“Fear, Isolation, and Extortion: A Voice Phishing Scenario Set to Launch in 2023”



It was in 2006 that the ‘voice phishing’ crime was first officially confirmed.

So far, there have been 278,000 cases, and the scale of damage exceeds 3.8 trillion won.

The techniques are getting more sophisticated day by day.

KBS obtained internal data of this ‘phishing’ organization.

It is a file containing so-called ‘scenarios’ created by assuming various situations to deceive the victim.

Even at this moment, it will be used in call centers built in China or Vietnam.

In order to prevent any further damage, KBS would like to analyze the carefully crafted scenarios and hidden devices of the phishing organization and explain them one by one.

First of all, I am reporter Kim Seong-soo.


A folder labeled ‘Scenario Collection’.

Contains 6 files.

When a phishing organization calls a victim, it is a summary of the expected comments for each situation.

First of all, they impersonate financial and investigative organizations such as the police, prosecutors, chiefs of the Financial Supervisory Service, and bank legal teams.

[실제 보이스피싱 음성①/지난해 10월 : “지금 전화 드린 곳은 강서경찰서 형사과에서 전화를 드렸고요.”]

[실제 보이스피싱 음성②/지난해 10월 : “특별수사 제1부 천OO 검사입니다. 아시겠죠?”]

After embarrassing the victim by saying that he was involved in a ‘crime’, he sends a text message or SNS to forged investigation documents.

[제공:금융감독원 : “사건 번호 2017 조사 5084호 확인되시죠? 공문 아래 보시면요, 요지사항 1번부터 4번까지 기재가 되었을 거예요.”]

The most frequently mentioned charges are ‘prostitution’ or ‘online fraud’.

[보이스피싱 시나리오/대독 : “강남구 ***오피스텔 알고 계신가요? 총 7곳에서 성매매 알선 및 불법자금 혐의로 주범 김상호를 검거를 했는데 혹시 본인과 관계가 어떻게 되실까요?”]

[실제 보이스피싱 음성③ : “저희가 얼마 전에 강남구 선릉에 위치한 오피스텔에서 성매매 알선 및 금융 위반 혐의로 주범 이지연이라는 40대 여성을 검거했는데 혹시 아시는 분이십니까?”]

Even if you haven’t done anything wrong, the fact that an ‘investigation’ is under way right now acts as a pressure that cannot be ignored.

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[보이스피싱 피해자A/음성변조 : “(범죄) 현장에서 제 통장이랑 신분증이 발견됐다고 얘기를 하니까 그래서 혹시나 해서 얘기를 한번 들어보게 되는 거고….”]

A woman in her 30s who fell into this scenario two months ago.

When I was told to contact the prosecutor in charge, I called the number I was given and even threatened, saying, ‘How did you know about the top-secret investigation?’

There was also a threat that ‘you may be arrested if you do not inform the surroundings or cooperate with the investigation’.

[이OO/보이스피싱 피해자/음성변조 : “의심하게 되면 계속 보안수사라는 것을 강조하면서 가족한테도 누설하면 안 된다고 해서 완전 고립을 시키는 거예요. 변호사를 대동해도 못 나온다 최소 10년이다.”]

As such, it was the situational response scenario that neutralized the victims’ suspicions.

[전직 보이스 피싱 콜센터 직원/음성변조 : “(시나리오를) 완벽하게 숙지한 다음에 이제 업무에 들어갔어요. 모의 전화라든가 어떤 상황에서 어떻게 말해야 하는지 문제 같은 것도 내면 통과를 해야지 실제 업무를 할 수 있었고.”]

[이OO/보이스피싱 피해자/음성변조 : “‘원래 공문은 등기로 다 와야 하는 거 아니에요?’라고 하면 ‘네, 선생님’ 이렇게 하고 이제 이렇게 좔좔 나온단 말이에요. 대답이 청산유수로 나왔는데…”]

Mr. Lee eventually put six credit cards in his home mailbox as the ‘fake prosecutor’ ordered.

I thought the authorities would take it and clear the name, but the card went to a phishing organization and they took over 300 million won.

[이OO/보이스피싱 피해자/음성변조 : “대본 그대로 읽었구나. 제가 이제 질문을 만약에 약간 방향을 다르게 해도 결과적으로는 같은 대사가 돌아오는 거예요. ‘단 1원이라도 환수가 안 되면 나는 혐의에서 벗어날 수 없다’.”]

This is Kim Seong-soo from KBS News.


Once they have determined that they have successfully defrauded their victims in the first round, phishing organizations now attempt to completely isolate their victims.

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The method of extorting money after driving them into accommodations and ‘cutting off’ them from family or acquaintances is becoming popular these days.

Reporter Choi Hye-rim continues to report.


A man is arrested by the police in front of a hotel.

This is a voice phishing ‘cash collection book’.

The victim who gave him the money stayed at the hotel for two days as the phishing organization ordered and handed over 27 million won.

Physically ‘isolating’ the victim from family or acquaintances was a new key method in the phishing scenario obtained by KBS.

[보이스피싱 시나리오/대독 : “‘현재 통화 받는 위치가 어떻게 되세요?’, ‘자차로 이동하시고 없으면 외부로 이동하고 말씀하세요.’, ‘집안일 때문에 조퇴한다고 말씀하시는 것이 제일 좋겠죠?'”]

This urgent order is delivered.

[금융감독원 제공 : “녹취 중에 주위 잡음이 너무 많이 섞인다거나 제3자의 목소리가 섞인다거나 대화를 하실 수가 없습니다. 왜냐면 법정에서는 본인 육성만이 증거자료 용도예요. 조용한 공간 (숙소)에서 이 전화를 받으실 거예요.”]

Last month, Mr. Won Mo, a 20-something who received a call from a person called ‘Prosecutor’, also fell into this trap.

Since he was involved in a serious crime, it was an instruction to take leave from the company and stay at the accommodation for the time being.

It was said that there would be a problem if the surroundings were notified, and it was monitored by voice talk 24 hours a day.

[원OO/보이스피싱 피해자/음성변조 : “제가 조사를 받고 있는 상황이라서 제 자취방이나 이런 다른 곳에 있으면 안 된다. 그러니까 일단은 자기가 찍어준 호텔로 가서 택시로 이동을 해라…”]

Thus, during the four days and three nights at the hotel, the phishing criminals extorted 79 million won from Mr. Won under a clever pretext.

He said that he had to recover the ‘crime proceeds’ first, and he had to rob the deposit he had and pay the loan.

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[보이스피싱 시나리오/대독 : “‘괜히 불법대출자금 때문에 선생님께서 구속수사로 전환될 수 있으시니까 이 점 꼭 인지 부탁드립니다.’, ‘근처에 숙박 시설 있으면 그쪽으로 이동하시고, 추가적으로 진술 먼저 받을 거고요.'”]

In case the victim becomes suspicious or does not respond to ‘isolation’, phishers continue to increase the intensity and ‘scare’.

[실제 보이스피싱 음성/검사 사칭 피싱범/지난해 10월 : “대답! (넵) 대답!!! (넵) 내가 ‘넵’ 그딴 식으로 하지 말랬지. 검사가 한가한 줄 알아요?”]

The ‘pressure’ culminates in the statement that ‘sin’ may be added if you do not cooperate.

[보이스피싱 시나리오/대독 : “아직 잡히지 않은 공범들이 사건 내용을 보게 되면 어떻게 되겠습니까? 해외로 도주를 하거나 자금 은닉을 할 수 있겠죠. 그러면 저희 검찰에서는 남은 범죄자들 검거하기가 힘들겠죠? 사건 관련 유포 시에는 공무집행방해죄로 처벌받으실 수 있습니다.”]

[이기동/한국금융범죄예방연구센터 소장 : “대한민국에서 수사받았던 사람들이 몇 명이나 되겠습니까? 이렇게 검찰청에서 움직이는가보다 경찰에서 움직이는가보다, 경험이 없었던 사람들은 이렇게 당할 수밖에 없는 구조죠.”]

In the past, voice phishing mainly targeted the elderly who did not have a social life.

But now, it has evolved into an intelligent crime that anyone of any age can be subjected to.

[전직 피싱 콜센터 직원/음성변조 : “개인정보를 다 알고 있어서 그분들 신용 조회를 하거든요. (시나리오가) 신용등급에 따라서 달라지거나, 연령대나 그리고 여성 남성도 달라지고 그렇습니다.”]

[원OO/보이스피싱 피해자/음성변조 : “윽박지르고 화내고 협박하는 부분에서 흔들린 것 같아요. 이걸 잘 못 하게 되면 진짜로 신상에도 문제가 되고 지금 잘 다니고 있는 회사도 못 다니게 되는 건가 이런 불안감이 들면서 일단 하라는 대로 해야겠다 생각부터 먼저 들었던 것 같아요.”]

This is Choi Hye-rim from KBS News.

Cinematographer: Hong Seong-baek Heo Su-gon/Video editing: Kim Seon-yeong/Shin Nam-gyu/Graphics: Seo Su-min

2023 voice phishing scenario_KBS distribution [PDF]

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