
Workplace MODULE
Invoice and payment fraud
The email that costs the most. Learn the one habit that stops it.
How a criminal turns a real invoice into a payment they receive, why so much of that money is never returned, and the single control that stops it. For anyone who can pay a supplier, change a bank detail or approve a transfer.
- Recognise a redirected payment request, including one inside a genuine conversation.
- Verify a change of bank details through a route the message cannot reach.
- Act in the first hour after a payment has gone to the wrong account.
Your learning path
01The most expensive email you will ever readUnderstand why a redirected payment is the costliest thing an ordinary email can do.Locked02How they knew about your invoiceRecognise why these messages contain details only a genuine sender should know.Locked03The callback, and how to do it properlyCarry out a verification that actually verifies something.Locked04When the pressure comes from insideHold the process when the request comes from someone senior, urgently.Locked05Controls beat vigilanceIdentify the process changes that stop this even on a bad day.Locked06The first hour after it goes wrongAct quickly and in the right order when a payment has already gone.LockedPut your decisions into practice.
Complete each lesson’s scenario, then take eight new questions. A score of at least 80% earns a personal completion record. Retry with feedback; this is a learning exercise, not a timed exam or professional accreditation.
Lessons and scenarios are original Jatzo material informed by published guidance and research:
- UK Finance: annual fraud report 2026
- Payment Systems Regulator: APP fraud reimbursement protections
- Financial Ombudsman Service: fraud and scams, for small businesses
- Report Fraud: reporting a fraud
- FBI Internet Crime Complaint Centre: 2025 annual report
- NCSC: phishing attacks, defending your organisation
