Cyber Advisory: Credit/Debit Card Theft via Phishing Campaign Impersonating Known Brands

Introduction

In today’s cybersecurity landscape, organizations are no longer only defending against known threats. Some of the most dangerous attacks begin with vulnerabilities that are unknown to vendors, security teams, and in many cases, the broader security community. These are known as zero-day vulnerabilities.

A zero-day vulnerability can give attackers a powerful advantage because there is no available patch, no established detection check, and often no immediate awareness that the weakness exists. By the time the vulnerability becomes public, attackers may have already used it to compromise systems, steal data, deploy malware, or move deeper into an organization’s environment. 

This makes zero-day risk one of the most challenging areas of modern cybersecurity. It is not only a technical issue, but also a visibility, exposure, and response issue.

What Is a Zero-Day Vulnerability?

A zero-day vulnerability specifically refers to a vulnerability that is unknown to the vendor or developer and for which no official patch or effective fix is available at the time it is discovered or exploited.

The term “zero-day” means the vendor has had zero days to fix the issue before it can potentially be exploited.

Zero-day vulnerabilities can exist across operating systems, web browsers, enterprise applications, cloud platforms, open-source components, hardware devices, firmware, IoT devices, and internet-facing infrastructure.

Zero-day vulnerabilities can affect authentication mechanisms, input validation, authorization controls, memory handling, encryption, and many other areas of software. 

• Common examples include
• Command injection
• SQL injection
• Path traversal
• Buffer overflows
• Broken authentication
• Insecure redirects
• Weak encryption implementation 

Importantly, these vulnerability types are not inherently zero-day vulnerabilities. They are considered zero-day vulnerabilities when the underlying security flaw is previously unknown to the vendor or when no official patch or fix is available at the time of discovery or exploitation.

Zero Day Vulnerability vs. 0-Day Exploit vs. Zero-Day Attack

Although these terms are often used together, they do not mean the same thing.

A zero-day vulnerability is the actual security weakness that exists in a system, application, or technology.

A zero-day exploit is the method, code, or technique used by an attacker to take advantage of that vulnerability.

A zero-day attack is the real-world use of the exploit against a target to achieve a malicious objective, such as unauthorized access, data theft, malware deployment, espionage, or service disruption.

In simple terms:

The vulnerability is the weakness.
The exploit is the method used to abuse it.
The attack is the actual compromise or attempted compromise. 

Why Zero-Day Attacks Are So Dangerous

Zero-day attacks are difficult to defend against because traditional security tools often rely on known signatures, established detection rules, and previously observed malicious behavior. When a vulnerability is unknown, existing security controls may not yet have the intelligence required to identify or block the attack. 

This gives attackers a critical window of opportunity to operate before organizations can assess their exposure, implement mitigations, or apply security updates. During this period, attackers may be able to:

• Exploit vulnerable systems before a patch is available.
• Evade signature-based detection and other traditional security controls.
• Compromise high-value assets before defenders understand the scope of the risk.
• Scale attacks rapidly once exploit techniques become available.
• Target thousands of organizations simultaneously when widely deployed software or services are affected.

The risk becomes even more serious when the vulnerability affects widely used software, internet-facing systems, enterprise appliances, or third-party platforms. In such cases, a single zero-day can expose thousands of organizations at the same time. 

How Zero-Day Attacks Typically Work

A zero-day attack usually happens in such a way:

1. A vulnerability is discovered: An attacker finds or learns about a security flaw that is not yet known or fixed.
2. An exploit is created: The attacker develops or obtains a way to take advantage of the vulnerability.
3. Vulnerable systems are identified: The attacker looks for exposed systems, applications, or services affected by the flaw.
4. The vulnerability is exploited: The attacker uses the exploit to gain access, steal data, deploy malware, or compromise systems.

The biggest challenge is speed. In many cases, the time between disclosure and exploitation is extremely short. In some cases, exploitation begins even before public disclosure.

The Role of Continuous Monitoring

Since zero-day vulnerabilities are difficult to predict, organizations need continuous visibility across their digital environment.

To identify potential exposure to zero-day vulnerabilities, point-in-time assessments alone are not enough because exposure can change quickly.
New assets appear, vendors update systems, vulnerabilities become public, attackers begin scanning, and exploit activity can emerge within hours.

Continuous monitoring helps organizations identify:

• Exposed internet-facing assets
• Vulnerable technologies
• Weak security posture
• Third-party exposure
• Risk changes across vendors
• Suspicious infrastructure targeting the organization 
• Early signs of exploitation or abuse 

This type of visibility helps security teams move faster when a zero-day is disclosed or actively exploited. 

How Organizations Can Reduce Zero-Day Risk

1. Maintain strong asset visibility
   • Organizations cannot protect what they cannot see. Maintaining an updated inventory of internet-facing assets, applications, systems, vendors, and technologies is essential for identifying exposure quickly when a new zero-day is disclosed.
2. Patch quickly when updates are available
   • Once a patch is released, organizations should prioritize remediation based on exposure, asset criticality, exploitability, and business impact. Delayed patching can turn a zero-day into a known but still dangerous vulnerability.
3. Use compensating controls
   • When a patch is not yet available, organizations may need to apply temporary controls. These can include disabling vulnerable services, restricting access, applying firewall rules, enforcing segmentation, increasing monitoring, or limiting exposure until a permanent fix is available.
4. Monitor vendor and supply chain exposure
   • Critical third parties should be assessed quickly when a zero-day is disclosed. Organizations need to know which vendors may be affected, what systems are exposed, what remediation actions are planned, and whether additional assurances are required.
5. Strengthen detection beyond signatures
   • Since zero-day attacks may not match known signatures, organizations should rely on behavior-based detection, anomaly monitoring, endpoint visibility, network monitoring, and threat intelligence to identify suspicious activity.
6. Stay informed through threat intelligence
   • Threat intelligence helps organizations understand whether a vulnerability is being discussed, weaponized, exploited, or linked to active campaigns. This context supports faster prioritization and response.
7. Prepare a response process before the incident
   • Zero-day response should not begin when the vulnerability is already being exploited. Organizations should have a defined process for identifying exposure, notifying internal stakeholders, contacting vendors, applying controls, documenting actions, and reporting status to leadership.

How CTM360 Helps Organizations Respond to Zero-Day Vulnerabilities

No organization can completely eliminate zero-day risk, but the impact can be reduced through a layered and proactive security strategy.

Continuous Vulnerability Monitoring

CTM360 continuously monitors newly disclosed, emerging, and actively exploited vulnerabilities to help organizations understand whether their external attack surface may be affected.

Analysis of Reliable Technical Intelligence

When reliable technical intelligence becomes available, CTM360 determine whether externally observable indicators exist that can safely identify potentially affected systems.

This intelligence may include:

• Affected products and versions
• Observable technology patterns
• Vendor advisories
• Technical research
• Indicators of compromise
• Verified proof-of-concept information

Safe and Non-Intrusive Validation

Before introducing a new detection check, CTM360 confirms that the vulnerability can be assessed through a safe and non-intrusive method.

Rapid Addition of New Detection Checks

Once a reliable detection method has been established, CTM360 rapidly adds the relevant check to the DeepScan module’s detection library.

This enables CTM360’s DeepScan to assess internet-facing assets, technologies, services, and software versions for potential exposure to the vulnerability.

Identification of Affected External Assets

CTM360's DeepScan Module scans the organization’s external attack surface to identify systems that may be associated with the affected technology, product, service, or version.

CTM360 helps organizations determine:

• Whether the affected technology is present across their external attack surface
• Which internet-facing assets may be associated with the vulnerability
• Whether the affected product, service, or version is externally exposed
• Which findings require immediate investigation or remediation
• Whether similar exposure exists across monitored third parties

Contextualized Exposure Findings

Relevant findings are presented with supporting context to help security teams validate exposure, understand the potential impact, and prioritize affected assets.

This helps organizations move beyond general vulnerability awareness and focus on the systems that may be directly exposed.

Support for Remediation and Compensating Controls

Organizations are alerted when relevant exposure is identified so they can coordinate remediation.

Where a patch is not yet available, organizations can use this visibility to apply compensating controls, such as:

• Restricting access to vulnerable services
• Disabling affected functionality
• Applying firewall or access-control rules
• Increasing monitoring
• Reducing external exposure
• Segmenting affected systems

Compensating controls should be treated as interim risk-reduction measures and should not replace the application of an official security patch or vendor-recommended fix when one becomes available. 

Conclusion

Zero-day vulnerabilities cannot always be prevented, but their potential impact can be significantly reduced through continuous visibility, timely threat intelligence, and rapid response.

FAQs

1. What Is a Zero-Day Vulnerability?
   • A zero-day vulnerability is a security flaw for which no official patch or security update is available. The vendor may be unaware of the flaw, giving attackers an opportunity to exploit it before organizations can apply a fix.
2. What Is the Difference Between Zero-Day and N-Day Vulnerabilities?
   • A zero-day vulnerability has no available patch when it becomes exploitable. An n-day vulnerability has already been publicly disclosed and is generally patched, but attackers continue targeting systems that have not yet applied the update. 
3. What Is the Difference Between a Zero-Day Vulnerability and a Zero-Day Exploit?
   • A zero-day vulnerability is the security weakness itself. A zero-day exploit is the code, method, or technique used to take advantage of that weakness before an effective patch is available.
4. What Is the Difference Between a CVE and a Zero-Day Vulnerability?
   • A CVE is a standardized identifier and public record used to track a specific vulnerability. A zero-day describes the vulnerability’s status, particularly that no official patch is available. A zero-day may initially have no CVE ID and receive one later.
5. What Is a Zero-Day Exploit?
   • A zero-day exploit is code or a technique that takes advantage of a zero-day vulnerability before an official patch or security update is available. Attackers may use it to gain unauthorized access, execute malicious code, steal data, or disrupt systems.

Overview

The fight against email-based threats is intensifying. Following the lead of Google and Yahoo, Microsoft has officially announced the mandatory implementation of email authentication protocols, SPF, DKIM, and DMARC, for high-volume email senders, effective May 5, 2025. Domains sending over 5,000 daily emails to Microsoft's platforms, including Outlook.com, Hotmail.com, and Live.com, will be required to authenticate their messages. Initially, non-compliant messages will be redirected to recipients' Junk folders, with eventual total rejection expected if compliance isn't achieved. This enforcement represents a critical step in securing global email communications from spoofing and phishing threats (Microsoft Tech Community).

Understanding Email Authentication

Email authentication has become essential in combating increasingly sophisticated phishing and spoofing attacks. Three core standards have been adopted widely:

• Sender Policy Framework (SPF: RFC 7208): Verifies the legitimacy of the sending mail server, ensuring messages originate from authorized infrastructure. SPF helps prevent sender address forgery by defining authorized sending sources in DNS records.

• DomainKeys Identified Mail (DKIM: RFC 6376): Cryptographically signs email messages, allowing recipients to confirm message content hasn't been altered in transit. DKIM leverages public-private key pairs to ensure message integrity and authenticity.

• Domain-based Message Authentication, Reporting, and Conformance (DMARC: RFC 7489): Combines SPF and DKIM to enforce domain alignment, verify authenticity, and provide reporting mechanisms for senders to track email usage and potential abuse. DMARC is recommended to be implemented in three incremental stages: initial monitoring (p=none), intermediate quarantining of suspicious messages to test the policy impact (p=quarantine), and full rejection of unauthorized emails to achieve DMARC compliance (p=reject). 

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Email Content and Delivery Best Practice Guidance

To help the email ecosystem thrive and ensure that legitimate communications reach users' inboxes, major providers like Google, Yahoo, and Microsoft have released a unified set of technical and content-based requirements. This section consolidates these guidelines into a single resource for senders seeking to avoid spam filtering and maintain high deliverability rates.
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1. Message Headers & Structural Integrity

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2. Content Hygiene and Formatting

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3. Infrastructure and Technical Configuration

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4. Recipient List Management

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5. Engagement and Complaint Monitoring

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6. Summary Recommendations

1. Align headers and domains with clear, professional identities.
2. Respect opt-in and unsubscribe behaviors with transparent mechanisms.
3. Structure content to be clean, concise, and free of deceptive or spammy characteristics.
4. Maintain technical hygiene through DNS, TLS, SPF limits, and ARC usage.
5. Monitor sender reputation and user engagement continuously.
6. Ensure SPF and DKIM are properly configured and aligned with the domain in the From header, and publish a DMARC record with at least p=none to begin monitoring and enforcement.

Immediate Impact and Risks of Non - compliance

As of May 2025, domains that fail SPF or DKIM checks or lack a correctly configured DMARC policy with alignment will risk having their emails marked as spam or not delivered at all. Misalignment occurs when the domain used in the message's "From" address doesn't match the domains authenticated by SPF or DKIM.

Organizations failing to comply face significant risks, including diminished deliverability rates, compromised customer trust, and increased susceptibility to impersonation attacks. These impacts directly affect an organization's reputation, customer engagement, and potentially, its revenue.

Actionable Recommendations for Immediate Implementation

To effectively prepare for these mandatory standards, organizations should:

• Audit current DNS records: Utilize tools such as "dig" or Google DNS to verify SPF, DKIM, and DMARC records.
• Begin with Monitoring (p=none): Initially deploy DMARC in monitoring mode to understand email flows and detect anomalies without risking legitimate email delivery.
• Gradually enforce stricter policies: Move from quarantine to full rejection while monitoring.
• Ensure domain alignment: "From" domain must match what’s authenticated via SPF or DKIM.
• Maintain email hygiene: Clean lists, include a clear opt-out option, and avoid using misleading subject lines or headers.

Start Your DMARC Journey with CTM360 Free Community Edition

To support organizations navigating these changes, CTM360 offers a complimentary zero-cost Community Edition platform. It allows comprehensive monitoring, management, and enhancement of your DMARC records and email authentication setup. This proactive approach helps organizations reduce risks associated with impersonation attacks and maintain reliable email communication.

Join CTM360 Community Edition today, no hidden costs, simply real security.

Reference:

• Google Email Sender Guidelines
• Yahoo Sender Best Practices
• Microsoft High-Volume Sender Requirements

Disclaimer:

The information contained in this document is meant to provide general guidance and brief information to the intended recipient pertaining to the incident and recommended action. Therefore, this information is provided "as is" without warranties of any kind, express or implied, including accuracy, timeliness, and completeness.

Consequently, under NO condition shall CTM360®, its related partners, directors, principals, agents, or employees be liable for any direct, indirect, accidental, special, exemplary, punitive, consequential, or other damages or claims whatsoever including, but not limited to loss of data, loss in profits/business, network disruption...etc., arisina out of or in connection with this advisory.

For more information: Email: monitor@ctm360.com Tel: (973) 77 360 360

CTM360 has observed a sudden rise in Whatsapp accounts being hijacked in the MENA Region. In most cases, this occurs through social engineering, in which the victim would receive a Whatsapp message or phone call; they are usually requested to provide verification codes or personal/confidential information. Such disclosure would enable the hijackers to take over their victims’ Whatsapp accounts.

Following these occurrences, scammers could then use these accounts to impersonate the victim or even Whatsapp’s support team, usually to send suspicious links to unsuspecting users, or further implement social engineering techniques on other potential victims.

ALTERNATE METHODS USED TO HIJACK WATSAPP ACCOUNTS

CTM360 has observed a sudden rise in Whatsapp accounts being hijacked in the MENA Region. In most cases, this occurs through social engineering, in which the victim would receive a Whatsapp message or phone call; they are usually requested to provide verification codes or personal/confidential information. Such disclosure would enable the hijackers to take over their victims’ Whatsapp accounts.

Following these occurrences, scammers could then use these accounts to impersonate the victim or even Whatsapp’s support team, usually to send suspicious links to unsuspecting users, or further implement social engineering techniques on other potential victims.

Alternate methods used to hijack watsapp accounts

Although most attacks occur through social engineering, many scammers had deviated from their traditional methods. Some key examples may include but are not limited to:

• Brand impersonation: Big brands may often be targeted, e.g. banks and financial institutions, to display a sense of legitimacy. Threat actors may often use a well-known brand image claiming to be from a reputable company. With a convincing display, it wouldn’t take much effort to attain trust and obtain confidential information from victims.
• High profile Impersonation: Scammers may often choose to impersonate C-level executives of large, well-known organizations and other well-known influential personalities. Assuming the character of high profile individuals may convey a sense of importance to the victim, and perhaps invoke a sense of urgency to respond and comply with any given requests.
• Hijacked Whatsapp Accounts: Scammers may use hijacked Whatsapp accounts to send malicious links or requests to the previous account owner’s contacts. Since the contacts are already connected with the victim, the sense of trust may be used to the scammer’s advantage.
• Fake Promotions: Fraudsters may often send links or messages containing information regarding special promotions on fake E-commerce sites. These sites would often lure their victims into providing their WhatsApp registration codes.
• Compromising Victims Voicemail Using Default Password: Scammers may bypass the Whatsapp verification process with the help of the target's voicemail account. This is done when the hacker repeatedly fails the registration code and Whatsapp performs a voice verification by calling the victim directly. By initiating the attack at odd hours, scammers would be able to redirect the message to the victim’s voicemail, which the hacker can easily penetrate to recover the audio message. As a result, victims may get their account stolen without even realizing what had happened.

SECURE YOUR WHATSAPP ACCOUNT

WhatsApp users are advised to take necessary precautionary measures to protect themselves from falling victim to attacks. Some of these include:

• Protecting your WhatsApp account by enabling the ‘Two-Step Verification’ feature; is found under the ‘Settings’ tab of your WhatsApp application. Users may also enable the option of a backup email address if they wish.
• Changing your default voicemail PIN. Please refer to your respective Telco service providers for information on changing/resetting your voicemail PIN.
• Do not share your WhatsApp account verification codes or any One-Time Passwords (OTP) with anyone. You may receive suspicious messages from existing contacts or strangers via WhatsApp. Do not respond, especially if the sender requests an OTP or code. Also do not click on any links or provide any personal information.
• Verify the authenticity of the messages through alternative means (e.g. calling the contact, online research etc.) If the suspicious messages are from unknown numbers, report the contact to WhatsApp directly.