URGENTE: BANCO CENTRAL RESPONSABILIZA O BANCO RECEBEDOR DO PIX. GOLPE DO PIX. Novas regras do PIX.

Summary

This video discusses a new resolution from the Central Bank, effective from November 1, 2024, aimed at holding receiving banks accountable in cases of PIX fraud. It highlights how the resolution mandates banks to strengthen security measures, including identifying fraudulent accounts and preventing fraudsters from opening accounts or transferring funds. The video explains the responsibilities of banks in ensuring transaction safety, such as blocking suspicious payments and identifying account owners through facial recognition and other verification mechanisms. Viewers are encouraged to take action if they fall victim to PIX fraud, with an emphasis on the upcoming changes in legislation.

Takeaways

• 😀 A new regulation from the Central Bank of Brazil (Resolution 403) will come into effect on November 1, 2024, addressing bank responsibilities in PIX fraud cases.
• 😀 The resolution holds receiving banks accountable for the fraud if they allowed a scammer to open a bank account for fraudulent purposes.
• 😀 Banks will need to implement more advanced systems to verify the authenticity of account holders when opening accounts to prevent fraud.
• 😀 The Central Bank's new regulation will mandate the use of biometrics and other mechanisms to ensure the person opening the account is the rightful individual.
• 😀 Banks will also have to confirm the identity of the person initiating a transfer to prevent funds being sent by unauthorized third parties.
• 😀 In case of suspected fraud, banks can block the funds temporarily until they resolve the situation and verify the legitimacy of the transaction.
• 😀 If a fraudster tries to use the same personal details across different banks, the system will flag and block the new account creation and transactions.
• 😀 The regulation ensures that even if a fraudster manages to open a fraudulent account, the system will quickly block suspicious transfers, preventing further losses.
• 😀 Fraudulent transactions, especially those involving large amounts of money, will now be closely monitored, with banks required to block and report suspicious activities.
• 😀 The resolution also introduces safeguards such as limits on transfers to unregistered accounts, increasing security for regular users of PIX transactions.

Q & A

What is the new resolution introduced by the Central Bank of Brazil regarding Pix fraud?

The Central Bank introduced Resolution 403, effective from November 1, 2024, which outlines the responsibilities of banks in cases involving Pix fraud. This includes new measures to ensure banks are accountable for allowing fraudulent transactions and enhancing security to prevent such incidents.

What role do banks play in preventing Pix fraud under the new resolution?

Banks are responsible for ensuring proper security measures are in place to prevent fraud. This includes verifying the authenticity of accounts, detecting suspicious transactions, and preventing fraudsters from opening accounts or transferring money through stolen credentials.

How does the new resolution ensure that fraudsters cannot misuse stolen identification documents?

The resolution mandates that banks must use systems to verify the identity of individuals opening accounts. This includes cross-checking facial recognition with the ID documents submitted to ensure they match the person opening the account.

What happens if a bank receives funds from a fraudulent account under the new resolution?

If a bank detects that funds have been received from a fraudulent account, it must block the transaction and initiate a further investigation. The resolution allows the bank to freeze the funds and return them to the rightful owner if fraud is confirmed.

What is the significance of Article 89 of Resolution 403?

Article 89 outlines the bank's responsibilities in preventing Pix fraud, specifically focusing on security measures when opening new accounts and identifying fraudulent transactions. It holds banks accountable for failing to prevent fraud, and victims can use this article when filing complaints.

What steps should victims of Pix fraud take to recover their money under the new resolution?

Victims of Pix fraud should report the incident to their bank and the Central Bank or consumer.gov.br. They can cite the provisions of Article 89 to hold the bank responsible for any security failures, and request the reversal of fraudulent transactions.

How will banks detect if a fraudulent account is involved in Pix transactions?

Banks will use systems that flag accounts linked to fraudulent activities. If an account is flagged as being opened with fraudulent documents or by a fraudster, the system will alert the bank, which will block the account and transactions linked to it.

Can fraudsters still open new accounts under the new resolution if their identification has been flagged?

No, under the new resolution, if a fraudster's identification has been flagged for fraudulent activities in one bank, the system will prevent them from opening new accounts at other banks. If they do manage to open an account, any suspicious transactions will be blocked.

What additional security measures must banks implement under the new resolution?

Banks must implement systems to verify account holders' identities and transactions in real-time, such as facial recognition and cross-checking submitted documents with other databases. They also need to create channels to inform customers of fraud risks and how to protect themselves.

How does the new resolution impact the prevention of fraud in future Pix transactions?

The resolution enhances security by requiring banks to implement advanced fraud detection mechanisms, such as verifying whether both the sender and receiver of funds are legitimate, and ensuring that fraudulent accounts are blocked. It also introduces limits on unregistered Pix transfers to further reduce fraud risk.