The fake HR payroll update request
A notice claiming a new policy requires employees to update their bank or payroll details through a linked form.
The scenario
This is an illustrative training example, not a real request from Claro or any HR team. In this scenario the email appears to come from 'HR' or a 'Payroll Team' and says a new policy requires you to re-submit your bank account details or confirm payroll information through a linked form. It reads like a normal internal announcement and often lands close to payday.
The pretext relies on how much people care about being paid correctly and on time. A request from HR feels routine and non-optional, so employees tend to comply rather than question it. The linked form looks like an ordinary internal survey or update page, which makes handing over sensitive details feel like a normal task.
It reaches staff directly in the work inbox, sometimes reinforced by a follow-up reminder to create a sense of an official, deadline-driven rollout. Timing it around payday or a benefits cycle makes the story more believable, because employees expect payroll-related admin during those windows.
It is convincing because it targets the one thing everyone acts on quickly: their salary. The fear of a delayed or missed payment discourages careful checking, and the form quietly collects full bank account numbers and personal identifiers. Once submitted, those details can be used to redirect pay or commit wider identity fraud.
Red flags to spot
A request to re-enter your full bank account number outside your usual HR system
Established HR platforms already store this data, so a fresh request that bypasses the system is unusual.
Pressure tied to a payday deadline to submit your details
Attackers use payday urgency because it makes people less likely to pause and verify.
A link that leads to a form hosted outside your company's known HR domain
A payroll update on an unfamiliar domain is a strong sign it is not run by your real HR system.
No option to update details in person or through a known HR contact
Genuine HR processes usually offer an alternative to an email link, such as a helpdesk ticket or an in-person request.
The message asks for extra personal identifiers alongside your bank details
Collecting ID numbers together with banking data points to identity theft, not a simple payroll update.
The sender or reply-to address is not your organization's normal HR mailbox
Real HR communications come from an internal, recognizable address rather than an external or slightly altered one.
The lesson
Update payroll or banking details only inside your verified HR system, which you open yourself rather than through a link in an email. Confirm any unusual or urgent request directly with HR using a phone number or contact you already know, and never enter your account details on a form you reached from a message. If the request cannot be confirmed, do not submit anything and report the email to HR and your security team.
These are illustrative examples built for training purposes only, not real messages sent by Claro or any actual organization.
Frequently asked questions
Tell HR and your security team right away, and contact your bank to watch for unauthorized changes or transfers. Ask HR to confirm your correct payroll details are still on file so your salary is not redirected. Quick action helps stop a fraudulent payment before the next pay run.
Related pages
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Learn moreBank Account Verification
An email or SMS claiming to be from a bank warns of a suspicious transaction and asks you to verify your account through a fake login link.
Learn moreFake DJP Tax Refund Notice
A message impersonating the Directorate General of Taxes (DJP) claims you have a refund waiting or overdue tax to pay, and pushes you to click a link before a deadline.
Learn moreRun these patterns as real simulations
Claro turns each of these lures into a localized, trackable phishing simulation your team can learn from safely.
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