A Dutch man is facing prosecution after allegedly using deepfake technology and forged identity documents to open at least 46 bank accounts with Dutch lender ABN AMRO, according to court proceedings in Amsterdam. Prosecutors claim the accounts were created using manipulated identification documents and were later used for fraudulent purchases and financial transactions in the names of unsuspecting victims.
Deepfake Technology Allegedly Used to Bypass Bank Verification
Authorities told the court that the accused manipulated passport and identity card photographs using artificial intelligence tools, replacing original faces with altered images to deceive the bank’s online verification system. ABN AMRO’s onboarding process reportedly requires applicants to upload an identity document and provide a selfie for facial verification before opening an account.
Investigators allege the man successfully exploited this digital verification mechanism multiple times, enabling him to obtain bank cards and activate dozens of fraudulent accounts. The fraud was eventually detected when one application reportedly contained a woman’s passport but a selfie image showing a man.
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Personal Data Allegedly Sourced Through Social Media and Fake Rental Listings
Prosecutors said several identity documents used in the fraud were obtained from social media platforms, while others were allegedly collected through fake apartment rental advertisements posted online. Individuals responding to the listings were reportedly asked to provide copies of identification documents as part of a sham verification process.
Police later recovered multiple photographs, names, and personal documents from the suspect’s phone that investigators believe were connected to the misuse of victim identities.
Suspect Claims He Was Recruited Through TikTok Advertisement
During the hearing, the accused stated he became involved after responding to a TikTok advertisement offering remote work opportunities. He claimed he was initially told the photographs and videos he provided were for AI-generated promotional content.
The man further alleged another individual remotely accessed his computer during parts of the process and that he did not fully understand how the material would be used. However, prosecutors contend the suspect knowingly participated in the fraud, noting he admitted transferring money and understood the activity was unlawful.
Prosecutors Seek 30-Month Prison Sentence
The Dutch Public Prosecution Service has charged the man with fraud, forgery of identification documents, possession of stolen personal data, and handling stolen goods. Prosecutors are seeking a 30-month prison sentence, including six months suspended, along with compensation of €6,240 payable to ABN AMRO.
The court is expected to issue its ruling later this month.
