What kind of crime includes unauthorized withdrawals to divert customer funds?

The correct answer pertains to looting crimes, which involve theft or misappropriation of funds that are not authorized by the account holder. In this context, looting crimes can specifically refer to instances where someone unlawfully accesses an account—such as through unauthorized withdrawals—diverting customer funds for personal gain. This criminal behavior can occur through various methods, including exploiting weaknesses in bank security systems or through social engineering tactics that manipulate legitimate access to accounts.

While account takeover and identity fraud also involve illegal access to funds and personal information, they are more closely related to the means and methods used to commit the crime rather than the act of diverting funds itself. Account takeover typically refers to gaining control over a victim's account, while identity fraud can involve a broader range of identity theft activities. Wire fraud, on the other hand, specifically deals with the illegal transfer of funds via electronic means but does not encompass the overall theft of customer funds in the same way that looting crimes do. Understanding these distinctions helps clarify why looting crimes is the most appropriate term for unauthorized withdrawals diverting customer funds.