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Governance summary (public)

Page reviewed

Money at risk. What to do right now

File: t-scams-fraud-money-at-risk.md

Outcome at a glance

  • Evidence integrity: All guidance is supported by inspected Irish authoritative sources.
  • Risk control: Unsupported, speculative, or over-precise advice has been removed.
  • Publication status: Approved for publication.

Scope of review

This governance review examined the SSH topic “Money at risk. What to do right now” to confirm that:

  • All advice is supported by authoritative Irish sources
  • No guarantees, assumptions, or speculative outcomes are implied
  • The tone is calm, direct, and safe for use under stress
  • Guidance reflects real-world procedures used by Irish banks, Gardaí, and public authorities

The review was conducted under Profile B. High-urgency safety guidance, which applies structured inspection and editorial validation appropriate for regulated public guidance.

Evidence base

All guidance on this page was verified against inspected Irish authoritative sources, including:

  • Government emergency services guidance (999 / 112)
  • An Garda Síochána reporting guidance
  • Competition and Consumer Protection Commission (CCPC) scam advice
  • National Cyber Security Centre (NCSC) account security guidance
  • FraudSMART (Banking & Payments Federation Ireland) consumer scam alerts

Only directly inspected source material was used.
No inferred or extrapolated advice remains in the published topic.

Key findings

Urgency and escalation

  • Emergency contact guidance aligns with official Irish emergency procedures.
  • Reporting pathways to Gardaí and consumer protection bodies are accurately described.

Bank contact and payment intervention

  • Wording reflects what banks can be asked to try to do, without implying guaranteed reversal.
  • No unsupported advice about alternative contact channels remains.

Evidence handling

  • Over-specific or unsupported instructions were removed.
  • Remaining guidance aligns with source-backed recommendations to preserve evidence and avoid sharing sensitive credentials.

Tone under stress

  • Language is plain, directive, and non-speculative.
  • No alarmist, exaggerated, or false reassurance phrasing remains.

Issues identified and resolved

The following issues were identified during governance review and resolved prior to approval:

  1. Over-specific evidence handling advice
  2. Removed guidance not explicitly supported by authoritative sources.
  3. Replaced with supported advice to retain evidence and protect credentials.

  4. Unproven fallback advice about bank apps

  5. Removed wording suggesting app use as a substitute for direct bank contact.
  6. Replaced with evidence-backed guidance to persist with official contact channels.

  7. Implied certainty regarding stopping or tracing payments

  8. Updated wording to clarify that banks can be asked to attempt intervention, without implying guaranteed outcomes.

Minor editorial, clarity, and accessibility improvements were also applied.

Version comparison

You can compare the baseline and governed versions of this topic:

This comparison makes visible:

  • What changed
  • Why changes were required
  • How governance improved evidential precision and risk control

Governance artefact trace (repository controlled)

This governance run generated structured artefacts that are maintained under version control within the SSH repository.

These include:

  • Snapshot-based evidence inspection notes
  • Source registry and authority verification records
  • Structured issues checklist with implementation tracking
  • Gate and approval documentation

All artefacts are reproducible, traceable, and auditable within the AI lifecycle branch.

What this means for readers

People using this page can be confident that:

  • The guidance reflects actual Irish institutional practice.
  • The actions suggested are realistic and evidence-backed.
  • The page does not promise outcomes that cannot be guaranteed.

Official decisions and interventions remain the responsibility of the relevant banks and authorities.

Governance decision

This page has passed governance review and is cleared for publication.