The financial services industry took a big hit in the past 18 months – $76 billion lost in Paycheck Protection Program (PPP) fraud, over $300 million lost in stimulus check scams, and a significant increase in credit card and check fraud. Overall, financial crime attempts increased by 109%. But rather than targeting institutions directly, fraudsters are going after the path of least resistance, which often is individual members. Their methods vary but include: IRS scams, romance scams or even sly account takeovers during P2P, where a hacker may impersonate a credit union employee as they help a new member open an account, ultimately stealing the account login information and transferring funds to their own account.