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What Are AI-Driven Phone Scams? 

Bad actors are using AI to recreate the voices of people close to us. They use these AI “deepfakes” to trick their targets into handing over their hard-earned money — or even that of their employers. These AI tools are cost-effective, simple to use, and can accurately mimic a voice with just a small sample. 
 
Your CEO may call asking for an urgent wire transfer, your child or grandchild may seem to be in trouble with the law, or a family member may sound like they’re being held hostage. 
 
In an AI-driven scam, the familiar voice you hear on the phone is cloned to say scripted lines or synthesized over a fraudster’s own voice. This form of fraud is becoming more prevalent, and the AI tools needed to pull it off are widely available.

Why AI Scams Are So Convincing 

Like many modern scams, these tactics rely on creating a sense of urgency, fear, authority, or familiarity to pressure their victims. Easily accessible AI tools only make it easier for bad actors to manipulate emotions. 
 
When the voice on the other end sounds like someone we know, we naturally let our guard down — especially if they claim to be in trouble. The sense of urgency the fraudster creates can cloud judgment, causing victims to overlook basic warning signs. 

Red Flags to Watch for and How to Protect Yourself 

If you ever find yourself in this situation, there are signs that can help you identify whether the call is legitimate. 
 
Even though AI can recreate a familiar voice, there are often subtle clues that something is off — such as robotic pauses, awkward timing, or an unnatural tone. The caller will typically make urgent requests for money, gift card numbers, or personal information. 
 
Four ways to protect yourself and loved ones from AI scams: 

• Avoid answering calls from unknown numbers. This helps you avoid scams and prevents fraudsters from recording your voice to use in future scams. 

• If you answer, don’t speak first. Wait for the caller to speak. If you’re met with silence or a delay, hang up. 

• Verify the caller’s identity. If it’s supposedly a coworker or supervisor, contact them using verified contact information. If the caller claims a family member is in danger, reach out to that person directly via text or another known method. 

• Use a family “safe word.” Establish a code word or phrase that only close family members know to confirm a real emergency. Keep it private and use it sparingly.