Prevent Losses At Scale
Subscribe on behalf of your customers, members, clients, or citizens. Turn regulatory exposure into a documented mitigation before the Scams Prevention Framework goes live for banks on 30 June 2026 — and give every Australian a real person to call before they click.
Two Clear Audiences
We're already protecting charities, villages, small businesses, and individual seniors. For banks and government, the opportunity is the same capability at population scale — bundled, branded, and billed institutionally instead of individually.
Reduce your SPF reimbursement exposure before July 2026.
Bundle Red Flagg™ Senior Protection into your customer offering. Document a scam prevention control. Turn a regulatory cost centre into a customer retention feature.
The problem the SPF creates for you
- Banks must be SPF compliant by 30 June 2026 or face fines up to $50M per entity.
- Non-compliant controls make you liable for reimbursement of customer scam losses.
- AFCA begins hearing SPF complaints from 1 January 2027 — disputes go external fast.
- Scam loss data is public. Being the worst-performing bank is a reputational liability.
- Every scam your customer falls for is a call to your branch and a payout claim.
Protect your citizens at population scale — not one at a time.
Federal, state, local government, aged care providers, and peak body commissioners can fund Red Flagg™ across cohorts: pensioners, NDIS participants, regional communities, public housing residents.
Why government should care
- Scam losses hit pensioners, Indigenous communities, CALD, and regional Australians hardest.
- Every scam creates downstream welfare, mental health, and legal aid costs for the state.
- A per-citizen subscription at scale is cheaper than remediation after the fact.
- Documented scam-prevention programmes support grants, policy KPIs, and electoral commitments.
- We already work with residential villages under a sponsorship model — same mechanic, bigger cohort.
SPF Compliance Timeline
The Scams Prevention Framework became law in February 2025. Here's what banks, telcos, and digital platforms face next — and where Red Flagg™ fits in.
SPF legislation passed
Federal Parliament amended the Competition and Consumer Act 2010 to create the Scams Prevention Framework. Six principles defined; 30+ sector-specific controls to follow.
Treasury consultancy released
Detailed controls for banks, telcos, and digital platforms published for industry consultation. Reimbursement mechanism confirmed.
Banks preparing for go-live
Banks must integrate scam prevention into existing governance structures — same seriousness applied to AML/CTF and cybersecurity. Executive and board oversight, documented policies, defined risk metrics, internal assurance. Red Flagg™ is ready to be part of that control set.
Mandatory compliance for banks
Banks must have a fully operational scam reporting and internal dispute resolution (IDR) mechanism. Non-compliance = fines up to $50M or 30% of adjusted turnover, plus reimbursement liability.
AFCA membership mandatory
All banks must be members of AFCA for scam dispute resolution. External dispute exposure formally begins.
AFCA begins hearing SPF complaints
Customer disputes about scam reimbursement start being adjudicated externally. Banks now fully exposed.
A Documented Control
Three ways Red Flagg™ becomes part of your scam prevention control environment. All three can be bundled, co-branded, or white-labelled.
The Hotline
Your customers, members, clients, or citizens get a real Australian on the phone when something doesn't feel right. 1800 930 329, 8am–8pm, 7 days. Avg response: 10 minutes.
This is the documented customer-facing control. In SPF language: a consumer-accessible reporting mechanism with plain-English response, logged and auditable.
The Intel Layer
We see scam patterns across customers in real time — before banks see them as failed transactions. Intelligence feeds back to you as monthly scam activity reports, trending vectors, and early warning signals.
Cohort-level reporting for branches, regions, or customer segments. Shareable with the Australian Financial Crimes Exchange.
The Recovery Service
When something does go wrong, we step in. Technical case manager, forensic device cleanup, bank liaison, legal recovery support, welfare checks. Full incident response on behalf of your customer.
Reduces your own remediation load. Gives customers a documented pathway that isn't "call the branch again."
Turning Liability Into Value
Example: a mid-tier Australian bank with 500,000 customers over 60
- Customers eligible for Senior Protection sponsorship (60+ cohort) 500,000
- Annual scam-loss reimbursement exposure per customer (avg under SPF) $400+
- Potential annual reimbursement liability if SPF controls fail $200M+
- Cost of bundled Red Flagg™ Senior Protection at institutional rates Fraction of that
- Additional benefit: branch visit reduction, NPS uplift, retention, good press Documented
Answered Up Front
Is Red Flagg™ big enough to serve a major bank or government department?
We're a Year 2 Australian cyber security company, founded by an industry leader with 30+ years in IT, leadership and governance. We already deliver managed services across Australia, the US, and South Africa, and our infrastructure is built on Microsoft Azure Australia data centres.
For population-scale partnerships, we scope delivery jointly. We don't pretend we're a 2,000-person consultancy — but we do have the capability, partners, and delivery model to run a cohort of any size. A pilot of 5,000–10,000 customers is a sensible starting point; we scale from there.
How is this different from what the bank/department already does?
Banks already have fraud teams, SMS warnings, transaction monitoring, and AFCA processes. Those are the detection and resolution layers. What most banks are missing is the prevention layer before a scam transaction is ever attempted — a calm human voice the customer can call before they click, reply, or send.
Red Flagg™ provides exactly that. We're the "pause and check" step between the scam being attempted and the scam becoming a reimbursable loss.
Can we white-label the service or co-brand it?
Yes. Three options: Red Flagg™ branded (simplest, fastest to deploy), co-branded ("Your Bank × Red Flagg™"), or white-label (your brand on the service, Red Flagg™ delivers in the background).
White-label has a longer setup window and higher commercial threshold, but is viable for major institutional partners.
How is customer data handled?
All customer data is stored on Microsoft Azure Australia East (Sydney) and Australia Southeast (Melbourne) — both ISO 27001 and SOC 2 certified. Data sovereignty maintained at all times. We handle data under the Australian Privacy Principles and the Notifiable Data Breaches scheme.
For bank and government partnerships, we'll sign a bespoke Data Sharing Agreement defining exactly what we receive, how we use it, and when we delete it. No data is used for AI training. No data is resold.
Does this satisfy SPF "control" requirements for audit purposes?
Red Flagg™ provides a documented, measurable, auditable customer-facing scam-prevention control with defined SLAs, logged interactions, and periodic reporting. Whether that satisfies your specific SPF obligations is a matter for your compliance team to confirm — we'll provide everything they need to make that assessment (process documentation, SLA evidence, audit trails, incident reports).
We don't claim to be an SPF silver bullet. We claim to be one of the best-documented customer-facing controls you can deploy before 30 June 2026.
What does engagement look like in practice?
Typical engagement: (1) exploratory conversation under NDA, (2) cohort definition workshop (who gets coverage, what's the intake flow), (3) pilot deployment of a small cohort with full reporting, (4) scale decision at 90 or 180 days.
We don't expect institutional partners to sign a blank cheque. Pilot → evidence → scale.
How do we start a conversation?
Email partnerships@redflagg.com.au or call the founder directly on 1800 930 329. First conversation is exploratory, under NDA if required, no commitment.
Expect a response within one business day — usually the same day.
Before 30 June 2026
Banks have weeks, not months, to document their scam prevention control set before SPF goes live. Government has a cohort to protect and a budget to justify. Red Flagg™ is ready to be part of both answers.
Cyber security built around people. Real Australians, plain English, and practical help you can call on.
Acknowledgement of Country. We recognise the traditional owners of the country where we live and work, in particular the Wurundjeri people of the Kulin nation and the Wurrung people. We pay our respects to Elders past, present, and emerging.
Protection
Talk To A Human
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1800 930 329 8am–8pm, 7 days (local)
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hello@redflagg.com.au General enquiries
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support@redflagg.com.au Customer support
If Something Feels Off
Check it with Red Flagg™. That's what we're here for.