Which of the following is an example of an electronic funds transfer (EFT) fraud scheme?

An electronic funds transfer (EFT) fraud scheme involves unauthorized transactions that manipulate electronic payment systems to unlawfully move funds. The option indicating "all of the above" captures various methods by which EFT fraud can occur.

For instance, a hacker directing funds from consumers' accounts qualifies as a form of EFT fraud because it involves the misuse of electronic systems to transfer money without authorization. This scenario highlights a direct intrusion into the financial systems and unauthorized access to accounts.

Similarly, a person instructing a biller to obtain payment from a stolen bank account constitutes EFT fraud because it demonstrates the illegal use of someone else's account information to facilitate a transaction. This manipulation of payment instructions to extract funds from a stolen account illustrates deceitful practices in electronic transfers.

Additionally, an employee misappropriating customer account information aligns with EFT fraud, as it involves the improper handling of sensitive information that can lead to unauthorized withdrawals or transfers. By accessing and using such data without consent, the employee engages in fraudulent activities that directly impact consumers' finances.

Thus, all these scenarios exemplify different facets of EFT fraud, making the option that includes all of these examples the correct choice.