AI is making enterprise payment fraud more convincing across email, chat, voice and video—not replacing the older methods behind business email compromise (BEC), but helping criminals impersonate people and organizations with less effort. The practical risk is that an employee may approve a legitimate-looking transfer or bank-detail change based on a request that appears to come from a trusted executive, colleague or supplier.
AI-related complaint figures and the much larger cumulative BEC totals measure different things. Neither proves that AI caused every reported loss; the FBI says BEC tactics vary and not all are AI-enabled.
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How is AI changing business email compromise?
BEC is a payment-transfer fraud, not just a deceptive email. Criminals target organizations and people who make legitimate payments, using methods that can include social engineering, compromised accounts and computer intrusion. The aim is to influence a transfer—often by posing as a trusted person or manipulating payment instructions—not simply to steal a password. The FBI describes the range of BEC methods in its BEC advisory.
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Generative AI can improve the deception at several points. It can draft official-sounding, personalized messages, translate text and correct grammar mistakes that might otherwise alert a recipient. With suitable examples, large language models can also imitate the writing style and linguistic patterns of particular people or organizations, according to INTERPOL’s 2024 African Cyberthreat Assessment. The FBI notes that generative AI can reduce the time and effort needed to deceive targets.
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This changes the quality and production of impersonation, but it does not make AI the whole fraud. A persuasive message still works by exploiting trust and a payment process; in some cases, the underlying account may also be compromised. A polished email should therefore not be treated as proof that the sender or payment request is genuine.
How can the impersonation reach a payment approval?
Email and chat
An attacker can use AI to produce fluent, tailored messages that resemble routine business correspondence. The message may ask an employee to make a transfer, alter payment instructions or continue a conversation in another channel. Because good grammar and a familiar writing style are easier to imitate, they are weak evidence of identity.
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Voice
Cloned audio can be used in an attempt to impersonate an executive or other trusted person and request a wire transfer. The FBI also describes voice impersonation used against individuals and public figures, including attempts to obtain account access. That does not mean a voice clone automatically bypasses a bank’s authentication controls; the risk here is that a listener may treat a familiar-sounding voice as authorization.
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Deepfake video can make an impersonation appear more credible during a live call. A reported case illustrates how directly this can reach a payment workflow: INTERPOL’s Asia and South Pacific Cyber Threat Assessment Report 2025/2026 recounts that, in February 2024, an employee at a multinational firm in Hong Kong, China, transferred USD 25 million after executives were impersonated using deepfake technology in a video call. This is a single reported incident, not a typical loss or a measure of how often such attacks succeed.
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Payment diversion
However the request arrives, the consequential step is often an employee changing or approving a real payment. BEC can also involve compromised business or personal accounts, and the FBI advisory describes funds moving through custodial accounts, payment processors, peer-to-peer processors or cryptocurrency exchanges. AI may help make the request believable; the payment process is where that deception can become a financial loss.
What do the reported AI and BEC figures actually show?
The figures below have different time periods and definitions. The annual AI-related counts are not directly comparable with the cumulative BEC total, and the BEC total is not an AI-loss estimate.
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| Measure | Reported figure | Scope |
|---|---|---|
| AI-related complaints and adjusted losses | 22,364 complaints; $893,346,472 in adjusted losses | FBI Internet Crime Complaint Center (IC3), 2025 Annual Report, published in 2026; complaints reporting AI-related information, not proof that AI caused every loss. FBI IC3 report. |
| AI-involved BEC losses reported by businesses | Over $30 million | FBI IC3, 2025 Annual Report; the FBI says BEC uses multiple tactics and not all are AI-enabled. FBI IC3 report. |
| Cumulative BEC incidents and exposed losses | 305,033 incidents; $55,499,915,582 in exposed losses | FBI IC3, law enforcement and financial-institution filings from October 2013 through December 2023, reported in the FBI’s September 2024 advisory; this is not an AI-specific figure. FBI advisory. |
How can a company reduce payment-approval risk?
Verify a payment request through a separate, trusted route rather than using contact details or a link included in the unexpected message. For a supplier bank-detail change, use contact information already on file and confirm the change with an authorized contact. For a call, the FBI advises ending it and contacting the purported bank or organization through a separately researched, known number; do not rely on a number supplied by the caller.
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Organizations can assess controls against the steps where a fraudulent request could pass:
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- Email-account compromise: Review whether existing email security controls address suspicious access and payment-related messages.
- Identity verification: Define how staff confirm an executive, colleague or supplier making an unusual or urgent request, including when the request arrives by voice or video.
- Payment approval: Check whether the approval workflow independently validates the recipient and payment instructions before funds are released.
- Beneficiary changes: Require a separate verification channel for changes to supplier bank details, using a known contact route rather than details in the change request.
These are control categories to evaluate against a company’s existing processes, not a guarantee that fraud will be prevented. A control is only useful if employees can follow it without treating an email, familiar voice or video image as sufficient authorization.
What should you do if a transfer has already been made?
Contact the financial institution immediately and request a recall of the funds, along with any necessary indemnification documents. The FBI’s BEC advisory stresses that time is critical. Preserve the payment request and related messages or call details for the institution and investigators.
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