Fake vendor impersonating a known supplier with an attached invoice due immediately and a claim that banking details have changed — BEC payment-diversion fraud; real vendor banking-detail changes are authenticated out-of-band, never via cold email with "process payment to the following account."
fake-invoice-vendor-payment-phish
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Fake vendor impersonating a known supplier or business partner with a plausible invoice number (e.g., "Invoice #8842 due immediately") combined with a claim that banking or payment details have changed and an instruction to process payment to a new account — Business Email Compromise (BEC) payment-diversion fraud, one of the FBI IC3's highest-dollar loss categories. Real vendor banking-detail changes are authenticated through established out-of-band controls (phone callback to a verified number, signed letter on company letterhead, authenticated vendor portal update); a cold email claiming banking details have changed and directing the target to process an invoice payment to a new account is textbook BEC payment diversion. Distinct from wire-transfer-ceo-fraud-phish (executive impersonation / urgent wire / COB deadline) — this targets the vendor-impersonation / attached-invoice / banking-details-changed / process-payment-to-following-account pretext. Detection: attached invoice due immediately + banking details have changed + process payment to following account vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R28; FBI IC3 BEC advisory 2024 (BEC losses $2.9B+); FinCEN BEC payment-diversion advisory; CISA BEC email guidance.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits over 1,800 signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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