How to stop scams like "Funds For Transfer"
Phishing/ScamAlso Known As: Funds For Transfer advance-fee scam
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What kind of scam is "Funds For Transfer"?
Upon reviewing this deceptive email, it has become evident that it intends to deceive unsuspecting recipients into divulging personal information or sending money to scammers. It is disguised as a message concerning the release of an inheritance. Recipients should not respond to this fraudulent email.

More about the "Funds For Transfer" scam email
In the fraudulent email, the sender, who identifies as Jim Lawson, addresses the recipient as a beneficiary. The email claims to be a follow-up to previous communications that allegedly went unanswered.
It mentions issues with the release of the recipient's inheritance, lottery winnings, contract payment, or other financial assets due to officials who are portrayed as obstructing the transfer process and extorting money from the recipient. The email asserts that the United Nations Fund Monitoring Unit has now approved the release of the funds.
It promises that the funds, amounting to $25 million, will be provided through a MasterCard ATM, which can be used at ATMs and banks worldwide. The message also urges the recipient to cease any further communication with other parties regarding the payment and instructs them to contact a correspondent officer, Mr. Lee Wing, via the provided email address for further instructions.
The recipient is asked to provide personal information for the delivery of the ATM card, with the email claiming that a $200 discount on the delivery fee is available if paid within a specific timeframe.
The purpose of this scam email is to deceive the recipient into believing they are entitled to a substantial sum of money, typically referred to as an inheritance, lottery winnings, or contract payment. The scammers aim to lure the recipient into providing personal information and, ultimately, money for fictitious fees.
The ultimate goal is to defraud the recipient by convincing them to make payments for various fabricated expenses, enriching the scammers at the recipient's expense.
| Name | Funds For Transfer Email Scam |
| Threat Type | Phishing, Scam, Social Engineering, Fraud |
| Fake Claim | $25 million will be provided to recipients through a MasterCard ATM |
| Disguise | Letter from a bank |
| Symptoms | Unauthorized online purchases, changed online account passwords, identity theft, illegal access of the computer. |
| Distribution methods | Deceptive emails, rogue online pop-up ads, search engine poisoning techniques, misspelled domains. |
| Damage | Loss of sensitive private information, monetary loss, identity theft. |
| Malware Removal (Windows) |
To eliminate possible malware infections, scan your computer with legitimate antivirus software. Our security researchers recommend using Combo Cleaner. Download Combo CleanerTo use full-featured product, you have to purchase a license for Combo Cleaner. 7 days free trial available. Combo Cleaner is owned and operated by RCS LT, the parent company of PCRisk.com. |
Similar scam emails in general
Emails of this kind typically share common elements such as unsolicited messages, claims of unexpected financial windfalls (inheritance, lottery winnings, or contracts), urgent instructions, requests for personal information, and the promise of substantial sums of money in exchange for payments or fees.
They often employ a sense of urgency and secrecy to entice recipients into responding and participating in the fraudulent scheme, ultimately aiming to deceive and defraud individuals. Examples of similar emails are "Investment In Your Country", "Recovered Stolen Funds And Crypto Currency", and "Deceased Relative".
It is important to know that emails can also be used to trick recipients into infecting their computers (downloading and running malware on computers).
How do spam campaigns infect computers?
Cyber attackers employ deceptive emails that convincingly impersonate reputable entities or familiar individuals, compelling users to engage with malicious content. This typically involves opening harmful attachments or clicking on deceptive links within these emails. These attachments and links are often vehicles for malware, which can include destructive threats like ransomware.
In their nefarious tactics, cybercriminals utilize an array of file types to entice users into unwittingly infecting their computers through email. The most prevalent file formats for these deceptive attachments are .exe, .doc, .pdf, and .zip files, each serving as a potential gateway for malware infiltration.
How to avoid installation of malware?
Staying proactive in safeguarding your digital environment involves several key practices. Firstly, ensure your operating system, software, and antivirus programs remain consistently updated. Secondly, exercise caution when engaging with email attachments and links, particularly those originating from unfamiliar or dubious sources.
Additionally, it is imperative to refrain from downloading software or files from shady websites and avoid interacting with advertisements on such pages. Moreover, avoid downloading pirated software or tools that unlawfully activate paid applications.
If you have already opened malicious attachments, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.
Appearance of the "Funds For Transfer" scam email (GIF):

Text presented in the "Funds For Transfer" email letter:
Subject: Your ATM Card is ready ..
Dear Beneficiary,
This is to officially inform you that we have written to you before without getting a response from you and we believe that our previous mail did not get to you therefore we are writing you again.
We are contacting you concerning the release of your inheritance / Lottery/contract payment /Cheque /ATM Card which has been delayed for transfer by some officials who claim to be in the position of your payment thereby extorting money from you in one way or the other.
The United Nations Fund Monitoring Unit has finally approved your Funds for transfer. Your funds will be transferred to you via MasterCard ATM which is cashable in any ATM machine or Bank anywhere in the world.
as a result of this inform you that an ATM card worth $ 25 million has been credited in your favor as your inheritance /contract payment which has been delayed by these officers who claim to be in the position of your funds Therefore you are warned to stop any further communication with anybody concerning your payment your ATM
will be mailed to your home address via FedEx. Because we have signed a contract with FedEx which will expire by the end of October 2023 you will only have to pay $270 instead of $470 saving you $200 if you Pay before the end of the week you will save $200 and receive your ATM Card you are advised to contact our correspondent officer Mr Lee wing with the information below
Name: Mr Lee wing
E-mail: leewing@gmail.hu
Send them the following information for the conclusion of your ATM Card:
Full Name:__________
Delivery Address:____
Cell phone:_______
Occupation:_____
Phone Number:____
Age:______
Yours sincerely,
Jim Lawson
Other examples of emails from "Funds For Transfer" spam campaign:
Sample 1:

Text presented within:
Subject: CONFIRM YOUR DETAILS FOR YOUR APPROVED ATM
YOUR ATM CARD CONTAINS $4.9 MILLION DOLLARS IS READY
Dear Beneficiary,
This is to officially inform you that we have written to you before without getting a response from you and we believe that our previous mail did not get to you therefore we write to you again.We are contacting you concerning the release of your inheritance funds / Draft /Cheque /ATM Card which have been delayed for transfer based on criminal activities in Africa claiming to represent what they are not.Your Fund has finally been approved for transfer by the international monetary fund [IMF] and organization of African unity [OAU] compensation unit.
We hereby inform you that the ATM card worth US$4.9,million US dollars has been credited in your favour as the first part payment of your inheritance fund which has been delayed by some individuals who claimed to be in position of your fund.Therefore you are warned to stop any further of communication with anybody concerning your inheritance fund and do not send money to anyone anymore.Provide the below details of yours to use to program your ATM card with your details in your favor so that you can be able to start pulling out your money.
1. YOUR FULL NAMES:
2. Delivery Address:
3 PHONE NUMBER:
4. A PASSPORT PICTURE:
5. EMAIL ADDRESS:
6.. SEX:
7. AGE:
8. OCCUPATION:
9. COUNTRY:
10. CITY:
11. COPY OF YOUR PASSPORT OR ID.Thus you have to stop contacting anybody or offices regarding the check draft since an accredited Dubai bank in partnership with international monetary fund [IMF] and organization of African unity [OAU] compensation unit have authorized the Dubai bank to issue you an ATM CARD so that you can withdraw your funds to avoid any further problem,provide us with the above needed details of yours.
Thanks for your anticipation.
Sincerely
Mr Mamudou Keita
mamudukeita@gmail.com
Sample 2:

Text presented within:
Subject: Remittance Notification!
Barclays Bank PLC, UK
1 Churchill Place
London, E14 5HP, United Kingdom
http://www.barclays.co.ukDear Esteemed Customer,
We at this bank wish to congratulate and inform you that after a thorough review of your Inheritance/Contract funds transfer release documents in conjunction with the World Bank and the IMF assessment report, your payment file was forwarded to us for immediate transfer of a part-payment of US$500,000.00 to your designated bank account from their offshore account with us
The audit reports provided to us indicate that you have been experiencing difficult times. You have been paying a lot of money to have your funds released, which has been delayed by some dubious officials.
We therefore advise that you cease further communication with any correspondence outside this office, as you are not required to pay any money or fee to receive your funds, having met all the transfer requirements for the entire fund.
You are only required to obtain the Non-Residential Clearance, which will enable us to credit your account directly by telegraphic transfer or through any of our corresponding banks. We will also send copies of the fund's transfer release documents to you and your bankers for confirmation.
Should you follow our directives, your funds will be credited and reflected in your bank account within five (5) bank working days from the day you obtain this Non-Residential Clearance since you are not a British.
For further details and assistance on this Remittance Notification, kindly forward your
FULL NAME:
FULL CONTACT ADDRESS:
TELEPHONE and FAX NUMBERS:Directly to my private email: mrs.helenkeelan@hotmail.com/helenkeelanbb@eclipso.uk
Yours sincerely,
Mrs. Helen Keelan
Head, International Banking Division.
Barclays Bank PLC, UK.
Sample 3:

Text presented within:
Subject: A Confidential financial Matter
I am Len Botkin, a worker in Bank of America.
A Confidential financial Matter
In our recent audit, I came across an unclaimed account valued at fourteen million dollars, left behind by a client who passed away with his family in a plane crash. With your cooperation, I can arrange the funds to be transferred to you before the government will have a claim on it. And then, agree on a suitable ratio to share it.
Please get back to me now.
Email:lenbotkin@zohomail.eu
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Types of malicious emails:
If you opened an attachment or downloaded a file from a suspicious email, run a full system scan with Combo Cleaner. If you only received the email and didn't engage with it, you don't need to scan anything - just identify the scam and delete it. The full procedure below covers both situations and what to do if you already clicked, replied, or sent money.
Credential theft Phishing emails
Fake login pages disguised as PayPal, Microsoft, Apple, banks, or social networks. The email pushes a link to a near-perfect copy of the real login screen. The moment you type your username and password, the attacker has them.
Common subject lines
- "Action required: confirm your account"
- "Your password expires today"
- "Unusual sign-in attempt detected"
- "Verify your billing information"
Malware delivery Emails with malicious attachments
Trojans hidden inside fake invoices, faxes, shipping confirmations, or Office documents. Opening the attachment runs the payload and infects the system - often with an info-stealer or remote-access trojan.
Common subject lines
- "Invoice INV-2026-XXXX attached"
- "Fax received - 3 pages"
- "Your shipping document is ready"
- "Voicemail from +1-XXX-XXX-XXXX"
Extortion Sextortion emails
Fake claims of webcam recordings demanding cryptocurrency. Almost always a bluff: the attacker pulls a real password from an old data breach to make the threat look credible, then claims to have video of you. They have no recording and no access.
Common subject lines
- "I know your password is XXXX"
- "Your account has been hacked"
- "I have recorded you - 48 hours to pay"
- "You have been compromised"
Callback fraud Refund & callback scams
"Your subscription was renewed for $499 - call to cancel." Norton, McAfee, Geek Squad, PayPal, and Wells Fargo variants are all common. There's no real subscription. The phone number in the email connects directly to the scammer, who walks you through "refunding" yourself - which is actually them stealing money from your bank.
Common subject lines
- "Norton subscription auto-renewed - $499.99"
- "McAfee Total Protection invoice"
- "Geek Squad order confirmation"
- "Your PayPal payment is being processed"
Credential theft Account suspension & verification scams
"Your account will be deleted in 24 hours - verify now." The artificial deadline is the whole point: it pressures you to click before checking details. The "verify" link goes to a phishing page styled to look like the real provider.
Common subject lines
- "Your account will be deleted in 24 hours"
- "Suspicious activity detected - verify now"
- "Final warning: account closure"
- "Action required to keep your account active"
Mixed payload Delivery & package scams
Fake DHL, USPS, UPS, or FedEx tracking, customs fees, or "package undeliverable" notices. Targets anyone expecting a parcel - the timing alone catches many people. The link hides either phishing (asking for card details to "release" the package) or a malware download.
Common subject lines
- "Your DHL package is held at customs"
- "USPS - delivery attempt failed"
- "FedEx tracking update - action required"
- "Pay $2.99 redelivery fee to release your parcel"
Remote access Tech support scams
Fake Microsoft, Apple, or "Windows Defender" security alerts pushing a phone number. Real Microsoft and Apple never email a phone number to call. The number connects you to a scammer who asks for remote access to "fix" the imaginary problem and then demands payment.
Common subject lines
- "Microsoft Defender expired - renew now"
- "Apple ID security alert"
- "Critical: virus detected on your PC"
- "Windows license expired - call now"
Wire fraud Advance-fee scams
Inheritance, lottery wins, romance, or business deals that ask for a small fee to release a much larger sum. The classic "Nigerian prince" 419 family of frauds. Once you pay the first fee, more fees appear (taxes, lawyer, transfer charges) until you stop paying. The promised money never exists.
Common subject lines
- "Inheritance from a relative you didn't know about"
- "You won the international lottery"
- "URGENT - business proposal worth $XX million"
- "Compensation fund release for fraud victims"
Wire fraud Business email compromise (BEC)
CEO impersonation asking employees to wire money or buy gift cards, or fake supplier invoices with newly "updated" bank details for payment redirection. The email often spoofs a real internal executive's display name and uses an external lookalike domain.
Common subject lines
- "Quick task - need you to buy gift cards"
- "Updated banking details for invoice payment"
- "Wire transfer request - urgent"
- "Are you available?" (CEO impersonation opener)
How to spot a malicious email?
Check the sender's actual address, not the display name
The display name (the human-readable part) is trivial to fake. Always check the full address that comes after it. Common red flags:
- Domain mismatch -
service@paypa1.com,support@micros0ft-help.com, look-alike domains using digits or extra hyphens - Free-email impersonation - any "official" message from a bank, courier, or platform sent from a
@gmail.com,@outlook.com, or@yahoo.comaddress - Reply-To mismatch - the From address looks legitimate but Reply-To points somewhere completely different
Real companies own their domains and send mail from them. A "DHL" message from a Gmail address is never legitimate, regardless of how convincing the body looks.
Watch for urgency, threats, and generic greetings
Scams almost always rush you. The point is to make you act before you think. Treat any of the following as a strong signal:
- "Your account will be deleted in 24 hours"
- "Final notice" / "Immediate action required"
- "Dear Customer" or "Dear User" instead of your real name
- Threats of fines, account closure, legal action, or arrest
- Promises of refunds, prizes, or money you didn't earn
- Spelling and grammar mistakes in messages claiming to come from a major brand
Hover over every link before clicking
On a desktop, hover the mouse over the link without clicking. The real destination shows in the bottom-left status bar of your browser or email client. On a phone, long-press the link to preview the URL.
- Real Microsoft, PayPal, or bank links go to those exact domains, not redirects through unrelated sites
- Shortened URLs (
bit.ly,tinyurl,t.co) hide the real destination - never click them in unsolicited mail - The visible link text and the actual URL must match - mismatches are the single biggest phishing red flag
When in doubt, don't click the link. Open a new browser tab and type the company's address yourself, then log in normally. If there really is an issue with your account, you'll see it there.
Treat unexpected attachments as hostile
If you didn't ask for the file, don't open it - even if it appears to come from someone you know. Categories that should never be opened from email without verification through another channel:
.exe,.scr,.iso,.img,.vbs,.bat- executables, never legitimate attachments.docx,.xlsx,.pptxwith "Enable macros" prompts - the macros run the malware.pdfwith "Click here to view" buttons - usually a phishing redirect, not a real document.zip,.rar,.7zarchives, especially password-protected ones - the password defeats the email scanner
If you only received the email and didn't reply, click, or open anything, the steps below are all you need. Your computer is not infected.
Don't reply, don't click "unsubscribe"
Replying confirms your address is real and monitored, which gets you added to higher-value scam lists. The "unsubscribe" link in a scam message is rarely a real opt-out - it usually leads to a phishing page or downloads a tracking pixel.
Instead, mark the message as junk or phishing inside your email client (this trains the spam filter), then block the sender.
Report the scam to your email provider and authorities
Inside your email client:
- Gmail: open the message → ⋮ menu → Report phishing
- Outlook / Outlook.com: ⋯ menu → Report → Report phishing
- Apple Mail / iCloud: Move to Junk, then forward to
reportphishing@apple.com
Forward or report to authorities:
After reporting, delete the email and empty the Trash folder so you don't accidentally open it later.
Pick the step below that matches what you did. If multiple apply, work through them in the order they appear - the steps are arranged from lowest to highest risk.
You only clicked a link (didn't enter anything or download anything)
Close the page right away. Don't enter any information, even if the page looks legitimate.
- Clear your browser cache and cookies for the last hour - → Last hour → check Cookies and Cached files
- Run a quick scan with Combo Cleaner in case the page tried to drop a file silently (drive-by download)
- Update your browser to the latest version - most drive-by exploits target outdated browsers
- Watch for new browser pop-ups, redirects, or unfamiliar notifications over the next few days
Modern browsers block most drive-by attacks, but a single click on a phishing page can still be enough on an outdated browser or unpatched plugin. A quick scan catches anything that landed silently.
You opened an attachment or downloaded a file - run a full malware scan
Opening an attachment is the most common path to actual infection. Treat the system as compromised until the scans below come back clean. Work through these sub-steps in order:
Unplug Ethernet and turn off Wi-Fi. If the attachment was an info-stealer or remote-access trojan, this stops it from sending data out or receiving commands. Keep the network off until you've booted into Safe Mode (next step) - you'll reconnect there briefly to download the scanners.
Windows 11: → Troubleshoot → Advanced options → Startup Settings → Restart → press 5 or F5.
Windows 10: hold Shift, click Power → Restart → Troubleshoot → Advanced options → Startup Settings → Restart → press F5.
Once Safe Mode has loaded, turn Wi-Fi back on and download Combo Cleaner (used in 8.4) and Microsoft Safety Scanner (used in 8.5). Safe Mode loads only minimal drivers, so most malware can't auto-run while you're getting the tools. Save both installers to your Desktop.
Reboot to normal Windows. Open . Select Microsoft Defender Antivirus (offline scan) and click Scan now. The PC restarts into a stripped-down environment and scans the disk before Windows fully loads - this is what catches rootkits and bootkits.
VB100 certified. Includes anti-trojan, registry/persistence scanning, and anti-spyware in one pass. The 7-day free trial is available.
Download Combo CleanerInstall Combo Cleaner and run a full system scan (not the quick scan). Let it complete fully, review what it found, and apply the recommended actions. Combo Cleaner will quarantine known trojans and remove their persistence in the registry.
Download Microsoft Safety Scanner (MSERT.exe). The binary expires every 10 days, which means every download has the latest signatures. Run a full scan after Combo Cleaner to catch anything one engine alone might miss.
Many email-borne trojans drop adware that hijacks browsers. Reset each browser you use:
Chrome: chrome://settings/reset → Restore settings to their original defaults. Then chrome://settings/content/notifications - remove unfamiliar sites.
Edge: edge://settings/reset. Then edge://settings/content/notifications.
Firefox: about:support → Refresh Firefox.
Open and confirm Real-time protection, Cloud-delivered protection, and Tamper Protection are all on. Then run and update browsers and applications.
If the scans keep finding new threats on each run, or files reappear after deletion, you may have a deeper compromise that needs a clean Windows reinstall. See pcrisk's full manual malware removal guide for the extended procedure (Process Explorer, Autoruns, hosts file inspection).
You entered credentials on a fake login page
Assume the attacker has your password and is using it right now. Speed matters.
- Change the password from a different, known-clean device (your phone is fine if it's not infected). Don't reuse the old password anywhere else.
- Enable two-factor authentication if you haven't already. Prefer an authenticator app or hardware key over SMS.
- Sign out of all sessions - most platforms have a "sign out everywhere" option in security settings, which kicks the attacker out.
- Review recent activity - look for unfamiliar logins, new devices, forwarding rules, or app permissions. Remove anything you don't recognize.
- Check your other accounts - if you reused that password anywhere else, change it there too. Check your exposure at haveibeenpwned.com.
- Update security questions - the attacker may have seen the answers in your account profile.
If you only have time to change one password, change your primary email password - it's the recovery hub for every other account. An attacker who controls your email can reset everything else.
You sent money or shared bank, card, or ID details
Time is the single biggest factor in recovering money. Banks can sometimes recall a wire or reverse a card transaction within the first few hours.
- Call your bank or card issuer immediately. Use the number on the back of the card, not any number from the scam email. Ask them to freeze the card, reverse the transaction if possible, and flag the account for fraud monitoring.
- If you sent a wire transfer or used a money-transfer service (Western Union, MoneyGram, Zelle, Wise), call them directly and request a recall. Some can be reversed within minutes if reported fast.
- If you sent cryptocurrency or gift cards, recovery is unlikely - but report it anyway, since law enforcement tracks these patterns.
- File a police report. You'll need the report number for any insurance, bank, or credit-bureau claim. Save the report number.
- File with the right authority for your country:
- US: ic3.gov + reportfraud.ftc.gov
- UK: reportfraud.police.uk (Report Fraud, the successor to Action Fraud; 0300 123 2040)
- Canada: antifraudcentre.ca
- Australia: scamwatch.gov.au
- EU: your national CERT or police cybercrime unit
- Set fraud alerts on all major credit bureaus if you shared any ID details. US: Equifax, Experian, TransUnion. UK: Experian, Equifax, TransUnion (Cifas Protective Registration is a stronger option).
- Save all evidence - the original email (with full headers), screenshots of the fake site, transaction records, any phone numbers or chat logs.
Final scan and startup-app check
Reconnect to the network and run one final full scan with Combo Cleaner, followed by a Windows Defender quick scan. Then open Task Manager (Ctrl + Shift + Esc) and switch to Startup apps - disable anything unfamiliar.
Make sure Windows, browsers, and any applications you use are fully up to date. The infection vector that worked on you once usually involves outdated software.
Monitor accounts and credit for 30 days
Most fraud follow-ups land in the first month. Until that window closes, keep watching:
- Bank and card statements - daily for the first week, then weekly
- Email - watch for password-reset confirmations or login alerts you didn't trigger
- Credit report - US: free at annualcreditreport.com; UK: Experian, Equifax, TransUnion all have free tiers
- Breach alerts - sign up at haveibeenpwned.com to be notified when your email appears in new leaks
If anything new appears in any of those, treat it as a continuing compromise: change passwords again, contact the bank again, and update the police report.
Important: If you didn't click anything, didn't reply, and didn't open any attachment, your computer is not infected - just delete the email and move on. If you opened an attachment or downloaded a file, run an automated scan with Combo Cleaner and Windows Defender and stop there. That path catches the vast majority of email-borne malware without the risk of breaking Windows by deleting the wrong file.
Frequently Asked Questions (FAQ)
Why did I receive this email?
The specific reason you received this email may vary, but fraudulent or spam emails are often sent indiscriminately to a large number of recipients in the hope that some individuals will fall for the scam or click on malicious links. Cybercriminals cast a wide net to maximize their chances of success.
I have provided my personal information when tricked by this email, what should I do?
Contact your bank or financial institution to report the incident, change your passwords, enable two-factor authentication where available, and closely monitor your accounts for unauthorized activity. Report the scam to the appropriate authorities, such as local law enforcement and relevant cybersecurity organizations.
I have downloaded and opened a file attached to an email, is my computer infected?
If the downloaded file was an executable (.exe), it carries a higher risk of containing malware and running it could potentially infect your system. On the other hand, document files like .pdf or .doc typically pose a lower risk, as simply opening the document does not always lead to an infection.
I have sent cryptocurrency to the address presented in such email, can I get my money back?
Transactions of this nature are untraceable, making it impossible (or very challenging) for you to recover the funds.
I have read the email but did not open the attachment, is my computer infected?
Simply opening an email by itself does not pose any harm. However, engaging with links within the email or opening attached files can lead to potential system infections.
Will Combo Cleaner remove malware infections that were present in email attachment?
Combo Cleaner possesses the capability to detect and eradicate nearly all recognized malware infections. It is important to note that advanced or high-end malware often conceals itself deeply within the system. Consequently, running a comprehensive system scan becomes imperative to ensure thorough detection and removal.
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Tomas Meskauskas
Expert security researcher, professional malware analyst
I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for pcrisk.com since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats.
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DonatePCrisk security portal is brought by a company RCS LT.
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Our malware removal guides are free. However, if you want to support us you can send us a donation.
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