Artificial intelligence has brought incredible innovation — but it has also given scammers powerful new tools. One of the fastest-growing threats today is AI‑driven voice cloning and deepfake scams, where criminals use advanced technology to impersonate people you know and trust.

At Directions Credit Union, protecting our members is our top priority. This guide explains how these scams work, why they’re increasing, and the steps you can take to stay safe.

What Are Voice Cloning & Deepfake Scams?

Voice cloning uses AI to duplicate a person’s voice by analyzing just a few seconds of audio. Scammers can create a nearly perfect imitation of someone’s tone, accent, and speaking style — often pulling voice samples from social media, public videos, or even voicemail greetings.

Deepfakes take this a step further by generating realistic audio and video that appear completely authentic. Criminals may use deepfakes to impersonate loved ones, coworkers, or even financial professionals during live calls or video meetings.

These scams are convincing, emotionally manipulative, and designed to bypass your natural skepticism.

Why These Scams Are Growing So Quickly

1. AI tools are more accessible. Voice cloning software is widely available and easier than ever to use — even for low‑skilled scammers.

2. Only a few seconds of audio are needed. Modern tools require very little voice data to build a realistic clone.

3. We share more audio and video online. Social media gives criminals abundant material to work with.

4. Scammers use urgency and emotion. These tactics make you more likely to act before you verify.

5. Technology keeps getting better. AI-generated voices and videos now sound and look extremely real, making them difficult to detect.

Common Examples of Voice Cloning & Deepfake Scams

✔ “Emergency” calls from family. You receive a frantic call from someone who sounds exactly like a loved one claiming they’re in trouble and need money immediately.

✔ Impersonation of financial institutions. Scammers may pose as Directions Credit Union staff and use a cloned voice to make requests seem legitimate.

✔ Fake manager or coworker requests. Criminals impersonate someone from your workplace to request wire transfers or confidential information.

✔ Deepfake video calls. Fraudsters generate realistic video of a trusted individual to validate urgent or unusual requests.

How to Protect Yourself

1. Don’t react to pressure or fear. Scammers rely on panic. Take a moment to slow down and think.

2. Always verify the caller. If the call feels suspicious, hang up and call back using a known, trusted number — not the number that contacted you.

3. Create a family “safe word”. Establish a secret phrase that only real family members would know. Use it if someone calls requesting urgent help.

4. Limit how much of your voice you share publicly. Avoid posting unnecessary videos or voice notes online.

5. Trust your instincts. If something feels “off” — even slightly — take extra steps to confirm the situation.

6. Never send money based solely on a phone call. Always verify through a secondary method.

7. Use strong security practices. Enable multi-factor authentication, use secure passwords, and monitor your accounts regularly.

How Directions Credit Union Is Protecting Members

We actively monitor emerging threats and continually enhance our internal security practices. Our staff is trained to recognize the latest fraud tactics, including AI-driven scams, so we can better protect you.

Your security matters — and awareness is one of your strongest defenses.

What To Do If You Suspect a Scam

If you receive a suspicious call or message — even one that sounds like someone you love — contact us right away.

📞 Call Directions Credit Union Member Support

🏦 Visit your local branch

💬 Send a secure message through online banking

We’re here to help you stay safe, informed, and empowered.