Organized cyber thieves are increasingly looting businesses in heists that can net hundreds of thousands of dollars. Security vendors and pundits may be quick to suggest a new layer of technology to thwart such crimes, but in a great many cases, the virtual robbers are foiled because an alert observer spotted something amiss early on and raised a red flag. In mid-July, computer crooks stole $447,000 from Ferma Corp., a Santa Maria, Calif.-based demolition company, by initiating a large batch of transfers from Ferma’s online bank account to 39 “money mules,” willing or unwitting accomplices who typically are ensnared via job search Web sites into bogus work-at-home schemes. Ferma President Roy Ferrari said he learned of the fraud not from his bank but from a financial institution at which several of the mules had recently opened accounts. Ferma employees worked extensively with that bank and several others to reverse the