Stanislav Kuznetsov, Sberbank: On the issue of cybersecurity, you have to cut to the quick. Kuznetsov stanislav konstantinovich sberbank reception phone. Stanislav Kuznetsov: We have accumulated a lot of information about scammers. How does Sberbank develop relations

Stanislav Kuznetsov grew up in a military family. Born in Leipzig on July 25, 1962. He has a military and legal education. Graduated from the Red Banner Institute of the Ministry of Defense in 1984 and the Law Institute of the Ministry of Internal Affairs of the Russian Federation in 2002, candidate of legal sciences. In addition to Russian, he speaks two foreign languages, Czech and German. Married, father of two daughters.

At the moment, he is the Deputy Chairman of the Board of Sberbank. Owns a stake in the authorized capital of the bank and ordinary shares. In the interval between military service and banking activities, he held managerial positions in the government of the Russian Federation, was a member of various councils.

Career

He began his career, like his father, with service in the Armed Forces from 1980 to 1998, after which he was transferred to the International Cooperation Department of the Ministry of Internal Affairs of the Russian Federation. At the time of his dismissal in 2002, he held the position of 1st Deputy Head of the Department and was in the rank of colonel.

After leaving the service in the Ministry of Internal Affairs, he moved to the Ministry of Economic Development and Trade of the Russian Federation. Until 2004 he headed the administrative department. From 2004 to 2007 was a director in the department of administration of the Ministry of Economic Development and Trade.

2007 becomes a busy year in the career of Stanislav Konstantinovich. Due to the fact that in 2006 the Government allowed ministers to increase the number of deputies to five, in April 2007 Kuznetsov took the position of the fifth deputy minister of economic development. According to Gref, the main task of the fifth deputy will be the implementation of the federal program for the development of the city of Sochi as a resort.

In September 2007, by the Decree of the President, he is a member of the Council for the Development of Physical Culture and Sports.

In October, Stanislav Kuznetsov is included in the ranks of the commission for the protection of state secrets.

In November, he becomes a member of the Supervisory Board of the State Corporation for the Construction of Olympic Facilities and the Development of Sochi as a Mountain Climatic Resort.

At the beginning of 2008, following his boss German Gref, he left the post of Deputy Minister on his own initiative. Immediately after that, he takes the post of senior vice president and becomes a member of the board at Sberbank. According to Stanislav Konstantinovich, the transition was not directly related to the Olympiad. But even while working at Sberbank, they both make a great contribution to the preparations for this event.

In October 2010, Stanislav Kuznetsov takes the next step up the career ladder. He, as in the ministry, becomes Gref's deputy, and holds the post of deputy chairman of the board of Sberbank. While in office, Kuznetsov is responsible for the work of the Administrative Unit, coordinates the bank's security departments, and manages the regional directorate of the cash circulation management center.

In the spring of 2012, Stanislav Kuznetsov became responsible for the Olympic construction at Sberbank, and for a certain period, he was personally present there.

Contribution to the Sochi Olympiad

In preparation for such a large and significant project for the country as the Olympic Games, many government and commercial structures were involved. Of course, the largest bank in Russia also took part in the preparations for this event. Sberbank was not only the general partner of Sochi 2014, but also a co-investor in the construction of the springboard complex and the media village.

After the scandal involving the vice-president of the Russian Olympic Committee due to the delay in the preparation of the Olympic village and its facilities, the government shifted responsibility for the construction of the media village to Sberbank. And the Balilov brothers, accused of causing damage to Sberbank, sold their shares in Krasnaya Polyana OJSC, which was building the Gornaya Karusel tourist complex, and left the country.

Stanislav Kuznetsov was appointed to supervise this direction in the bank. He was one of those who had to work, as they say, in the field. Personal presence was needed in the fall, when it became clear that the contractors were not coping and not investing on time. His duties included both communication with the general contractor, as well as with local officials and independent experts.

Kuznetsov had to recruit a team of Sberbank employees to work as foremen at Olympic venues. Since the bank is not a construction organization, it was necessary to gather people from all over the country from real estate management units. At the peak moment, the size of the operational group under the control of Kuznetsov reached eighty people.

Thanks to well-established communication with local construction organizations, Kuznetsov managed not to fail the deadlines for the delivery of Olympic facilities, even when the Turkish contractor, initially chosen by the bank, let him down.

On the Promises.Ru promise control service, you can read the statement of Stanislav Kuznetsov during the period of sharp currency appreciation and general panic. As deputy chairman of the board of Sberbank, he stated that the bank will not limit the issuance of cash to its customers and will even increase the load of ATMs due to increased demand: “I can firmly state that Sberbank has not introduced any restrictions and does not plan to introduce them. Moreover, we We are ready for this situation of increased demand of the population for cash and we will provide any needs of the population for them, so that people can get everything they want." Also, contrary to some panic rumors, it was promised that cooperation with Visa and MasterCard payment systems would not stop. The promises made by Kuznetsov turned out to be true.

Awards and Acknowledgments

Hard work has been repeatedly marked by state awards and thanks. Kuznetsov Stanislav Konstantinovich was awarded the Orders of Honor, Friendship, Alexander Nevsky, the Order of Merit for the Fatherland, fourth degree, certificates of honor from the Government of the Russian Federation and the President. He was awarded gratitude from the President of the Russian Federation.

Stanislav, what trends do you see in banks in terms of cybersecurity? Where are the risks the greatest? Where do you see challenges?

— If we are talking about our bank, then I would start with the development of cyber culture and cyber literacy. In this area, we note a strong breakthrough compared to other credit institutions, both in Russia and in other countries of the world. But this is never enough, because cyber culture, cyber hygiene and cyber literacy are areas in which work must be carried out continuously. This will help to counteract fraudsters more effectively: if everything is in order with cyber literacy, then there is no need to fight phishing with a set of resource-intensive methods - people will simply know what not to do, which creates a threat. And it will become a habit. The significance of this challenge for us also lies in the fact that we have to change people's behavior.

The second challenge is cyber risk management. We at Sberbank are talking about the unique reliability of our systems. This means that we take responsibility for managing the risks that fraudsters may pose to our customers. Note that the question is not only about the bank, the question is about the customers. That is, we go further and talk not only about protecting the bank, but also about protecting customers, because they are part of our system. In this sense, our success in combating fraud in the field of social engineering is indicative. I will note that Russian banks and financial institutions are struggling to cope with this evil. The situation is better in large corporations, but no one has learned to deal with it 100%. After all, when a person voluntarily sends money to a scammer’s account, and even when they tell him that this is a scammer, but he doesn’t believe it, then in such a situation one cannot speak of 100% efficiency. However, to bring to some unique level of probability is in our power. Currently, the average accuracy of fraud detection for world-class payment systems, such as Visa and Master Card, is approximately 85-87%. We have achieved more: our anti-fraud systems, which work on artificial intelligence technologies, already today have an indicator at the level of 96-97%. We have the opportunity to somewhat improve even this high figure, but here, unfortunately, not everything depends on us.

In general, in cybersecurity one should always see the so-called client path, who attacks the client and how. There is very little research on this topic, but we have been keeping records for a year now. We are trying, in fact, to predict the threats that may arise tomorrow or the day after tomorrow. And build their own systems that can hedge the risks that may arise in a few years. This is a unique work, and, in our opinion, none of our partners or competitors have gone that far.

And third. We are the largest financial corporation in Russia, we are a socially responsible company. We understand that we have areas where we must help society. This means that we have a large field of activity in terms of cooperation with our legislators in the development of draft laws and amendments to the current legislation. This includes working with law enforcement agencies - how to detect fraud, how to document it. These are also questions related to how the judicial and law enforcement systems should change, which, unfortunately, are still following the development and crimes in the field of high technologies. There is a lot to be done here, and our experience is in great demand.

There is a big discussion right now about whether banks should declare cyber incidents. Of course, from some significant level. Is it worth it, in your opinion?

- I think it's worth it. This is a global practice, and only by understanding your shortcomings can you build something unique in this area and move forward. As for Sberbank, we took this path a long time ago and publicly announced the concept of zero losses in our key systems, zero losses from DDoS attacks for our clients, and so on. In other words, the activities of the bank will not be suspended for a second due to the activities of hackers, moreover, none of the clients will lose funds. This is our KPI, we keep it, and this is a big job for us.

Secondly, we are returning to social engineering again - we have something to work on here. We are seeing great difficulties associated with the perception of cybersecurity and cyberculture issues by other credit institutions that do not want to highlight their losses in the public plane. Even when submitting applications to law enforcement agencies, many try not to talk about real damage, because this will lead to a decrease in reliability ratings, and this is not a very good signal for customers of a particular bank. There are cases when banks did not report such incidents at all, they simply hid the facts of attacks and theft of funds from accounts - sometimes it is more profitable for them to lose several million dollars than to tell the public about it. And why is it bad? Because, without having accurate information about the state of affairs, about the diagnosis, it is impossible to treat the disease.

What is the concept of cyber protection in Sberbank? Does it provide the required parameters?

— It is important to admit that now, looking back 4 years ago, we understand that at that time the concept of cybersecurity in Sberbank was very far from any acceptable picture. But we found the strength to recognize this fact, to understand that we need to take unpopular measures - change processes 100 percent, invite new people to the team, start from scratch. And go towards creating the best platform in the world. At the same time, we went around “with our own feet” and looked at the best world practices: in banks, in large technology companies, in fintech. And well understood how it should be done. We went this way and finished the work about two years ago. Since then, we have been working in a different coordinate system in terms of reliability and cybersecurity for the bank, for clients. It's a completely different paradigm.

Let me give you a few numbers as an example. Our Cyber Defense Center works 24/7, and its systems analyze the order 4.5 billion risk events per day. And this figure is growing due to the fact that the system becomes “smarter” and sees more and more new threats. Of those 4.5 billion about 150-170 events— Suspicion of incidents that require "manual handling".

Stanislav, please tell us about cooperation with BI.ZONE. In what directions will it develop?

— Let's start with the fact that BI.ZONE is a subsidiary of Sberbank. The main areas of activity are, firstly, ensuring the operation of the bank in terms of information protection according to a special scenario. Second: BI.ZONE, of course, develops its own systems. In particular, the BI.ZONE Cloud Fraud Prevention fraud monitoring platform was developed and implemented, which is already protecting our subsidiary bank in the Republic of Kazakhstan and will soon fully protect Sberbank in Russia. Based on feedback from customers and a number of cybersecurity experts, this product can be said to be superior in capabilities to what RSA, a leader in its field, offers a kind of benchmark.

It is clear that the circle of interests of the company does not end there - BI.ZONE has a very strong team and unique specialists, there are products and services for a wide variety of areas and industries, which allows it to cover security requests as comprehensively as possible - from cyber intelligence and proactive defense to investigation cybercrime and evidence base preparation. Moreover, the company even built a cyber risk insurance system. I think BI.ZONE has great potential.

In June, we are holding a large-scale conference, which has no analogues - no one has done this before. We are talking about Global Cyber Week, which will be held from June 17 to 21 in Moscow, and it will consist of several modules. The first module is OFFZONE, where the world's cybersecurity stars will present their research and developments in the industry. This event is aimed at technically educated youth. From our point of view, a hacker is not a scammer, but a “vulnerability seeker”. And the main question for us is: in what direction will he direct his abilities and the information he has obtained. We would like to motivate young and talented specialists to make not only our systems, but also the life of people in general, safer by searching for such vulnerabilities.

The second module is Cyber Polygon. As part of this event, an international training session will be held to work out several scenarios for global infection of systems, and here various interactions will be built during the attack period, including between banks. And of course, together we will look for ways to save financial systems, customer accounts and their funds. No one has done this type of training before.

And the third, key event of Global Cyber Week is the International Cybersecurity Congress, which will be held on June 20-21, 2019 at the World Trade Center. The International Cybersecurity Congress is a unique platform created by us to bring together government officials, top management of the largest technology corporations and recognized industry experts for an open dialogue on global cybersecurity issues. In the context of geopolitical turbulence, such platforms begin to play a special, very important role: for example, the first congress, organized by Sberbank with the support of the Association of Banks of Russia and ANO Tsifrovaya ekonomika, took place in Moscow on July 5-6, 2018 and brought together over 2500 participants, 700 organizations from more than 50 countries. President of Russian Federation VladimirPutin personally welcomed the guests of the congress with an opening speech. This year the event will become even more ambitious - we are preparing three times more sessions and reports, organizing discussion tracks parallel to the main program, and significantly improving the base of partners. The program is currently under development and is constantly being updated; this information is already available on the congress website.

What is behindGlobal Cyber week? Do you have ambitions to enter the international market as a cybersecurity player?

— By and large, we have already reached the international level. For example, within the framework of the World Economic Forum, we are actively working on the formation of international recommendations in the field of cybersecurity. These things cannot be underestimated - all the high-profile attacks, which have already become textbook, could be leveled through the instruments of international cooperation. Such mechanisms need to be created, and we have room to grow.

1984 Military Red Banner Institute Military-political, foreign languages Officer with higher military-political education, translator-referent German, Czech translator 2002 Law Institute of the Ministry of Internal Affairs of the Russian Federation Jurisprudence PhD in Law

WITH	organization	position
1	2	3
30.01.2008		Senior Vice President

WITH	on	organization	position
1	2	3	4
09.04.2002	23.04.2007		Head of the Administrative Department; Director of the Department of Administration
24.04.2007	29.01.2008	Ministry of Economic Development and Trade of the Russian Federation	Deputy Minister
	0
	0
	0
	0
	0
	0
	No
	No
	No

15. Surname, name, patronymic, year of birth: MOROZOV ALEXANDER VLADIMIROVICH, born in 1969
1995 Moscow State University. M.V. Lomonosov, Economic theory, economist

WITH	organization	position
1	2	3
12.05.2008		Director of Financial Management

WITH	on	organization	position
1	2	3	4
01.10.2001	31.12.2005		Head of the Treasury
01.01.2006	31.05.2007	CJSC "International Moscow Bank"	General Manager, Head of Treasury
02.07.2007	08.05.2008	CB Renaissance Capital (LLC)	Executive Vice President, Chief Financial Officer
	0
	0
	0
	0
	0
	0
	No
	No
	No

16. Surname, name, patronymic, year of birth: ORLOVSKY VIKTOR MIKHAILOVICH, born in 1974

Information about education: Higher

1996 Tashkent Electrotechnical Institute of Communications

Automatic telecommunications

Automatic telecommunication engineer

2001 Moscow State University of Economics, Statistics and Informatics

Finance and credit

Economist

Positions currently held, including part-time:
WITH	organization	position
1	2	3
30.01.2008	Joint Stock Commercial Savings Bank of the Russian Federation (Open Joint Stock Company)	Senior Vice President
Positions held over the past five years, including part-time positions (in chronological order):
WITH	on	organization	position
1	2	3	4
26.11.2001	13.01.2006	OJSC "Alfa-bank"	Deputy Chief Information Officer, Senior Vice President; Director of the Department for Quality Management of Processes and Projects; Director for Development and Support of Products and Operations of the Retail Business Block
16.01.2006	25.01.2008	IBM Eastern Europe/Asia LLC	Deputy Director
Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

17. Surname, name, patronymic, year of birth: Pesotsky Vladimir Filimonovich, born in 1940

Information about education: Higher 1968 Altai Polytechnic Institute Industrial and civil construction civil engineer 1975 Higher Party School under the Central Committee of the CPSU


WITH	organization	position
1	2	3
12.09.1991	Altai Bank of the Joint Stock Commercial Savings Bank of the Russian Federation (Open Joint Stock Company)	Chairman

Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,002%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

18. Surname, name, patronymic, year of birth: RYBAKOVA GALINA ANATOLYEVNA, born in 1956
Information about education: Higher 1978 Moscow Financial Institute Finance and credit Economist PhD in Economics


WITH	organization	position
1	2	3
26.10.2000	Joint Stock Commercial Savings Bank of the Russian Federation (Open Joint Stock Company)	Branch Office Director
Positions held over the past five years, including part-time jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.
Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,003%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

19. Surname, name, patronymic, year of birth: Salonen Ilkka Seppo, born in 1955
Information about education: Higher 1981 University of Helsinki regional studies Regional expert Master of Political Science in Economics and Statistics
Positions currently held, including part-time:
WITH	organization	position
1	2	3
04.06.2008	Joint Stock Commercial Savings Bank of the Russian Federation (Open Joint Stock Company)	Deputy Chairman of the Board
Positions held over the past five years, including part-time positions (in chronological order):
WITH	on	organization	position
1	2	3	4
30.10.1998	31.01.2007	CJSC "International Moscow Bank"	Chairman of the Board
01.05.2007	30.04.2008	LLC Managing Company Renaissance Capital	The president
Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

20. Surname, name, patronymic, year of birth: SOLOVIEV ALEXANDER KIRILLOVYCH, born in 1949

Information about education: Higher

1973 Voronezh State Pedagogical Institute

High school physics teacher

1982 Voronezh Polytechnic Institute

Economics and organization of the engineering industry

Economic Engineer

Stake in the authorized capital of the credit institution - issuer	0,01%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,01%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

21. Surname, name, patronymic, year of birth: Sundeev Vladimir Borisovich, born in 1961

Information about education: Higher

1984 Leningrad Higher Marine Engineering School. Admiral S.O. Makarova

Arctic faculty, meteorology

Meteorological engineer

1997 Institute for Retraining and Advanced Training of the Financial Academy

Under the Government of the Russian Federation

Banking

Economist

Positions currently held, including part-time positions (positions held over the past five years):

Positions held over the past five years, including part-time jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

22. Surname, name, patronymic, year of birth: SUKASEV LEONID MIKHAILOVICH, born in 1953

Information about education: Higher

1974 Sverdlovsk Law Institute

Jurisprudence

Positions currently held, including part-time positions (positions held over the past five years):

Positions held over the past five years, including part-time jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

23. Surname, name, patronymic, year of birth: SCHURENKOV VIKTOR VASILIEVICH, born in 1951

Information about education: Higher

1976 Kuibyshev Polytechnic Institute

Automation and telemechanics

Electrical Engineer

1997 Samara State Economic Academy

Finance and credit

Economist

Positions currently held, including part-time positions (positions held over the past five years):

Positions held over the past five years, including part-time jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,004%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons who are members of the management bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (presence of a criminal record) for crimes in the field of the economy or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

President, Chairman of the Board of Sberbank of Russia - GREF GERMAN OSKAROVICH

5.3. Information on the amount of remuneration, benefits and/or reimbursement of expenses for each management body of the credit institution - issuer.

No payments related to 2007 and related to their participation in this management body of the Bank were made to the members of the Supervisory Board.

Information on existing agreements regarding the payment of income (remuneration): The development of principles and criteria for determining the amount of remuneration for members of the Supervisory Board is within the competence of the Human Resources and Remuneration Committee of the Bank's Supervisory Board. Decisions on the payment of remuneration to members of the Supervisory Board of Sberbank of Russia related to their participation in this bank management body are made at the annual general meeting of shareholders of Sberbank of Russia.

At the annual general meeting of shareholders of Sberbank of Russia, which took place on June 27, 2008, a decision was made to pay remuneration to members of the Supervisory Board in the amount of 1 million rubles each with their consent in accordance with the legislation of the Russian Federation.

The amount of payments to members of the Bank's Management Board for 2007, including wages, monthly and quarterly bonuses, remuneration based on the results of 2007, amounted to 891,112,187 rubles.

The amount of payments to members of the Bank's Management Board for 2008, accrued in the first half of 2008 and including wages, monthly and quarterly bonuses, amounted to 129,102,619 rubles.

Information on existing agreements regarding the payment of income (remuneration): Development of principles and criteria for determining the amount of remuneration of the President, Chairman of the Board and members of the Board of the bank is within the competence of the Human Resources and Remuneration Committee of the Supervisory Board of the bank. Payment of remuneration and compensation is carried out in accordance with the terms of agreements concluded with the President, the Chairman of the Board and members of the Board of the bank. There is no practice of paying commissions or other property representations to members of the Management Board in Sberbank of Russia.

5.4. Information on the structure and competence of the bodies controlling the financial and economic activities of the credit institution - the issuer.

Control over the financial and economic activities of the Bank is carried out by the audit commission elected by the annual general meeting of shareholders of the Bank for a period until the next annual general meeting of shareholders in the amount of 7 members.

The Audit Commission checks the Bank's compliance with legislative and other acts regulating its activities, the establishment of internal control in the Bank, the legality of the operations performed by the Bank.

The Audit Commission is obliged to:

Conduct an audit of the financial and economic activities of the Bank based on the results of activities for the year, as well as at any time on the initiative of the bodies and persons named in the Federal Law "On Joint Stock Companies", the Charter of the Bank and the Regulations on the Audit Commission of the Joint Stock Commercial Savings Bank of the Russian Federation (open joint stock society);

Assess the reliability of the data included in the Bank's annual report and contained in the Bank's annual financial statements.

Information on the system of internal control over the financial and economic activities of the credit institution - the issuer.

Since the formation of the Joint Stock Commercial Savings Bank of the Russian Federation (open joint stock company), an internal audit service has been operating in it - the Internal Control Service of Sberbank of Russia. As of the reporting date, the Head of the Internal Control Service of the Bank is Acting Director of the Department of Internal Control, Audit and Audit - O.V. Chistyakov.

The Internal Control Service of the Bank is accountable to the Supervisory Board, the President, the Chairman of the Board of the Bank and the Board of the Bank.

The main functions of this service are:

Verification of the completeness and effectiveness of the Bank's methodology for assessing banking risks and banking risk management procedures;

Checking the reliability of the functioning of the internal control system for the use of automated information systems, including monitoring the integrity of databases and their protection from unauthorized access and (or) use;

Checking the reliability, completeness, objectivity and timeliness of accounting and reporting (for external and internal users), as well as the reliability and timeliness of the collection and presentation of information and reporting;

generalization and analysis of the results of inspections by external control and supervisory bodies, systematization of violations, errors and omissions in the work of the Bank's divisions identified during inspections, control over the elimination of violations, etc.

Information on the availability of an internal document of the credit institution - issuer that establishes the rules for preventing the use of official (insider) information.

In accordance with the requirements set by the Federal Commission for the Securities Market for professional participants in the securities market, Sberbank of Russia developed a "List of measures aimed at preventing the misuse of proprietary information in the course of Sberbank of Russia's professional activities in the securities market" dated August 20, 2003. No. 1151-r, agreed with the Federal Commission for the Securities Market on November 11, 2003.

Web page address: The text of the document is available on the bank's website -

Sberbank has completely overhauled its cybersecurity system to use artificial intelligence to protect customers' money and information from hackers who are using increasingly sophisticated methods of theft. How to protect money from cyber scammers, about blacklists of clients, "white" and "red" hackers, cooperation with the FSB and Interpol, robotization, reconfiguring ATMs to accept new banknotes and building a "smart city" in Moscow in an interview with RIA Novosti said the deputy chairman of the board Sberbank Stanislav Kuznetsov. Interviewed by Elena Medvedeva and Gulnara Vakhitova.

On New Year's holidays, people traditionally relax and lose their vigilance. What advice would you give to our readers on how to protect your funds from scammers and hackers?

First, we never call and tell our customers that their card will be suspended in an hour or two, so they need to take some action. If you receive such calls (they happen, unfortunately), then this is definitely the work of scammers.

My recommendation is simple - you need to hang up and call the call center. It will give you exact information of what is going on. Secondly, if you receive SMS messages that your card will be blocked and you are asked to call back on such and such a phone, then know that Sberbank does not send such messages.

Next, you can see from which number SMS messages come from. There are scammers who disguise themselves as bank numbers. Therefore, I recommend that you always carefully watch which number you receive SMS from.

How does Sberbank itself protect itself from hackers?

The first is the protection of the bank itself, the second is the protection of customers from attempts to encroach. All customers who have our application on their phones are protected from viruses that can steal money through mobile devices. We use an anti-virus program that updates protection against any virus in the world without the client noticing.

In terms of protection, we went even further: even if scammers posing as officials call you or send SMS messages about closing an account or a card with an offer to make a counter call, we have learned how to identify such operations.

So if our client voluntarily transfers information to fraudsters, including passwords, then with the help of certain specially developed artificial intelligence techniques, analytical measurements, we today hedge about 97% of such risk on the part of the client. This means that 97% of people whose money was stolen by scammers, Sberbank has learned to return the money back, that is, we do not allow their cashing out and transfer to the scammer's account.

How does Sberbank develop relations with hackers?

There are bad, but there are also good hackers - "white" and "red" who look for and help eliminate vulnerabilities. We have our own teams of "white" and "red" hackers. They specifically test our systems - both openly and covertly. We have put this on an industrial scale, at the stages before implementation, during implementation and after. These are the requirements of modern standards. We must stay ahead of the "innovative" attempts of bad hackers and build the right defenses for ourselves.

- How many white hat hackers does Sberbank have?

This is a small division, which includes highly qualified specialists in the field of cybersecurity.

- How does the bank cooperate with law enforcement agencies in the field of cybersecurity?

The level of our interactions with both the Interior Ministry and the FSB is very high today. We recently held a meeting with the Ministry of Internal Affairs, with the new head of the BSTM (Bureau of Special Technical Measures), General Mikhail Litvinov, and discussed joint information exchange activities that could lead to a serious reduction in crime and fraud in our country. We have accumulated a lot of data about scammers. We expect concrete and very effective work of the operational units of the Ministry of Internal Affairs of our country to detain such criminals. The scale is growing, this needs to be done.

After all, Sberbank also cooperates with Interpol in the field of cybersecurity…

We have a bilateral agreement with Interpol, under which we exchange information and engage in practical interaction. In particular, about a month and a half ago, Interpol asked us to help in the investigation of a fraudulent subnet that fell into their visibility zone. Four specialists from our subsidiary "Bizon" as part of the Interpol Global Complex For Innovations group helped to unravel this criminal network in a few days, discovered the criminals in China, and passed all significant information to Interpol employees who used it to carry out operational activities.

- How many criminal cybergroups are there in Russia, in your opinion?

According to our calculations, there are about 800-900 fraudsters who are engaged in crimes on an ongoing basis using social engineering methods across the country today. But those are just the ones we see.

How do hackers operate?

They introduce viruses into software that steal information, supply false documents, and control operating systems. The last group of viruses is the most modern and most dangerous. When such a virus is installed in the operating system of a credit institution, it can remove all of its funds.

- Do you expect an increase in the activity of hackers?

We are always ready for it. In 2017, we repelled about 40 major DDoS attacks on the bank, but we don’t see much activation. All our defense perimeters detect any activity in this area in advance. In principle, today we have learned how to defend against this type of attack.

- How can you assess the situation on the market? What losses from hackers are Russian banks?

The losses are colossal. If we talk about Sberbank, in 2017 our cybersecurity service stopped more than 300,000 attempts to steal funds from individuals and legal entities, both directly using social engineering methods and using virus software, and prevented damage in the amount of more than 20 billion rubles. For comparison: in 2016, attempts of theft in the amount of about 16 billion rubles were prevented.

Did Sberbank suffer any losses from hackers in 2017?

We have zero losses in the bank, this is our KPI. This task was set before us by the board of the bank, and all the processes that are being built in the bank today are aimed at completely eliminating such a possibility. At the same time, for various reasons, we have learned today to detect attacks on our customers and partners. In such cases, we immediately warn companies, the FSB and the Central Bank.

We are also completing the creation of a special platform that will protect banks and companies from any attacks. In February-March, we plan to launch a full-scale cyber insurance business. The cost of this service has not yet been discussed, but we will offer the market several products in this area.

Does Sberbank encounter counterfeit banknotes at ATMs? In particular, with the new denominations of 2000 and 200 rubles?

As for banknotes with a new denomination, we have never recorded any fakes. In some cases, very rarely, we fix glued banknotes.

Five thousandths mostly?

Basically yes. They are showing up in specific ATMs and we are interacting with manufacturers who are currently taking protective measures. In a very small part of ATMs today, manufacturers have not yet installed additional security measures in the settings.

- How did Sberbank prepare to accept new banknotes of 200 and 2000 rubles?

In the pre-New Year period, we decided not to reconfigure ATMs.

- To avoid failures?

So that there is no drawdown in the readiness of the ATM network. This is a coordinated position with the Central Bank, and, in fact, other banks have made the same request, according to our information. At the same time, new banknotes are accepted everywhere, and in January we will basically complete the reconfiguration of all self-service devices for them.

Will the reconfiguration for new banknotes be 100% by the end of January?

According to our calculations, about 90%. The remaining 10% are distant regions. During January we will complete this process. There are some regions where specialists need to be delivered by air.

- What are the reasons for failures in transactions with Sberbank cards in December?

Today we are carrying out a colossal transformation, creating new infrastructure products and implementing them. We have a lot of systems, apparently, some mistakes were made with new implementations, and this is the price of the speed of change. For each failure, a special investigation is carried out.

If a failure occurs, our situational center fixes the stop of some process, the number of calls to the call center increases and the reason is established. Next, the system is transferred to a fallback version of work. We call it stand-in. This happens very quickly. Everything is transferred to another phase, and clients should not guess that we have some deviations. In your understanding, failures are when "everything has stopped", and in our understanding, failures are when the speed of either service, or transactions, or some other indicator has deviated by a percentage. We monitor any quality metrics of our transactions.

Will the launch of the first stage of the new Data Processing Center in Skolkovo help prevent failures?

Undoubtedly. So that you understand what the "first stage" is - these are four modules out of five. These are the main design decisions.

- How actively is Sberbank involved in the robotization process?

A robotics laboratory has appeared in Sberbank, we have very big plans. Now we are developing in this direction in different directories: it includes both android and non-android robots.

- How realistic is it to replace people in call centers and branches with robots?

It's not that robots will stand behind the cash register and serve customers, we have the opportunity to robotize our processes. For example, in Odintsovo, we are currently completing the creation of a very small office in a shopping center, which will test the most modern technologies using these approaches. There will be no classic cash desk - customers will receive money through self-service devices. If you need to speak to our employee manager, you can go to the appropriate device, press a button, and you will see a pretty girl who will answer any of your questions. There will be employees who will help people get used to new technologies.

Assistants like Siri or "Alice" do not fully understand people yet. Are you talking about something like this?

So far we are talking about a living person who will sit on the other side of the screen. She will be able to work for Vladivostok, Kaliningrad, and Moscow.

- And when will Sberbank actively start using drones?

We are doing this work in different areas, our drones will be multifunctional, and we are optimistic about the future.

- How does the bank solve the problems of clients who were mistakenly blacklisted on suspicion of money laundering?

There is a problem. But our analysis shows that out of a hundred such companies, there are a few random ones. We have a compliance division, where specialists check and in a very short time, literally in two or three days, make a decision to unblock the account if this is a decent and conscientious client. We believe this policy is correct: the risks are very high, both legal entities and individuals can suffer from this.

Now many companies are building new modern complexes, and their management is moving there. Does Sberbank have such plans?

We are seriously considering the implementation of the Smart City project (smart city. - Ed.) on a 460-hectare site along Rublevsky Highway in Rublevo-Arkhangelskoye, which belongs to Sberbank. Over the next year, we will take active steps to implement it. The decision to move the management of Sberbank there has not yet been made. After all, it takes one and a half to two years to design a building, and another two to three years to build it. But we do not rule out that we will eventually move there.

It will be the implementation of the most modern developments, a comfortable environment for work and life. We have already signed a decree of the Moscow government on the implementation of this project on the river bank. There will be subways, kindergartens, schools - all of this is of a completely new level. Now, together with the Moscow City Hall, we are creating the infrastructure of the complex.

- What is the cost of this project?

We don't think it's a very expensive project. We have a payback point, we have held test negotiations with all major construction companies, and they are all very interested in participating. There is already a planning plan for the territory, it has been approved by a decree of the Moscow government. It was developed by the winners of the competition - a company from Germany.

The traditional "Green Marathon" of Sberbank, which is held at the end of May 2017, was held in partnership with the Naked Heart Charitable Foundation of Natalia Vodianova in Moscow. What will happen in 2018?

We have already begun preparations for the next Green Marathon, for us this is a big and necessary project. I personally ran 1211 kilometers this year.

We are close to the logic, ideology, policy of the Naked Heart Foundation, and we associate this project with this foundation.

In 2018, we will not hold it in Moscow on the territory of Moscow State University, now we are waiting for a decision to start on Vasilyevsky Spusk. We also want to definitely hold this marathon in all major Russian cities, the exact number is being specified now.

The topic of cybercrime has been firmly entrenched on the agenda in the past year. There have been high-profile accusations against Russia of meddling in the U.S. election process. Concerns have been raised about possible cyber attacks on the largest national banking systems. Much of this could have been prevented or stopped at an early stage, provided that all interested parties maintain a prompt exchange of information about recorded attacks. Until recently, Russia has remained a passive participant in the exchange of information on cybercrime due to the lack of relevant domestic legislation. Stanislav Kuznetsov, Deputy Chairman of the Board of Sberbank, spoke about the results of the discussion of this topic by the participants of the World Economic Forum in Davos in an interview with TASS.

- Stanislav Konstantinovich, as part of your agenda at the forumwhat results were achieved on the first day, what remains to be done?

Yesterday we discussed the topic of cyberterrorism in the digital age and the risks that accompany it, today - concrete steps to exchange information. Cybercrime is transnational, and it is completely pointless for each of the countries separately to organize separate investigations, which will definitely lead to a dead end due to a lack of expertise. Today, the "Guidelines for the organization of the exchange of information on ensuring cybersecurity" were tentatively signed. These are recommendations prepared for almost all public public institutions and private companies around the world. In fact, these are recommendations addressed to the entire world community.

- With whom are you conducting a dialogue in this direction and what is the role of Russia in the agreement?

The meetings I had today with Jean-Paul Laborde, Executive Director of the UN Counter-Terrorism Committee, as well as the Director General of Europol and one of the heads of the Interpol Cybersecurity Center in Singapore, show that there is a great desire on their part to cooperate and exchange information. Russia is now unable to fully participate in information exchange, as it has not ratified the only international legal instrument regulating this process - the European Convention on Crimes in Cyberspace of 2001. Its provisions on the right to investigate on the territory of other countries cause understandable concerns among our law enforcement agencies. We discussed the possibility of clarifying and supplementing them, taking into account what is happening in the world now, and the peculiarities of our legislation, and our lawyers see good prospects for joining the convention.

The banking system of Russia was attacked not by people, but by several tens of thousands of so-called Internet things - equipment that has access to the Internet, up to irons

There were also pessimistic statements concerning mainly the bureaucratic barriers typical for the whole world. In Europe, in the USA, they have even more powerful roots than ours. But I look to the future with great optimism.

- We are talking about countering international cyberterrorism at the global level, but if we touch on the topic of our legislation, what needs to be improved here in order to reduce the damage from cybercrime?

The most important thing is that our legislation does not contain the term "cybercrime", which the whole world has been using for a long time. To our great regret, there is no such legal term as "theft from an electronic account".

We are taking too long to adapt our legal toolkit, while in the extremely fast-paced world of cybercrime, we need a toolkit for even faster response changes. But if earlier we were just talking about this, then last year we had more and more active supporters in law enforcement agencies, various ministries and departments who understand the need to bring legislation in line with the tasks of ensuring protection against cyber threats at the national level.

- What exactly was done?

Draft amendments to article 158 of the Criminal Code of the Russian Federation submitted to the State Duma ("Theft" -Note. TASS), which introduce such a crime as "theft of funds from an electronic account." In December, another bill was also introduced to regulate relations related to strategic infrastructure. (a package of bills "On the security of the critical information infrastructure (CII) of the Russian Federation." - Note TASS). It lays the foundations for a systemic counteraction to cybercrime. Comments on it should be collected before the end of January.

Because Russia is now target No. 1, where target No. 1, in turn, is Sberbank

We need a new organization of interaction between state institutions and large commercial structures, which today accumulate a large amount of data on cybercrime. The ability to timely exchange such information will allow you to quickly build protection for those who lack the appropriate competencies. For example, we at Sberbank have gained vast experience in countering DDoS attacks (Distributed denial of service attack. -Note. TASS), including understanding their technical features. The attacks organized in November were unique even by world standards. The banking system of Russia was attacked not by people, but by several tens of thousands of so-called Internet things - equipment that has access to the Internet, up to irons.

- Sounds like a fantastic spy movie.

This, unfortunately, is already a reality. The layered system of protection of large credit institutions survived, but a number of banks were forced to suspend work in order to "regroup." This is life, we must prepare for this, and the prompt exchange of information with us about the features of each specific attack is what is in demand not only by Russian, but also by foreign colleagues. Because Russia is now target number 1, where target number 1, in turn, is Sberbank. We have experience that we are ready to share, including within the framework of the Davos forum.

Obviously, attacks from the "Internet of things" will be more massive. Unfortunately, the theft of information - both personal, commercial and official, including information about developments, will continue through the distribution of phishing emails.

For example, when in December the Federal Security Service (FSB) warned of possible attacks on the Russian financial system, it made it clear that it sees the peculiarities of these attacks and understands who and from what centers is preparing them. This message played a key role in preventing damage. We then received a lot of technical information, which was instantly transmitted to the FSB and the Ministry of Internal Affairs, and other banks did the same. Its comprehensive analysis made it possible to draw several conclusions, which the FSB also spoke about. The first is that the attacks were carried out from distributed servers in different countries. Therefore, it is impossible to talk about the "authorship" of this or that country: it is just this or that location of the servers. Another conclusion was related to the fact that if not the organizers, then the command center (these are different things) of the alleged attack could be located on the territory of Ukraine. These statements were based on a detailed analysis of very different information obtained by the FSB from financial institutions.

- In your opinion, what trends and main threats will be relevant this year, what components of the technological infrastructure will need to be adapted in order to successfully cope with this?

Good question, the answer to which must begin by acknowledging the fact that, unfortunately, we are still late. Cybercrime is developing much faster than cyber defense. And this is a tribute to the time, which dictates the requirements for changes within oneself, in the system, in the country as a whole.

The main threats will come from traditional attacks and DDoS attacks. They will definitely continue, their technical implementation will change - in order to select ways to bypass protection. Obviously, attacks from the "Internet of things" will be more massive. Unfortunately, the theft of information - both personal and commercial, and official, including information about developments, will continue through the distribution of phishing emails. (Attackers send out emails that look like popular branded emails, bank notices, or social media and messaging messages. Users open the links they contain, click on pictures, banners -and infect a computer or mobile phone with a virus that "steals" information that allows attackers to gain access to account funds. -Note. TASS).

The direction that generates the greatest risks is the development of viruses that allow attackers to gain access to the management of IT systems of various companies. They are usually aimed at financial companies, but now we are very close to the emergence of similar risks for IT systems of enterprises in other industries, including energy, aviation, defense and nuclear industries. I know of cases where hackers, trying to steal money, accidentally entered the control systems of dispatch services ...

- Wow "accidentally".

It really was not their goal, but if you imagine that someone could do this purposefully, it becomes clear that the adoption of a law on cyber protection of the infrastructure of the Russian Federation is absolutely necessary. In addition, hackers will continue to look for gaps in the IT systems of banks that use outdated technologies, such as cards without a chip, with a single magnetic stripe, old models of ATMs, or outdated software.

- We talked about technology, but there is also the human factor.

Yes, and in Russia, probably more than anywhere else, crimes committed using the methods of "social engineering" are widespread. Attackers gain confidence in customers, and they provide them with passwords to accounts in online banking systems, PIN codes for cards, and other information. The most vulnerable category is the elderly. They trust people who call them on the phone, pretend to be social security services, the Pension Fund, government agencies and even the security services of Sberbank and talk about some kind of failure, data loss, which allegedly created a threat to lose the money stored in the bank. The message of the criminals is "Right now, urgently dictate the data to us, and everything will be fine again." In this case, it is necessary without remorse to hang up, no matter who the caller introduces himself to, and immediately call the bank's call center, where they will always tell you what is happening, what to do in this situation, and, if necessary, strengthen protection and save your money.

- If we talk about specific figures characterizing the results of Sberbank in the field of cyber defense, what are you ready to announce now?

Since there is no need to wait for a sharp increase in vigilance among older clients, we have created a fraud monitoring center that monitors anomalous activity and prevents attempts to withdraw money. On average, we fix about five thousand such incidents a week, and after the crime is actually committed, we fix and return up to 400 million withdrawn money unnoticed to customer accounts. We prevented about 14 billion rubles of losses, but these are not 100% of incidents, but 95–96%. It is impossible to achieve 100% efficiency here, but we show the maximum: on average in the world, the return is 82-84%. For the remaining 4–5%, we are investigating. If we see that the damage is due to at least a partial defect on the part of Sberbank employees or the imperfection of our IT systems, we always return the money. At the same time, as a result of deliberate misconduct by employees, not a single ruble left the clients' accounts.

We have also achieved the complete absence of interruptions in the operation of the bank's systems during DDoS attacks, thanks to the created layered protection system. The year before last, shutdowns ranged from 50 minutes to several hours, last year we saw 0 minutes of shutdown of any of the internal systems.

- To summarize -when will the number and cost curve of cybercrime go down?

When will law enforcement agencies have the tools to prosecute such acts. It is no secret that practically no criminal cases are initiated for the crimes we prevent, since there are no legal grounds for a systemic fight against them. Amendments to the Criminal Code, combined with a common database of incidents and relevant expertise, will create such a basis. We can identify fraudsters and stop them, we see their phones, we know bank card numbers and customer phone numbers, but automated channels for the exchange of this information between banks, telecoms, and law enforcement agencies have not yet been developed. It is necessary to create a closed database where all, including negative, information about such operations will be collected.

Attackers gain confidence in customers, and they provide them with passwords to accounts in online banking systems, PIN codes for cards, and other information. The most vulnerable category is the elderly

It is also very important that both we and our clients live in the same information field, in the same cyber culture rules, when you just need to stop or at least check calls with messages about various emergencies.

We talked Andrey Korzin and Maria Rumyantseva

Magomed Bilalov switched the springboard to "watching Sochi" under German Gref

The original of this material
© Slon.ru, 08/14/2013, Bilalov: "For me, obtaining asylum abroad will be a painful decision", Photo: "Kommersant"

Anton Zhelnov

After President Putin publicly reprimanded the Vice President of the Russian Olympic Committee Ahmed Bilalova for the disruption of Olympic construction projects, from Bilalov and his brother Magomed big trouble started. The brothers had to leave Russia, Magomed sold his shares in Krasnaya Polyana OJSC (which built the Gornaya Karusel tourist complex) and the National Bank for Business Development. But the Russian investigation wants to reach out to them abroad as well. To Akhmed Bilalov criminal case brought back in April, Magomed was charged in July. Last week, the former general director of Krasnaya Polyana, Stanislav Khatskevich, was arrested, and Magomed Bilalov invited investigators to come and interrogate him in London (they refused).

In an interview for Slon, Magomed Bilalov spoke about who he considers to be the initiators of the criminal case against him, why the Olympic facilities have risen in price during construction, how he is going to resist the attack of the investigation and what he will spend the money received from the sale of business in Russia.

Last week, the general director of Krasnaya Polyana, Stanislav Khatskevich, was arrested. Does this mean that the point of no return has been passed in your case and the investigative actions have entered the active phase?

Considering that we are “colleagues in misfortune” with him, then, of course, I very much empathize with Stanislav and other colleagues who have become hostages of this situation. Khatskevich and I have never been friends. Stanislav Kuznetsov brought him to the company (Deputy Chairman of Sberbank. - Slon) and presented to me. For a long time he convinced me that we need him. At that time I was a shareholder and a member of the board of directors. I can't say anything bad about Khatskevich's work. He quit the company because of a scandal, as he refused to sign the documents imposed on him by Kuznetsov, which also raised big questions for me. As far as I know, he never signed anything, no matter how much Kuznetsov threatened him. His arrest, as well as the persecution of Elena Reiterer, Sergei Kovalevsky, Alexei Nevsky (ex-general director of the North Caucasus Resorts. - Slon) and many other managers I regard simply as a tool of pressure. The team of investigators that was sent to pursue us is large. They actively work with the methods that are available to them. The fact that these methods are not always legal, I think it is even pointless to comment.

You did not rule out that you would personally come from London for interrogation in Moscow. Why did you make the opposite decision and now insist on a meeting at the Russian embassy in London?

Now I am undergoing treatment abroad, I have health problems. There was a hypertensive crisis, probably due to the stress of the last five months. The investigators are also aware of this - my lawyers sent them all the necessary documents indicating the diagnosis and the clinic where I am being treated. If the investigators really want to establish the truth, then I will answer all questions, and it is not necessary to do this where there is an entrance, but no exit. For example, in the Russian embassy in London. Moreover, the events with Stanislav Khatskevich show that those who summon me for interrogation do not really want to understand, the task is the same - to deprive me of the opportunity to defend myself.

- So you will apply for asylum in the UK?

If classical raider actions continue against me, my relatives and my employees, then I will have to seriously consult with lawyers on this issue. But for me, getting asylum abroad will be a painful decision. Problems appear out of nowhere and go nowhere. Such traditions of Russian business have a centuries-old history. With lawyers, I worked out all the ways and mechanisms of protection, I was surprised to learn that in the UK 27,000 Russians applied for political asylum.

Your brother Akhmed Bilalov is also abroad, although no charges have been brought against him yet, despite checks at the KSK, where he headed the board of directors. Will he also apply for asylum?

Everything related to my brother, it is incorrect for me to comment. I can say that his health situation is very difficult: he is forced to devote all his time to this issue for at least a few more months. (Ahmed Bilalov told the media that he was still in the middle of 2012, but was hospitalized in one of the German clinics two months after the inspection by the president of the Gornaya Karusel resort. - Slon).

Let's get back to the charges against you. The investigation believes that you, being a co-owner of Krasnaya Polyana, the developer of Gornaya Karusel, by your actions caused damage to another shareholder and creditor of the company, Sberbank. How was the published amount of damage of 45 million rubles calculated?

Where this amount comes from, one must ask the investigators or those who brought them a ready-made decision on the criminal case. But in order for you to understand how events unfolded, let's go back to 2009, when Sberbank decided to build its headquarters at the Gornaya Karusel resort for the 2014 Winter Games. Then the bank allocated a little less than 1 billion rubles for the purchase of its headquarters, which was approximately 70-80% of the total contract amount. It was earmarked funding: we couldn't spend that money on other properties in the resort. At the same time, Sberbank changed the size of its headquarters several times: initially, its area was about 8 thousand square meters. meters, then increased to 20 thousand square meters. meters. While the design was in progress, we could not start construction. Then it was decided to deposit these funds at 7-8% per annum in the National Bank for Business Development. It was market interest. Within the agreed period, the entire deposit was returned to Sberbank.

But at the same time, the NBB issued loans to Krasnaya Polyana at 12% per annum. This is another point on which the investigation accuses you.

Loans were issued from the bank's capital long before Sberbank placed a deposit, starting as far back as 2005. For example, for the purchase of ski lifts for the second phase of the resort. The cost of each such lift is about €15 million. The NBB Krasnaya Polyana also issued loans to pay taxes and to develop the company. The NBB, lending to the Olympic facility, took a big risk, and the bank's shareholders never received dividends. In this regard, statements that I, being a co-owner of the NBB, earned 45 million rubles on Sberbank deposits and loans from Krasnaya Polyana are an open lie. The absurdity of the accusations for the entire banking market is obvious. For example, the difference between deposits and loans of the same Sberbank is the same few percent, and to say, for example, that German Gref thus profiting from depositors - it means to question the essence of the banking business.

All these transactions are interested party transactions and must be approved by the board of directors or the general meeting of shareholders.

By the size of the transaction, which we are now talking about, are within the competence of the board of directors (from 25% to 50% of the value of the company's net assets). All transactions were agreed, in the documents of Krasnaya Polyana on obtaining loans from the NBB there is the signature of the chairman of the board of directors of the company, Stanislav Kuznetsov, who is also vice president of Sberbank. If any of the shareholders, including the state bank, did not agree with this decision, he has the right by law to protest the transactions within a year, but this was not done. The case of deposits and loans is within the competence of arbitration courts, but not law enforcement agencies. But no one has ever applied to arbitration courts.

Investigative measures against you followed the criticism of Vladimir Putin, who in February 2013, during the inspection of Olympic construction sites, was extremely dissatisfied with the timing of the construction of springboards ...

I have a certificate of honor signed by the President of the country: I was given it after the ski jumps in the Mountain Carousel received the FIS certificate - the International Ski Federation, and several stages of the Ski Jumping World Cup were held here just in time. We have received the highest marks for the quality of our work. All this happened in 2012. Officially, there was no act of acceptance of the object, except for a temporary one, because the state corporation "Olympstroy" did not fulfill its obligations. Meanwhile, a temporary permit for putting the facility into operation was agreed with the Deputy Prime Minister Dmitry Kozak. He knew perfectly well that it was not my brother who was involved in the project, but me, as a co-owner of Krasnaya Polyana. Therefore, the subsequent statements of the Deputy Prime Minister about "comrade Bilalov", when he meant Ahmed, are more than incorrect. My brother never had a shareholding in this project and was not a member of the governing bodies. But, apparently, there was no other way to justify the receipt of this non-core asset by Sberbank - now worth billions of dollars for it - the speakers on the springboard could not in any way. Moreover, back in May, Vladimir Putin asked Dmitry Kozak at a meeting in Sochi why we now have Sberbank as the main ski jumping bank in the country.

- There were also rumors that the springboard was not properly designed. Were there any mistakes with the choice of location?

The landing site for the ski jumps was chosen by the IOC. As for the talk that something was designed wrong or the place is bad, I think it is akin to those fairy tales that the project was not delivered on time or it was built expensively. The best and most respected experts worked on the project. There were German companies, Norwegians, we were very tightly controlled by Nordby Torgier (FIS expert) and the best Russian experts - Fedorovsky, Kurilo and Kabantsev. They are the most respected design experts. The project has passed three state chief state expertise, which also did not reveal any problems. Therefore, I think that before publicly arguing that the springboard project was “designed as for the enemy”, one must at least have at least a minimal idea of \u200b\u200bbuilding.

- What led to the increase in the price of springboards, about which the president also criticized the investor?

The initial cost of this facility was 1.8 billion rubles. Then this amount increased to 4 billion rubles. The rise in price was due to increased requirements from the FIS and the Organizing Committee of Sochi 2014. All the money for the construction is the funds of shareholders, some of which was attracted in the form of loans. The amount of 8 billion rubles, which is now called the final amount of springboards, is false, and the president was deliberately lied to. The sports facility itself still costs 4 billion rubles. Another same amount is the budget for the creation of protective structures for ski jumps and the road to them. The Olympstroy state corporation was initially responsible for these facilities, which was confirmed by documents signed, by the way, by Vladimir Putin. But the state corporation failed the task, and in order to save the project, Dmitry Kozak decided that it was necessary to forget about state obligations and hang everything on the investor. For me, these funds were unaffordable: I spoke about this to Dmitry Kozak and his people, the same questions were repeatedly raised at a meeting with both the President and the Prime Minister.

But in May 2012, Stanislav Kuznetsov, it turns out, agreed at a meeting with Dmitry Kozak, who has been supervising Olimpstroy for many years, to build the adjacent infrastructure at the expense of Krasnaya Polyana, which came as a complete surprise to me. Moreover, this is a major deal, and it has never passed corporate approvals, that is, it was actually falsified by Kuznetsov. This was followed by a protocol order from Mr. Kozak to build infrastructure at the expense of Krasnaya Polyana itself. Then Sberbank gained control over the company, becoming the owner of 50% of the shares, that is, it was the country's main bank that had to pay state obligations. For the project, this meant the end of business.

- Did you have a personal conflict with Dmitry Kozak?

We did not have any conflicts with Dmitry Nikolayevich, he sometimes made harsh remarks to us. I agreed with something, on some issues he agreed with me.

At the beginning of our conversation, you said that a well-planned attack is taking place against you and your loved ones. In whose interests?

I told you several times the name of Sberbank Vice President Stanislav Kuznetsov, who is personally in charge of the project in Krasnaya Polyana. My brother Akhmed and I have known Stanislav for at least seven years, when he was still head of the department of the manager of the Ministry of Economic Development. I am sure that he, being a retired colonel of the Ministry of Internal Affairs - he is also a member of the Public Council of the Ministry of Internal Affairs - initiated a criminal case against me. He is well aware that his vigorous activity may raise questions not only from the president of Sberbank German Gref, but also from depositors and shareholders of the bank.

- What are these questions?

For example, why Stanislav signed a general contract with the Turkish construction company Sembol. This is how we started an open conflict with him. Sembol builds for about $3,000 per sq. meter. I resisted this, explaining to him that our contractors were building for $1.5-1.8 thousand per sq. m. meter. After the state bank took control of the project, the economics of construction fell sharply. Over the year, the project estimate, including commercial real estate in the resort, has grown from 40 billion to 82 billion rubles. The result is forever irredeemable real estate, which today is being built at the expense of depositors of the country's main bank. I do not rule out the possibility of filing lawsuits in international courts against the structures of Sberbank on damage to shareholders by the management of Krasnaya Polyana. For example, at that time large transactions were concluded without corporate approvals on the direct instructions of Kuznetsov. There is enough fundamental evidence for this. I also plan to send statements to the Russian law enforcement agencies in the near future about the deliberate infliction of millions of losses on me as a shareholder by the company's management.

- Suppose there was a reason to squeeze you out of the project. Why then did all the public criticism go to Ahmed?

Akhmed is a prominent figure: before the KSK, he was in the Federation Council, and even earlier in the legislative assembly of the Krasnodar Territory, he actively worked in the United Russia party. Until that time, the general public didn’t really know me. As I understand it, a person with a well-known name should have been made the culprit. When the attack on Krasnaya Polyana began and, as a result, Akhmed lost all his posts, the media voiced the reason for what happened. For example, newspapers wrote that Akhmed's problems began after the KSK began to propose to the Russian government to create a special economic zone after the Olympics in Sochi and Krasnaya Polyana, where all the objects built with budget funds could be transferred. According to the media, it was proposed to appoint the KSK to manage the zone. Your colleagues concluded that some of the officials, who could lose control over the situation in Sochi after the Games, framed Akhmed. But I want to believe that this is nothing more than a conspiracy theory. Although now it is this economic zone that is being created in Krasnaya Polyana to save the business of the Olympic Games investors.

- You sold your remaining third of Krasnaya Polyana Mikhail Gutseriev, in his own words, for $ 20 million. Did you point out the figure of the co-owner of RussNeft?

Our family has known the Gutseriev family for a long time. When we had difficulties, he offered to help. He, too, at one time faced similar problems. Why Mikhail Safarbekovich needed my package of Krasnaya Polyana, I don’t know, but I’m sure he definitely didn’t lose. Now about the share price he paid me. At first, he publicly spoke about $20 million, then, a month later, about $400 million, but in reality the order of numbers is different. I promised Gutseriev not to disclose the amount.

In May, you also sold your 34.26% stake in the National Bank for Business Development to Semenovskaya Manufactory owner Pavel Kachalov and Round Lake founder Denis Baryshev. According to analysts, you could earn no more than 450 million rubles for your package. Is it so?

I don't name a price. The conditions under which I sold my shares in Krasnaya Polyana and the National Bank for Business Development cannot be called market conditions. I got some money - it's already good. [...]

["Kommersant", 27.04.2007, "The militia knows the Sochi buy-in": The government yesterday published a decree appointing Stanislav Kuznetsov, head of the department for managing the affairs of the Ministry of Economic Development and Trade, as deputy minister of economic development and trade. Mr. Kuznetsov, colonel of the Ministry of Internal Affairs, will manage the federal target program for the development of Sochi for 2006-2014 and oversee all the "Olympic" programs of the Ministry of Economic Development and Trade worth a total of 314 billion rubles. [...]
Stanislav Kuznetsov was born on July 25, 1962 in Leipzig, East Germany. In 1984 he graduated from the Military Red Banner Institute of the Ministry of Defense, in 2002 - from the Law Institute of the Ministry of Internal Affairs. PhD in Law, speaks German and Czech. In 1998-2002, he worked in various positions in the Department of International Cooperation of the Ministry of Internal Affairs, has the rank of colonel. From the post of first deputy head of the department, he moved to work at the Ministry of Economic Development and Trade, in 2002-2004 he held the position of head of the administrative department of the Ministry of Economic Development and Trade, from 2004 to 2007 he headed the department of the manager of the Ministry of Economic Development and Trade. [...]
Quite a bit is known about Mr. Kuznetsov himself, despite the fact that Stanislav Kuznetsov accompanies German Gref during most of his visits to the regions and has attended most of the open meetings at the Ministry of Economic Development and Trade since 2005, however, in rather small posts. As a source close to Mr. Kuznetsov told Kommersant, he had long claimed the position of German Gref's deputy and was even "upset" when Kirill Androsov became deputy head of the Ministry of Economic Development and Trade.
Kommersant's interlocutor described Stanislav Kuznetsov as a "strong business executive" and expressed confidence that not a single penny in Sochi would be misused. It should be noted that Kommersant sources report that Mr. Kuznetsov was friendly with the ex-head of RosOEZ Yuri Zhdanov. Despite the fact that he came to the department with the same mission, this did not help him retain his post even in the rank of lieutenant general of the Ministry of Internal Affairs - conflicts over control over state investments have recently become commonplace. - Inset K.ru]

["Kommersant - Guide Sochi", 09/15/2010, "The Olympics have already begun for us!" :
guide: You, following German Gref, moved to Sberbank after the IOC decided to hold the 2014 Winter Olympics in Sochi, where you are now in charge of preparations for the Games. Tell me, was your transition to Sberbank related to the Olympics?
Stanislav Kuznetsov: No, my transition was not directly related to the preparation for the Olympics. One phase just ended and another began. Looking back, I can honestly say that the team led by German Gref at the Ministry of Economic Development was unique and did a great job in just over seven years. Another thing is that Sberbank, as the largest bank in the country and one of the largest in Eastern Europe, of course, could not stay away from such a colossal and important project as Sochi Olympic Games. This is truly a national project, around which the whole country is united, and, as it seems to me, not a single large company can remain aloof from such a project. This is exactly the case when you need to help, participate, build, take certain risks. As bankers, we like to count money, but now that the whole project is structured, I can say that, from our point of view, it is simply doomed to success. - Inset K.ru]

Deputy Chairman of the Board

Education

In 1984 he graduated from the Military Institute with a degree in military-political specialty with the study of foreign languages (German and Czech), in 2002 - from the Law Institute of the Ministry of Internal Affairs of the Russian Federation with a degree in Jurisprudence. PhD in Law.

Labor activity

In 1979 - 2002 served in the Armed Forces and internal affairs bodies of Russia.

In 2002 - 2004 worked as the head of the administrative department of the Ministry of Economic Development and Trade of the Russian Federation.

In 2004 - 2007 - Director of the Department of Administration of the Ministry of Economic Development and Trade of the Russian Federation.

From April 2007 to January 2008 - Deputy Minister of Economic Development and Trade of the Russian Federation.

Since January 2008 - Senior Vice President, Member of the Management Board of Sberbank.

Since October 2010 - Deputy Chairman of the Board of Sberbank. Supervises and coordinates the work of the "Services" block, the Department of Internal Banking Security and the Secretariat.

Awards

He was awarded the Order of Merit for the Fatherland, III and IV degrees, the Order of Honor, the Order of Friendship, the Order of Alexander Nevsky. Honored with the gratitude of the President of the Russian Federation. Awarded with Honorary Diplomas of the President of the Russian Federation and the Government of the Russian Federation.

He is a shareholder of Sberbank: the share in the authorized capital is 0.00125%, the share of ordinary shares owned is 0.00131%.

So Sberbank itself can be called a platform for fraud, the ad service answered.

The Avito ad site is one of the main platforms for cyber scammers to work, Stanislav Kuznetsov, deputy chairman of the board of Sberbank, said at the Festival of Youth and Students in Sochi.

“The Avito website is actually one of such central platforms today for cyber scammers to act. There are many different crimes, many different types of crimes, - said Kuznetsov. “And by studying them, we actually dive into how they can very subtly find an opportunity to convince a person to do this or that action.”

Kuznetsov illustrated his speech with a slide showing exactly how scammers operate on Avito. The slide looked like this:

The deputy chairman of Sberbank did not stop there. As an illustration of the described scheme, he cited two audio recordings of calls from fraudsters and their victims to the bank's support service. In the first case, the fraudster was asked to confirm the personal data of the person he introduced himself as, which he failed to do and hung up. In the second case, the victim of the scheme calls the phone given to her, which belongs to a fake security service of the bank, and gives all the card details to the "operator" of this service - the number, expiration date and a three-digit CVV code on the back. “Here is a client instantly fulfilling all the instructions of a criminal, in fact a fraudster: tell your card number, tell this, tell that,” Kuznetsov stated.

Answers from Avito, Yula and Ozon to Sberbank's claims:

“Mr. Kuznetsov's statement to us is absolutely incorrect. Making such statements is like blaming the Internet for being the cause of cybercrime, an Avito spokesman said. “In this logic, we can make a similar conclusion that Sberbank is the main platform for fraud with bank cards, being the leader in their issue.”

“Nevertheless, given our leading positions in our industries, we are open to dialogue with Sberbank and are ready to cooperate in the field of security, regardless of this incorrect statement,” he added. The representative recalled that under the ads there is a “Complain” button, by clicking which any user can report publications that look like fraudulent ones and send them to the moderator for consideration. Avito is constantly working on the development of security systems, his representative assured.

A spokesman for Sberbank declined to comment.

To moderate and search for suspicious ads on Yulia, artificial intelligence is used, which examines goods for suspicion, a representative of the online platform said. Most often, scammers try to play on the user's trust, convincing him to either transfer an advance for the goods or transfer card details, he added.

“Personally, we have not had similar cases when the data of bank cards of buyers are stolen during payment on such sites, but such a problem does exist on the Internet,” said Andrey Kashirin, director of information security at Ozon. More often than not, brand awareness and the corresponding website design are used to sell low-quality products to customers, he added.

How to avoid becoming a victim of online scammers

According to the Central Bank, last year the fraudsters managed to write off 1.08 billion rubles from the accounts of citizens.

Sites like Avito have claims not only from Sberbank, but also from all other banks, Alexey Golenishchev, director of electronic business monitoring at Alfa Bank, noted: “The fact is that fraudsters steal money through these sites using a simple method of social engineering ".

Golenishchev described another scheme by which such scammers work. The client places an advertisement for the sale. He is contacted by a person who is allegedly very interested in the product. He convinces that he is very afraid that this product will be sold to someone else, and offers to make a deposit. To do this, he asks for a bank card number, to which many agree. As soon as the client calls the card number, an sms immediately arrives with a transaction confirmation code - but this is not a transfer to the card, but, on the contrary, a write-off from it. “Which few people pay attention to. Then the swindler convinces to call this code - and this money is transferred not to the client, but to the card of scammers, accomplices of the caller, who are on duty at ATMs with a phone and cash out the transferred money within a few minutes, ”States Golenishchev. It will not be possible to return them, since the bank's client himself revealed the secret code, he added.

“But it happens that banks notice suspicious transfers, contact colleagues from another bank, they block cards and accounts, preventing fraudsters from withdrawing stolen funds,” the specialist explained.

According to a representative of Alfa-Bank, there are many such schemes now - and not only with Avito, but also with electronic OSAGO, traffic police fines, etc.

Avito is the largest Russian free ad service. According to Mediascope WEB-Index, the audience of the service on mobile devices and personal computers exceeded 21 million people (data for August for the audience aged 12 to 64 in cities with a population of more than 100,000). According to the company's own data, the audience of the service is more than 33 million people.

Avito's closest competitor, the Yula website, belongs to Mail.ru Group and was launched in 2015. According to the company's own data, the service's audience is 20 million people, 60% of them use the application from smartphones.

In April, Yula launched the "secure transactions" function, as well as a delivery service. The functions allow you to pay for the purchase directly in the Yuly application and get paid. Money transfers at Yulia were introduced by VTB 24 Bank. This year, Alfa-Bank introduced secure payment services for GetBlogger.ru and YouDo.com. Secure transaction services are also offered by Yandex.Money - with the UberChef on-call service. Money to the account of the executor of the order is received only after a day, if the buyer has not notified the portal that the order has not been completed.

“VTB Group has been fruitfully cooperating with Mail.ru Group for a long time, including on the Yula project. As part of our work with this service, no cases of fraudulent actions have been recorded, ”said a VTB representative.