How criminals are using artificial intelligence

Artificial intelligence (AI) is transforming the way we live and work — but it’s also changing how criminals commit fraud. While AI can help businesses detect suspicious activity, scammers are now using the same technology to make their schemes more convincing and harder to spot. For Winnipeg residents, understanding how AI is being used in fraud is the first step toward staying protected.

In the past, scam emails were often easy to recognize because of poor spelling and awkward grammar. Today, AI tools can generate polished, professional-looking messages in seconds. These emails may appear to come from banks, delivery services, or even local organizations. They often create urgency — claiming there’s a problem with your account or a missed package delivery. The goal is to get you to click a link or share personal information. Always verify by contacting the organization directly using the official phone number or website — not the link provided in the message.

One of the most alarming uses of AI is voice cloning. With just a short audio sample from social media or voicemail, scammers can create a realistic imitation of someone’s voice. In some cases, fraudsters call pretending to be a grandchild or family member in distress, urgently asking for money. The voice may sound frighteningly real. If you receive a distress call from a loved one asking for money, pause and verify. Call them back directly or contact another family member before taking action.

AI can also generate fake videos that make it appear as though someone is saying or doing something they never did. While this technology is still evolving, experts warn it may increasingly be used in business fraud or impersonation scams. These AI-generated videos are increasingly being used in romance scams and investment scams, sometimes featuring impersonations of celebrities or public figures.

AI allows criminals to send thousands of personalized scam messages quickly. Instead of generic greetings like “Dear customer,” emails may now include your name, address, or other publicly available information to seem legitimate. Just because a message includes personal details doesn’t mean it’s real.

Technology may be advancing, but so can our awareness. A healthy dose of skepticism — and a willingness to verify before acting — remains one of the strongest defenses against fraud.

Learn how to recognize, prevent, and report scams at JustHangUp.ca.

Or visit the Canadian Anti-Fraud Centre website at www.antifraudcentre.ca.