Listed below are common signs that a caller may be a phisher or fraudster, and not the client: 

1. Provides incorrect fundamental personal information, hesitates providing this information, or cannot provide this information, such as: 
   • first and last name
   • date of birth
   • social security number
2. Calls from a phone number that is not on file
3. Caller's voice:
   •  does not match client's information:
     • gender
     • age
     • etc.
   • does not match previous calls with client
   • sounds:
     • muffled
     • full of static
     • electronic 
     • distorted
     • nervous or hesitant
   • cuts in and out
4. Caller asks for information they should already know:
   • what accounts they have with the bank
   • where they opened the account
   • original loan amount
   • line of credit limit
   • who signs on the account
5. Caller at any time changes his/her identity: 
   • my dad... I mean, "I"
   • speaks about the client in third person
6. Interaction history flags:
   • multiple calls in a short period of time, especially:
     • never called before
     • unable to identify and/or red flag contact reasons