Fraud Awareness and Prevention

Summary

• About SCOR
• Fraudulent products, services, unauthorized withdrawals and suspicious use of the SCOR name
• How to prevent Fraud
• If you are victim of fraud
• Latest fraud alerts

About SCOR

SCOR is a global reinsurer. The Group provides reinsurance and risk solutions exclusively to businesses, including insurance companies and corporate clients. SCOR does not provide financial services to individuals and has no reason to request payments from them. It does not sell subscriptions, bill private customers, or take payments from personal bank accounts.

Any request for payment, invoice, or charge to a personal account presented as coming from SCOR should therefore be treated as suspicious.

In addition, SCOR:

• never offers lotteries or prize competitions that allow individuals to win money or other prizes;
• never asks for payment for recruitment services;
• never uses non-corporate email domains;
• never uses WhatsApp, social media, or other messaging applications to contact or communicate with third parties in connection with its insurance and reinsurance activities.

Fraudulent products, services, unauthorized withdrawals and suspicious use of the SCOR name

SCOR has been informed that individuals have noticed unrecognized recurring withdrawals and charges on their bank accounts. These transactions carry payment references that resemble the SCOR name.

Fraudsters also use the SCOR name to request payment of falsified invoices and to propose fake products and services (including insurance and investment services). Other schemes include fake lotteries and prize competitions, fake recruitment offers, messages sent from non-corporate email addresses and contact through WhatsApp and social media.

SCOR is not involved in these transactions or schemes. SCOR has no connection with the websites, email addresses, telephone numbers, or entities involved. These practices are fraudulent and are carried out by third parties without SCOR's knowledge or authorization.

Fraudulent Products, Services, and Withdrawals

Fraudsters use the SCOR name to make fraudulent withdrawals from private bank accounts and to request payment of falsified invoices. They also promote fake products and services under the SCOR name, including the following. This list is not exhaustive:

• SCOR Euro Invest
• Savings account SCOR
• SCOR Evolution
• SCOR Recruitment Desk

None of these products or services is offered by SCOR.

How to Recognize SCOR-Related Fraud

You may be the target of a scam if you:

• notice a withdrawal or recurring charge on your bank statement with a reference similar to "SCOR";
• receive an invoice or payment request presented as coming from SCOR;
• are offered investment, savings, insurance, or financial products for individuals in SCOR's name, such as "SCOR Euro Invest," "Savings account SCOR," or "SCOR Evolution";
• are told you have won a lottery, prize competition, money, or other prizes from SCOR;
• are offered a job or recruitment process with SCOR, for example through a "SCOR Recruitment Desk," that requires you to pay a fee;
• receive an email from a non-corporate address (such as Gmail or Outlook) claiming to be SCOR;
• are contacted via WhatsApp, LinkedIn, Facebook, X or any other social media by someone claiming to represent SCOR;
• receive an email, text message, or phone call claiming to come from SCOR that asks for personal or financial information;
• are directed to a website imitating SCOR that offers products or services to individuals.

What to Do If You Notice an Unauthorized Charge or Suspicious Contact

1. Contact your bank immediately. Report the transaction as unauthorized and ask your bank to block or dispute the payment.
2. Contact the merchant shown on the transaction, if the merchant can be identified.
3. Do not pay any invoice, fee, or prize-related charge presented as coming from SCOR.
4. Keep all evidence, including the transaction reference, date, amount, and any emails, WhatsApp messages, or other communications.
5. Report the fraud to the police or to the relevant consumer protection or cybercrime authority in your country.
6. Remain extremely vigilant and never share personal or financial information, including banking details, passwords, or verification codes, with anyone claiming to represent SCOR.

How to prevent fraud

Protect your data

• Limit the online publication of information. Even non-confidential personal data can be stolen and used without your knowledge to access your banking information.
• Keep your codes strictly confidential, whether they pertain to your payment methods or remote account access. Do not share them with anyone, not even your bank advisor. Never disclose your codes, passwords, or banking identifiers.
• Do not store your data on unsecured media, whether physical (notebook, post-it notes) or digital (email, hard drive, mobile phone).
• Carefully read the information provided during the authorization process of a transaction. When validating a transaction, take the time to verify all details to ensure its security.
• Be vigilant about the correspondence between the beneficiary's identity and the IBAN during the first transfer to an account. The authorization process explicitly reminds you that this correspondence has not been verified by the bank.

Maintain secured contacts

• Don’t click on links in an email. Type the address of a site directly into the address bar of your browser instead.
• Be wary of all calls from unknown callers.
• Check the contact details of the person you are contacting and the identity of the company they belong to.
• Don’t divulge personal and/or confidential information by email or telephone, unless you initiated the contact yourself and know the recipient.
• Notify your bank of any changes to your contact details (phone number, email address) through the usual recommended channel. This ensures they can reach you quickly in case of any suspicious activity.

Stay alert

• Conduct an Internet search on your usual search engine using the key words + "scam" or "fraud" or "lottery" or "promotional contests".
• Don’t give in to the urgency of the request, which should constitute a red flag.
• Be wary of offers that are too attractive.
• Be wary of the subject line, which is often alarmist or prescriptive and may include sentences such as “payment instructions”.
• If a call or email seems suspicious, contact SCOR as soon as possible to confirm its validity.
• If in doubt, don’t take any action and don’t divulge any confidential information, particularly bank details.
• Systematically check that the person you are dealing with is authorized to offer banking or insurance products by consulting the relevant websites of the Register of Financial Firms (e.g., for France: REGAFI - Registre des agents financiers), the Register of Insurance Companies (e.g., for France: REFASSU) and the register of insurance, banking and finance intermediaries (e.g., for France: Orias).
• Regularly check the security section of your bank's website or app. It is frequently updated to reflect the latest and most common frauds.

If you have any doubts about the person you are dealing with, please consult the blacklists and alerts updated by the French regulatory authorities (ACPR and AMF) on the dedicated webpage: Listes noires et alertes des autorités.

Training modules are available to all, providing comprehensive guidance on best practices for protecting you against fraud.

You can also consult the available information on means of payment fraud here.

If you are a victim of fraud

We recommend that you take the following steps:

• Contact SCOR by telephone at +33 (0)1 58 44 70 00 or via our contact form;

Report fraud

• Collect and keep all information relating to the fraud: how the fraudsters contacted you, the domain name of the website, the contact details of the people with whom you were in contact, the documentation sent by the fraudsters, any sums invested and any information you may have passed on to them.
• File a complaint with the relevant authority. You can file a complaint (in France) here.
• Contact your bank advisor (your bank might be able to communicate with the bank which initiated the fraudulent withdrawals and identify the Fraudster)
• Check your account regularly for any anomalies and stop any direct debits.

Latest fraud alerts

• Attempted fraud and business impersonation of SCOR
• Attempted fraud and business impersonation of SCOR Investment Partners

Disclaimer

This page constitutes general information provided by SCOR, which has been informed of fraudulent practices. SCOR does not guarantee that the above information is accurate or complete. Some or all of this information may not be applicable in all jurisdictions. This information does not constitute legal advice.

Last update: October 2026

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