Fake HR/payroll direct deposit bank account change request — BEC variant targeting employees; real payroll changes go through authenticated HRIS portals (ADP / Paylocity / Workday / Gusto), never cold email.
payroll-direct-deposit-change-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 HR or payroll direct deposit bank account change request — BEC variant targeting employees by impersonating HR, payroll department, or HRIS system. Real payroll/direct deposit changes are processed through authenticated HRIS portals (ADP Self-Service, Paylocity, Workday, Gusto) — cold inbound email requesting new bank account details for payroll routing is high-loss wire fraud. Detection: direct deposit change/update vocabulary + routing number/ACH details/banking form action + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R20; FBI IC3 payroll diversion BEC advisory 2025; ACFE payroll fraud report.
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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