u201cWould a legitimate person or business ever ask me these things?\u201d<\/p>\n<h2>Scam examples: Marty\u2019s Cafe<\/h2>\n<p>Marty owns a cafe and has recently been targeted by cyber scams \u2014 some against his staff, and some against him personally. Let\u2019s identify the red flags that reveal the scams.<\/p>\n<p><em><strong>Using our widget example is easy; click through each scenario and find the red flags. Cycle between examples to see the difference between each scam and the tactics that never change.<\/strong><\/em><\/p>\n<p>[\/et_pb_text][et_pb_code disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Code &#8211; Desktop&#8221; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"rkn-scam-tabs-d\" id=\"rkn-scam-tabs-d-1\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<style><!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d, .rkn-scam-tabs-d * { font-family: 'Open Sans', Arial, sans-serif; box-sizing: border-box; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d { max-width: 680px; margin: 0 auto; background: #ffffff; border: 2px solid #ded9ff; border-radius: 12px; padding: 24px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tabnav { display: flex; gap: 8px; margin-bottom: 22px; border-bottom: 2px solid #ede9ff; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tab { cursor: pointer; padding: 10px 16px; font-size: 14px; font-weight: 700; color: #5a3fff; border-radius: 8px 8px 0 0; outline: none; margin-bottom: -2px; border-bottom: 2px solid transparent; user-select: none; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tab:hover, .rkn-scam-tabs-d .rkn-st-tab:focus-visible { background: #f7f5ff; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tab:focus-visible, .rkn-scam-tabs-d .rkn-st-tell:focus-visible, .rkn-scam-tabs-d .rkn-st-reveal:focus-visible, .rkn-scam-tabs-d .rkn-st-reset:focus-visible { outline: 2px solid #5a3fff; outline-offset: 2px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tab.rkn-st-tab-active { color: #0a004a; border-bottom: 2px solid #ff5447; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-panel { display: none; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-panel.rkn-st-panel-active { display: block; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-caption { font-size: 14px; line-height: 1.6; color: #333333; margin: 0 0 16px 0; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-panel-head { display: flex; justify-content: flex-end; margin-bottom: 10px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-counter { font-size: 13px; font-weight: 700; color: #5a3fff; background: #ded9ff; padding: 6px 12px; border-radius: 20px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-count span { display: none; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-count span.rkn-st-on { display: inline; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-surface { background: #fafafa; border: 1px solid #e5e5e5; border-radius: 8px; padding: 20px 22px; font-size: 14px; line-height: 1.7; color: #222222; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-meta { font-size: 13px; color: #555555; margin-bottom: 4px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-meta span { color: #0a004a; font-weight: 700; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-divider { border: none; border-top: 1px solid #e5e5e5; margin: 12px 0 16px 0; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-surface { background: #e5ddd5; border: 1px solid #e5e5e5; border-radius: 8px; overflow: hidden; padding: 0; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-header { background: #075e54; color: #ffffff; padding: 12px 16px; display: flex; align-items: center; gap: 10px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-avatar { width: 34px; height: 34px; border-radius: 50%; background: #ffffff; opacity: 0.85; flex-shrink: 0; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-info { display: flex; flex-direction: column; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-number { font-size: 14px; font-weight: 700; color: #ffffff !important; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-sub { font-size: 11px; color: #d9ece9; margin-top: 1px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-body { padding: 18px 16px 20px 16px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-bubble { background: #ffffff; border-radius: 8px; border-top-left-radius: 2px; padding: 10px 12px 8px 12px; font-size: 14px; line-height: 1.6; color: #222222; max-width: 440px; box-shadow: 0 1px 1px rgba(0,0,0,0.08); }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-time { display: block; text-align: right; font-size: 11px; color: #8f8f8f; margin-top: 4px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tell { cursor: pointer; border-bottom: 2px dashed #b9b3e8; transition: background 0.15s ease; outline: none; border-radius: 3px; padding: 0 1px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tell:hover, .rkn-scam-tabs-d .rkn-st-tell:focus-visible { background: #f0eeff; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tell.rkn-st-found { background: #ffe6e4; border-bottom: 2px solid #ff5447; cursor: default; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-number.rkn-st-tell { border-bottom: 2px dashed rgba(255,255,255,0.6); }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-number.rkn-st-tell:hover, .rkn-scam-tabs-d .rkn-st-wa-number.rkn-st-tell:focus-visible { background: rgba(255,255,255,0.15); }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-wa-number.rkn-st-found { background: #ffe6e4; border-bottom: 2px solid #ff5447; color: #0a004a !important; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tag { display: none; margin-top: 10px; background: #ffe6e4; border-left: 4px solid #ff5447; color: #0a004a !important; font-size: 12px; font-weight: 700; padding: 8px 12px; border-radius: 6px; max-width: 380px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tag.rkn-st-tag-show { display: block; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tag .rkn-st-cat { color: #ff5447 !important; text-transform: uppercase; font-size: 11px; letter-spacing: 0.03em; display: block; margin-bottom: 2px; font-weight: 700; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-tag .rkn-st-body { color: #0a004a !important; font-weight: 400; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-footer { margin-top: 22px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-footer > div:last-child { display: flex; align-items: center; gap: 8px; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-hint { font-size: 13px; color: #555555; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-reveal { background: #ffffff; border: 2px solid #5a3fff; color: #5a3fff; font-weight: 700; font-size: 13px; padding: 10px 18px; border-radius: 24px; cursor: pointer; outline: none; user-select: none; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-reveal:hover, .rkn-scam-tabs-d .rkn-st-reveal:focus-visible { background: #5a3fff; color: #ffffff; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-reveal.rkn-st-disabled { opacity: 0.4; cursor: default; background: #ffffff; color: #5a3fff; pointer-events: none; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-reveal-label { display: none; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-reveal-label.rkn-st-on { display: inline; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-reset { background: none; border: none; color: #555555; font-size: 13px; font-weight: 700; text-decoration: underline; cursor: pointer; padding: 10px 4px; outline: none; user-select: none; display: inline-block; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-reset:hover, .rkn-scam-tabs-d .rkn-st-reset:focus-visible { color: #0a004a; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-complete { display: none; margin-top: 16px; background: #ded9ff; border-radius: 8px; padding: 14px 16px; font-size: 13px; color: #0a004a; font-weight: 700; }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-d .rkn-st-complete.rkn-st-complete-show { display: block; }<!-- [et_pb_line_break_holder] -->  <\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"rkn-st-tabnav\" role=\"tablist\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-tab rkn-st-tab-active\" data-panel=\"invoice\" role=\"tab\" tabindex=\"0\" aria-selected=\"true\">Invoice<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-tab\" data-panel=\"ato\" role=\"tab\" tabindex=\"0\" aria-selected=\"false\">ATO text<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-tab\" data-panel=\"boss\" role=\"tab\" tabindex=\"0\" aria-selected=\"false\">Boss message<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"rkn-st-panel rkn-st-panel-active\" data-panel-id=\"invoice\" role=\"tabpanel\"><!-- [et_pb_line_break_holder] -->    <pee class=\"rkn-st-caption\">Marty&#8217;s coffee supplier emails asking him to update their payment details before his next order is due.<\/pee><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-panel-head\">\n<div class=\"rkn-st-counter\"><span class=\"rkn-st-count\"><span data-count-n=\"0\" class=\"rkn-st-on\">0<\/span><span data-count-n=\"1\">1<\/span><span data-count-n=\"2\">2<\/span><span data-count-n=\"3\">3<\/span><span data-count-n=\"4\">4<\/span><span data-count-n=\"5\">5<\/span><\/span> of 5 found<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-surface\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"rkn-st-meta\">From: Wholesale Beans Co <<span class=\"rkn-st-tell\" data-tell=\"1\" tabindex=\"0\" role=\"button\" aria-label=\"Check this email address\">accounts@wholesalebeans.co<\/span>><span class=\"rkn-st-tag\" data-tag-for=\"1\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">Close, but not quite<\/span><span class=\"rkn-st-body\">The domain is .co, not the supplier&#8217;s real .com.au. One character is enough to redirect this to someone else entirely.<\/span><\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"rkn-st-meta\">Subject: <span class=\"rkn-st-tell\" data-tell=\"2\" tabindex=\"0\" role=\"button\" aria-label=\"Check this subject line\">Urgent: Updated Bank Details, Please Action Before Friday&#8217;s Order<\/span><span class=\"rkn-st-tag\" data-tag-for=\"2\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">The Rush<\/span><span class=\"rkn-st-body\">Urgent, before Friday&#8217;s order. Manufactured deadlines push you to act before you&#8217;d normally stop and check.<\/span><\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<hr class=\"rkn-st-divider\"><!-- [et_pb_line_break_holder] -->      <pee>Hi Marty, just a heads up, we&#8217;ve updated our banking details. Please use the new account below for your next payment, <span class=\"rkn-st-tell\" data-tell=\"3\" tabindex=\"0\" role=\"button\" aria-label=\"Check this deadline\">due this Friday. We&#8217;re finalising this ahead of your next order, so please update as soon as possible to avoid delay.<\/span><span class=\"rkn-st-tag\" data-tag-for=\"3\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">The Rush<\/span><span class=\"rkn-st-body\">As soon as possible to avoid delay. Same pressure, said twice.<\/span><\/span><\/pee><!-- [et_pb_line_break_holder] -->      <pee>New BSB: 063-000<!\u2013- [et_pb_br_holder] -\u2013>New Account: 1122 3344<\/pee><!-- [et_pb_line_break_holder] -->      <pee><span class=\"rkn-st-tell\" data-tell=\"4\" tabindex=\"0\" role=\"button\" aria-label=\"Check how they want you to respond\">Let us know once it&#8217;s updated, no need to call, just reply to this email.<\/span><span class=\"rkn-st-tag\" data-tag-for=\"4\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">One-way comms<\/span><span class=\"rkn-st-body\">No need to call, just reply. A real bank change is exactly the kind of thing worth a phone call, not less.<\/span><\/span><\/pee><!-- [et_pb_line_break_holder] -->      <pee>Sarah, Accounts Team<!\u2013- [et_pb_br_holder] -\u2013><span style=\"font-size:12px;color:#888888;\">Reply-to: <span class=\"rkn-st-tell\" data-tell=\"5\" tabindex=\"0\" role=\"button\" aria-label=\"Check the reply-to address\">s.accounts@wbc-payments.co<\/span><\/span><span class=\"rkn-st-tag\" data-tag-for=\"5\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">Close, but not quite<\/span><span class=\"rkn-st-body\">The reply-to address doesn&#8217;t match the sender at all. Whoever replies is talking to someone else.<\/span><\/span><\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-footer\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"rkn-st-hint\">Click anything in the email that looks off.<\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"rkn-st-reset\" role=\"button\" tabindex=\"0\">Reset<\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"rkn-st-reveal\" role=\"button\" tabindex=\"0\"><span class=\"rkn-st-reveal-label rkn-st-on\" data-reveal-label=\"more\">Reveal what&#8217;s left<\/span><span class=\"rkn-st-reveal-label\" data-reveal-label=\"done\" aria-hidden=\"true\">All found<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"rkn-st-complete\" aria-hidden=\"true\">That&#8217;s all five. This is what a payment redirection scam looks like end to end.<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"rkn-st-panel\" data-panel-id=\"ato\" role=\"tabpanel\" aria-hidden=\"true\"><!-- [et_pb_line_break_holder] -->    <pee class=\"rkn-st-caption\">Since July 2026, any business or government agency sending SMS under a branded name has had to register that sender ID with the ACMA. An unregistered sender now shows as &#8220;Unverified&#8221; instead of a name, which makes this one of the easiest tells to catch once you know to check for it.<\/pee><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-panel-head\">\n<div class=\"rkn-st-counter\"><span class=\"rkn-st-count\"><span data-count-n=\"0\" class=\"rkn-st-on\">0<\/span><span data-count-n=\"1\">1<\/span><span data-count-n=\"2\">2<\/span><span data-count-n=\"3\">3<\/span><span data-count-n=\"4\">4<\/span><span data-count-n=\"5\">5<\/span><\/span> of 5 found<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-surface\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"rkn-st-meta\">From: <span class=\"rkn-st-tell\" data-tell=\"1\" tabindex=\"0\" role=\"button\" aria-label=\"Check this sender\">Unverified<\/span><span class=\"rkn-st-tag\" data-tag-for=\"1\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">Close, but not quite<\/span><span class=\"rkn-st-body\">It shows as Unverified, not ATO. Since July 2026, any business or government sender has to register its SMS sender ID, or it can&#8217;t display as their name at all.<\/span><\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<hr class=\"rkn-st-divider\"><!-- [et_pb_line_break_holder] -->      <pee>A refund of $874.60 is ready for processing. <span class=\"rkn-st-tell\" data-tell=\"2\" tabindex=\"0\" role=\"button\" aria-label=\"Check this timeframe\">Confirm your details within 24hrs<\/span><span class=\"rkn-st-tag\" data-tag-for=\"2\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">The Rush<\/span><span class=\"rkn-st-body\">24 hours to confirm details. Manufactured urgency to stop you pausing to check.<\/span><\/span> to receive payment: <span class=\"rkn-st-tell\" data-tell=\"4\" tabindex=\"0\" role=\"button\" aria-label=\"Check this link\">bit.ly\/ato-refund2026<\/span><span class=\"rkn-st-tag\" data-tag-for=\"4\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">One-way comms<\/span><span class=\"rkn-st-body\">A shortened link. It hides where you&#8217;re actually being sent, and the ATO doesn&#8217;t put links in unsolicited texts at all.<\/span><\/span>. <span class=\"rkn-st-tell\" data-tell=\"3\" tabindex=\"0\" role=\"button\" aria-label=\"Check this warning\">Failure to respond will cancel your refund.<\/span><span class=\"rkn-st-tag\" data-tag-for=\"3\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">The Rush<\/span><span class=\"rkn-st-body\">Failure to respond will cancel your refund. Same pressure, said a second way.<\/span><\/span> <span class=\"rkn-st-tell\" data-tell=\"5\" tabindex=\"0\" role=\"button\" aria-label=\"Check this fee\">A small verification fee of $2.99 applies.<\/span><span class=\"rkn-st-tag\" data-tag-for=\"5\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">Payment up front<\/span><span class=\"rkn-st-body\">A fee to receive your own refund. Legitimate refunds are never conditional on paying something first.<\/span><\/span><\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-footer\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"rkn-st-hint\">Click anything in the text that looks off.<\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"rkn-st-reset\" role=\"button\" tabindex=\"0\">Reset<\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"rkn-st-reveal\" role=\"button\" tabindex=\"0\"><span class=\"rkn-st-reveal-label rkn-st-on\" data-reveal-label=\"more\">Reveal what&#8217;s left<\/span><span class=\"rkn-st-reveal-label\" data-reveal-label=\"done\" aria-hidden=\"true\">All found<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"rkn-st-complete\" aria-hidden=\"true\">That&#8217;s all five. This is what an ATO impersonation scam looks like end to end.<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"rkn-st-panel\" data-panel-id=\"boss\" role=\"tabpanel\" aria-hidden=\"true\"><!-- [et_pb_line_break_holder] -->    <pee class=\"rkn-st-caption\">This one doesn&#8217;t land with Marty. It lands with his staff, and asks them to act fast before anyone thinks to check.<\/pee><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-panel-head\">\n<div class=\"rkn-st-counter\"><span class=\"rkn-st-count\"><span data-count-n=\"0\" class=\"rkn-st-on\">0<\/span><span data-count-n=\"1\">1<\/span><span data-count-n=\"2\">2<\/span><span data-count-n=\"3\">3<\/span><span data-count-n=\"4\">4<\/span><span data-count-n=\"5\">5<\/span><\/span> of 5 found<\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-wa-surface\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"rkn-st-wa-header\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"rkn-st-wa-avatar\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"rkn-st-wa-info\"><span class=\"rkn-st-tell rkn-st-wa-number\" data-tell=\"1\" tabindex=\"0\" role=\"button\" aria-label=\"Check this contact\">+61 412 908 663<\/span><span class=\"rkn-st-wa-sub\">tap for contact info<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"rkn-st-wa-body\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"rkn-st-bubble\">Hey it&#8217;s Marty, back to back with suppliers all arvo. Can you sort some <span class=\"rkn-st-tell\" data-tell=\"4\" tabindex=\"0\" role=\"button\" aria-label=\"Check this request\">Apple gift cards for the team, $150 total<\/span><span class=\"rkn-st-tag\" data-tag-for=\"4\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">Payment up front<\/span><span class=\"rkn-st-body\">Gift cards. Almost no legitimate business expense gets paid this way, and the codes are as good as cash once sent.<\/span><\/span>, <span class=\"rkn-st-tell\" data-tell=\"2\" tabindex=\"0\" role=\"button\" aria-label=\"Check this timing\">today please<\/span><span class=\"rkn-st-tag\" data-tag-for=\"2\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">The Rush<\/span><span class=\"rkn-st-body\">Today please. Small, casual, and still designed to stop you sitting on it.<\/span><\/span>? It&#8217;s <span class=\"rkn-st-tell\" data-tell=\"3\" tabindex=\"0\" role=\"button\" aria-label=\"Check this urgency\">a bit time sensitive so the sooner you can grab them, the better<\/span><span class=\"rkn-st-tag\" data-tag-for=\"3\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">The Rush<\/span><span class=\"rkn-st-body\">Time sensitive, but no actual deadline. Vague enough that there&#8217;s nothing concrete to question, just a feeling of needing to move.<\/span><\/span>. Just send me the codes when you&#8217;ve got them, <span class=\"rkn-st-tell\" data-tell=\"5\" tabindex=\"0\" role=\"button\" aria-label=\"Check this excuse\">I&#8217;ll explain properly once I&#8217;m out of these calls<\/span><span class=\"rkn-st-tag\" data-tag-for=\"5\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">One-way comms<\/span><span class=\"rkn-st-body\">I&#8217;ll explain properly once I&#8217;m out of these calls. A reason not to ask questions right now, without sounding like one.<\/span><\/span>. <span class=\"rkn-st-tag\" data-tag-for=\"1\" aria-hidden=\"true\"><span class=\"rkn-st-cat\">Close, but not quite<\/span><span class=\"rkn-st-body\">WhatsApp shows the raw number, not a name, because it isn&#8217;t saved. It&#8217;s easy to skim past if you&#8217;re not looking.<\/span><\/span><span class=\"rkn-st-wa-time\">11:42 am<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"rkn-st-footer\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"rkn-st-hint\">Click anything in the message that looks off.<\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"rkn-st-reset\" role=\"button\" tabindex=\"0\">Reset<\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"rkn-st-reveal\" role=\"button\" tabindex=\"0\"><span class=\"rkn-st-reveal-label rkn-st-on\" data-reveal-label=\"more\">Reveal what&#8217;s left<\/span><span class=\"rkn-st-reveal-label\" data-reveal-label=\"done\" aria-hidden=\"true\">All found<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"rkn-st-complete\" aria-hidden=\"true\">That&#8217;s all five. This is what CEO fraud looks like end to end.<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->(function() {<!-- [et_pb_line_break_holder] -->  'use strict';<!-- [et_pb_line_break_holder] -->  var ROOT_ID = 'rkn-scam-tabs-d-1';<!-- [et_pb_line_break_holder] -->  var attempts = 0;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function init() {<!-- [et_pb_line_break_holder] -->    var root = document.getElementById(ROOT_ID);<!-- [et_pb_line_break_holder] -->    if (!root) { if (attempts++ < 50) { setTimeout(init, 100); } return; }<!-- [et_pb_line_break_holder] -->    if (root.getAttribute('data-rkn-init') === 'true') { return; }<!-- [et_pb_line_break_holder] -->    root.setAttribute('data-rkn-init', 'true');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    var panelEls = root.querySelectorAll('.rkn-st-panel');<!-- [et_pb_line_break_holder] -->    var tabEls = root.querySelectorAll('.rkn-st-tab');<!-- [et_pb_line_break_holder] -->    var controllers = {};<!-- [et_pb_line_break_holder] -->    var activePanelId = 'invoice';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function initPanel(panelEl) {<!-- [et_pb_line_break_holder] -->      var found = {};<!-- [et_pb_line_break_holder] -->      var counts = panelEl.querySelectorAll('[data-count-n]');<!-- [et_pb_line_break_holder] -->      var revealBtn = panelEl.querySelector('.rkn-st-reveal');<!-- [et_pb_line_break_holder] -->      var labels = panelEl.querySelectorAll('[data-reveal-label]');<!-- [et_pb_line_break_holder] -->      var tellEls = panelEl.querySelectorAll('.rkn-st-tell');<!-- [et_pb_line_break_holder] -->      var complete = panelEl.querySelector('.rkn-st-complete');<!-- [et_pb_line_break_holder] -->      var TOTAL = tellEls.length;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      function setLabel(key) {<!-- [et_pb_line_break_holder] -->        for (var i = 0; i < labels.length; i++) {<!-- [et_pb_line_break_holder] -->          var on = labels[i].getAttribute('data-reveal-label') === key;<!-- [et_pb_line_break_holder] -->          labels[i].classList.toggle('rkn-st-on', on);<!-- [et_pb_line_break_holder] -->          labels[i].setAttribute('aria-hidden', on ? 'false' : 'true');<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      function updateCounter() {<!-- [et_pb_line_break_holder] -->        var n = String(Object.keys(found).length);<!-- [et_pb_line_break_holder] -->        for (var i = 0; i < counts.length; i++) {<!-- [et_pb_line_break_holder] -->          counts[i].classList.toggle('rkn-st-on', counts[i].getAttribute('data-count-n') === n);<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        if (Object.keys(found).length === TOTAL) {<!-- [et_pb_line_break_holder] -->          revealBtn.classList.add('rkn-st-disabled');<!-- [et_pb_line_break_holder] -->          revealBtn.setAttribute('aria-disabled', 'true');<!-- [et_pb_line_break_holder] -->          setLabel('done');<!-- [et_pb_line_break_holder] -->          complete.classList.add('rkn-st-complete-show');<!-- [et_pb_line_break_holder] -->          complete.setAttribute('aria-hidden', 'false');<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      function markFound(el) {<!-- [et_pb_line_break_holder] -->        var id = el.getAttribute('data-tell');<!-- [et_pb_line_break_holder] -->        if (found[id]) { return; }<!-- [et_pb_line_break_holder] -->        found[id] = true;<!-- [et_pb_line_break_holder] -->        el.classList.add('rkn-st-found');<!-- [et_pb_line_break_holder] -->        var tag = panelEl.querySelector('.rkn-st-tag[data-tag-for=\"' + id + '\"]');<!-- [et_pb_line_break_holder] -->        if (tag) { tag.classList.add('rkn-st-tag-show'); tag.setAttribute('aria-hidden', 'false'); }<!-- [et_pb_line_break_holder] -->        updateCounter();<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      function revealAll() {<!-- [et_pb_line_break_holder] -->        for (var i = 0; i < tellEls.length; i++) { markFound(tellEls[i]); }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      function resetPanel() {<!-- [et_pb_line_break_holder] -->        found = {};<!-- [et_pb_line_break_holder] -->        var i;<!-- [et_pb_line_break_holder] -->        for (i = 0; i < tellEls.length; i++) { tellEls[i].classList.remove('rkn-st-found'); }<!-- [et_pb_line_break_holder] -->        var tags = panelEl.querySelectorAll('.rkn-st-tag');<!-- [et_pb_line_break_holder] -->        for (i = 0; i < tags.length; i++) { tags[i].classList.remove('rkn-st-tag-show'); tags[i].setAttribute('aria-hidden', 'true'); }<!-- [et_pb_line_break_holder] -->        revealBtn.classList.remove('rkn-st-disabled');<!-- [et_pb_line_break_holder] -->        revealBtn.setAttribute('aria-disabled', 'false');<!-- [et_pb_line_break_holder] -->        setLabel('more');<!-- [et_pb_line_break_holder] -->        complete.classList.remove('rkn-st-complete-show');<!-- [et_pb_line_break_holder] -->        complete.setAttribute('aria-hidden', 'true');<!-- [et_pb_line_break_holder] -->        updateCounter();<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      updateCounter();<!-- [et_pb_line_break_holder] -->      return { reset: resetPanel, revealAll: revealAll, markFound: markFound };<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    for (var p = 0; p < panelEls.length; p++) {<!-- [et_pb_line_break_holder] -->      controllers[panelEls[p].getAttribute('data-panel-id')] = initPanel(panelEls[p]);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function switchTo(panelId) {<!-- [et_pb_line_break_holder] -->      if (panelId === activePanelId) { return; }<!-- [et_pb_line_break_holder] -->      if (controllers[activePanelId]) { controllers[activePanelId].reset(); }<!-- [et_pb_line_break_holder] -->      var i;<!-- [et_pb_line_break_holder] -->      for (i = 0; i < panelEls.length; i++) {<!-- [et_pb_line_break_holder] -->        var on = panelEls[i].getAttribute('data-panel-id') === panelId;<!-- [et_pb_line_break_holder] -->        panelEls[i].classList.toggle('rkn-st-panel-active', on);<!-- [et_pb_line_break_holder] -->        panelEls[i].setAttribute('aria-hidden', on ? 'false' : 'true');<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      for (i = 0; i < tabEls.length; i++) {<!-- [et_pb_line_break_holder] -->        var sel = tabEls[i].getAttribute('data-panel') === panelId;<!-- [et_pb_line_break_holder] -->        tabEls[i].classList.toggle('rkn-st-tab-active', sel);<!-- [et_pb_line_break_holder] -->        tabEls[i].setAttribute('aria-selected', sel ? 'true' : 'false');<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      activePanelId = panelId;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function findUp(el, sel) {<!-- [et_pb_line_break_holder] -->      while (el && el !== root) { if (el.matches && el.matches(sel)) { return el; } el = el.parentNode; }<!-- [et_pb_line_break_holder] -->      return null;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function activate(target) {<!-- [et_pb_line_break_holder] -->      var tab = findUp(target, '.rkn-st-tab');<!-- [et_pb_line_break_holder] -->      if (tab) { switchTo(tab.getAttribute('data-panel')); return; }<!-- [et_pb_line_break_holder] -->      var panel = findUp(target, '.rkn-st-panel');<!-- [et_pb_line_break_holder] -->      if (!panel) { return; }<!-- [et_pb_line_break_holder] -->      var ctrl = controllers[panel.getAttribute('data-panel-id')];<!-- [et_pb_line_break_holder] -->      if (!ctrl) { return; }<!-- [et_pb_line_break_holder] -->      if (findUp(target, '.rkn-st-reset')) { ctrl.reset(); return; }<!-- [et_pb_line_break_holder] -->      if (findUp(target, '.rkn-st-reveal')) { ctrl.revealAll(); return; }<!-- [et_pb_line_break_holder] -->      var tell = findUp(target, '.rkn-st-tell');<!-- [et_pb_line_break_holder] -->      if (tell) { ctrl.markFound(tell); }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    root.addEventListener('click', function(e) { e.stopPropagation(); activate(e.target); });<!-- [et_pb_line_break_holder] -->    root.addEventListener('keydown', function(e) {<!-- [et_pb_line_break_holder] -->      var isEnter = e.key === 'Enter' || e.keyCode === 13;<!-- [et_pb_line_break_holder] -->      var isSpace = e.key === ' ' || e.key === 'Spacebar' || e.keyCode === 32;<!-- [et_pb_line_break_holder] -->  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[et_pb_line_break_holder] --><head><!-- [et_pb_line_break_holder] --><meta charset=\"UTF-8\"><!-- [et_pb_line_break_holder] --><title>Reckon Scam Widget Preview &#8211; Combined Tabs (Desktop)<\/title><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->  body {<!-- [et_pb_line_break_holder] -->    font-family: 'Open Sans', Arial, sans-serif;<!-- [et_pb_line_break_holder] -->    background: #f4f4f6;<!-- [et_pb_line_break_holder] -->    padding: 16px;<!-- [et_pb_line_break_holder] -->    margin: 0;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m * {<!-- [et_pb_line_break_holder] -->    font-family: 'Open Sans', Arial, sans-serif;<!-- [et_pb_line_break_holder] -->    box-sizing: border-box;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m {<!-- [et_pb_line_break_holder] -->    max-width: 400px;<!-- [et_pb_line_break_holder] -->    margin: 0 auto;<!-- [et_pb_line_break_holder] -->    background: #ffffff;<!-- [et_pb_line_break_holder] -->    border: 2px solid #ded9ff;<!-- [et_pb_line_break_holder] -->    border-radius: 12px;<!-- [et_pb_line_break_holder] -->    padding: 18px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/* Tab nav *\/<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tabnav {<!-- [et_pb_line_break_holder] -->    display: flex;<!-- [et_pb_line_break_holder] -->    gap: 4px;<!-- [et_pb_line_break_holder] -->    margin-bottom: 18px;<!-- [et_pb_line_break_holder] -->    border-bottom: 2px solid #ede9ff;<!-- [et_pb_line_break_holder] -->    overflow-x: auto;<!-- [et_pb_line_break_holder] -->    -webkit-overflow-scrolling: touch;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tab {<!-- [et_pb_line_break_holder] -->    cursor: pointer;<!-- [et_pb_line_break_holder] -->    padding: 10px 10px;<!-- [et_pb_line_break_holder] -->    font-size: 12.5px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    color: #5a3fff;<!-- [et_pb_line_break_holder] -->    border-radius: 8px 8px 0 0;<!-- [et_pb_line_break_holder] -->    outline: none;<!-- [et_pb_line_break_holder] -->    margin-bottom: -2px;<!-- [et_pb_line_break_holder] -->    border-bottom: 2px solid transparent;<!-- [et_pb_line_break_holder] -->    flex: 1 1 0;<!-- [et_pb_line_break_holder] -->    text-align: center;<!-- [et_pb_line_break_holder] -->    white-space: nowrap;<!-- [et_pb_line_break_holder] -->    min-width: 0;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tab:hover,<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tab:focus {<!-- [et_pb_line_break_holder] -->    background: #f7f5ff;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tab.rkn-st-tab-active {<!-- [et_pb_line_break_holder] -->    color: #0a004a;<!-- [et_pb_line_break_holder] -->    border-bottom: 2px solid #ff5447;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/* Panels *\/<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-panel {<!-- [et_pb_line_break_holder] -->    display: none;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-panel.rkn-st-panel-active {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-caption {<!-- [et_pb_line_break_holder] -->    font-size: 14px;<!-- [et_pb_line_break_holder] -->    line-height: 1.6;<!-- [et_pb_line_break_holder] -->    color: #333333;<!-- [et_pb_line_break_holder] -->    margin: 0 0 16px 0;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-panel-head {<!-- [et_pb_line_break_holder] -->    display: flex;<!-- [et_pb_line_break_holder] -->    justify-content: flex-end;<!-- [et_pb_line_break_holder] -->    margin-bottom: 10px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-counter {<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    color: #5a3fff;<!-- [et_pb_line_break_holder] -->    background: #ded9ff;<!-- [et_pb_line_break_holder] -->    padding: 6px 12px;<!-- [et_pb_line_break_holder] -->    border-radius: 20px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/* Message surfaces (shared) *\/<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-surface {<!-- [et_pb_line_break_holder] -->    background: #fafafa;<!-- [et_pb_line_break_holder] -->    border: 1px solid #e5e5e5;<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    padding: 20px 22px;<!-- [et_pb_line_break_holder] -->    font-size: 14px;<!-- [et_pb_line_break_holder] -->    line-height: 1.7;<!-- [et_pb_line_break_holder] -->    color: #222222;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-meta {<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    color: #555555;<!-- [et_pb_line_break_holder] -->    margin-bottom: 4px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-meta span {<!-- [et_pb_line_break_holder] -->    color: #0a004a;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-divider {<!-- [et_pb_line_break_holder] -->    border: none;<!-- [et_pb_line_break_holder] -->    border-top: 1px solid #e5e5e5;<!-- [et_pb_line_break_holder] -->    margin: 12px 0 16px 0;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/* WhatsApp-style surface for boss panel *\/<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-surface {<!-- [et_pb_line_break_holder] -->    background: #e5ddd5;<!-- [et_pb_line_break_holder] -->    border: 1px solid #e5e5e5;<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    overflow: hidden;<!-- [et_pb_line_break_holder] -->    padding: 0;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-header {<!-- [et_pb_line_break_holder] -->    background: #075e54;<!-- [et_pb_line_break_holder] -->    color: #ffffff;<!-- [et_pb_line_break_holder] -->    padding: 12px 16px;<!-- [et_pb_line_break_holder] -->    display: flex;<!-- [et_pb_line_break_holder] -->    align-items: center;<!-- [et_pb_line_break_holder] -->    gap: 10px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-avatar {<!-- [et_pb_line_break_holder] -->    width: 34px;<!-- [et_pb_line_break_holder] -->    height: 34px;<!-- [et_pb_line_break_holder] -->    border-radius: 50%;<!-- [et_pb_line_break_holder] -->    background: #ffffff;<!-- [et_pb_line_break_holder] -->    opacity: 0.85;<!-- [et_pb_line_break_holder] -->    flex-shrink: 0;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-info {<!-- [et_pb_line_break_holder] -->    display: flex;<!-- [et_pb_line_break_holder] -->    flex-direction: column;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-number {<!-- [et_pb_line_break_holder] -->    font-size: 14px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    color: #ffffff !important;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-sub {<!-- [et_pb_line_break_holder] -->    font-size: 11px;<!-- [et_pb_line_break_holder] -->    color: #d9ece9;<!-- [et_pb_line_break_holder] -->    margin-top: 1px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-body {<!-- [et_pb_line_break_holder] -->    padding: 18px 16px 20px 16px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-bubble {<!-- [et_pb_line_break_holder] -->    background: #ffffff;<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    border-top-left-radius: 2px;<!-- [et_pb_line_break_holder] -->    padding: 10px 12px 8px 12px;<!-- [et_pb_line_break_holder] -->    font-size: 14px;<!-- [et_pb_line_break_holder] -->    line-height: 1.6;<!-- [et_pb_line_break_holder] -->    color: #222222;<!-- [et_pb_line_break_holder] -->    max-width: 100%;<!-- [et_pb_line_break_holder] -->    box-shadow: 0 1px 1px rgba(0,0,0,0.08);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-time {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    text-align: right;<!-- [et_pb_line_break_holder] -->    font-size: 11px;<!-- [et_pb_line_break_holder] -->    color: #8f8f8f;<!-- [et_pb_line_break_holder] -->    margin-top: 4px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/* Tells (shared) *\/<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tell {<!-- [et_pb_line_break_holder] -->    cursor: pointer;<!-- [et_pb_line_break_holder] -->    border-bottom: 2px dashed #b9b3e8;<!-- [et_pb_line_break_holder] -->    transition: background 0.15s ease;<!-- [et_pb_line_break_holder] -->    outline: none;<!-- [et_pb_line_break_holder] -->    border-radius: 3px;<!-- [et_pb_line_break_holder] -->    padding: 3px 3px;<!-- [et_pb_line_break_holder] -->    display: inline-block;<!-- [et_pb_line_break_holder] -->    line-height: 1.5;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tell:hover,<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tell:focus {<!-- [et_pb_line_break_holder] -->    background: #f0eeff;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tell.rkn-st-found {<!-- [et_pb_line_break_holder] -->    background: #ffe6e4;<!-- [et_pb_line_break_holder] -->    border-bottom: 2px solid #ff5447;<!-- [et_pb_line_break_holder] -->    cursor: default;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-number.rkn-st-tell {<!-- [et_pb_line_break_holder] -->    border-bottom: 2px dashed rgba(255,255,255,0.6);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-number.rkn-st-tell:hover,<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-number.rkn-st-tell:focus {<!-- [et_pb_line_break_holder] -->    background: rgba(255,255,255,0.15);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-wa-number.rkn-st-found {<!-- [et_pb_line_break_holder] -->    background: #ffe6e4;<!-- [et_pb_line_break_holder] -->    border-bottom: 2px solid #ff5447;<!-- [et_pb_line_break_holder] -->    color: #0a004a !important;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/* Callout tags (shared) *\/<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tag {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    margin-top: 10px;<!-- [et_pb_line_break_holder] -->    background: #ffe6e4;<!-- [et_pb_line_break_holder] -->    border-left: 4px solid #ff5447;<!-- [et_pb_line_break_holder] -->    color: #0a004a !important;<!-- [et_pb_line_break_holder] -->    font-size: 12px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    padding: 8px 12px;<!-- [et_pb_line_break_holder] -->    border-radius: 6px;<!-- [et_pb_line_break_holder] -->    max-width: 380px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tag .rkn-st-cat {<!-- [et_pb_line_break_holder] -->    color: #ff5447 !important;<!-- [et_pb_line_break_holder] -->    text-transform: uppercase;<!-- [et_pb_line_break_holder] -->    font-size: 11px;<!-- [et_pb_line_break_holder] -->    letter-spacing: 0.03em;<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    margin-bottom: 2px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-tag .rkn-st-body {<!-- [et_pb_line_break_holder] -->    color: #0a004a !important;<!-- [et_pb_line_break_holder] -->    font-weight: 400;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  \/* Footer (shared) *\/<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-footer {<!-- [et_pb_line_break_holder] -->    margin-top: 22px;<!-- [et_pb_line_break_holder] -->    display: flex;<!-- [et_pb_line_break_holder] -->    flex-direction: column;<!-- [et_pb_line_break_holder] -->    gap: 12px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-hint {<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    color: #555555;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-reveal {<!-- [et_pb_line_break_holder] -->    background: #ffffff;<!-- [et_pb_line_break_holder] -->    border: 2px solid #5a3fff;<!-- [et_pb_line_break_holder] -->    color: #5a3fff;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    font-size: 14px;<!-- [et_pb_line_break_holder] -->    padding: 13px 18px;<!-- [et_pb_line_break_holder] -->    border-radius: 24px;<!-- [et_pb_line_break_holder] -->    cursor: pointer;<!-- [et_pb_line_break_holder] -->    outline: none;<!-- [et_pb_line_break_holder] -->    width: 100%;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-reveal:hover,<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-reveal:focus {<!-- [et_pb_line_break_holder] -->    background: #5a3fff;<!-- [et_pb_line_break_holder] -->    color: #ffffff;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-reveal:disabled {<!-- [et_pb_line_break_holder] -->    opacity: 0.4;<!-- [et_pb_line_break_holder] -->    cursor: default;<!-- [et_pb_line_break_holder] -->    background: #ffffff;<!-- [et_pb_line_break_holder] -->    color: #5a3fff;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-reset {<!-- [et_pb_line_break_holder] -->    background: none;<!-- [et_pb_line_break_holder] -->    border: none;<!-- [et_pb_line_break_holder] -->    color: #555555;<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    text-decoration: underline;<!-- [et_pb_line_break_holder] -->    cursor: pointer;<!-- [et_pb_line_break_holder] -->    padding: 8px 4px;<!-- [et_pb_line_break_holder] -->    outline: none;<!-- [et_pb_line_break_holder] -->    align-self: center;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-reset:hover,<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-reset:focus {<!-- [et_pb_line_break_holder] -->    color: #0a004a;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  .rkn-scam-tabs-m .rkn-st-complete {<!-- [et_pb_line_break_holder] -->    margin-top: 16px;<!-- [et_pb_line_break_holder] -->    background: #ded9ff;<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    padding: 14px 16px;<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    color: #0a004a;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-scam-tabs-m\" id=\"rkn-scam-tabs-m-1\">  <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-tabnav\" role=\"tablist\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-tab rkn-st-tab-active\" data-panel=\"invoice\" role=\"tab\" tabindex=\"0\">Invoice<!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-tab\" data-panel=\"ato\" role=\"tab\" tabindex=\"0\">ATO text<!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-tab\" data-panel=\"boss\" role=\"tab\" tabindex=\"0\">Boss message<!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- INVOICE PANEL --> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-panel rkn-st-panel-active\" data-panel-id=\"invoice\"> <!-- [et_pb_line_break_holder] --><pee class=\"rkn-st-caption\">Marty&#8217;s coffee supplier emails asking him to update their payment details before his next order is due.<!-- [et_pb_line_break_holder] --><\/pee> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-panel-head\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-counter\"><span class=\"rkn-st-count\">0<\/span> of 5 found<!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-surface\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-meta\">From: Wholesale Beans Co <<span class=\"rkn-st-tell\" data-tell=\"1\" tabindex=\"0\" role=\"button\" aria-label=\"Check this email address\">accounts@wholesalebeans.co<\/span>><!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-meta\">Subject: <span class=\"rkn-st-tell\" data-tell=\"2\" tabindex=\"0\" role=\"button\" aria-label=\"Check this subject line\">Urgent: Updated Bank Details, Please Action Before Friday&#8217;s Order<\/span><!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<hr class=\"rkn-st-divider\"> <pee>Hi Marty, just a heads up, we&#8217;ve updated our banking details. Please use the new account below for your next payment, <span class=\"rkn-st-tell\" data-tell=\"3\" tabindex=\"0\" role=\"button\" aria-label=\"Check this deadline\">due this Friday. We&#8217;re finalising this ahead of your next order, so please update as soon as possible to avoid delay.<\/span><!-- [et_pb_line_break_holder] --><\/pee> <pee>New BSB: 063-000<!\u2013- [et_pb_br_holder] -\u2013>New Account: 1122 3344<!-- [et_pb_line_break_holder] --><\/pee> <pee><span class=\"rkn-st-tell\" data-tell=\"4\" tabindex=\"0\" role=\"button\" aria-label=\"Check how they want you to respond\">Let us know once it&#8217;s updated, no need to call, just reply to this email.<\/span><!-- [et_pb_line_break_holder] --><\/pee> <pee>Sarah, Accounts Team<!\u2013- [et_pb_br_holder] -\u2013> <span style=\"font-size:12px;color:#888888;\">Reply-to: <span class=\"rkn-st-tell\" data-tell=\"5\" tabindex=\"0\" role=\"button\" aria-label=\"Check the reply-to address\">s.accounts@wbc-payments.co<\/span><\/span><!-- [et_pb_line_break_holder] --><\/pee> <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-footer\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-hint\">Click anything in the email that looks off.<!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div> <!-- [et_pb_line_break_holder] --><button class=\"rkn-st-reset\" type=\"button\">Reset<!-- [et_pb_line_break_holder] --><\/button> <!-- [et_pb_line_break_holder] --><button class=\"rkn-st-reveal\" type=\"button\">Reveal what&#8217;s left<!-- [et_pb_line_break_holder] --><\/button> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- ATO PANEL --> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-panel\" data-panel-id=\"ato\"> <!-- [et_pb_line_break_holder] --><pee class=\"rkn-st-caption\">Since July 2026, any business or government agency sending SMS under a branded name has had to register that sender ID with the ACMA. An unregistered sender now shows as &#8220;Unverified&#8221; instead of a name, which makes this one of the easiest tells to catch once you know to check for it.<!-- [et_pb_line_break_holder] --><\/pee> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-panel-head\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-counter\"><span class=\"rkn-st-count\">0<\/span> of 5 found<!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-surface\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-meta\">From: <span class=\"rkn-st-tell\" data-tell=\"1\" tabindex=\"0\" role=\"button\" aria-label=\"Check this sender\">Unverified<\/span><!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<hr class=\"rkn-st-divider\"> <pee>A refund of $874.60 is ready for processing. <span class=\"rkn-st-tell\" data-tell=\"2\" tabindex=\"0\" role=\"button\" aria-label=\"Check this timeframe\">Confirm your details within 24hrs<\/span> to receive payment: <span class=\"rkn-st-tell\" data-tell=\"4\" tabindex=\"0\" role=\"button\" aria-label=\"Check this link\">bit.ly\/ato-refund2026<\/span>. <span class=\"rkn-st-tell\" data-tell=\"3\" tabindex=\"0\" role=\"button\" aria-label=\"Check this warning\">Failure to respond will cancel your refund.<\/span> <span class=\"rkn-st-tell\" data-tell=\"5\" tabindex=\"0\" role=\"button\" aria-label=\"Check this fee\">A small verification fee of $2.99 applies.<\/span><!-- [et_pb_line_break_holder] --><\/pee> <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-footer\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-hint\">Click anything in the text that looks off.<!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div> <!-- [et_pb_line_break_holder] --><button class=\"rkn-st-reset\" type=\"button\">Reset<!-- [et_pb_line_break_holder] --><\/button> <!-- [et_pb_line_break_holder] --><button class=\"rkn-st-reveal\" type=\"button\">Reveal what&#8217;s left<!-- [et_pb_line_break_holder] --><\/button> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- BOSS PANEL --> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-panel\" data-panel-id=\"boss\"> <!-- [et_pb_line_break_holder] --><pee class=\"rkn-st-caption\">This one doesn&#8217;t land with Marty. It lands with his staff, and asks them to act fast before anyone thinks to check.<!-- [et_pb_line_break_holder] --><\/pee> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-panel-head\"><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-counter\"><span class=\"rkn-st-count\">0<\/span> of 5 found<!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-wa-surface\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-wa-header\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-wa-avatar\"><!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-wa-info\"> <span class=\"rkn-st-tell rkn-st-wa-number\" data-tell=\"1\" tabindex=\"0\" role=\"button\" aria-label=\"Check this contact\">+61 412 908 663<\/span> <span class=\"rkn-st-wa-sub\">tap for contact info<\/span> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-wa-body\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-bubble\"> Hey it&#8217;s Marty, back to back with suppliers all arvo. Can you sort some <span class=\"rkn-st-tell\" data-tell=\"4\" tabindex=\"0\" role=\"button\" aria-label=\"Check this request\">Apple gift cards for the team, $150 total<\/span>, <span class=\"rkn-st-tell\" data-tell=\"2\" tabindex=\"0\" role=\"button\" aria-label=\"Check this timing\">today please<\/span>? It&#8217;s <span class=\"rkn-st-tell\" data-tell=\"3\" tabindex=\"0\" role=\"button\" aria-label=\"Check this urgency\">a bit time sensitive so the sooner you can grab them, the better<\/span>. Just send me the codes when you&#8217;ve got them, <span class=\"rkn-st-tell\" data-tell=\"5\" tabindex=\"0\" role=\"button\" aria-label=\"Check this excuse\">I&#8217;ll explain properly once I&#8217;m out of these calls<\/span>. <span class=\"rkn-st-wa-time\">11:42 am<\/span> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-footer\"> <!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"rkn-st-hint\">Click anything in the message that looks off.<!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/p>\n<div> <!-- [et_pb_line_break_holder] --><button class=\"rkn-st-reset\" type=\"button\">Reset<!-- [et_pb_line_break_holder] --><\/button> <!-- [et_pb_line_break_holder] --><button class=\"rkn-st-reveal\" type=\"button\">Reveal what&#8217;s left<!-- [et_pb_line_break_holder] --><\/button> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p> <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><\/div>\n<p>  <!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->(function() {<!-- [et_pb_line_break_holder] -->  'use strict';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  var PANEL_DATA = {<!-- [et_pb_line_break_holder] -->    invoice: {<!-- [et_pb_line_break_holder] -->      total: 5,<!-- [et_pb_line_break_holder] -->      completeMsg: \"That's all five. This is what a payment redirection scam looks like end to end.\",<!-- [et_pb_line_break_holder] -->      tells: {<!-- [et_pb_line_break_holder] -->        \"1\": { category: \"Close, but not quite\", text: \"The domain is .co, not the supplier's real .com.au. One character is enough to redirect this to someone else entirely.\" },<!-- [et_pb_line_break_holder] -->        \"2\": { category: \"The Rush\", text: \"Urgent, before Friday's order. Manufactured deadlines push you to act before you'd normally stop and check.\" },<!-- [et_pb_line_break_holder] -->        \"3\": { category: \"The Rush\", text: \"As soon as possible to avoid delay. Same pressure, said twice.\" },<!-- [et_pb_line_break_holder] -->        \"4\": { category: \"One-way comms\", text: \"No need to call, just reply. A real bank change is exactly the kind of thing worth a phone call, not less.\" },<!-- [et_pb_line_break_holder] -->        \"5\": { category: \"Close, but not quite\", text: \"The reply-to address doesn't match the sender at all. Whoever replies is talking to someone else.\" }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    },<!-- [et_pb_line_break_holder] -->    ato: {<!-- [et_pb_line_break_holder] -->      total: 5,<!-- [et_pb_line_break_holder] -->      completeMsg: \"That's all five. This is what an ATO impersonation scam looks like end to end.\",<!-- [et_pb_line_break_holder] -->      tells: {<!-- [et_pb_line_break_holder] -->        \"1\": { category: \"Close, but not quite\", text: \"It shows as Unverified, not ATO. Since July 2026, any business or government sender has to register its SMS sender ID, or it can't display as their name at all.\" },<!-- [et_pb_line_break_holder] -->        \"2\": { category: \"The Rush\", text: \"24 hours to confirm details. Manufactured urgency to stop you pausing to check.\" },<!-- [et_pb_line_break_holder] -->        \"3\": { category: \"The Rush\", text: \"Failure to respond will cancel your refund. Same pressure, said a second way.\" },<!-- [et_pb_line_break_holder] -->        \"4\": { category: \"One-way comms\", text: \"A shortened link. It hides where you're actually being sent, and the ATO doesn't put links in unsolicited texts at all.\" },<!-- [et_pb_line_break_holder] -->        \"5\": { category: \"Payment up front\", text: \"A fee to receive your own refund. Legitimate refunds are never conditional on paying something first.\" }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    },<!-- [et_pb_line_break_holder] -->    boss: {<!-- [et_pb_line_break_holder] -->      total: 5,<!-- [et_pb_line_break_holder] -->      completeMsg: \"That's all five. This is what CEO fraud looks like end to end.\",<!-- [et_pb_line_break_holder] -->      tells: {<!-- [et_pb_line_break_holder] -->        \"1\": { category: \"Close, but not quite\", text: \"WhatsApp shows the raw number, not a name, because it isn't saved. It's easy to skim past if you're not looking.\" },<!-- [et_pb_line_break_holder] -->        \"2\": { category: \"The Rush\", text: \"Today please. Small, casual, and still designed to stop you sitting on it.\" },<!-- [et_pb_line_break_holder] -->        \"3\": { category: \"The Rush\", text: \"Time sensitive, but no actual deadline. Vague enough that there's nothing concrete to question, just a feeling of needing to move.\" },<!-- [et_pb_line_break_holder] -->        \"4\": { category: \"Payment up front\", text: \"Gift cards. Almost no legitimate business expense gets paid this way, and the codes are as good as cash once sent.\" },<!-- [et_pb_line_break_holder] -->        \"5\": { category: \"One-way comms\", text: \"I'll explain properly once I'm out of these calls. A reason not to ask questions right now, without sounding like one.\" }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function initPanel(panelEl, data) {<!-- [et_pb_line_break_holder] -->    var found = {};<!-- [et_pb_line_break_holder] -->    var countEl = panelEl.querySelector('.rkn-st-count');<!-- [et_pb_line_break_holder] -->    var revealBtn = panelEl.querySelector('.rkn-st-reveal');<!-- [et_pb_line_break_holder] -->    var resetBtn = panelEl.querySelector('.rkn-st-reset');<!-- [et_pb_line_break_holder] -->    var tellEls = panelEl.querySelectorAll('.rkn-st-tell');<!-- [et_pb_line_break_holder] -->    var footerEl = panelEl.querySelector('.rkn-st-footer');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function updateCounter() {<!-- [et_pb_line_break_holder] -->      var n = Object.keys(found).length;<!-- [et_pb_line_break_holder] -->      countEl.textContent = n;<!-- [et_pb_line_break_holder] -->      if (n === data.total) {<!-- [et_pb_line_break_holder] -->        revealBtn.setAttribute('disabled', 'disabled');<!-- [et_pb_line_break_holder] -->        revealBtn.textContent = 'All found';<!-- [et_pb_line_break_holder] -->        showComplete();<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function markFound(el) {<!-- [et_pb_line_break_holder] -->      var id = el.getAttribute('data-tell');<!-- [et_pb_line_break_holder] -->      if (found[id]) { return; }<!-- [et_pb_line_break_holder] -->      found[id] = true;<!-- [et_pb_line_break_holder] -->      el.classList.add('rkn-st-found');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      var tellInfo = data.tells[id];<!-- [et_pb_line_break_holder] -->      var tag = document.createElement('span');<!-- [et_pb_line_break_holder] -->      tag.className = 'rkn-st-tag';<!-- [et_pb_line_break_holder] -->      tag.setAttribute('data-tag-for', id);<!-- [et_pb_line_break_holder] -->      var cat = document.createElement('span');<!-- [et_pb_line_break_holder] -->      cat.className = 'rkn-st-cat';<!-- [et_pb_line_break_holder] -->      cat.textContent = tellInfo.category;<!-- [et_pb_line_break_holder] -->      var body = document.createElement('span');<!-- [et_pb_line_break_holder] -->      body.className = 'rkn-st-body';<!-- [et_pb_line_break_holder] -->      body.textContent = tellInfo.text;<!-- [et_pb_line_break_holder] -->      tag.appendChild(cat);<!-- [et_pb_line_break_holder] -->      tag.appendChild(body);<!-- [et_pb_line_break_holder] -->      el.insertAdjacentElement('afterend', tag);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      updateCounter();<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function showComplete() {<!-- [et_pb_line_break_holder] -->      if (panelEl.querySelector('.rkn-st-complete')) { return; }<!-- [et_pb_line_break_holder] -->      var msg = document.createElement('div');<!-- [et_pb_line_break_holder] -->      msg.className = 'rkn-st-complete';<!-- [et_pb_line_break_holder] -->      msg.textContent = data.completeMsg;<!-- [et_pb_line_break_holder] -->      footerEl.insertAdjacentElement('afterend', msg);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function resetPanel() {<!-- [et_pb_line_break_holder] -->      found = {};<!-- [et_pb_line_break_holder] -->      countEl.textContent = '0';<!-- [et_pb_line_break_holder] -->      revealBtn.removeAttribute('disabled');<!-- [et_pb_line_break_holder] -->      revealBtn.textContent = \"Reveal what's left\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      var tags = panelEl.querySelectorAll('.rkn-st-tag');<!-- [et_pb_line_break_holder] -->      for (var t = 0; t < tags.length; t++) {<!-- [et_pb_line_break_holder] -->        tags[t].parentNode.removeChild(tags[t]);<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      for (var i = 0; i < tellEls.length; i++) {<!-- [et_pb_line_break_holder] -->        tellEls[i].classList.remove('rkn-st-found');<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      var complete = panelEl.querySelector('.rkn-st-complete');<!-- [et_pb_line_break_holder] -->      if (complete) {<!-- [et_pb_line_break_holder] -->        complete.parentNode.removeChild(complete);<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    for (var i = 0; i < tellEls.length; i++) {<!-- [et_pb_line_break_holder] -->      (function(el) {<!-- [et_pb_line_break_holder] -->        el.addEventListener('click', function(e) {<!-- [et_pb_line_break_holder] -->          e.stopPropagation();<!-- [et_pb_line_break_holder] -->          markFound(el);<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] -->        el.addEventListener('keydown', function(e) {<!-- [et_pb_line_break_holder] -->          if (e.key === 'Enter' || e.key === ' ' || e.key === 'Spacebar') {<!-- [et_pb_line_break_holder] -->            e.preventDefault();<!-- [et_pb_line_break_holder] -->            e.stopPropagation();<!-- [et_pb_line_break_holder] -->            markFound(el);<!-- [et_pb_line_break_holder] -->          }<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] -->      })(tellEls[i]);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    revealBtn.addEventListener('click', function(e) {<!-- [et_pb_line_break_holder] -->      e.stopPropagation();<!-- [et_pb_line_break_holder] -->      for (var i = 0; i < tellEls.length; i++) {<!-- [et_pb_line_break_holder] -->        markFound(tellEls[i]);<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    resetBtn.addEventListener('click', function(e) {<!-- [et_pb_line_break_holder] -->      e.stopPropagation();<!-- [et_pb_line_break_holder] -->      resetPanel();<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->    resetBtn.addEventListener('keydown', function(e) {<!-- [et_pb_line_break_holder] -->      if (e.key === 'Enter' || e.key === ' ' || e.key === 'Spacebar') {<!-- [et_pb_line_break_holder] -->        e.preventDefault();<!-- [et_pb_line_break_holder] -->        e.stopPropagation();<!-- [et_pb_line_break_holder] -->        resetPanel();<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    return { reset: resetPanel };<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  function init() {<!-- [et_pb_line_break_holder] -->    var root = document.getElementById('rkn-scam-tabs-m-1');<!-- [et_pb_line_break_holder] -->    if (!root) {<!-- [et_pb_line_break_holder] -->      window.setTimeout(init, 150);<!-- [et_pb_line_break_holder] -->      return;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    if (root.getAttribute('data-rkn-init') === 'true') { return; }<!-- [et_pb_line_break_holder] -->    root.setAttribute('data-rkn-init', 'true');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    var panelEls = root.querySelectorAll('.rkn-st-panel');<!-- [et_pb_line_break_holder] -->    var tabEls = root.querySelectorAll('.rkn-st-tab');<!-- [et_pb_line_break_holder] -->    var panelControllers = {};<!-- [et_pb_line_break_holder] -->    var activePanelId = 'invoice';<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    for (var p = 0; p < panelEls.length; p++) {<!-- [et_pb_line_break_holder] -->      var panelEl = panelEls[p];<!-- [et_pb_line_break_holder] -->      var panelId = panelEl.getAttribute('data-panel-id');<!-- [et_pb_line_break_holder] -->      panelControllers[panelId] = initPanel(panelEl, PANEL_DATA[panelId]);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function switchTo(panelId) {<!-- [et_pb_line_break_holder] -->      if (panelId === activePanelId) { return; }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (panelControllers[activePanelId]) {<!-- [et_pb_line_break_holder] -->        panelControllers[activePanelId].reset();<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      for (var i = 0; i < panelEls.length; i++) {<!-- [et_pb_line_break_holder] -->        panelEls[i].classList.remove('rkn-st-panel-active');<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      for (var j = 0; j < tabEls.length; j++) {<!-- [et_pb_line_break_holder] -->        tabEls[j].classList.remove('rkn-st-tab-active');<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      root.querySelector('.rkn-st-panel[data-panel-id=\"' + panelId + '\"]').classList.add('rkn-st-panel-active');<!-- [et_pb_line_break_holder] -->      root.querySelector('.rkn-st-tab[data-panel=\"' + panelId + '\"]').classList.add('rkn-st-tab-active');<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      activePanelId = panelId;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    for (var t = 0; 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_module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>All three scams had classic red flags, such as pushing you to act quickly. Also, it\u2019s worth noting the new <a href=\"https:\/\/www.reckon.com\/au\/blog\/acma-sms-rule-changes\/\">SMS rules for businesses<\/a>. If a company or organisation hasn\u2019t registered with its telco, any messages it sends to customers will be labelled as an \u201cunverified user\u201d.<\/p>\n<h2>How to protect yourself from scams<\/h2>\n<p>Every scam essentially uses the same four tactics, no matter the style: creating urgency, imitating real things, pushing payments, and controlling how you communicate. If you see any of these red flags in a message, verify. Check your phone contacts or the official website, never the number or link the message gave you. A quick call to the official number should reveal a scam before it\u2019s too late.<\/p>\n<p>[\/et_pb_text][ba_social_share icon_bg=&#8221;#03002e&#8221; icon_padding=&#8221;10px|12px|10px|12px|true|true&#8221; layout=&#8221;classic&#8221; show_text=&#8221;off&#8221; btn_padding=&#8221;0px|0px|0px|0px|false|false&#8221; btn_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||||false|false&#8221; custom_padding=&#8221;25px||||false|false&#8221; custom_css_before=&#8221; content: %22SHARE THIS%22;|| font-size: 16px;|| font-weight: 700;|| line-height: 22px;|| letter-spacing: 0em;|| text-align: center;|| color: #ff5447;|| margin-bottom: 10px;|| display: inline-flex;|| position: absolute;|| margin-top: 10px;&#8221; border_width_top_main=&#8221;1px&#8221; border_color_top_main=&#8221;#e4e4e4&#8243; border_radii_icon=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221; custom_css_before_last_edited=&#8221;off|desktop&#8221;][ba_social_share_child _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;facebook&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;linkedin&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;email&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][\/ba_social_share][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>DIY bookkeeping for small business owners: learn what to handle yourself, what to outsource, and how to stay on top of your finances.<\/p>\n","protected":false},"author":36,"featured_media":309110,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>Changes to how casual employees can transition to permanent employment are coming this year. The new process adds an employee-driven element, where, depending on certain circumstances, a casual employee can notify their employer of their intention to move from casual to permanent employment.<\/p><p>This is a marked departure from the previous rules, which were entirely up to the employers. So, what does this new process look like, and what does it mean for small businesses?<\/p><p>Let\u2019s go through it.<\/p><h2>Key changes to casual employment rights<\/h2><p>The \u201cClosing Loopholes\u201d amendment has directly changed how casual employees remain casual or transition to permanent employment.<\/p><p>Under the old rules in the National Employment Standard, a casual employee\u2019s employment status was entirely employer-driven. This meant that any conversation or initiation of a casual employee was through the employer's agreement or arrangement.<\/p><p>Now, employees can let their employer know their desire to change their working status, called the employee choice pathway.<\/p><p>Under the employee choice pathway, casual employees can pursue permanent employment by notifying their employers of their intent to change from casual to permanent. The following criteria have to be met before notice can be given:<\/p><ul><li>The employee has been employed for 6 months or more (or for small business, 12 months or more)<\/li><li>The employee believes that they no longer meet the requirements of a casual employee defined under the Fairwork Act 2009<\/li><\/ul><h2>Who is affected by the employee choice pathway?<\/h2><p>The changes have been in effect for medium-large businesses since 26 February 2025. Under the legislation, businesses with 15 or more employees must follow the employee choice pathway procedure.<\/p><p>The changes will come into effect on 26 August 2025 for small businesses (15 employees or fewer). Under the rules of casual employment, an employee may only notify their intent for permanent employment if they have been employed for more than 12 months.<\/p><h2>The process involved<\/h2><p>The employee choice pathway is twofold: a notice of intent to transition from casual to permanent, and the response to that notice. While this may seem simple, a number of factors determine the outcome. First, before a notice can be made to move from casual to permanent, we must look at what defines casual employment status.<\/p><h3>Defining casual employment<\/h3><p>The legal definition of what constitutes casual employment can be found in the Fairwork Act 2009 (15A). This is a rather large document, so for all intents and purposes, casual employment can be simply defined like this:<\/p><ul><li>The employment relationship is not a firm commitment to further ongoing work.<\/li><li>The employee is entitled to casual loading under the rate determined under their agreement, rate, or contract.<\/li><\/ul><p>If you are unsure about the definition of <a href=\"https:\/\/www.fairwork.gov.au\/starting-employment\/types-of-employees\/casual-employees\" target=\"_blank\" rel=\"noopener\">casual employment<\/a>, the Fairwork Ombudsman has materials and resources.<\/p><h3>Giving notice of employment change<\/h3><p>The notice a casual employee gives to their employer about moving to permanent employment requires two factors to be satisfied:<\/p><ol><li>The employee must have been employed for 6 months or more (12 months or more for small businesses), and;<\/li><li>The employee believes that they no longer meet the requirements of casual employment.<\/li><\/ol><p>Here is an example of a notice to demonstrate what this would look like in the workplace.<\/p><blockquote><p><em>Imagine a bartender working casually for over 10 months at a large pub with more than 15 workers. This casual employee has been given more responsibilities in the last few months, including rostering other casuals. The employee has also noticed they work fixed, regular, rostered shifts. With this information and a desire for more security in their employment, they approach their employer with notice to transition from casual to permanent employment.<\/em><\/p><\/blockquote><p>In this example, the employee meets the requirements to give notice and pursue the casual choice pathway. After notice occurs, the employer is required to respond. Let\u2019s take a look.<\/p><h3>Responding to a notice<\/h3><p>Once an employer receives a notice from their employee, they have 21 days to respond. Before a response is made, the employer should consult with the employee about what changes the transition would make to their employment. This discussion should include:<\/p><ul><li>Whether the employee would move to full-time or part-time permanent employment.<\/li><li>The change of hours the employee will work.<\/li><li>When the change of employment will take effect.<\/li><\/ul><p>After a consultation, the employer can accept or reject the notice of employment change.<\/p><h3>Accepting or rejecting an employment change notice from an employee<\/h3><p>When accepting a change, the employer needs to include what has been consulted previously and provide a new written employment agreement with their employee. The changes must immediately be implemented after the acceptance of employment status unless the employer and employee have agreed on a different commencement date.<\/p><p>When it comes to rejecting a notice, employers need a good reason. An employer can justify a rejection of the notice when either of the following circumstances apply:<\/p><ul><li>The employee still meets the requirements of casual employment.<\/li><li>Causes significant changes to the business organisational structure.<\/li><li>It will have a considerable impact on day-to-day business operations.<\/li><li>The change will break existing rules in an award or enterprise agreement.<\/li><li>The change violates recruitment or selection procedures that are protected by law.<\/li><\/ul><p>Accepting or rejecting an employee's notice must be thoughtfully considered, whatever the circumstances, and communication should be clear and concise. If there is a disagreement, it may come down to both sides not effectively communicating. However, dispute resolution procedures are in place if the relationship is beyond solving in the workplace. It also should be noted that <a href=\"https:\/\/www.fairwork.gov.au\/starting-employment\/types-of-employees\/casual-employees\/becoming-a-permanent-employee#protections\" target=\"_blank\" rel=\"noopener\">protections are in place<\/a> against any adverse actions taken in reaction to an employee submitting a notice.<\/p><h2>What happens if there is an employment dispute?<\/h2><p>Any dispute must be resolved first in the workplace. However, if a dispute occurs due to a disagreement about an employee\u2019s employment status, there are a number of avenues that can be explored:<\/p><ul><li>Consultation with the Fairwork Ombudsman<\/li><li><a href=\"https:\/\/www.fwc.gov.au\/issues-we-help\/casual-permanent-status\" target=\"_blank\" rel=\"noopener\">Resolution mediated<\/a> by the Fairwork Commission<\/li><\/ul><p>Unfortunately, if either of these doesn\u2019t remedy the situation, the matter may have to be resolved in court, arbitrated by the Federal Circuit Court.<\/p><h2>The bottom line<\/h2><p>As the changes on the pathway from casual to permanent employment are new, there will be a degree of awkwardness in implementation. What is essential is good communication and honesty when discussing an employee's future in your business. As the date for small businesses to follow the new rules is set for 26 August 2025, there is plenty of time to review your procedures for <a href=\"https:\/\/www.reckon.com\/au\/small-business-resources\/payroll-guide\/workforce-management\/\" rel=\"\">managing your staff<\/a>.<\/p><p>You may find that the new process has new opportunities for <a href=\"https:\/\/www.reckon.com\/au\/small-business-resources\/hiring-staff-process\/traits-good-team-member\/\" rel=\"\">dedicated employees<\/a> to commit fully to your business. Whatever the employee choice pathway brings, ensure you are prepared with proper <a href=\"https:\/\/www.reckon.com\/au\/accounting-software\/payroll\/\">payroll systems<\/a> to navigate the changing landscape.<\/p>","_et_gb_content_width":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[343],"tags":[],"class_list":["post-309096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What a cyber scams actually look like | Reckon Blog<\/title>\n<meta name=\"description\" content=\"DIY bookkeeping for small business owners: learn what to handle yourself, what to outsource, and how to stay on top of your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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