It can be a hardship for a couple is which divorce is pending. The wife has moved out, the husband now taking care of a very large house. He neglects it. People complain. Because of this he cannot have a pet, and with missed and late payments he too, cannot have a pet.
A certified financial planner would be able to instruct people on how to set up frameworks for themselves, their family and children. That way it's customized to their situation and they have somebody who is registered who can answer questions from a financial standpoint.
When there is a back-and-forth inability to tell the truth, it’s indicative of predatory behaviors and instincts that are being cultivated.
A greedy person about to go bankrupt, will charge prices that are well above market rate for their industry. As a result, these prices will bankrupt him because they are not in line with other professionals in their field. If business suffers as a result of the increase in hourly wages, increasing it again will tank the business. Clients will begin to wonder if there is fraudulent activity occurring.
I cannot prevent fraud that is ALREADY occurring in a company. Even if the same fraud has been occurring again and again, and rapidly. In this scenario, somebody already knows about the fraud. And the reason it keeps occurring is because it is intentional and they’re doing nothing to stop it or close the loophole to prevent it from happening again.
Manipulative behavior is the obstacle to growth as a person
It is unconscionable that a person fails to feel remorse and regret, seeing people as objects to be abused and maltreated; even family was used, and put into bankruptcy.
When his world comes crashing down - the landslide - people find out who he really is and turn away from him - he might get arrested. He can no longer conceal who he is and the behaviors he’s been hiding.
It is the psych and medical evaluations performed immediately that confirms what the family has been suspecting all along.
The first time someone commits an illegal act and gets caught, he has no idea that he has lost more than just his freedom. He now has a guilty verdict.
He now has to go through the rest of his life with the burden of heavy negative emotions of what he has done. His family is embarrassed for him. His children do not speak to him. His parents are embarrassed and especially shocked and hurt about all the criminal activity he became involved in that resulted in multiple felonies.
Forecasting, the third step in pride. This may or may not happen to someone. They could make different choices. The next step is a psychotic break or a suicide attempt due to the financial landslide. It can be anywhere from one to three months away.
He has not protected his assets and does not have a back up supplemental monetary plan. He has depleted his inner circles; they are bankrupt. He has not provided for his family in case of an emergency. He doesn't have a secondary career to fall back on.
No, I cannot predict everything because people make different choices, they come from different backgrounds and they're given opportunities to get themselves out of a landslide. But if this person continues on his path, this is likely where he will end up.
A prideful person's next step is hitting rock bottom. No one can save him. This could be the reason why the head is very deeply buried in the sand. He sees other people's monetary assets as his, whether that’s a fixed income, a trust fund, a wealthy older woman or someone else's supplemental income.
Some examples are: a person cannot admit that they are running out of money, doesn’t have skills, is dishonest, cannot hold himself accountable, going into massive debt, is an alcoholic and bankrupting his ‘accounts’ (people he uses to pay off debt).
Shirking responsibilities is more than not paying bills and having missed and late payments. It is neglecting, forgetting to feed the cat, not prioritizing paying people back for debts owed, but also “making light of” abusive behavior and maltreatment of others. It is abandoning your family when a fraud is discovered.
A perpetrator only knows bullying to gain compliance to survive. If he continues on this path it will likely lead to criminal behavior that gets him arrested and in jail.
When a person has poor insight into himself, he cannot see how his behavior affects others. He does not plan ahead. His eyes only see "instant gratification."
He sees other people's monetary resources to obtain the things he wants. He does not have his own supplemental income.
A person does not feel that they need to pay back debts. Their financial irresponsibility has been going on for a couple of years and is getting worse. It’s one of the reasons that their business is tanking.
Clients do not want to do business with somebody who does not pay their bills on time.
When a person‘s values take a nosedive, it feels like a gut punch. When a lawful person begins to cause division in marriages, allows dishonesty in partnerships, and increase bad backdoor business deals, it is the death knoll that’s something is worsening.
Fraudsters bring negative attention to themselves when they point fingers and deny the fraud that they accuse others of that they are concealing.
Massive regret occurs only after a decision was made, such as the wait-and-see approach or to ignore something entirely.
People need to fight fraud every day, challenging themselves when they’re put in difficult positions, and asking why decisions are being made. It should not be asked in a confrontational style, but more of an inquisitive approach. If there is a wait-and-see approach, what is the benefit they are gaining?
When you find out that you are the HCP effect, it’s a humiliating and shameful experience. The guilt and shame you feel is normal. You might feel “I should have known better, I’m a XX-veteran and I still got duped. ”The only way to prevent this from happening again is to understand why you were easily led.
Until you figure out the root cause, healing cannot be done and when the same situation happens again you may fall into the same repeating pattern. Heal yourself first.
It is hard to be in relationship when you are constantly demeaned and put down. A lack of problem resolution begins with insults, derogatory comments, criticisms, attacks to self-worth and self-esteem. It is important to be non-reactive, and walk away.
An Alzheimer's patient, is led to believe and be deceived that their actions are helping someone. The harsh reality is they can be committing bank fraud. This person is following the HCP's lead. The HCP is taking advantage of a moderate declining cognitive state. The HCP doesn't care if the Alzheimer's patient gets arrested, has a criminal record or goes to jail for carrying out the request. This is elder abuse also.
A husband who does not want to pay alimony can have his state licenses revoked. He cannot leave his wife destitute and not pay your bills. He must make payment arrangements so that he does not have a judgment or lien on his mortgage, property or business because he owes you money.
If at any time he made his bills a priority and not the wife’s, the legal document must show that paying the debt to his wife is now the priority.
The life lesson for a couple intent on causing trouble and division in another person’s marriage - is to be happy with what you have. When you get rid of a blessing, you can only expect consequences of embarrassment and humiliation to be your friend.
Their bad choices, resulted in bad decisions, resulting in bad everything. They really messed up. Several couples got caught up in this mess and when the tables turned, the truth came out as to what happened, how people were led to believe, and easily manipulated.
What could be a potential life-threatening situation can immediately be halted through an intervention so that the person who needs mental health support can get the services they need.
Prevention of volatile behavior, being proactive, and getting people the mental health services that they need is crucial to prevent something more disastrous and dangerous from occurring. When people act out of character, display erratic and bizarre behavior it is much more than stress.
A disastrous effect of the HCP effect is a relative attempting to get mental health services for a family member, but are repeatedly dismissed.
Despite repeated requests by a host of facilities and professionals they were still ignored. What happens? It can look like workplace violence, a school shooting, a man who threatens his wife with rape or threatens his children with a gun. It also looks like threatening behavior in public.
Imagine the lawsuits, sanctions, and fines that a hospital would incur if they did not believe a victim, whose water was poisoned with bleach; imagine they died.
There would be internal investigations, resulting in terrible consequences for the staff, to include jail time and medical licenses being removed.
If lawful citizens are not careful, they can easily and unintentionally further a crime, such as extortion. Once they realize what they have done, committed felonies, they are eager to keep this secret and hide this MAJOR lie behind 100 little lies.
Anyone who has witnessed it will be made out to be crazy, incompetent or they may be kidnapped.
I can warn your group or team of incoming threats in advance, so that you can get into formation to protect your group.
A young teenager has a tattoo of a grandfather's death stenciled on her calf. It is so large it covers half of her leg. He obviously played an important role and had a substantial impact on her, a major influence. When her father left. He also emotionally abandoned her, and only contacted her for obligatory events. There is a reason for this estrangement. There has to be reciprocity on both sides for the relationship to work.
It is near impossible for a person with antisocial personality disorder or psychopathy to feel remorse for their crimes. They regret that they were punished, and were caught. They feel nothing, no empathy and compassion.
Being in jail is a different story, as the physical pain, violence and trauma is a daily occurrence.
A husband badmouths his wife to her uncle; she is slandered relentlessly. He pontificated about himself and made it look like his opinion was gospel. The uncle has second thoughts and doubts about the husband's character, loyalty, and honesty towards the wife. The uncle picks up that he is being dishonest, trying to cover up something he has done, a MAJOR lie. If he can make others believe his wife is crazy and incompetent, it will prevent his secret from getting out. But, his deception is heard by other relatives and soon his secret is discovered.
A father, whose intentions is to drive someone to suicide is insane and mentally disturbed. It is difficult to come to terms with a person cascading down the mountain of mental arrangement, spiraling down into depression and thoughts of murderous rage.
A father is unrecognizable as his unbridled rage is taken out in the most horrific, torturous, and demeaning way. When the police write their report, the events leading up to this violent episode will be scrutinized moment to moment.
It is a great, substantial loss to lose your father to criminal barbaric behavior. God has not intended for us to lose our parents, he intended for us to get along and work through our problems, heal from the dysfunction through counseling and support.
In a dysfunctional and toxic system, not everyone is trying to heal their pain, projections, weaknesses, and are not trying to understand why they have anger outbursts. The lack of love that they have for themselves shows in that they're not trying to be a better person for themselves and to keep relationships. They are making things worse all around.
Being well-versed in perception and gut instincts I've been training for a while now for a tremendously challenging ordeal ahead. It will challenge me to be objective, and calm through decision-making. It will require me to be non-reactive so as not to escalate the situation.
When you choose to engage in business with the cartel or mafia, you are using their resources. You are also fair game for their choice of severe to harsh punishment if you do not keep your commitment to them.
If RICO is involved with a business, and you are hired by them, you could be complicit in furthering illicit activity or engaging in criminal activity. A felony may be headed your way.
People who may be hiding under the guise of fraudster will throw you under the bus, fail to do their jobs and accuse you of a crime - in an attempt to derail your career. Don't take the bait.
It is hard to be left behind. We have all done it. Sometimes it is for safety and protection or to end a relationship. Nonetheless, it takes an adjustment to get used to the new normal. Give yourself time to go through the forgiving and letting go process.
If you were left, don't get up in the details of why are all these people leaving? Nine times out of 10 it has nothing to do with you and everything to do with them. Look at the bigger picture. Do you want unsupportive people who are fake friends, who gossip about you, make you look bad in front of coworkers or pretend to be a close colleague, but has been slandering you? If you grew up in a hostile household, and everyone is leaving you because you are becoming healed and whole on your own, then keep the positive outlook and move forward without them.
It is so important for people to have supplemental income to fall back on. Even young teenagers can practice a skill or craft so they can have additional money if they have an unexpected or unplanned expense. It is always good to have a back up plan for income so that you are not swayed by others to do something that is not in your best interest.
When a spouse is no longer interested in their relationship, the road they shared with their spouse, has now been replaced with: holding onto slides, ignoring the feelings of their spouse and boundaries, a hobby, work, and other people. Now their selfishness has corroded the relationship and instant gratification is more important than family.
This behavior can lead to getting involved in gangs, having friends that are criminals or involved in criminal activity.
An extremely toxic action can be an expression of disappointment, hurt, grief, and sudden abandonment. It can be difficult to know what to do with massive emotional pain, heartbreak, shock, devastation, and regret and remorse.
It is the nervous breakdown, the psychotic break, the overdose, reckless driving, a violent assault or a series of violent attacks.
Because of how someone treated you in the past, you may not want them in your future.
A person who is being initiated into the cartel, must do what members say, and when they say. They are coaching them on what to do, how to be deceptive and deceitful, lie, be dishonest with family and how to fool authorities. Eventually, the dishonesty and lies will catch up to them, there will be a financial landslide, a pitfall and a fall from grace (pride goes before the fall). They will fall on their sword of deception. They will have brought it on themselves.
You can save someone's life, but you cannot do their healing for them. They have to discover that on their own.
You have to make a conscious choice, even when you're put into a difficult position, to do what's right for you and for your healing. Even if that means letting go of a toxic person from your life.
Manipulating a CFE is ill-advised; I will not be lenient on you because you decided to come clean. The same goes with you intentionally choosing to make the same bad decision repeatedly to engage in illicit activity.
It can be tremendously difficult to find out that a dysfunctional family unit are the ones behind all "the trouble." Their level of criminal insanity put them into a position in which all the evidence points back to them.
The trajectory of the cons game will eventually lead to massive pain, when all the people in their life leave. Their challenging behavior makes people afraid, they can no longer be trusted and they now have a criminal record. Their parents have a no contact order due to their episodes of violence, and he cannot keep a job. If people are afraid of this person, they won't likely have a support system. Eventually, the possibility of returning to prison is very high.
Concealment of abnormal reactions that have been taken to an art form can no longer be hidden. It is now coming out in the form of defamatory comments made online on apps, such as Fox News and NextDoor. Provocations up to, and including: irritating others, spreading lies, slandering others users, contributing to rabble-rouser behavior, publicly trying to destroy someone and even taking something too far to the point where charges are pressed.
Showing how prostitution, illegal gambling, and human and sex trafficking operates can be done in a safe way. An example is with federal special agents. In this way, it can teach. If I see it unintentionally, it can also teach.
Extreme force equals extreme violence. Cartel members will eliminate anyone that gets in their way of furthering a crime.
My violence prevention protocol is the opposite of what they are teaching new recruits.
When we see these young kids involved in gangs, we see the coercive control, escalating situations and threats. Sometimes they use excessive force. This is how they train them as a young warrior. There is no negotiation and no compromise. Resolving conflict is done with a gun and threats to their life. This is why we see so many conflicts amongst young people and ZERO attempt to resolve a problem in an adult manner.
Cartel members who train new recruits require obtaining compliance in a series of steps. The member is training the newbie (not on how to diffuse violence) on how to instigate problems, and quickly escalate a situation through demands of verbal abuse.
He's teaching the new recruit how to rob. He is showing how to use coercive control and threats to gain compliance.
The more erratic that behavior becomes, the more a person will try and hide their abnormal reactions. What is being hidden? A good guess is sociopathic traits needed to do a job. This person may be mentally unwell, and trying to hide his traits.
Healthy individuals who pick up and sense that deception that is occurring, may automatically think that someone is cheating. This isn't always the case. This could be the deception part. On the other hand, engagement in illicit activity, such as BEFORE a family event, and AFTER could mean anything. It could be a "meeting" that coincides with the family event. This conceals X and is unknown to others. Note: Energy does not lie. If people are picking up on "deception" something is awry.
Healthy individuals who are not from dysfunctional families recognize toxic traits early. They recognize the toxic cycles. This is why they pick up, sense and have a gut feeling that someone is making trouble - due to sudden behavioral changes, masking abnormal reactions, and deception. These people are another group who is noticing the out of character, bizarre, and unusual behavior. They cannot put their finger on what's wrong.
Dysfunctional people may think it's odd, but think nothing of it.
Fraudster behavior and dysfunctional family systems are similar. They can go hand-in-hand to prostitution, the way the drug cartel operates, the way behavior is and how mental illness and cognitive degenerative disease play a part in dysfunctional communication.
I don't know what generation was taught to never back down from a fight, and I hope to lead by example.
One of my sources relayed this about gang members thoughts about me:
"If we are to see her, we are to stop our criminal behavior. She won't know if we're actual criminals or with the cartel. I don't wanna go back to jail. Prison was not a safe place for me. She keeps me in line. She keeps me in check when she is out in the neighborhood. Cartel members act, all tough and arrogant, but they are scared of her. They don't wanna go back to jail either."
If the HCP effect individuals do not heal from why they were easily lead, it will happen again. If the world doesn't learn from this, we will all be in poverty, bankruptcy, and criminals will have taken over.
A person has to want better for himself, he can't expect his spouse or partner to do all the work in the relationship.
It can be shocking to realize that ambivalence and indifference to thoughts, emotions and feelings of others is an indicator of underlying psychopathy and antisocial personality disorder. This means this person faked emotions and feelings because he knows that's how people react in certain situations. With this new information, it should make you wonder, but also - does it make you guess or react emotionally?
Are they leading you on? Are they being genuine or conning you? Looking back, things will start to make sense. This is part of healing; have compassion for yourself during the time that you didn't know.
One of the hallmarks that a relationship has soured is the lack of communication and conversation with the other. Avoidance that increases substantially to the point where interaction is uncomfortable and awkward is the second.
Procrastination will eventually break down relationships. It looks like waiting too long to work on a marriage, solve problems between friends, receive counseling for a personal issue. Sometimes a counselor is able to get through to their patient. It can be difficult for a person to get a grip on how they the neglected, ignored and treated people as options cause them to disappear and leave their life.
Some people will lead a mediocre lifestyle, no matter what. You cannot change them until they want to change themselves.
Why did the stock market crash happen and how does it relate to fraudsters tanking businesses today? Ex. A man's business is taking and his colleague says, "I know a guy who helped me. Let me introduce him to you." A deal is made. It increased the business man's profits for a while, but then, unintentionally, he got in over his head with debt. The guy had him over a barrel. Now he is making payments to the mafia or cartel. There is a harsh punishment of payment is not made on time.
Experts are experts in their own field because of the massive pain, circumstances that were out of their control, their suffering or their life experiences that they recovered from. It doesn't mean that their advice and being a guru applies to you or someone else. It applies to them and they are sharing their experience through information. You cannot base another expert's healing from turmoil, to apply to you.
It's the one who doubts themselves that makes others doubt themselves. They ask, "are you sure?"
This is how doubt is instilled, and how an insecurity is created.
Dysfunctional families do not see how their abusive behavior affects other people, but when they do, sometimes it must be pointed out by a psychiatrist, lawyer, and even law-enforcement. They truly believe that the member they have treated so poorly is the one who is mentally unwell, un sound or that they are the problem.
You have to understand why you are listening to misinformation and deception? If you were easily led by deception and lies, you will easily be manipulated. When you're easily manipulated, you're easily controlled. This is how people will be led.... the trajectory ... is of one world order.
The truth comes out in an emotional crisis.
A person with no sense of self, of who they are, their likes and dislikes, what they value and what their moral code is, can easily be persuaded by a stronger HCP personality.
Even big mistakes, help you to process your pain faster. It helps you to move forward a little bit. By reflecting, and contemplating it helps you to progress and process your pain.
It isn't until after much abuse and neglect, dysfunctional, communication, playing games, lying, and being deceitful, that a family member begins to distance themselves from their family of origin. They obviously want better for themselves, I know I would.
The HCP effect keeps people from coming forward with what they know. After all, if someone knows something about a crime that occurred or a missing person's case, they must be involved in some way, right?
Marital affairs can happen anywhere, however, a church would be an unusual place. While others are hoping to meet their future spouse, a married spouse, can easily sneak away and hide a secret relationship under a long-standing friendship; sneaking away for a little affection.
In Greensboro, there is a place of business for budding entrepreneurs, called the Nussbaum Center. There are businesses in that center that have gone out of business because of defamatory remarks written online about them. They didn’t have a fighting chance, ended up losing profit, and closed their business.
This was due in part because of some dark web person who decides whether someone has a chance at success. Everyone has a right to a livelihood, whether you believe it or not.
The reason a fraudster goes undetected for decades is because they created the appearance and lifestyle of the nuclear family – the Norman Rockwell family – loving, close-knit, showing care and compassion. This could be further from the truth.
All types of trauma, abuse, neglect, malnourishment, poisonings, causing bodily harm - could be covered in a manner of ways. Some of it was done as punishment for their behavior, not acting in compliance, not giving in to demands. Many families like this still exist today, it is barbaric and primitive.
A defamation lawsuit can arise when multiple people witness, on an app, the defamatory and slanderous comments made online. If someone feels threatened enough, they will press charges.
A defamation lawsuit can reduce a person’s lifestyle. If it involves racketeering and illegal kickbacks, it can get them disbarred or their medical license taken away.
It can be a humiliating experience for the fraudster who thinks they have a target figured out. But, they made a fool of themselves, and is laughable, shaking my head, that they just embarrassed themselves in public.
They now have an audience who can confirm and hold them accountable for their egregious behavior.
A planned attack can be devised by a group of “dirty” individuals and is meant to get you arrested and in trouble.
A fraudster is looking for trouble and may look for an easy target. Remember, he/she is looking for a toxic reaction from you. It is best to acknowledge with a short: Do I know you? If it is met with harassment, be silent and walk away towards a store.
In the event you are being harassed by a stranger at a shopping mall, there are likely a number of people ready to call 911 and assist you – in the stores, on the sidewalk, people going to their cars. Police are probably already in the vicinity and they will arrive in a couple of minutes. Now, you have the public as witnesses who can testify against the fraudster harassing you.
The consequences of slander can become so severe that the target of blame cannot escape.
When a person is a target of a hate crime or is the subject of a smear campaign it would eventually cause a person to enter into the witness relocation program.
Not every job opportunity is a good fit for me. Some are not in the best interest of Raven, as it requires me to give up all rights and control. Some fraudsters like to think they can trick me into helping them further their crimes so their criminal activity can flourish.
Is this accurate? “People are being paid to slander a business, person or group. This is another way that the cartels and mafia can drive people out. Fees for $10K, $20k, $30K for an assassin, aggravated assault, rape, drugs and kidnapping.”
When an aggravated assault leaves you at the mercy of your perpetrator, the best thing you can do to survive is temporarily comply.
When you lose someone of value, you appreciate who is left. You no longer take them for granted or treat them as an option. However, if you don’t learn this important lesson, soon, everyone will leave your life, and now you will be the option
A HCP may use his income (a substantial amount) to base a student loan amount on, versus, your lack of income or the income you expect to make after you finish schooling. A loan for $25k, can easily become $50k with interest, especially if payment was defaulted or deferred. It is an undesirable place to be. Speak with a lawyer to see how you can acquire a grant or scholarship instead.
In banking, when you have an account for wire transfers, only place money in there in the exact amount needed to place the transaction. If someone in another country, let’s say, France tries to withdraw $10,000 from your bank account, bank officials and the fraud department need to question - did she give it willingly or was she pressured? A phone consult with the fraud department may reveal details and evidence. As part of an internal control, there needs to be a secret code on the account in order to do business on the account. The request must be done from the USA not overseas.
Penning a letter of understanding means that two people or parties agree to terms. One of those terms could be not using coercive control or threats to gain compliance.
An example, is one of the parties receives a pittance for work done previously but not paid for. It is a substantial amount. The other party has plans for the money. He/she may try and guilt you into giving them the money and if you won’t, he/she may try to steal it.
Each time I see something on the horizon that could be a pitfall for businesses, industries and people, I would warn through tweets or articles on LinkedIn. I planned for myself, and led others to plan for themselves. I can’t make people believe or see, it is up to them to take responsibility.
Giving a fresh perspective on an archived file, a cold case, a present murder case, a disappearance, kidnapping or locating missing persons – on the run or in a car - may offer the missing link to solving your case. With my unique skill of reading energy signatures, this alternative perspective can solve crimes that have been on your desk for years and decades, sitting in archived, dusty old store rooms.
“Don’t start with me,” is a commonly heard phrase from someone who does not want to feel guilty or ashamed for a behavior they have or haven't done.
In situations where it is necessary for me to control my behavioral reaction, (as anything else can give me away) it can create a potentially dangerous situation. If I show a normal reaction such as surprise, shock, hurt and even sadness, the consequences could be severe and put my life in danger. You cannot think clearly in a crisis if you allow your emotions to control you. Plus, it is important to remain stoic, as you do not want to let on how much you do know.
When retraining to control your emotions, you are also controlling micro expressions so that “it appears” you are not affected. This is difficult, as it is an abnormal reaction in which a normal reaction would occur instead. There are times when I had to play along and go along all the while, knowing that I was in dangerous situations, where people didn’t care if I died or was seriously injured. Luckily I was able to escape those situations, as I was surrounded by violent criminals and the cartel.
I think it’s humorous when a band of criminals try to scam a person through coercive control. Fraudsters realize the victim won’t comply.
They are two heads too short of a realistic game plan.
Lifelong friends who are the first to turn on you, are probably listening to gossip. It is an example of how anyone can turn on you for any reason and no reason. They pretend to be there for you, until the winds of change start to blow.
RICO: “criminal scheme or operation with reoccurring profit, in which a service is to be put into effect, solves a nonexistent problem or solves a problem that would not exist without the racket." RICO: #2. Criminals use this to make money, to make a living. It’s their livelihood when they can’t get a real full-time job. That’s why they are wealthier than most.
Within a couple degrees of separation I hear a fraudster say, “How does she know all this stuff? What does she know about me? Has she seen the frauds I have committed - does she see me NOW?” Look here – I’m living inside his mind – RENT free!
Fraudsters who are obsessed with greed fail to plan ahead. The only opportunities they see are those that can satisfy their instant gratification desire.
The more times that a person is thrown under the bus to authorities – that should signal a SOS, a red flag, a predatory signal. Somebody has information on somebody that they do not want others to believe. This is what is known as the smear campaign. Everything law enforcement hears needs to be questioned; the only problem is now, are you questioning the right people or the people that fell for the HCP effect?
A fraudster had an epiphany – to keep pointing fingers at other people to take the attention and blame off of them. This is how a fraudster distracts law enforcement, so that they are investigating and following the wrong person. Laughing – pretty funny what you think about it.
A person to be used as an object is called Machiavellianism. They see you an object to gratify themselves. They may see you as a financial opportunity, as someone that they can sabotage, ruining your reputation with connections from an online social media website or app. They may make things unpleasant for you through public humiliation, even embarrassment to upend your plans, harass you in public, cause you trouble.
Rarely do dysfunctional families give up the fight to take one or more persons down who don’t meet the “criteria” for what they regard as normal. There will be dysfunctional forms of games in neglectful patterns of abuse and communication – ignoring texts, calls and not responding for days. There is the influence of a HCP here.
Trying to get your arrested, commit a felonious act, intentionally causing trauma and abandoning you when you needed help the most, kicking you when you are down, contributing to not feeding you well, causing malnourishment – are some of the ways you family can still abuse you as a young or senior adult. Be aware that it is best to create boundaries or write letters of understanding. This will address the issues, not avoid them.
If two cons are playing a game, one is a seductress, and the other that manipulates others out of their money, they are meant for each other. Both will manipulate each other, devise schemes to get one over on each other. The cycle repeats. Eventually, they’re both arrested or the other quits because they are tired of the con game.
When a person’s new set of friends are from the HCP effect you recognize that you were easily led and manipulated by people who don’t have your best interest in mind. They may try to get you arrested, detained, jailed and cause you to get a felony. When you hang around criminals, you learn their ways. They are devising schemes, getting into trouble without cause or concern for their OWN well-being. They don’t care about or respect themselves, and carry the same attitude towards you. You have to have a strong sense of self, self-confidence and know that you are worth more than being treated this way.
A siblings behavior can warrant criminal investigation because of challenging behavior and during estrangement.
If the family does not support the new marriage it can contribute to the progression towards divorce. Eventually it will drive you apart. There may be 1 or more or many HCP’s in this family that feel threatened by you, causing the disruption in your marriage. Just be mindful while you are dating, what to look for.
The dysfunction in a family can tear a married couple apart, especially when actions cause deception, division and discouragement, increasing and widening the chasm. In-laws not accepting a new partner into a family can be for many different reasons, but mainly, they don’t like you, and feel there is a personality clash. The new person feels like an outlier, unwelcome and the partner does nothing to make the situation better for the new spouse.
Instant gratification desires are done for personal and selfish gain. This is a one-person unit. The individuals who think this way are one-sided and you cannot have be that way to have a family. Young people getting into relationships feel that the other should compliment them by only taking an interest in their hobbies, job and life, when it is a two-way street and reciprocity is required for a sturdy foundation to build a relationship from.
Behavior that is ramping up means that this person is being flooded with terrible, negative emotions and feelings that has been stuffed for years. He needs counseling and therapies to help him rid himself and process all these negative feelings he has towards others. Reflection on his behavior to see what’s wrong, change it, learn new ways, change and apply are what is needed. Many course corrections to get back on track.
These are points that can lead a person with challenging behavior to be arrested: not acting normally, physical gestures that are *threatening, waving a gun, verbal abuse, slander, name-calling, *controlling behaviors, behavior that warrants a medical/psych evaluation to eliminate drug addiction, not being able to get along with people, online caustic threats.
A permanent distortion of reality requires this person be on disability - in some cases – for the rest of their life. For others, they need to be in prison. They have to follow the treatment protocol and not deviate even once. It is protective for them, society and their family. It’s when the behavior can no longer be controlled by the person or the family, that they need to consider other options.
When a part of the brain has changed from an amygdala attack (psychotic break) that means that something has permanently checked out and no amount of reasoning can make them understand. They are in a permanent mode of misunderstanding due to their distorted mind.
Do you know the true nature of your spouse? We hear of people peacefully separating, while others have horror stories of that lead to violence. Some people’s controlling nature and possessiveness comes out because they don’t want their partner moving forward without them. They do everything in their power to make it miserable at home, leaving the partner no other choice but to leave because of how abusive the environment is. Add in financial abuse, no support system, and an affair, and people really start to get cranky. Who would want to stay in this situation? A person with a distorted perception THINKS that their spouse will want to stay – when that isn’t the case at all. The controller needs help, and they may be beyond repair.
It is a conflict of interest because of nepotism to work for a relative. It is challenging your integrity. They are seeing if money would influence you to perform a task, give them legal advice, or go into business with them. It would not be in your best interest or your company’s and bad blood would transact if you sued them for breach of contract if there was any disparity.
A person who knows right from wrong, knows they are going down the wrong path. Anytime this person could’ve made a better decision, but didn’t. The intentionality, shows maliciousness, ill intent. They act alone, there is no collusion, no conspirators. In this case – no one is influencing this person. He is not the HCP nor the HCP effect. This person cannot problem solve, resolve conflict, avoids conflict and disclosure using avoidance as much as possible.
Depending on my initial report to authorities, it can take up to 2 weeks to write, ensuring that all graphs, charts, and findings are accurate and in an easy to read format.
The HCP effect is an attempt to ensure there is no livelihood, no job or support left for the victim. The destruction from this may result in poverty, illness, homelessness. This is what the HCP effect has done
A person who reviews businesses works in part with rabble rousers and other fraudsters who are feeding the population misinformation.
Now, there are many people involved in attempting to break down the business owner, get the business off the net, and cause so much damage and reputational harm that it is now impossible for the person to not only get a job, but cannot open a business here.
When dark web activity and payment is used to remove a business from Google, there are some questions that need to be asked. Why are you writing derogatory comments about this person and their business? Why are you trying to put them out of business? Why are you trying to ruin them personally and professionally? Did someone pay you to write these remarks? Write a bad review? Slander them to a group? Did someone pay you to get their business removed from Google? Why are you trying to make trouble for them?
Part of the HCP effect problem is no one questioned what they were hearing, and took it as gospel. In reality they were furthering a crime – defamation, for starters. An entire staff was on board to treat this person and many that went before - like a criminal.
Individuals who continue to work, volunteer or be a part of this church are complicit in the illicit activity occurring there.
When people BLINDLY believe the deception and LIES that a person was crazy – WITHOUT evidence, this is how reputations and businesses get ruined and go bankrupt.
It is ill-advised for individuals to slander for any reason, and they could face harassment and defamatory charges.
Earl Nightingale indicated that we only use 10% of our brains; a vast waste of our resources available to us. When I heard this, I placed a goal for myself to use my brain to a functionality of 75%. I’ve recently discovered that with higher levels of deep meditation, this substantially explands to higher levels of awareness; now I’m in the in the low to mid-90s. Despite what experts say, yes you can retrain your brain. Yes, you can retrain your thinking, behavior and thought processes and increase expansion so that higher perspectives can be achieved.
My progressive technology has many advanced capabilities that do not require the use of technological devices. I have made extreme advancements in surveillance and obtaining information. Rarely do I used the internet to obtain information about a fraudster. My skills are advanced military strategies, interventions and methodologies that are combined with my abilities and talents. Special operative training is custom fitted to these abilities and skillsets that multiply the stream of information tenfold.
Fraudsters and criminals alike feel it is easier to destroy a whistleblower than hold themselves accountable; being held accountable feels like death.
In an underbelly of fraud we can expect to see illegal kickbacks and racketeering that can range from $10,000-30,000 for a murder for hire, rape, assault, drug, kidnapping or slander campaign against a person, group or organization. The underbelly decides who is allowed to have commerce here, who has a business and what type. The underbelly could be a group or political organization.
A person who is engaging in illicit activity will begin to show more erratic behavior and can easily be identified by law enforcement as a fraudster or deceptive person.
The first sign that fraud could occur is hearing, “we want what we can’t have,” in other words she likes instant gratification. If a person is telling you this, they are telling you about their motives.
It has recently come to my attention that individuals in military garb have attempted to gain full access to my whereabouts regarding my secured location. However, this intentional act has been met with the guillotine effect. Your access has been cut off permanently, and the only way that it can be reinstated is if I give you permission. Subterfuge is illegal. Cut it out.
Before a fraudster disappears, abandons his family or commits a crime they will shirk their responsibilities onto an innocent person, as part of the setup, to make it appear as if the innocent was part of the problem.
It is a red flag if one person is targeted, harassed, is treated like a criminal by the community at large; a HCP is behind it, while those carrying out the threats are the HCP effect.
Victory of 7 incomplete cyberattacks attempting to gain access to my supplies, inventory, bank accounts and social media accounts to “delete or deactivate.”
A relationship that is struggling, goes from bad to worse. The husband’s intentions are revealed when he takes the side of a perpetrator. However, the husband took the side of the perpetrator too many times, and with his actions are saying, “I support the rapist, over my wife.” This fence sitter impaled himself on the fence of indecision. The scary part is that he is revealing that he too is a predator
A police officer will eventually catch onto a fraudsters dishonesty as he cannot account for his whereabouts. This is the tornado for the fraudster. A rookie police officer may discover fraudster is devising a scheme against his wife, and makes jokes about how all his schemes were thwarted against her. The rookie reports this to his supervisor who takes action right away.
Pillars in the community are honest in business or their personal life. Pillars demonstrate honesty, integrity, character and keep riffraff out of their life. They associate with people of high moral standing and everyone knows them not just by their popularity, but how they respond with kindness and self-control.
If pillars in the community are dishonest and are on the verge of bankruptcy, isn’t uncommon to find them mistreating, abusing their spouse in public, and making threats to the community at large. It’s at the juxtaposition of awry that a detective may inquire how much the wife was insured for. $2 Million would raise eyebrows, however it would save the house from foreclosure, prevent the spouse from paying alimony, and he would receive everything in her Will. What is revealed? How little her life meant to him. She was an expenditure, her life reduced to money to pay a bill. The intent to commit a malicious act to solve a problem is not rationalization, it is insanity.
For a fraud to occur, there has to be compliance from a willing victim. If the victim sees right through the “snake oil opportunity,” no fraud has been committed. It is a no-win situation, if the victim doesn’t take the bait, it the fraudster doesn’t have to face consequences. If the victim does take it there are consequences for the victim. Fraudsters can go their entire lives attempting to defraud people and in some cases, not get punished because no fraud occurred if there wasn’t a victim. By having knowledge, the victim outsmarts the HCP every time.
Slander is vicious and can cause a heart attack or suicidal ideation.
Watch for employees around the age of 70+ who first play devil’s advocate, manipulator and with a series of aggressive steps, unnecessarily punish the new employee until they leave making them out to be the toxic one. Repeat and rinse with any new younger hired employees. This toxic person persuades the boss to believe his deception and manipulates others to support his point of view creating a hostile workplace.
There is a difference between being friendly and being friends. Some befriend you out of ill intent and malicious harm. Watch for the toxic traits. A person who starts out friendly, extroverted and outgoing, may turn on you in a couple week’s time, cause division in relationships on purpose to start a relationship with one and extort the other.
Unhealthy relationships are too friendly, acting chummy, agreeing with everything that is said, rushing a relationship, gaining trust easily. As soon as they can gain your trust, they try to do or get away with X. Suddenly they are turning people against you, stating you are the problem. Know anyone like this?
A criminal alliance that is protecting their jurisdiction may prevent certain businesses from engaging in interstate commerce.
A HCP who holds a position can be behind a series of missteps that provide a playground for fraud that is occurring and for additional frauds to occur. This is due to loopholes that are purposely not being addressed or closed. On the off chance it is unintentional, the number of frauds that occurred will be scrutinized and will determine how long it has been occurring.
A malignant mental illness found in an elderly mother can be so influential, that it becomes pathological. A son/daughter can have an inferiority or insecurity complex because of the harm caused. In the male, it can purposely emasculate him – as he is now easily led, easily manipulated - as a pawn in her schemes. This is no different than using coercive control to extort or bribe to ensure a scheme will not be stymied.
When attempting to get to the bottom of a problem, it isn’t uncommon for a CFE to find themselves in a dangerous situation, by accident, in which there is a discovery of an underbelly of fraud. However, this is where you find the who that is behind the orchestration, who compromised, who paid money – all to ensure a fraud continued to occur. This is where my investigation ends, as I cannot perform investigations on frauds occurring in NC.
When a business permanently closes, auditors may inform the owner that they can no longer be trusted to do business honestly and correctly as a self-employed person. It is a turning point when they realize that they have restrictions placed on them for a period of time in which their only employment option is to become an employee at a company and possibly change careers or industries.
If a fraudster attempts to escape by going underground, my progressive technology far surpasses current technology and is able to zero in on the fraudster’s attempts to escape. It’s best that you just take your subpoena nicely.
In order to find and eliminate the mole you need to understand why you are a threat to them. What is it that they are afraid you will find? Who is creating obstacles? Is it the same person or are they influencing others to cause stipulations? What is their motive for engaging in criminal activity – are they in financial straits or close to foreclosure?
A person who is involved with a criminal organization that engages in racketeering and other illicit activity may not be able to recover financially and can lose their degree or licenses due to charges pressed.
A lie detector test may indicate involvement in a missing persons case. Things to look for: no reaction to the discovery. Look to see if new relationships are kindled. Look for an insurance policy in an exorbitant amount found in the name of the missing person. Officers need to search not just the residence of the missing person, but also journals, social media accounts (comments made on pictures, etc.), diaries, notebooks and calendars to find hobbies/interests as places to start looking.
If a person is unconcerned or indifferent to, a missing relative and does not show care for their safety and refers to themselves as a victim, defers blame and responsibility to the missing person (“…he/she is always going off and not telling anyone, they are an independent person, they don’t need my permission.…) investigate who they are hanging out with, who do they talk to, and whom do they visit for regular “meetings.”
@cvspharmacy locations around the United States need to be aware that crimes of embezzlement occur more frequently before, during and after the holidays. It is recommended now, to obtain a third-party auditor to start checking the books. Especially checking the cash registers at closing time for incremental amounts. Over time this can add up to $$$, multiplied by the number of stores you have in a state or a region.
If you do not have frameworks in place in case of an emergency, such as a savings account, an annuity or cash back insurance policy, what is your backup plan? Do you have a supplemental income source that generates enough cash flow to get you through a difficult time?
When the FBI criminal investigation is performed on a couple’s finances, it is typically done separately to observe habits, routines, spending and whereabouts. If the couple is living together, and a wife is counting pennies, and the husband is spending money with a wad of cash – this is a major problem. However, it’s a major red flag if they are separated, she’s still counting pennies, and he is living a luxurious lifestyle complete with expensive entertainment, food and beverage, traveling and sports/hobbies investments. Where is his source of income coming from?
Q: What is a fraudster? A: Persons engaged in fraudulent, illicit or criminal activity in which their crimes have not yet been realized, they haven't been caught or are flying under the radar. Sometimes they are convicted criminals. Some are trouble-makers and instigators. Nonetheless, fraudsters attach themselves to individuals who are lawful and innocent persons. By influence, they can sway the lawful person to help them commit an illicit crime because they have knowledge they want. Ex. They know the security protocols about a particular store, recreational area or mall.
Compensatory damages compensate a plaintiff from harm, injury or other losses caused by the tortious conduct of another party. This is also known as actual damages.
The number of fraud occurrences tells us more about how fraud was perpetrated than profiling a person based on traits and behaviors. Although it can help with identifying safe people in personal and intimate relationships, it is not something I use in a financial fraud investigation.
The tactical defense training I’ve been practicing is an alternative to carrying a firearm or weapon when the laws and state statute dictate otherwise. The training is designed to stun the attacker for several seconds, then take away their weapon safely. It is not for show or sportsmanship.
A group of people or alliance may come together to take down one person with the offer of a “job opportunity” or “cash reward” for information they know about a homicide or crime that has occurred.
It has recently come to my attention that individuals in military garb have attempted to gain full access to my whereabouts regarding my secured location. However, this intentional act has been met with the guillotine effect. Your access has been cut off permanently, and the only way that it can be reinstated is if I give you permission. Subterfuge is illegal. Stand down.
I am an empath and sensitive to energy around me. I've had this ability all my life. It helps me to pick up on others feelings, thoughts and emotions. Even though your energy is neutral, I can also pick up on your intentions, which you cannot conceal. The corresponding physical energy transmutation (how your energy converts) is how my body warns me so that I am able to escape dangerous situations with ease.
I understand that authorities may want to interrogate me on how I obtain my information. However, I’m sorry to inform you that the majority of my answers will be the following: you are asking me to reveal intellectual property that makes Raven Financial Group successful, and I am not required by law to do that.
If you detain me without probable cause or predication there may be a false arrest charge amongst other sanctions and violations, in your future.
I’d like to thank the community for helping me in developing my instincts, intuition, and perception. This helps me advance my skills and practice my training. I still need practice with surveilling on foot thru a store, and appreciate your patience as I learn. I know that some of you may not trust me because you don’t know me, however, part of RFGs business model and strategy is using the element of surprise to catch a fraudster.
New Garden Crossing. The same vehicles with young adolescence were deterred by my vehicle as they recognized I was in the vicinity. I overheard they were looking for my long brown hair. However, they were fearful I would catch them even if they couldn’t see me. Theft was deterred as I saw them leave the area.
Holidays are a busy season for fraudsters as they are looking for any opportunity to mug someone going to their car, rob someone of their purchases, or break into cars in a parking lot. Make sure you keep all your purchases and valuables in your trunk and be aware of what’s going on around you, not looking at your phone or distracted in any way.
Restaurant owners need to be made aware that during the holiday season there are many online predators meeting with young women at upper end restaurants. It is unusual to find a 60 year old man with an under age young lady out on a date.
It is not uncommon to find that upper end restaurants will attract married couples who are having affairs. It is important to inform your staff that sometimes men in their mid 50s may date, unknown to their fiancé or wife. Be alert to anyone who is being harassed, threatened or forced to leave with another person.
Restaurant managers of upper end establishments should have a protocol to follow when a member of their staff sees that a pill or powder is dropped into the drink of a female customer. Detain the couple until police arrive. It is important that the drink is taken away before a sip is taken, but also preserve the contents of the glass so it is not emptied. Detain the wait staff so they can provide a witness statement for police.
It is a MAJOR contributory factor to the HCP Effect when your go-to-default-behavior is to paint the innocent person guilty FIRST by not staying objective.
Federal agencies who jointly work with a CFE can investigate fraud that IS occurring or HAS occurred.
A thorough criminal investigation of a church organization can reveal asset misappropriation, cooking the books, mobbing and a massive coverup that has been going on for years.
A dishonest police officer who doesn’t take fraud alerts seriously, but instead says, “take it with a grain of salt,” could be indicating that illicit activity is going on in their department. His deceit can negatively influence others to be a part of the HCP Effect.
It takes time to uncover illicit activity going on just below the surface, and my own criminal investigation of a Department can open a can of worms that reveal a fire - that the federal departments would like to know about.
Kernersville Dealership was notified of a scam (September) in which their employees needed to be made of aware of. Making light of a fraud alert by indicating that this should be taken, "with a grain of salt," can be liability if a person becomes a victim of the fraud I was attempting to prevent and deter.
To be in regulatory compliance with the state, it would be in the best interest of a Department to do their own internal investigation to find the local miscreant.
Raven is a resourceful hunter of information; there are eyes and ears worldwide, not just in the community of Greensboro, that are helping me to stay abreast of best practices, schemes and scams.
A troublemaker's behavior needs to be scrutinized. What wisecracks have been said and how is he persuading the people he supervises (HCP Effect) to demean and not take seriously knowledge of scams?
We need to seriously consider how this person's behavior is a reflection of not just his character and integrity, but also the company in which he is employed?
Although it may be a common practice to make friends with your enemies right before you get them arrested, steal their business or trade secrets, press charges or obtain information for an investigation, this is a disingenuous manner of doing business and falls under dishonest business practices. The underhandedness of obtaining information can put the investigator in a cloud of conflict of interest and subjectivity. This isn’t sustainable. A good investigator doesn’t need to resort to this.
It’s a red flag when high end stores are closing their doors in high end shopping centers. Although their reason may be overall declining profits, the overall profits of the entire shopping mall need to be analyzed to determine profit/loss, as well as the individual stores profit/loss. If the owner of an upper end mall has filed for bankruptcy, that is also a sign that the area is experiencing loss.
With the holidays coming up, many fraudsters are concerned that their plans may be thwarted. Their hope is to “have a nice Christmas/holiday.” Many worry that I have realized their frauds and it would detrimentally affect their lifestyle, buying gifts for the kids and family, having extravagant parties and food because of the drastic reduction in your material possessions and lifestyle.
There are many illegals that are afraid of deportation back to Mexico, not just a reduction in lifestyle. Oh, are you surprised? Yeah, if I can help it, I’m not sending you back to jail here, I’m deporting you back to the Mexican prison.
Individuals psychiatrically diagnosed with Anti-Social Personality Disorder are on the rise; it’s what sends many of them back and what the majority of prisons are filled with.
To figure out motive and intentionality of a fraudster, a round table discussion may offer epiphanies and insights. Is it self-sabotage and why? What is the reason to sabotage themselves, family, kids, lifestyle, business, their partner, friends and colleagues? Consider #1 the pre-emptive strike. Accuse another of the same fraud you are concealing.
Consider #2 when deranged thinking is present, perception is distorted. A HCP can perpetuate the problem if they’ve been abused long enough through manipulation. Consider #3; If #1, then authorities are distracted away from the fraudsters activities.
I have been asked repeatedly where do I obtain my information from? There are people who work for me all around the world who keep me apprised of worldly events, scams and threats, criminal activity that is escalating in different parts of the world – different countries. Scams that are being tested elsewhere to work the kinks out. Some of them come from Japan, southeast Asia – Thailand area. Others come from the United States.
Not many people in the world know me. I began life as an introvert, with the majority of my life having been surrounded by HCPs, receiving little to no support, especially when the winds of a storm begin to blow. I can recall less than a handful of times when people have celebrated me, not just tolerated me. The people closest to me have fallen victim and prey to the deception of the HCP effect. If I had support, I wouldn’t know what it feels like, looks like or sounds like. But, it doesn’t stop me from being independent, asserting myself or standing alone. Today, I have consultants who do have my best interests in mind, who guide me professionally.
This is the plan that goes awry of a fraudster who did not consider the numerous holes. A scheme can be so poorly conceived, that it alerts officials to the red flags and predatory behaviors of the group or individual. Silly fraudsters. They’re behavior is leading authorities straight to them; their fraud is about to be revealed.
My profession is very dangerous. It is important for me to have a framework in place that protects myself and assets in the event of an emergency requiring me to find refuge or a place of safety. My consultants guide me on where to go and how to seek safety. I don’t know what it’s like to feel protected; perhaps, it’s similar to … neutralized protons … are the same as neutralized energy, they cancel each other out. As a result, I feel nothing at all.
CVS Pharmacy locations around the United States need to be aware that crimes of embezzlement occur more frequently before, during and after the holidays. It is recommended now, to obtain a third-party auditor to start checking the books. Especially checking the cash registers at closing time for incremental amounts. Over time this can add up to $$$, multiplied by the number of stores you have in a state or a region.
Malware is a program or file that can harm a computer. It is a malicious (spyware, ransomware) type of software in which there are numerous methods of spreading (drive-by, phishing, downloads) and the multiple functions in which it can attack victims computers once in place (altering computer programs, stealing personal data, monitoring computer activity w/o users consent).
An HCP boss who feels threatened by an employee may write a 2-3 line review that downplays an employee’s strengths, talents and abilities. The review may even allude to a lack of ability, and diminished accomplishments. Bosses who struggle with insecurity and self-esteem may harshly criticize work performance – which in many cases – is a lack of appropriate, guided training for a specific task or role. In male dominated fields, it is not uncommon or unheard of that women receive less or no specialized training and only given “easy jobs,” such as interviewing, interrogating, serving subpoenas or performing research.
An HCP Trainer who feels threatened by a coworker may impede their growth and development by regularly giving them menial assignments, while the team is given technical training for a specific project. The Trainers may purposely cause a disruption or delays in the processing of their paperwork, due to a purposeful misspelling that delays the application process, causing gaps in employment. HCP’s may misguide and lead their employees into dangerous situations in which they are at risk for an accident or injury so they cannot work.
HCP’s who do not have an exit protocol for dismissing or terminating employees may stop giving the employee work and assignments until the employees quits so they do not have to pay unemployment wages. When this occurs, the HCP decides they don’t like the employee, but instead of letting them go, they stop giving them work. This is also a dishonest business practice.
People in authority need to have a criminal background check performed 1-2 times per year to check for new or pending charges.
HCP’s in leadership or positions of authority who have been reprimanded or suspended need to be reassessed and possibly reassigned to determine if the political organization in which he/she is involved, a position of leadership in which is held and mentor position with young men and women is still advised given the reasons for the reprimand.
Conflicts of interest can occur when the line of ethicality is blurred and the employee is requested to keep information secret from the rest of the crew. HCP’s can engage in toxic leadership when no one is looking, and will play the victim if shown their wrongdoing. A male HCP who rides the fence of indecision, doesn’t have the best interests in mind of the people he/she supervises, puts them in harms way, blames them when his plans fail, intentionally sets up others to fail or prevents them from gaining traction to be promoted is not a good person for anyone.
HCP’s who are suspended for stalking and harassment cannot be provided access to young men and women, including much younger, impressionable minds.
HCP’s who have been caught engaging in illicit activity in a leadership position cannot be around the general public due to their manipulative and instigative behavior, leading people into danger, tricking them into engaging in deceptive behavior for his/her selfish gain or political promotion. This same person can no longer be in a leadership capacity in a church, religious institution or preside as pastor.
HCP’s leaders who have not learned their life lesson and continue to engage in human trafficking need to be removed from their position immediately. There is no atonement for this but incarceration. The purpose of this is to keep him/her away and safe from individuals that he/she would purposely lead into trafficking. Having a decades long history of this behavior would indicate that he/she has been flying under the radar for some time.
Why is the HCP important to a fraud investigation? What role does the HCP effect play in the scheme? Once you identify the HCP, you see all the people involved in the HCP effect. It’s like a massive domino setup. All the activities of the HCP effect (the people who were led to believe the deception), point back to the HCP. It’s what you don’t see. What follows might be - the discovery of elaborate plans, a massive coverup, an underbelly - a river of illicit and criminal behavior.
Ya’ll better get your sunblock on, it’s going to get awfully bright shining this light and casting a shadow over the wrongdoers. Fraudsters learn their lesson in the worst way, at the worst time and during a crisis, a disaster – the juxtaposition of awry – when their schemes don’t go as planned. I thank these fraudsters for challenging me to be a better fraud investigator, a fraud prevention specialist and consumer advocate.
The Fox News app has a section in which you can comment on articles and receive feedback from other commenters. The Nextdoor app regulates its users by their address and phone number so they can be located easily. When you move, you change the area in which you receive alerts. In order for online threats to be identified, a court order will be needed to gain access to the contact information of the user. Now, accountability can be established.
An HCP may purposely abuse their power by attempting to engage the employees in dishonest and fraudulent business practices by asking them to: further a crime, commit a crime, lying about the job they are about to engage in (that is immoral and indecent), purposely signing off when an employee tries to resolve an issue, and leading them to their demise by putting them directly in the line of fire. Putting employees in a position to be the fall guy, or be framed for an illegal act. Require them to discount company fees and services, or give them for free for a friend. Tricking a new hire or recent college graduate to engage in underhanded business practices for the purpose of obtaining trade secret information.
What do businesses who engage in fraudulent practices do to score the next contract or the next business connection? Maybe, they undercut the competition by stealing clients so that business goes bankrupt. Do they have more assets, allowing them to severely undercut the competition? How are they able to stay in business and remain profitable?
A couple guidelines for small business owners looking to reduce their product line:
Identify which products that are marked for deletion are not for employees to take without permission or payment. Inform your customers that if a product or item is not to be served or given to the public, that they cannot take it for themselves, unless permission is granted beforehand. Identify what is off limits for an employee to have access to – items in a particular area, items to be disposed of, items that are unsafe/unsanitary that have a special protocol for disposal.
As we lead young entrepreneurs and guide them in the facets of self-employment it is important that they are led by knowledgeable people who will not “misguide” them. Here are a few things you need to know as budding entrepreneurs: do not evade paying taxes with a form that extends the length of time you have to file. The longer this is done, the higher your tax bill. By doing this, it runs up a huge debt with the IRS. Do not bribe your employees to influence people to slander and gossip a person or business. It is suggested that new small businesses hire a third-party auditor to check their books to ensure if human error is being made, that it is not intentional. Misappropriating company profits to avoid paying taxes is a no-no.
An HCP who fears that he/she might have his frauds realized may blame an employee for embezzlement or other crimes. A financial fraud investigation will determine who the fraudster(s) is.
False Misrepresentation: A residential general contracting company hires criminals to do his contracting work, none of them are certified and work without supervision. After a project is “complete” the residential owners find multiple problems in poor quality workmanship, low quality products, incorrectly installed utilities, multiple failures to comply with building codes, and other workmanship defects that are cause for concern. This is also dishonest business practices.
There are several types of abuse of power. In the workplace it can look like harassment and discrimination, and bullying by leadership through coercive methods. Individuals in powerful positions misuse their superior authority, with higher ranking officials who harass their junior members through scare tactics.
Recently, I’ve had the opportunity to witness firsthand how state-run nursing home facilities operate. Out of 5 facilities, I can only say that one of them has met criteria that would make it possible for me to leave a four or even a five-star review. Falls and slips can be mistakes, yet when higher risks of neglect are apparent, with numerous reports of, or increasing occurrences of red flags, this can indicate nursing home negligence and abuse of power.
I’ve observed unlawful business practices in accounting departments in which nursing home residents with faulty cognitive or memory issues are asked to pay for services. This needs to be handled by their power of attorney or other legal authority assigned to make those decisions. When there are unsanitary conditions for the residents, it reeks of urine and the smell of diapers. A well-run facility will show signs of constant daily cleaning, disinfecting, sweeping, washing, etc. throughout the home, not just the foyer or a hallway. Poorly maintained facilities that have cracks, leaks, uneven flooring can be a cause for an increase in falls, injuries and slips, bumps and bruises.
Nursing home residents who have illnesses that require monitoring to prevent dehydration, or cleaning up, may sit in defecation for hours. While they call the nurses station their repeated requests go ignored. Larceny or stealing property of the resident’s, gifts, cash, jewelry, personal property and mementos need to be locked away in the room or taken out. This was a facility in Pittsburgh, PA.
While most residents are treated with dignity, care and compassion, others do not fair the same way, and their treatment is dependent on the net worth in their bank account, their celebrity status and possible gifts received from the resident. Conflicts of interest can include inappropriately accepting gifts, but this would be outlined in the human resources manual for employees. This is a state-run facility in Connecticut.
This is an example of negligence in a nursing home: During bath or shower time, an employee is required to hold a resident steady in the shower while they are washed and rinsed. However, negligence can be observed when the employee leaves the room and the resident slips and falls, hitting their head which can cause massive internal bleeding, eventually leading to illness, coma or death. The employee returns to the shower to find the patient on the floor with blood from a large split on their head.
How common is nursing home abuse? 1 in 3 older adults have been victims, while 2 out of 3 employers admit to abusing or neglecting residents. It is not uncommon that a resident is abused by a family member while in the facility – ranging from abusive language to rough handling. It is disturbing that 97% of nursing home abuse cases are not reported to law enforcement. During Covid, elder abuse increased. (Source: Nursing Home Abuse Center)
Neglect is defined as poorly cared for, while negligence is breach to protocol that cause undue suffering. Leaving a resident with poor mobility issues in their room for hours without checking in, not changing their clothes or bedding regularly, to include not cleansing a resident, not treating a resident’s infections, can cause complications that worsen over time leading to sepsis (extreme). (chills)
In an incidence of medical fraud, a doctor was paid (by the family) to wrongly diagnose a patient’s behavior with schizophrenia, have them committed to a mental institution to “get rid of them,” and now requiring a conservatorship as the patient’s guardian. An HCP would be behind this incident.
Report nursing home abuse to your local police and to your state’s Adult Protective Services Department. There are nursing home abuse lawyers who can get you and your loved one help with paying for expenses. Obviously, immediate situations require a call to 911.
This narrow path guides the way by a golden glow to the traveler. The bushes, trees, weeds and even the underbrush serve as distractions, diversionary and divisionary tactics that could influence a professional to act or be a different way that might cause compromising to values, ethics and morals. This is why it is important to stay on the path of objectivity. This is in accordance with my life’s purpose and duty of care to you.
Whistleblowers who are subjected to harassing, threatening and bullying for reporting illegal or unethical behavior have rights and are protected under laws. Threats of ruining their livelihood, defamation of both personal and business reputation will be attempted to hush or stop the reporting can put a company in liability.
There’s a natural occurrence anomaly. It is called the Earthfire. It is a storm that once started it is difficult to control. At times it cannot be stopped. It is manmade. It is created by a slew of enemies, fraudsters and criminals. It’s the bully on steroids. It is filled with hatred, separatism, inequity and vengeance. This storm (or riot) doesn’t last long – less than a couple of months. Alas, I have the antidote. Water is its only enemy to the Earthfire. Wind eggs it on.
Becoming Evil: Deadly Duo is a series on Tubi that describes how a criminal works in tandem with a lawful person to commit a murder or a crime. The first episode tells you much: 1. Serial killers are not necessarily loners. 2. Families will gang up for serial murder against another family member. 3. Couples - buddies who have been friends for years, team up and their behavior eventually leads to criminal acts. Result? The complexity of the personalities creates an insatiable need for control and dominance over their victims.
A game that deadly duo’s play that is the tipping point for a scheme they are devising or a crime they are planning on committing. It involves playing mind games with their victim(s). Dysfunctional communication, bizarre behavior, out of character behavior, hiding/concealing behaviors, and an inability to resolve conflict or creating a problem so that leaving is the only solution (versus staying to solve). Avoidant and dismissive insecure attachment styles and behaviors come to the forefront. Someone (#1) was bringing out the worst in another person (#2) who fell victim to the HCP effect.
The game playing of the deadly duo is being done on purpose with the intent to cause malicious harm possibly because they feel threatened that their frauds are realized. Two people team together, one of them likely a malignant narcissistic psychopath whom devised a scheme to take down a victim. However, what it may look like on the surface is just dysfunctional communication and neglectful behaviors.
When you put the behaviors of the deadly duo into perspective, you see what their scheme is. One is attempting to drive the victim to suicide while the other is ruining reputation. They succeed when they break the victim through any of the following: a nervous breakdown, meltdown or psychotic episode. This is the worst case of psychological abuse. Now take this one scenario of a deadly duo and multiply it by additional groups, associations, gangs or organizations. This can be one of many reasons for a person’s suicide, the reason they disappear, go missing or a homicide.
The following is an attempt to engage a lawful man in illicit activity: “if you avoid talking to said person they will think something is up. If you avoid being around them, they will think something is up. You have to keep your routine the same, communication must not change and it must not be dysfunctional.” This is how a criminal teaches a person how to get away with illicit activity so that the spouse or family does not pick up on it. In spite of this criminal’s teaching, the would-be fraudster who starts engaging in illicit activity becomes hypervigilant, paranoia creeps in, and they do the opposite of what they are told not to do. Likely, their family member will be able to earmark the day that their behavior started to become erratic, out of character and spiraled down from there.
Dismantling a Narcissistic or other type of HCP requires using their games against them, by being nonreactive. In their attempts to destroy you or cause harm to your credibility as a CFE, remember that their lack of a conscience is not going to stop them, but your conscience will. The deadly duo is trying to take you down; they think their games will destroy you, but by turning the tables, it will stop their scheme in a snap. You will be the only one left standing.
Deadly duo couples can be multiple married couples in a dysfunctional system, such as colleagues working at the same company, volunteering at a church, or two individuals that happen to meet on a job and hit it off; even a homeless couple hiding from police in a parking lot. With the right mixture of personality, motive, intent and desire to commit a crime, a complex personality is formed.
In 2021, I began practicing the skill of reading adverse energy (or threats to myself) and was only able to read up to 2 miles away. Now, in 2024, I have been advancing my skill set to read up to 1,000 miles away. This also means I can stay focused for hours to catch illicit activity occurring.
As I advance my skills of reading people, I have begun to attempt to read small groups or associations – the challenge will be to read a group of 9, all at the same time, make threat assessments and decisions to act accordingly for security and protection, while escaping a dangerous situation unharmed.
Concealing a drug habit or a drug habit that is forming can look like a spouse not wanting to resolve a conflict and looking for a reason to leave to either snort or take a pill. It may be an unusual level of willingness to leave the house to run an errand, to be alone to continue a habit. A person who had a hearty appetite is now reduced to snacking or skipping meals – going on for months now. Even though you may not suspect a family member has an addiction, they will try to hide it somewhere at home or at work where they don’t think it will be found. Taping pill packets underneath the carriage of a car has been done in broad daylight. Using water bottles to hide clear alcohol and taking a gulp on a break only to return the bottle to the vehicle can indicate a possible alcohol problem.
An HCP will attempt to bankrupt a victim’s finances, business, personal life, and standing in the community. They have a real genuine fear that their frauds are realized and even exposed. Their pre-emptive strike is to make trouble for a CFE. This is why our work is so dangerous and why protocols need to be put in place, assets need to be protected and contingency plans can be implemented at a moments notice. It isn’t unheard of that HCP’s will hire gangs and criminals to stalk and harass victims and even attempt to prevent them from business commerce. Extortion, racketeering, and illegal kickbacks are the tools of choice for takedown.
There is a very big difference in knowing something and proving something.
To catch a fraudster, I have to put myself in a precarious situation, temporarily. It’s waiting for the right moment and the right time. Sometimes, your fraudster is apprehended right in front of the police station. It’s nice when it works out that way, it makes my job easier. A fraudster will give themselves away in the first 5 minutes – with deceptive behavior, dishonesty, lying.
It is a misconception on the husband’s part, that if he leaves the scene of a crime that is in progress because he is scared, and his wife successfully handles the incident, that she can do it all the time and doesn’t need her husband to protect her. It can make the man feel less of a man because the level of his confidence and self-esteem is so low that he feels ashamed, embarrassed and insecure.
If a group of people who do not trust another individual to do the right thing, at the right time; in all probability are fraudsters themselves.
If a fraudster can influence and persuade people, lead them to believe deception and lies, the next step that is not too far away is leading them to engage in illicit activity, and/or commit or further a crime.
Even in a small town, such as Jamestown, NY a gang related initiation can take place just outside a shop owners store, on the sidewalk, in broad daylight. It’s important for a victim to follow protocol. Be nice, at first. Keep your guard up at all times. Make eye contact with the group, maintain your distance, shield yourself if necessary and wear an extra pair of Huggies that day. A group of 7 isn’t any different than a group of 9.
If you find yourself being stalked by a gang member(s), it’s important to remember a few things. You have access to exit points at all times. Though you may feel like you are a sitting duck in an open meadow, recognize that being the subject of a hate crime, requires you to alter your appearance, lifestyle and habits. Notify police of anything suspicious such as your being followed or unusual people hanging around your home at odd hours. This a warning that something bigger is about to happen - not necessarily to you, but in the community. Reallocate your resources, regroup and move forward out of harms way to providing safety and protection for yourself.
At the point of realization, such as a sitting duck in a wide open space – we’ll use the example of being the subject of a hate crime – do your best to dodge bullets. Don’t go out during the day, disguise yourself at night, run errands in another town for a couple of months and wear different clothes. Install a security system around the perimeter of your home, with motion detectors. Go into hiding if necessary.
Two unrelated incidents that happen to a victim may not appear related, but are. An example is a customer’s credit cards are on lockdown. Somehow, a fraudster was able to trick employees into admitting information about a client’s account or received information from the dark web to gain access to the customer’s account. Either way, the result is not longer a slap on the wrist for the credit card company. Now it becomes a legal matter as it left the victim at the juxtaposition of awry, stranded without a way out of a potentially dangerous situation. Riding on the coattails of this situation being resolved, it is followed by a gang related initiation.
Q: What are the consequences of losing gun ownership?
A: Many. Although I cannot discuss the details of a case, I can share with you a decision that was made by a judge due to the CB of another who did not think through the consequences of racking a firearm, “to just scare” a person. The intended joke now restricts the man from not being able to teach or train others on firearm safety because of his irresponsibility with controlling a firearm. Now it is illegal for him to own a gun, and use it protect himself and his family. His joke cost him his license and he is now a felon.
According to folklore, the raven is a keeper of secrets and teaches you that every lesson life throws at you is helping you to be a better person for tomorrow. The combination of wit and intelligence creates an ability to survive and adapt in the harshest of environments, chaotic situations, and emotional crisis.
Q: Who trains a bully?
A: Society, a dysfunctional family, the mean kids at school, alcoholism/drugs, their environment? The answer is everywhere, however, the answer that holds a bully accountable is, themselves. A bully who is untrained is a dangerous weapon. If he cannot legally have a gun in his possession, he may learn martial arts. He becomes skilled in learning how to fight, and hopefully his temper does not lead to an aggravated assault charge.
A bully who cannot learn how to curb their anger, will eventually have a violent reaction that can cause a deadly consequence, and like a crescendo in a piece of music, his life can have a drastic and cut-short ending. Learning to control his reaction, his rage and threatening body posture are little things he can do right now so people won’t feel threatened by him. Getting help from a counseling or talking to inmates who are in jail or prison can help them decide how to turn their life around.
A man who cannot pay alimony and child support needs to have his financial situation reassessed to determine if there is an impropriety on his part. Deduction of wages can only occur with government entities, not private parties unless it is served with a subpoena.
If the bills of a business are not being paid, paid late or there are missed bills altogether, yet there is a source of income, an audit of the books may reveal an unintentional loss, miscalculation or misappropriation of funds.
If a person neglects the care, maintenance and cleaning of the interior of their home, it may be possible that a mental or medical issue is behind the underlying reason for the unkempt home. (Hoarding, alcoholism, a vice grip on something/someone that can't be let go of.)
A lawful man must decide between what is right and what will save is life. It’s a tough place to be in.
It is not uncommon to find a local liberal arts college offering a position to small business. It is a serious impropriety for the college to devise a job that attempts to obtain the small business’s intellectual property under the rational, “we’re just trying to help out.” This point of realization comes when the offer is declined politely, as it is not in the best interest of the small business.
It is important to recognize that not all grant applications are the same. For small businesses obtaining funding, verify whom the grant application is with. Fraudsters take advantage of small businesses that are in debt by helping you fill out this application to obtain access to your intellectual property. It is not customary for a small business to obtain grant funding to lessen the burden of financial debt. They can do this for a number of reasons – to shut you down permanently, steal your ideas, create false allegations, etc. Decline the offer politely and move on.
For updates on consumer fraud, prevention and detection tips, articles, please go to ravenfg.com, then to Blog.
Congress must protect consumer fraud whistleblowers, stated Stephen M. Kohn, a bill that was introduced in March 2023.
Criminals expose themselves by blaming others for the consequences of their own actions. It's humorous if you think about it. It is self-sabotage. Who breaks their own pot?
A sociopath steals monetary funds from an inheritance and uses them to buy a PhD. What repercussions are waiting just around the corner? Likely, a removal of a license, discreditation and a host of sanctions and revocation, plus fines and fees. The worst – they are forbidden from working in an educational institution again. Again, it all depends on the scenario and the frauds committed, the damage done.
A fraudster’s plan to trick, play games, be dishonest or lie - this energy of deception is what gives him/her away. The energy of deception feels different, and it can change in a moments time. The difference between both can be indigestion and bloating or a sense of calm and feeling grounded. Fraudsters give off the energy of deception from a few yards away, to a few miles to a few hundred miles away.
Dismantling a high conflict personality means taking the mask off, piece by piece, layer by layer, until you arrive at their authentic self, their core.
Abuse of Power in regards to an ethics code violation, occurs in the illegal operation of an unlicensed counselor acting in a counselor capacity. When there is a breach of confidentiality it can result in harassment, defamation and slander. It ruins the reputation and causes ill-will in the community. This toxic person increases the community's misunderstanding and misconstruing information that was once held in confidence. If done at a church, as a trauma or recovery group, the church can be held liable for the unlicensed counselor’s unethical breach of conduct.
Drug concealment can occur if a fraudster takes advantage of the older vehicles, 10-15 years old (such as Lincoln, Honda and Hyundai) that typically have creaks, groans and rattling. A drug user, dealer or mule can transport drugs in the crevices of the dashboard, the steering column and in between the door panel and frame. Prying these areas away can break bolts and screws or unseal glued areas. The right tools and knowledge allow a fraudster to hide packets and pills here. If the package breaks during insertion or removal, the rattling will blend right in with the older car’s rattling. Having knowledge of the well-built makes should give rise to the confusion and deception as to why these areas are loose, and why the doors are separating from the panel.
Investigators need to question the owner or a dealer of older vehicles to narrow down the point in time when parts and pieces of the vehicle began needing maintenance, servicing, or replacement parts. When does the door panel separate from the frame if ever? In what circumstances – not including car accidents? Can maintenance determine if foul play was involved in the separating of a dashboard from the frame of the car, the steering column or door panel/frame? Or, was it a result of age and the glue drying up or disintegrating?
Investigators who dismiss knowledge of the vehicle by its owner, are making a mistake. A responsible owner would know when the car began displaying aging signs, creaks – that cannot be prevented, groans that are part of the aging process, and also new sounds. Drugs are not to blame in all instances, however, by the time you are finished with your investigation, there should be no stone unturned. All avenues and theories need to be addressed.
When investigating indigent cases or to take a closer look at a criminal cases, PI’s are hired to assist. It’s a learning experience for rookies on accident scene investigations. Unfortunately, to examine evidence it requires permission that if received, could take weeks to months to see the evidence locker or the vehicle. What would I be examining? The clothes the victim was wearing, and aromas or sweet or foul-smelling odors. I would visit the vehicle at the impound lot and again inspect for aroma, a sweet-smelling or foul odor of the vehicle. Also, what was not captured in photos, was what was under the seats. Anything could have rolled under, such as a cigarette or drug paraphernalia.
Part of the role of a CFE is being knowledgeable about knowing where to find assets that fraudsters are knowingly concealing. For this example, I will use a widower’s past relationship. He was a maintenance technician and made about 50-60k per year. While the wife was cleaning one day she found $30k cash hidden in a vent. In another instance, she was in the attic and found a large paper envelop with $50k. Each time, she put the cash back in its place. She asked her husband if he had any additional money in case of a major emergency – an accident, a hospital stay, family emergency. He said no. Later on, an additional $100k was found stashed in different parts of the house. Who was he hiding the money from? An ex-wife who needed child support, alimony? Was it part of a money laundering scheme? Evading taxes?
Not all co-conspirators are fraudsters. Some are reporting fraud, bizarre behavior, reporting online threats or tax evasion. It is the culmination of the information that brings the investigation together. By pulling their reports, sharing what they witnessed, pooling and gathering evidence this brings the pieces of the puzzle together to form a picture. It shows multiple occurrences of fraud.
Threatening a whistleblower with extortion and/or blackmail, reputational and/or bodily harm is obviously illegal especially if they report multiple instances of fraudulent business practices to authorities. Whistleblowers are protected, have rights and attorneys that protect them from sharing their concealed knowledge of fraud.
A drug habit can be formed when a business owners profits are tanking because their dishonesty and lies are catching up to them. The denial of wrongdoing, the projection of their behavior onto others reaches an unsurmountable level of delusion. In their mind, others have done them wrong, they are making poor choices, others are the toxic ones – they just cannot SEE their responsibility for their downfall. A nervous breakdown, or worse, a psychotic break can occur in a matter of minutes. It is important to follow protocol – maintain your distance, less talking, less eye contact - to know how to handle this tremendously challenging situation so as not to make it worse or escalate the behavior.
Persons who have had psychotic breaks may be institutionalized for 6 months to a year, pending doctor evaluation. It is the time to get them the mental health services and medication they have needed for some time. A psychiatrist evaluation will offer light in the fog of confusion. When behaviors are concealed from family, and the mask they are wearing is ripped off unexpectedly, it can be a harrowing experience. These situations can worsen when someone is in a moderate declining cognitive state. If there are significant fears of abandonment, possessiveness, jealousy and rage will come to the forefront as multiple mental illnesses surface. The sooner you can call 9-1-1, the better. Police may arrive in the nick of time.
When a person finally decides to take their mask off, it comes out of the blue. Realize that the mask has been protecting you and everyone else who has experienced it. It is something that has been lying dormant for years. It can be a drug habit, a mental illness, an explosion of rage and devaluing commentary, a violent episode that results in reckless driving and a police chase.
Threatening an employee can also fall under abuse of power in the following ways: an employer sabotaging employee’s effort to find another job, blackballing them in their industry, throwing them under the bus, blacklisting them to authorities so they aren’t taken seriously, attempting to implicate them in an offense they didn’t commit, attempting to get your license revoked with a false mental illness allegation.
Exploitation: Unfair and unbalanced case assignment, negligence in training causing fatality, harm, injury and illness, reduced workload without reason or cause, implementing low budgets causing an employee to go into debt to the job without reimbursement, paying wages below minimum wage or not paying overtime, not providing safety equipment or scheduling regular maintenance of items.
The worst place for an empath to be, is at the point of realization that they are surrounded by criminals and fraudsters who do not have their best interest in mind, who have been dishonest and lying. Heading south, just 10 miles can get you out of the epicenter and somewhere safer. The energy level is neutralized here, without threats and harassment.
Discrimination in the workspace: “In poorly controlled industries, such as male dominated fields, a male in a leadership role who does not maintain objectivity may find themselves in a gender discrimination lawsuit, wrongful termination or defamation lawsuit.
At the point of realization, a fraudster may realize I have discovered their frauds. This would be near impossible. To further complicate the situation, I have been invited for social interaction. For CFE’s know that this is a trap because it clouds the investigation. They want to know what you know, trying to escape accountability and possibly put you in a position of wrongdoing to deny and blame. This is not a good position, and possibly a dangerous scenario for a CFE to be in. It is best to decline these invitations, stay focused on the investigation to stay objective. Stay safe and do not go.
What is the result of toxic leadership? Allowing belligerent employees to intimidate, bully and threaten coworkers so they miss work, assignments and deadlines. Decreased productivity, and increased sick or personal days. A boss that is not objective, sides with the perpetrators or troublemakers cannot make sound decisions when it comes to disciplinary actions, and may dismiss and minimize altercations that occur in the company.
A HCP who “gives a stern talking to” a coworker does not compensate for abusive behavior that leads to a simple assault in the workplace. Ignoring, dismissing and denying the assault is a company liability problem. It isn’t uncommon for an unhealed person to side with the perpetrator, while the victim goes to great lengths to press charges, get restraining orders, all the while, not being believed, harassed and having their workload reduced as a means of punishment for seeking help.
The progressive technology I’ve been using is light years ahead of the competition who are using antiquated underhanded, manipulative and fraudulent business practices. In the short term, it isn’t sustainable and their frauds are recognized by authorities immediately, their business’s reputation burned to the ground, a fate brought on by themselves.
When a fraudster commits a crime, most of them hide, just in case there were witnesses. The other handful will return to the scene of the crime to “see if they caught the guy/girl yet or what investigators know.” Another few will draw attention to themselves by their actions.
It is not wise for a CFE to accept employment in which there are dirty personnel working. Frauds may already be realized by the employees working there. This would be a conflict of interest for me and the best I could do is to write an initial report on my findings followed by a letter to appropriate authorities.
An aspect of the work that a CFE does, is not to be bullied, intimidated or harassed, no matter what gear or uniform they are wearing. When you find multiple sources of concentrated criminal activity, it is important not to let your guard down. Stay objective and focused. If you cannot get the support you need locally, you’ll need to bring in reinforcements.
Fly-by-night legal services are lawyers who charge a fee, and instead of addressing your problem, defer it to a marketing agency. Making light of the problem is the problem. If someone is trying to actively remove your business listing, misrepresent the services that you provide, and continue to harass you to try and shut you down permanently and remove your name and your company from the Internet, you may have a case. Consult with a civil lawyer in your area.
Grocery store employees compromise the safety of their shoppers when they divulge information about their shopping habits to strangers who may be criminals, stalkers, or harassers. This puts the company at risk for liability especially if something happens to those shoppers.
During one of RFG’s expansion phases, additional support and resources will be needed. The training is about a month long and clients and support staff will be notified when this will occur. This training is customized to me, and will be held out of town.
Q: When a spouse suddenly turns on the other, what do you think is happening here?
A: The typical violence cycle has a series of patterns, behaviors, verbal abuse and attacks to provoke a reaction. Over time there are increasing bouts of anger and indirect threatening behavior. Conflict resolution is the first to go out the window, and a decline in communication is next (silent treatment, neglect, ignoring). It only takes ONE violent episode that can cause a life changing event. The result: a devastating effect of not wanting to be alone and being desperate enough to perform an act to regain control.
Fortitude, determination and strength. These three traits are what is needed in order for you to heal. Going into battle you never know what side is going to win. The end may be unimaginable.
When I was 7, I knew I wanted to be a forensic psychologist. At 13, I was able to identify individuals with “infections in their brain,” and already knew they were born with it, they couldn’t change it and they’d have to live their whole life adjusting their lifestyle to stay out of trouble. These infections I learned, much later, were different types of severe mental illnesses, that led people to act in a negative manner, that caused negative attention from their dysfunctional behavior. If role models and mentors were not available or did not set that person on the proper path, their challenging behavior would eventually lead them to delinquency, criminal activity and detention centers. With all the available services today, there is a chance to turn your life around.
If credit card companies do not have an anti-fraud policy in their company operations manual, it needs to be added ASAP. Also, an anti-fraud awareness training for their employees. Training is not a one-time thing, it is tailored to your business and industry, with messages of fraud prevention and detection that are posted so that it is top of mind for all.
This is a lesson for all. It’s not the credit card company’s fault, but they do need internal controls that safeguard their customers.
An area to consider about the reporting of a fraud allegation. When a criminal makes a pre-emptive strike to report a false allegation that turns up nothing, investigators need to turn their investigation to the initial person who made the report. Look for the same type of fraud in their background. An IRS or FBI investigation will prove the fraudster is concealing the same fraud. For example, if a dishonest and fraudulent business owner accused another of the same, and nothing turned up, an IRS audit might show dishonest practices, possibly tax evasion, by excessive exemptions.
If a fraudster was able to circumvent a company’s internal controls of a credit card company, we need to look at how the fraud occurred. What was the point of ingress (entrance) or was the fraud occurring as the result of a problem being resolved and a case closing, a mistake that was made, or information that was misconstrued?
A criminal who makes a false allegation on a consumer at a credit card company resulting in their account being restricted can cause a financial straits situation.
The harsh reality is, is that some people live paycheck to paycheck. Others may have a limited income. Some to few may be on disability. Whether it is a long- or short-term situation, credit card restriction for 2 weeks or longer can put people in a real predicament.
Government departments and agencies need to get on board with placing safeguards (such as simultaneously conducting an IP trace and criminal background check) with these credit card companies so that their employees recognize the red flags of a criminal attempting to make trouble on a consumers account.
If we as customers do not feel safe in obtaining new bank accounts, then how are we going to safely protect our money? Safeguards need to be put in place to prevent criminals who are causing trouble for consumers. If a fraudster’s allegations are believed this can force a consumer into bankruptcy, foreclosure, financial destitution, and a reduction in lifestyle.
What solutions does your company have in place now to prevent disastrous consequences from occurring? If a data breach for a customer compromises their information, how are you going to verify your customer to ensure you are not giving the fraudster access to the customer’s information?
A data breach, exposes our information that is financially sensitive and if not protected can become a worldwide catastrophe.
Credit card companies, investment firms and financial institution need to have internal controls or safeguards in place right now that protect their companies from liability.
A fraudster can create a situation in which a consumer is forced into bankruptcy, foreclosure and lifestyle reductions. Criminals who can lead others with false information and deception, can also lead them to fight for a cause, to further a crime (unknowingly – until it is too late) and betray others into thinking that what they are doing is not breaking the law or that they won’t get caught. If a fraudster can get others to believe their deception, they have just now gained the upper hand and are in control. Unfortunately, authorities, leaders and board members are most at risk.
Once a criminal has your information, he/she/group, can use that to control and have power over you, and the financial decisions you make. A financial opportunist is looking to scam customers out of their savings, investment money, property, assets, etc. Fraudsters can use threats and harassment, and blackmail to force consumers into helping them. This is a detrimental situation especially when elders and seniors are involved, or those not savvy in investing.
Businesses - especially financial, insurance and investment firms need to be working on various methods that detect and deter fraud. This isn’t just IT and system protection, nor is it a security system that protects the building. Businesses can be at risk of company liability if they do not have the proper safeguards in place that prevent fraud from occurring.
Consumers need to be protected by a company’s safeguards, otherwise it puts the consumer at risk for further abuse, exploitation, scams, bribery and extortion.
With the numbers of illegals crossing the border, criminals and gangs are increasing their activity. With that, we need to think – safety and protection for ourselves - especially our financial information. What backup plans we have in place?
Q: What are standards do you set for yourself to stay ahead of the competition?
A: Besides building my business for the last 5 years, with the opening to occur later this fall, I’ve also been in training to detect, prevent and deter crimes from occurring. Continuing education of 40 CEUs per year, takes about 2-3 months to complete. Staying abreast of best practices is a full time job and so is alerting the public to local scams and scams that target specific types of businesses or industries.
Q: What skills have you been in training to do this line of work?
A: I have a skill set that has been in development for the past five years. It is unique to me and requires intense mental training coupled with additional skills sets that allow me to zero in on the fraudster. No one in the world has this combined ability. I ONLY use it in the prevention, detection and investigation of criminals engaged in fraudulent behavior or to find missing persons.
Q: Where are your employees located?
A: Special investigators from around the globe will be employed to offer their services at my direction as they keep me apprised of schemes, scams and viruses happening the moment they occur, allowing me to alert the public in a timely fashion. All members of my team operate within the confines of the laws of the United States statutes and regulatory systems.
Search warrants can be obtained to find out who the person is behind online threats to include the handle on the social media app or major news network app. From there, the person’s identity is revealed and contact information is found so that a subpoena or warrant for arrest can be served.
Individuals posting online threats that are slandering individuals or businesses are cause for concern. Even though you are just “stating the facts,” it is your opinion that is misconstrued due to your negative tone and attitude. It is wise to remove your derogatory statements from your commentary. It is attracting negative attention from Palestinian groups, the mafia, cartel and residents in the community of Greensboro.
Understandably, you might be a criminal with a long history, and maybe you are a wanna-be member of the cartel. Just remember, that they have their own list of subjects. This online harassment will be subjected to FBI determination as to the threat level you are creating, and that is occurring.
When a devised scheme of the opposition does not go as planned, and right at the moment of "juxtaposition of awry," a difficult situation occurs. It is unfortunate that at the expense of friends and the support of family, I had to make difficult, and unpopular decisions.
There is a criminal, approximately 30-32 years of age, male, white, with a long history of putting businesses out of business due to their many slanderous and defamatory comments made online. For other businesses, this has hurt their profit and loss statement, their balance sheet and eventually they did go out of business because of this criminal’s online statements.
Experienced rabble rousers know how to circumvent IP protocols so that their IP address cannot be traced back to the source. However, there is hope. Their egregious behavior will soon get them caught even if they’re online threats do not.
One way that our Nation’s Capital can protect our President from external threats is to monitor online threats that are coming from social media and major news outlets. Political commentary that mixes with racial themes or religious organizations fuel the fire for strong negative emotions. This can spread like fire and disengage groups, create disparity amongst social organizations and integrate themes of violence in businesses, churches, fundraisers and political interest groups.
Last summer (2023), I dropped off my brochure to multiple law firms in the downtown Greensboro area to offer my CFE services. There is a very large law firm with numerous lawyers that I kept picking up on that would have benefited from my anti-fraud services. However, it would now be a conflict of interest, as I have recently discovered that multiple frauds are occurring their daily. There isn’t much that can be done from a detection or preventative point of view. Intentional fraud is when the same type of fraud is occurring multiple times in an hour. This shows intentionality, and that the wrong choices were made each time, the wrong path chosen each time.
It is nice to know that wherever I travel, whether for work or pleasure, that I will have the support of law and legal professionals to report fraud on a real-time basis. My initial report that is called into authorities may spur other regulations violations and inspections by local authorities and crimestoppers.
Why has a NYSE company continued to operate despite recommendations to shut it down, due to multiple lawsuits that have been filed for fraudulent activity? Do they have multiple revenue sources - maybe illegal kickbacks? Maybe that's why patients are still being billed for services years later.
The following is an example of why anyone, an individual or business needs to have the foresight to plan ahead for emergencies, unforeseen events and situations that our out of our control. A situation involving financial straits shows a business dissolving due to bankruptcy, with foreclosure right around the corner. All backup household sources for funds have been depleted to pay for the business. This financial landslide has left the homeowners bankrupt.
When engaging in business partnerships, it is important to not just discuss how each other’s experience would benefit the coming together, but it is also important to speak with other people that they have done business with. If the person is not well-known, but their contract is airtight, it is still a good idea to do a background check. That way you are informed upfront in case of any impropriety that may occur down the line.
An ambivalence towards a failing business is also a red flag, as it could indicate that the business is engaging in illicit activity right now or soon to be. However, there are other scenarios that could be the cause. A business owner may feel helpless at the point of realization that they are on the verge of business dissolution. With the right thinking, self-sabotage does not have to become a self-fulfilling prophecy. Being embarrassed is only temporary. There are other skill sets that you can turn to to get you through a plateau. Offer your experience as an Advisor. Feeling bereft? Ultimately you decide that if you are in financial straits, it may be best to work for a major corporation until you can get out of debt and back on your feet.
It is a screaming red flag when a business owner has increasing loss of profit, loss of clients, when there are no identifiable sources of income, and household and business bills have a history of missed, late or no payments. Leisure and volunteer activities that were once enjoyed need to be postponed temporarily as all efforts need to be concentrated on saving the business even if it results in a negative outcome.
There are some proposals for contract work that may not be in RFG’s best interest. For many reasons, I will not take on dangerous or perilous assignments, as it is not a part of my “violence prevention program.”
Before you can allow me to analyze and review your business for a fraud risk assessment, a contract must be reviewed, along with the signage of appropriate consent and confidentiality forms. From the time of initial contact to the date of the risk assessment is about 1 week. The process from start to finish is at or about 2 weeks to include the final presentation.
Before fraud can occur, a point of ingress and egress must exist.
It has come to my attention that there is a criminal alliance made up of organized crime, that are thinking of the possibility of coming against the opening of RFG. I get it. You don’t want me to mess with your lifestyle and livelihood. As I said before, I have no intention of pursuing doing business with these groups. As a result, this would eliminate my initial investigative report and any subsequent investigations from government agencies. Lastly, I’m not a registered business in NC.
What do you think of when you hear the term psychopathy? Do images of violent serial killers who made their mark in history and the mind control methods of Charles Manson come to mind? One of the last places we expect to find psychopathy is in a dysfunctional family unit. So you see, not all families are close-knit and loving. For this, there is a purpose to, and reason behind family estrangement.
When the pressures of life come upon us, relationships don't last as long as we'd like, a friend passes away, someone you know is thrown in a tailspin when their house forecloses, while another experiences a personal crisis. What do these things teach us? Life lessons. 1. How not to treat someone as an option, as they can be kidnapped at any time.2. Not taking someone for granted, as they can disappear and go missing, not to be found again.3. Finally, not taking advantage of someone's kindness, trustworthiness and honesty as life can throw you a curveball at any time, upsetting your lifestyle and income.
Do you find yourself in the position of making a moral and ethical decision to save a client's account? Is the choice you are about to make in the best interest of your boss, your corporation or yourself? Companies, what are you doing to safeguard your employees from engaging in conflicts of interest? It needs to be spelled out to your employees, interests that are detrimental to the company.
3 signs that a person’s behavior is spiraling down into illicit behavior:
1. A significant reduction in the level of communication – stonewalling, silent treatment, neglect, ignoring, dismissing. There is a decreased capacity of compassion, empathy and learning from one’s mistakes.
2. Conflict resolution skills – is now running away, driving off, leaving the room, engaging in disappearing acts, sometimes for hours.
3. Concealing behaviors - hiding, burying, keeping secrets, being dishonest, and even attempting to flee a crime in progress.
Managers and supervisors: How are your C-Level executives handling misappropriation of funds that were discovered in the lower levels of your corporation, such as entry-level individuals, and even those hired in the last 2-3 years? Everyone needs to be on board with anti-fraud awareness training, what to do when it is found, and whom to report it to in the organization. Most especially, what NOT to do.
It is not unheard of or even uncommon to discover that your boss is a fraudster and has been engaging in dishonest and fraudulent business practices - right now. Do you see evidence of cooking the books? Perhaps illegally obtaining information and purposely falsifying it to prevent a disability claim from going through? To prevent an employee from being hired or damaging the credibility of an authority figure, unnecessarily?
It is also not uncommon to have an employee report their boss for dishonest business practices to the IRS for a criminal investigation.
My business is in the business of fraud prevention. Sometimes, however, I find myself in the middle of a financial investigation only to find out that there are multiple frauds occurring simultaneously. Depending on the significance of my findings, I may turn my report directly over to a government department for further inspection.
Reallocation of your assets, such as moving money from your account to a relative's, a friend, a business partner, a business or trust leaves a money trail. This trail shows that a fraud is in the process of or that attempts are being made to conceal. Sometimes the reason fraudsters do this is to claim financial straits and bankruptcy, to avoid paying a debt or restitution, even alimony. However, this only reveals financial impropriety and is ill-advised.
Individuals seeking asylum in other areas during a criminal investigation are advised to not travel at this time.
Members of associations and organization need to be aware at all times that their position can be terminated immediately. without notice and subject to probable cause or predication depending on what state laws apply.
An interruption of business services occurs when: there has been a data breach, a major HIPAA violation, the discovery of multiple occurrences of fraud, a hostage situation, a declining deleterious situation, a catastrophic event such as a natural disaster, a massive layoff or a prolonged strike.
On the Tubi app, there is a show called Siberia. Even though it had 11 episodes it had a few life lessons. Eventually through crisis, everyone’s true colors or (tiger) stripes are exposed. Despite the betrayal, lies, ill-intention and manipulative nature they all came together to work for a common goal. Those whose stripes were exposed early changed their ways, while others became more devious. Each person in the group exploited each other’s weaknesses to the peril and harm of others all for the purpose of – greed. By the end of the series, the viewer is left wondering if this was staged, fake or a cruel joke.
Remember, safeguards are not people. They are not places, they are a series of system controls. They are not just checks and balances, but a process series - a step-by-step system that has been tested to ensure that tampering will be caught and apprehended, before the "juxtaposition of awry."
Even billionaires of the world need to have safeguards in place that protect themselves, their spouse, children and assets. There isn't one person or business out there that is currently protected from ongoing financial destitution as a result of an extended economic downturn, depression or disease.
What emergency funds have you set up in the case of your sudden death or disability? Do you have long and short term disability policies? Does your work have workers compensation in case you get hurt? Consider that planning ahead financially for unplanned situations will take you further in your financial planning NOW, than trying to allocate resources during the moment of crisis. Also consider, that you while young people can easily find a job and go back to work, that it isn't so easy for the elderly or senior population to go back to work due to a variety of circumstances. What contingency plan do you have in place for this? An insurance policy(s)?
What frameworks are in place to take care of your kids or spouse financially, if you find yourself needing to serve time or become disabled? What if you need to reduce your lifestyle and drastically cut expenses and downsize to an apartment? Having the foresight to plan ahead will help you in the long run to ensure your family is taken care of. It's all a part of getting your ducks in a row.
What areas of your life are you considering increasing your wealth? Have you set up the framework for insurance policies? Have you set up emergency and savings funds for yourself, your wife, for unplanned expenses and for your kids?
What frameworks are in place to take care of your kids or spouse financially, if you find yourself needing to serve time or become disabled? What if you need to reduce your lifestyle and drastically cut expenses and downsize to an apartment? Having the foresight to plan ahead will help you in the long run to ensure your family is taken care of. It's all a part of getting your ducks in a row.
What areas of your life are you considering increasing your wealth? Have you set up the framework for insurance policies? Have you set up emergency and savings funds for yourself, your wife, for unplanned expenses and for your kids?
In an economic downturn in which a specified area is in the climax of financial destitution, what are you doing as an individual, as a board member, as a business owner or even an employee - to pare down your expenses to prepare for this situation?
What are you doing right now to save for the future or are you living paycheck to paycheck? Are you spending the little bit of profit you make or are you saving it?
If there was a sudden economic downturn near or after the holidays, do you think you can prevent this from happening? Do you think, Wall Street that you can make wise choices? I'm not doubting that you do. Small businesses, are you relying too much on Wall Street to provide the resources that you can obtain locally?
Don't take my word for it investors, investment professionals, financial consultants, billionaires and millionaires. It is wise to check your sources before you believe anything I say.
Major Corporations: What safeguards do you have in place to protect your employees from internal theft? You need more than just an open door policy. Reliance that concentrates focus only on manual operations is not recommended. There needs to be a checks and balance system that is not just reliant on humans nor just on technology. What is your backup plan? Consider the cost that you company will incur if there is a major grid outage, even for 24 hours.
The SEC holds investment professionals accountable for their "wrongdoing." What did you find out when you researched your professional? Were there any fines, sanctions by a board, revocation, temporary suspensions? Here's a link to find out: https://sec.gov/litigations/sec-action-look-up
Not everyone has your best interest in mind when it comes to financial opportunities. Criminal alliances are the same as team efforts. They come together to devise a scheme, and then the individuals target specific demographics for these "opportunities."
People who just received a lump sum from a lawsuit, an inheritance, gift, lottery are subject to these types of schemes. But, so are individuals that come from old wealth.
Do you follow the actions of major players in the stock market? Is this a wise choice? Insider trading is a sticky subject, and while we like to think that the other person has our best interest in mind, there is a chance, they do not. Do you have a contingency plan for that? Do your own research and decide for yourself.
How are you going to prevent someone coming in and tampering with your final documents while you are in a coma or while you are sick, bedridden and nearing delirium? What safeguard do you have in place right now, that prevents you from signing documents that reallocates your assets, redistributes your real estate and reassigns people that are making financial decisions while you can't?
What safeguards do you have in place to protect and manage your wealth in the case of an accidental overdose, discovery of a terminal illness or rapid disease progression? Safeguards that are put into place are not just people, and they aren't just checks and balances. No, they are a series of steps that are put into place to prevent tampering.
Q: What is cause for suspicion in a missing persons case?
A: When a relative does not show care, concern or compassion for the missing person, and instead shows indifference, ambivalence, happiness that they are gone or makes comments such as, “He/she’s probably dead,” there is cause for concern. The true colors of a dysfunctional family will rise to the surface. Comments such as, “he/she was the outcast,” is concealing their bitterness and “dislike.” Fake tears are obvious. These are huge predator red flags.
When a shark’s dorsal fin breaks through the surface of the water it instills fear. The worst thing to do is panic by splashing and yelling, it is best to keep calm and movements slow. A shark is least likely to attack a group of swimmers treading in a circle, versus swimming alone
When the amount of restitution owed will outlive the debtors, and requires 30-40 years of restitution, the judge will likely order a reduction in their lifestyle. Reduction to an apartment and driving an older car, cut off from luxury entertainment, food, clothes, and travel, they will no longer be able to host extravagant parties, belong to country clubs or live in resorts. All travel must be preapproved.
What is the cost for believing deception and using it maliciously? A lump sum of restitution owed.
When you are in a marital relationship made of sand it is possible that there are threats of abandonment and financial destitution on the horizon. One way to protect yourself, is to setup a legal document called a postnuptial agreement. This framework, will help you get your ducks in a row ensuring you are protected in case of a fallout. It addresses how to handle financial arrangements and assets should a separation be coming up, thus leading to divorce.
For individuals who do not express remorse or regret for the damage they caused or contributed to, a different type of pain punishment must be applied.
A reduction in lifestyle is one option. It begins with the valuing of their assets, then their liquidation. If restitution cannot be paid, then another option is that your debt is canceled and your immediate incarceration results.
Mobbing: Headed by one or more HCPs in the community to run person(s) out of a city or state. It’s not uncommon to hear that people, even media consultants were paid to harass, rabble rouse, gang stalk or incite threats of violence or kidnapping to get their point across.
The nefarious National Organization for Miscreants indicate that they hire teenagers, 20-somethings and maybe even a few older adults. However, miscreants, can be the elderly and even senior citizens.
Alerting the public to scams teach people to protect themselves and what to look out for. Knowledge that is centered around deviancy, is different that knowledge that is taught to mentor, teach and guide.
Fraud occurs every day. How are you preventing your organization from fraud, so that business is not disrupted by attacks to your network system? Controls that are installed thwart the attempt through alerts.
Q: How did the CB protocols come about?
A: The CB protocols are a result of our ever-changing world, the situations that arose with criminal activity, the loopholes found in our society, in businesses and our government. There are deviants whose goal is impressing their friends with greater and greater levels of violence, the intelligent people who are using their gift for malicious intent to further criminal activity, despite the often-harsh consequences that follow.
Oct. 10, 2024 In regards to a fraud investigation if it is my opinion that a subject matter is a problem, I need to communicate that to you. I will not comply if a clients demands put me at risk of violating the duties of my certification CFE.
Oct. 10, 2024 (Source: Mary Breslin, CIA, CFE) By intentionally looking for fraud, that's how we detect it. We need to know what to look for, and we do that through the fraud risk engagement as traditional audit methodologies do not catch fraud. Many audits are not intended to catch fraud.
Oct. 10, 2024 It is not uncommon for a group of people to turn on one person, to hire miscreants who are paid illegal kickbacks to disconnect all forms of financial access so that the victim is purposely placed in a state of financial straits. This makes it easier for the group to manipulate for the purpose of regaining power and control to comply with their demands of bribery, extortion and blackmail.
Oct. 10, 2024 An ethical lapse does not indicate a lack of integrity. It demonstrates an oversight or blind spot.
Oct. 10, 2024 When a group turn on one person, it is usually because they realize their schemes have gone up in smoke, their contingency plans have failed miserably and now, their deranged thinking escalates into challenging behavior. This is only noticed by the courts “after” an attempt on the victim’s life has occurred. In effect, the dysfunctional group now sees the individuals as the enemy. In their eyes, no one is allowed to move on without the group.
Oct. 10, 2024 When a person’s mind devolves into deranged thinking, distorted perception, distorted reality, criminal insanity, and abnormal reactions, the future progression is indicative of incarceration or institutionalization. In the elderly, this can be cause for concern when their disease progression, such as Alzheimer’s, appears to be rapidly progressing from moderate to severe. There has been a trigger, then a reaction that is causing the rapid progression. Underlying, could be psychopathy. The DNA gene coding has been triggered due to an environmental influence that caused great fear, regret, severe depression that is spiraling or emotional disconnection. Something has caused massive regret or pain. It can be some of these things or a few of these things.
Rapid disease progression coupled with the diagnosis of underlying psychopathy….
Oct. 10, 2024 A person who enjoys instigating problems to complete strangers just to make them mad and cause them pain will eventually get caught. Persons who enjoy this, will do it to the wrong person, at the wrong time and in the wrong tone. A person who feels threatened will press charges. Coaching someone not to engage in this behavior, is indicating that deviancy or delinquency was progressing. When a person derives pleasure - in a sadistic way – in causing others pain, this should be a red flag indicator that challenging behavior is ramping up.
Oct. 10, 2024 This prime example is what law enforcement would expect to see in an interrogation. An appropriate response to a direct question other than a knee-jerk reaction would be to return with a question, such as, why would we have a mob hit out on so-and-so? The knee-jerk reaction is one that is blaming, pointing fingers and denying responsibility. (They have just made themselves culpable.) To return the question with a question would mean they would be in a state of confusion, feeling perplexed, feeling sick or shocked. Even a traumatic reaction, such as crying or another emotional reaction is better than the knee-jerk reaction.
Oct. 10, 2024 A knee-jerk reaction (to distract law enforcement) from the person being interrogated and being held accountable for joining forces with or hiring a racketeering organization is: “they’re crazy, they need to be on medication, they are insane.” In order to be held accountable a person must admit to their frauds, by a written letter and/or oratory statements. Posturing is a defense mechanism used as a distraction to prevent receiving punishment and justice for their crimes that have already been realized.
Oct. 10, 2024 The escalating challenging behavior of a group reminds me that psychopathy takes many forms from deranged thinking to criminal insanity, which means that they don’t think the way we do. They expect normal reactions to their abnormal behavior. When in reality, cognitive distortion and dissonance is creating the bedrock for what appears to them as ‘rational thought’ and is their go-to default for cognitive thinking.
Oct. 10, 2024 Calmness and non-reaction escalates the challenging behavior of a group. The group attempts to discredit, threaten abandonment and financial destitution, and does so by seeking to harm through derogatory comments, insults and criticisms. The group has the expectation that the victim will respond with a knee-jerk, rash behavioral reaction and an oratory tirade. The HCP is already aware they are losing power and control over the victim. The victim is winning. They are calm, non-reaction and impervious to insults, criticisms and derogatory comments. This enrages the narcissist and as a result, their violent reaction leads to their arrest and incarceration.
Oct. 10, 2024 When fraud has been concealed for a very long time, and is realized, a number of questions arise. It looks like blowing the roof off a large group of people who have been flying under the radar for years. It’s ripping the band-aid off to find out that there is a questionable source of income that has been providing for a family. It is turning on the floodlights to illuminate all the areas in which fraud has been occurring.
Oct. 10, 2024 The criminal mind exposes itself during “points of realization” that causes, in effect, massive pain. Massive pain, can occur through rejection, dejection, and a lack of a reaction from the victim.
Oct. 10, 2024 The harsh reality of short-sightedness and a fixed mindset, is a lack of awareness of how their challenging behavior is affecting other people. They do not recognize that their dysfunction in communication and emotional abandonment, is pushing others away who are distancing themselves for a purpose - dissolution of the relationship. Estrangement for a purpose.
Oct. 10, 2024 A cycle of unwanted behavior creates tension, causing an unwanted behavioral reaction, and in extreme cases, violence. The reaction is from a trigger, that did not get the expected reaction. Essentially, the person has violent reaction because the victim didn’t react. A lack of reaction can cause an uproar, increased violence or an overreaction. So, the trigger is being nonreactive – not having an emotional response – returning with arguing, an insult or criticism.
Oct. 10, 2024 When a person reverses course and resorts to previous bad behaviors to a perceived slight or rejection, the result looks like “punishing or getting bac” to the offending person. For example: Each time a person is triggered by a slight, he resorts to toxic masculinity to get revenge. The partner sees the behavior as childish, impish and immature. It is important to be silent and walk away here.
Oct. 10, 2024 In the phrase, “old habits die hard,” a mind that has been triggered to reverse course or regress may no longer know the difference between right and wrong and will knowingly commit crimes without the understanding that what was done was wrong. Is this a cognitive decline or regression?
Oct. 10, 2024 Personification can be used to conceal – a fraud, lies, dishonesty, a cognitive impairment, disloyalty – by attributing the positive qualities of an animal or inanimate object. For example: Childish talk to a cat, “showing everybody what a good boy I am,” after committing a dishonest act, furthering illicit activity, as if trying to convince or fool himself into thinking that he as done no wrong. Personification is commonly found in these areas: illegal gambling, prostitution, buying drugs and emotional affairs.
Oct. 10, 2024 (Source: Mary Breslin, CIA, CFE) Why do audits seem to miss areas where there was fraud? There weren't significant deficiencies or warnings that signaled a fraud could occur or lead to a fraud. Very frequently when fraud occurs, there's collusion involved as they have the ability to circumvent controls due to the level of trust given. Collusion helps to conceal fraud and circumvent control.
Oct. 10, 2024 Any retaliatory action to a criminal investigation is seen as vengeance and is ill advised
Oct. 10, 2024 A business owner’s escalating challenging behavior brings negative attention to them, resulting in a negative outcome, and consequently sabotage of self and their business. Justifying why overcharging – such as needing to pay the rent, bills to pay - are not good reasons. This owner is afraid of going to jail, having charges pressed and that their long-term frauds realized, especially by their employees. It would feel like the end if people found out that she lived a mediocre life, despite the opposite outward appearance. For the majority of business owners in these upper end shops they offer services and their products in line with market rates, competitive with their industry and are not charging exorbitant prices.
Oct. 10, 2021 If you are going to survive a Cat 1 hurricane – another person’s psychotic break, a mental breakdown - it’s because you were alert to the early warning signs, can be on the lookout for red flags and predatory behavior, along with deteriorating mindset resulting in “abnormal reactions.” If you have the wherewithal to call 911 at the start of the hurricane, reduce eye contact and the level of communication. It is imperative to be calm and non-reactive.
Oct. 10, 2024 An HCP spoon-fed lies to an elderly woman with a moderate to severe cognitive degeneration. Her relationships with her adult children deteriorated because of the deception. The HCP is after her money and is hoping to get the individuals cut out of the will; more money for himself. His greed rises to the surface again, when his wife is placed into a nursing home for Alzheimer’s, and devises a scheme to remove his children from the will, however this scheme is realized by a financial planner who immediately contacts authorities indicating the children may be in danger. They take immediate action and he is placed in custody.
Oct. 10, 2024 In what history does a criminal come by and warn someone before they commit a crime? Never. Criminals fly under the radar, they don’t want to be seen or heard, especially when they are devising plans.
Oct. 10, 2024 People like to tell others who they should be, who they are, what they are, what they should be doing. Their comments are a lack of awareness of their own unrealized talents and abilities projected onto others.
Oct. 10, 2024 Guilt is expressed in many different ways: When a person supports you, they act surprised, in shock, even angry. When there is an unemotional response, coupled with looking down and away, and a lack of care and concern for the person who is harming you they are giving themselves away with a neutral response. This is dishonest behavior. A witness may come forward to report an accuser who is engaged in deceptive business practices. The sooner the better as this is egregious and criminal behavior that needs to be reported to his boards and associations. It is more than likely also an indicator that multiple frauds are occurring and that an HCP is behind the trouble-making.
Oct. 10, 2024 Disintegration of ego is a process in which a person backslides into regressive behaviors (from childhood) that were unhealthy and toxic, such as behavioral patterns that resulted in negative outcomes causing disparity in relationships (inability to resolve conflict in a healthy manner). This is the premise for why challenging behavior does not correct itself and the same repeating negative patterns occur when marriages, friendships, partnerships don’t work out.
Oct. 10, 2024 Q: What other courses of action do you take to mitigate CB behavior in your work?
A: Individuals with CB do not see how their behavior affects others, coupled with their deficits in thinking and planning will have limitations set on their behavior - in the form of restricting their freedom (house arrest), their mobility (such as loss of a driver’s license) and their access to the outside world. In other words, your callous behavior may result in unpleasant consequences. We all will learn lessons here, law enforcement included, all the way up to the #Senate. (deleted from twitter)
Oct. 9, 2024 In what appears to be overnight, a loving and attentive spouse snaps, turning violent and kicking the other spouse out. The divorce process starts immediately.
The red flags of predator behavior were always there, but concealed so the spouse didn’t see or hear them. Why did the spouse snap? There was a trigger. The spouse had a reaction and it resulted in a negative outcome. A divorce and supervised visits with his kids. The spouse continues to go off the rails.
Oct. 9, 2024 Q: What is the challenging behavior protocol?
A: It is a system that deals with escalating challenging behavior in which a person is unable to control themselves and needs the intervention of law enforcement and the legal system. The intervention is based on several factors: age, level of deviancy, type of harm done, fraudster behavior and other mitigating factors.
Oct. 8, 2024 HCP example: The manipulator. Having friends disguising themselves as wolves in sheep’s clothing when tough times or opposition hits can leave you empty-handed.
They make you second guess yourself with the mind-bending games and lies used to deceive, masking the “truth” with denial, blame, guilt or sadistic humor. They neglect, ignore, give the silent treatment to push you away, then deny wrongdoing. You know anyone like this?
Oct. 8, 2024 Restitution is needed for the person who is literally run out of town.
If their safety is compromised due to being gang stalked, harassed, and the gossip is literally causing a riot to occur – such as an uptick in criminal activity, then there needs to be some sort of community repayment, with interest, by each person for a period of time. And no, it isn’t a joke.
Oct. 8, 2024 Although my primary business is preventative, there will be the occasional surveillance or contract position requiring a more in-depth coverage that is in the realm of investigations.
Oct. 7, 2024 Punishment for a licensed doctor such as a psychiatrist who illegally obtains information receives immediate punishment by their board and association, and immediately jailed. Prematurely attempting to shut a business down for dishonest business practices is one reason a fraudster would illegally obtain information. The institutions are notified of the data breach, the cyber attack and that they have a loophole that needs to be closed. If not, they will be sanctioned, fined, then shut down, losing their medical license and PhD license. An HCP is offering illegal kickbacks and is pulling the strings from somewhere else; they are very determined.
Oct. 7, 2024 People have a way of handling criticism that is toxic. They return with a criticism, a demeaning comment, sarcasm, a put down joke. Be different. Instead, be silent and walk away.
Oct. 7, 2024 It isn’t uncommon to find individuals affected by the HCP effect to fully believe that they have a “preponderance of evidence” that proves XYZ. It’s when they take it to court, and a perceptive judge sees the pointless accusation or their fact checking turns out to be wrong, because they too, are not in their right minds, plus they are illegally gaining information resulting in a “case dismissed.”
Oct. 7, 2024 The HCP effect can occur in families when the HCP cons and deceives the family into thinking their partner is the toxic one. It is often realized years later that the HCPs lies are found out to be false. The HCP watches others closely – to take advantage of weaknesses in their character – so that they can be used again as a pawn. Counseling about how you were betrayed, why and how to avoid it in the future is the best course of action.
Oct. 7, 2024 An apology is useless without changed behavior.
Oct. 7, 2024 A spouse will abandon the other – at a specific time – hoping to cause maximum pain or leaving them in financial straits, other times it is to test them. Sometimes, it is because the partner has figured them out, they can’t be manipulated, lied to, deceived and their acts of betrayal are about to catch up with them.
Oct. 7, 2024 A community can come in opposition to an innocent person due to the HCP effect. It isn’t uncommon for the innocent person to disappear suddenly and it be mistaken for foul play. It can be an isolating experience in which they are suddenly alone without assistance or support. There is hope. A chance at a new life and starting over somewhere else. Relocating to a safe place where peace and solace is the protection needed.
Oct. 7, 2024 An inmate sitting alone in his prison cell feels the weight of his actions. He regrets his actions only because he was caught, while his ambivalence and making light of his criminal actions indicate a lack of remorse. The sting of remorse is a heavy wet blanket hanging upon his shoulders in which the burden of guilt and shame are his comforts.
Oct. 6, 2024 Provocateur. Mental instability marked by mental derangement. This is a dominant, controlling, possessive person. A distorted perception of reasoning, a lack foresight into the consequences of their actions. Cruel comments are intended to provoke you for a reaction; they will starve the life out of you. Hiding your personal belongings, purposely scaring you, threatening behavior. Predatory behaviors such as harassment, stalking, getting others to follow you are all signs that this person is dangerous.
Oct. 5, 2024 Detection and prevention is part of my job. It is difficult to advance my skills when a city or state comes in opposition to or makes trouble for me. No one is helping, no healing is occurring, and healing is replaced with intent to harm, and in some cases, to cause malicious harm. This creates not only a dangerous situation, but one that is ripe for abuse and ignoring the problems. It becomes a lose-lose scenario, and as a result, relocation becomes permanent. But, it comes as a cost.
Oct. 5, 2024 An alternative perspective to chaos theory in behavior analysis: A person is becoming sick, but frequently. Over time, it gets worse – severe nausea, projectile vomiting of acid that only occurs around a particular group or person. The energy of anger or rage coming from the group is transferred to the person as a physical illness or temporary sickness. The body was trying to “say” through the gut that the group was not safe, and that the group is the cause. BUT… the person is not acting unsafe, criminally insane or mentally unwell – this is the confusing part. This is chaos theory.
Oct. 5, 2024 Organizations, associations or groups who need to be in control for the "purpose of compliance" will have their managers and supervisors use coercive control tactics on their employees.
Oct. 5, 2024 It is a harsh reality when at the intersection of right and wrong, a realization comes to late: “we should’ve listened to her. ”When people ask me for advice at the juxtaposition of making a decision, I tell them what the better part of wisdom is telling me. If they choose wisely, they made a good decision. However, if things go poorly, then they didn’t listen to my advice. They did what they wanted; the results are poor because they made a bad decision. Harsh realities come through epiphanies and insights, way too late.
Oct. 5, 2024 With my intensive military training, strategic interventions, and methodologies that make RFG successful, I am able to pinpoint a fraudster in seconds to minutes, over the phone, in person, overseas, from a letter, subpoena or text message, and even as a knock on the front door. It is at the “juxtaposition of awry” that a fraudster’s plans are thwarted, their scheme realized and another crime prevented.
Oct. 5, 2024 HCP example: HCP example: The manipulator. Having friends disguising themselves as wolves in sheep’s clothing when tough times or opposition hits can leave you empty-handed. They make you second guess yourself with the mind-bending games and lies used to deceive, masking the “truth” with denial, blame, guilt or sadistic humor. They neglect, ignore, give the silent treatment to push you away, then deny wrongdoing. You know anyone like this?
Oct. 4, 2024 A sex predator attends a future presidential rally and is looking for the next victim. There is nothing that makes him stand out as being awkward or weird. He didn’t learn his lesson in prison. He gains the trust of his victim easily and quickly. Immediately he decreases his distance from the victim to a more intimate space, assumes that touching is ok, and moves to get the victim to a nonpublic area.
Oct. 4, 2024 Presidential rallies can attract a fraudster who is looking for his next financial opportunity. The fraudster may study the types of people who attend those rallies, and the presidential candidate.
Given the environment of a fun event, it is highly unusual to meet a stranger who tells you about an investment opportunity in artwork, cultural entertainment or investment in a line of yachts. Then just you both are hitting it off, they request to ask for sensitive financial information to run a credit check to see if you qualify for this opportunity. A deceptive scheme.
Oct. 3, 2024 “No one knows her/him better that I do,” is a phrase often used by dishonest persons attempting to sabotage another, their livelihood or success, and ruin a reputation, all for personal, political and selfish gain. A distorted perception of reality is what makes this fraudster get caught. His behavior indicates a level of nefarious intent.
Oct. 3, 2024 HCP example: My way only. Individuals who think that their perspective is the only one, and anyone who disagrees with them is off the wall. If you dare disagree with them, their harsh judgments will find you as the target of blame (also a term coined by Eddy) in which they will relentlessly pursue that “there is something wrong with you.” The expectation is that you will agree with them, not question them.
Oct. 3, 2024 HCP example: The devil’s advocate. Not only are they riding the train of attack and blame, they sit on the fence of indecision, waiting to impale themselves, then look for a second chance to get into a victim’s life. These people aren’t on anyone’s side, their interests are personal, their insecurity and inferiority introduce them, as they won’t allow you to get a word in edgewise.
Oct. 2, 2024 After my investigative report is turned over to authorities, there are typically other ramifications that occur by other institutions, such as a state licensing board, Board of Directors, Board of Regents, government departments and associations that can sanction and/or conduct their own investigation for an individual or group.
The institution from which they are employed may remove their credentials, such as a PhD, placed on probation, dishonored in their industry or discredited by faculty – but, it all depends on the seriousness of the crime, the number of frauds committed, the length of time it has been going on and the amount of damage/restitution determined.
Oct. 2, 2024 My company writes preventative plans. When I notify the public of a scam – https://ravenfg.com/blog/fraud-tips – it is to prevent a fraud from happening and a person from becoming a victim.
Oct. 1, 2024 RFG has a strategy and contingency plan, up to and including interventions for individuals with escalating challenging behavior. The Challenging Behavior (CB) protocol is a system devised to curb unwanted behavior from least to most restrictions with the help of law enforcement, an attorney and a judge.
Sept. 30, 2024 It can be hard to see ourselves as being easily scammed. We think that we would be able to pick up on a scam. However, vulnerable populations such as the elderly or disabled may need more protection and guidance as they can inadvertently given out sensitive information to the wrong person.
Sept. 27, 2024 In order to advance my skills, practice what I learned during training, and prevent fraud from occurring, I have been visiting Friendly Center and surrounding shopping areas. I am not trying to be friends with anyone or vie for a community position. You can’t get good at something unless you practice, right? After I visit a store, I go to my car and write down my impressions, what I missed, what I overlooked, what I’m picking up on – essentially conducting a performance review of myself. Later, I take it back to analyze for further insights or things I may have missed. Then, regroup and try again another day. If I see a crime occurring, I will report it to authorities – from a distance.
Sept. 27, 2024 Too many guys who have affairs claim they don’t have any money to pay the wife alimony. When an affair is discovered, the reason for where his money is going is not longer a secret. It’s expensive to have an affair. The money he was diverting was going to the affair partner for hotel rooms, entertainment and food expenses. It's also the reason for the missed and late payments, not paying for the wife's medical bills or her expenses causing her to go into debt.
Sept. 27, 2024 When a business is struggling not to go under, they are in a state of cutting back and reducing. This is an indicator that the business is about to go under if something isn’t done to jumpstart it back into profit.
Sept 27, 2024 When the offer to clear debt arises, the fraudster often claims they are bankrupt and have no money left. However, a new offer replaces the one the table. We’ll clear your debt, but you have to serve a jail sentence for X amount of months and years. When you get out, there is community service and probation. How do you think people react to hearing this negotiation? Suddenly, money is found for the exact amount owed. The fraudster moved the money to a relatives account to make it appear that they were bankrupt.
Sept. 27, 2024 When a business’s performance and profit is doing largely better than other businesses, and better than their industry, there is cause for concern. What is alarming is that a fraudster has a wad of cash that seemingly comes out of nowhere to help pay their expenses, while their family goes without. Where is the source of income coming from?
Sept. 27, 2024 An example of a loophole that needs to be resolved is overcoming learned helplessness. When a quarterly report unexpectedly shows numbers that aren’t expected, it creates repeating patterns of helplessness. Finding ways to resolve a problem, nip it in the bud early, attacking the issue with insight and clarity, follow by decisive action, reflecting on what went wrong, regrouping and starting again is what is needed.
Sept. 27, 2024 When securing an area the size of a baseball field, including the stands, it is important to provide layers of protection and security, with 3x the amount of executive protection, local military in full uniform, state police and local law enforcement, rifle ready. The overall feeling needs to be that of protection, not an impending Cat 1 hurricane.
Sept. 27, 2024 Individuals flying under the radar who are concealing their “frauds” will falsely accuse another professional of the same fraud as a diversionary tactic.
Sept. 27, 2024 https://youtu.be/q-VWP2gU6tg?t=14 Fun Fact about a lion’s tongue: Their tongue is made of papillae, tiny spikes made from keratin that can literally lick your flesh off exposing flesh in just a few licks. A harsh judgment can feel just like one swipe of a lion’s tongue. Just the same, one swipe of a lion’s paw can tear you to pieces with little to no chance of survival.
Sept. 26, 2024 When a lack of internal controls (preventative measures) are not installed into a business’s daily operation, a loophole may exist in which fraud can creep in. If it isn’t stopped, the fraud can also cause other frauds to slip in, causing multiple frauds to occur simultaneously.
Sept. 24, 2024 A navy fighter pilot once told me, “Don’t focus on the distraction, focus on the problem.” This is valuable when honing instincts to find the source of information.
Sept. 24, 2024 An internet search engine that in collusion to remove specific businesses from the internet, permanently remove a person, political organization, religious affiliation and their views from the internet will spark a criminal investigation from multiple organizations and government departments.
Sept. 24, 2024 If I were to be hired for a financial fraud investigation in Virginia, this is a time-consuming task that can take several months and sometimes up to a year depending on the number of occurrences of fraud, the size of the company, number of employees and the extent in which fraud is occurring. Embezzlement cases take longer because there are more financials to sift through.
Sept. 24, 2024 When a HCP wreaks havoc in all areas of your life, turns your friends and family against you, you see how powerfully manipulative, persuasive and controlling they are. Is anyone else thinking of Charles Manson? He influenced people to do his dirty work and murder for him.
Sept. 24, 2024 Many organizations are top heavy because of the fraud occurring there. These are nonprofits that are using donations to fund administrative costs and salaries, and not used for the intended purpose of the nonprofit.
Sept. 24, 2024 Difficulties that are meant to challenge can be taken too far. Everyone loses. Don’t be the charity that learns a lesson the hard way.
Sept. 24, 2024 Private investigators who do not close a loophole (or entrance) where fraud can occur, are opening themselves and their business up to additional frauds that can occur, unbeknownst to them and their employees.
Sept. 24, 2024 It can be overwhelming to be a manager of a high-end retail store in which shipments may come in every day. Make sure you pass on the savings to your customers, but also make sure you make a reasonable profit. A discount of $50 should not show a markup of $150.
Sept. 24, 2024 Pawn shops need to clear out the junk they are selling. Those that don’t are selling this at exorbitant prices.
Sept. 24, 2024 Websites that give information in the fine print: if the reader misunderstands what you said and results in a fine to them, recognize your information is vague and not transparent.
A reader should not have to guess at what you are stating to be true. You must be honest in all business dealings, including business commerce.
Sept. 24, 2024 Globally, I am the only sole prop woman-owned CFE business. My support staff has already been vetted and chosen, and will increase based on the needs of the business. Due to security reasons, very few will know my location at any given time.
Sept. 23, 2024 HCP Effect is my theory: It occurs when individuals fall prey to the HCPs tactics of manipulation, lies and deception, making an innocent person guilty. I hate when that happens because, it happened to me at the worst time during a significant event. It’s humiliating, shameful and embarrassing to realize you have been made the fool. It can happen to anyone, at any time. For those of you who do support the HCP, know that you aren’t alone in making this BIG mistake. It comes with major consequences, as an upheaval in your life - break up, divorce, ending a business, the breakup of multiple relationships, and even a career.
Sept. 19, 2024 A tactic to catch a fraudster is to cast a large net, narrow down the options as the investigation continues, and then, begin circling your prey.
Sept. 17, 2024 The motive for tax evasion: Companies or people need to keep up appearances, need to maintain their current lifestyle despite worsening economic conditions, the appearance of a more balanced profit and loss statement (as seen in upper-end shops) in the case of a soon to happen merger or acquisition, showing a plateau of profits when others in the same industry are experiencing depression downturn and even bankruptcy.
Sept. 17, 2024 What can persuade a predator not to attack their victim?
1. Being easily distracted, looking up and around, being aware of who is in your environment.
2. Looking your predator in the eye
3. Their restless behavior is constantly distracting you from what you are doing.
4. In a recent situation, I knew I was being tracked, but went about my business. I wasn’t easily intimidated; I did not run out of the store. My behavior gives the impression that I would fight. It was my lack of response and reaction in which the predator determined that I would not be an easy target.
Sept. 17, 2024 Lately, there have been news articles of NC Appalachian Trail hikers being found, dead or in the nick of time. Even on a day hike, a situation can become dangerous when you realize a predator is stalking you. A makeshift cabin in the woods is a perfect place for a criminal to hide, and especially to kidnap and detain a person. It isn’t suggested to go off the trail, unless you know the area well enough to find your way back and if you have survival skills. It is important to remember that not every situation has a negative outcome.
Sept. 17, 2024 Abruptly removing a group, an individual and friends that are HCPs is what I term the “guillotine effect.” Implementation is by advanced planning and requires a implementation of security protocols. Law enforcement needs to be present in case things go awry. HCPs are highly sensitive to rejection, abandonment, loss and loss of control over their victim. Abruptly cutting them off exponentially increases violent reactions especially towards the victim. Diffuse the situation with a no contact order and with a series of escalating consequences or automatic jail time if there is no compliance.
Sept. 17, 2024 Applicants may be required to take a personality test to see if they are a good fit for a job. However, it is important for HR to ask questions that verify the applicant will act in ways that are moral and ethical. Recognize that if put into a high stress or peer pressure environment, that compromising of their values can occur. What sets this employee apart from the rest?
Sept. 17, 2024 Questionable business practices in grocery stores that freeze and thaw seafood repeatedly over one week’s time lose integrity, texture and taste. If it isn’t kept at a specific temperature all day, it is no recommended to refreeze for safety reasons. Generally, this is not a FDA or USDA recommended practice.
Sept. 16, 2024 In both situations with the GA shooting and the attempted assassination on Trump: There was a HCP behind the blatant dismissals of verbal alerts and warnings, non-acknowledgement of a problem and making a decision not to do anything, disregarding the feelings of others. If it is determined that there has been a history of this type of decision-making, and possibly abuse of power, this person has become a liability to the organization. This liability is a loophole that needs to be closed; the person can no longer serve in the same capacity and must be removed through a forced change of career with conditions on future types of employment.
Sept. 16, 2024 Sniffing around the edges of an internet search engine can reveal multiple loopholes - points of interest that can allow fraud to enter - or exit. Although the company may be unaware of these loopholes, an unintentional dishonest business practice(s) can occur. Internal investigation by the company’s security personnel and fraud department will reveal the mole. To be transparent in closing the loophole in a timely manner, it is necessary to ensure there is no illusion that business commerce is being prevented for the purpose of causing loss of profit to the business, and business reputational damage and harm.
Sept. 16, 2024 It’s great that parents lead their children to be self-disciplined to get good grades to prepare themselves for a successful future. One thing parents need to teach their children are healthy ways of coping with disappointment, and even failure. When children are overwhelmed with negative emotions, they need to find healthy ways of dealing with disappointment. Teenagers especially need to find productive ways of coping with anger that allows them to blow off steam, without physical altercation and violent interactions.
Sept 16, 2024 Points of egress show a lack of "proper" advanced planning to stop a fraud from occurring. Securing the perimeter isn't enough. You have to make sure ALL points of entry are secure. An open field with an outhouse is an example.
Sept. 13, 2024 How can other businesses prevent being attacked by unnecessary algorithms that suspend or prevent businesses from business commerce? 1. Fraud must be eradicated from ALL businesses first. Loopholes that are allowing fraud to occur right now, are possibly allowing multiple frauds to occur in the same business. 2. The way to do business is through honest business practices, using transparent contracts that spell out your services with a timeline of completed services. 3. Deceptive business practices occur in what is termed, dishonest and fraudulent business practices. One of the ways it occurs is through tax evasion through excessive exemptions.
Sept. 13, 2024 Once a series of steps are exposed by the IT fraudster, in a matter of minutes, the individual who removed a post or listing was found. This is how IT fraudsters lose their job, with stipulations on not working in the IT field again, unless there is a deal made with the prosecution.
Sept. 13, 2024 A dirty IT person can create an algorithm that flags a business as suspicious or deceptive. This can occur even with businesses who have been in business for years, have a few reviews and are “suddenly” removed as a suspicious business. This algorithm can be created, unbeknownst to the manager supervising the IT group. This is the result of a mole in charge of business reviews at Google. In effect, they are only allowing certain businesses to be in business and have a listing.
Sept. 13, 2024 What is a white hat hacker? A certifiable position in which training is received to identify and repair loopholes in the computer system that would be a point of ingress for a cyberattack. These white hats are lawful and ethical, working with the owner’s consent to perform a variety of tests to ensure the business is protected from malicious intent.
Sept. 13, 2024 Individuals who remain anonymous under ‘handles’ to write defamatory remarks on social media, know that your IP address from your technological device can be traced back to you. There is not anonymity. Tracing a handle to an IP address leads me to your device, then through a series of steps leads me directly to your contact information. Your anonymity is exposed in a matter of minutes.
Sept. 11, 2024 #Police Received an alert to prevent furthering of a crime of a duo mixed race older couple approximately in their 60s at the Ollies on Wendover Ave. at approximately 11:25 AM attempting to shoplift multiple technological devices and other small items from the store. The duo was not successful.
Sept. 10, 2024 Thieves and criminals are exposing themselves when they commit a crime, as they are creating a tally; the wrongdoers list.
Sept. 10, 2024 #IRS A dishonest and fraudulent, businessman, a CPA, is about to go under. To prevent the situation from drastically altering his lifestyle and possibly his freedom, he will likely falsely accuse another person or business of the same crime he is concealing. Although he has been flying under the radar for decades, his crime IS being realized as the criminal investigation, and his business will reveal multiple occurrences of fraud, possibly the same types of fraud, multiple times, over a period of time. It may appear that other businesses are involved or furthering his crime, but this is not so. Unintentional fraud occurs sporadically.
Sept. 10, 2024 #Barnesandnoble #FriendlyCntr This past weekend, within seconds of entering the store, I encountered two men, working in tandem. Profiling them in seconds, there was a spotter and a rapist. I gave them a run for their money as I was all over the store looking in my favorite sections for new material. By the time I got done with them, the ones head was spinning, and the other lost me in traffic. I had my concealed carry purse with me and 'that' was the target - to get the gun, not the cash.
Sept. 5, 2024 #FBI GA school shooting: "We are so sorry for your losses. Please know that we are thinking of your families and holding your community in prayer and vigilance during this difficult and painful time."
Sept. 5, 2024 #FBI GA school shooting: Final thoughts: A child does not have the reasoning capability to think through the consequences of their actions. Likely, in his mind he is thinking “there was a bully online, I was trying to get back at him, I was getting frustrated because he wasn’t listening to me. I had to do something drastic to fight back.” Besides receiving punishment for the consequences, he needs counseling, support and intensive therapy. What he did was wrong – murdering is wrong, however you cannot fix trauma through harshness, it has to be healed first. I’m not condoning his behavior. There are underlying issues that need to be addressed first, so that there isn’t another school shooting, for similar reasons.
Sept. 5, 2024 #FBI GA school shooting: There was a problem, the child did not receive mental health services. What are we doing today to help children cope with the dysfunction in their lives and to solve problems in healthy ways? How are we teaching children to resolve conflict in a way that does not hinder their growth and development? If this problem is not addressed today, there is a likelihood that there will be more children just like this little boy. When you address the cracks, the next step is to address the root cause of the behavior. The implementation of this process is minutes and can be implemented today.
Sept. 5, 2024 #FBI GA school shooting: At some point, there was what I term, “juxtaposition of awry,” and in this situation, a decision was made to continue observation and not seek an evaluation. Another “juxtaposition of awry” is when the threats continued, and at the six month mark an evaluation was still not requested. Evaluation cannot by performed by observation only.
Sept. 5, 2024 #FBI GA school shooting: It would seem that there’s been a dereliction of duty to keep the GA school safe from harm and a severe lack of duty of care on the part of someone. Why didn’t the FBI Director evaluate this risk as a real time threat? The ball was dropped and the kid fell through the cracks. As a side note, if a person is making threats online, there is usually an online bully that those comments are directed.
Sept. 5, 2024 #FBI GA school shooting: I have been prompted to make a few comments. There isn’t much to say. It could have been prevented. We know this because the FBI was alerted to the online threats made in 2023. Why didn’t the FBI have him evaluated by a forensic psychologist to discover the reasons behind the online threats? Why wasn’t he taken into a facility for observation/counseling for 6 months? Has anyone considered that there may have been a bully behind the scenes as the driving force for his acting out?
Sept. 3, 2024 In NC only, the leaders of boards and associations are causing unwarranted sanctions to its members. The inability for members to update their information is caused by non-maintenance and lack of updates to IT systems resulting in non-compliance.
Aug. 29, 2024 #KamalaHarris "Not everyone has a story to tell, and not everyone’s story needs to be told.”
Aug. 23, 2024 #Trump May the best "man" win the Presidency.
Aug. 20, 2024 FUN fact about a black panther is their broader vision with exceptional hearing, seeing and olfaction allows the panther to navigate difficult situations with grace. Their enhanced perspective allows them to either attack their prey or escape unharmed.
Aug. 19, 2024 Fraudsters are easily realized because they do not have a contingency plan when their first plan goes awry. For them, it is unreasonable to think that their plan could possibly have some holes in it.
Aug. 16, 2024 Polar bears often find themselves in situations in which moving forward needs to be done cautiously. It is important for them to keep themselves safe and protected. In surveillance, it is important that a private investigator does not get burned otherwise it can tip off the subjects.. A stalker, on the other hand, wants to be seen and they are using their identity as a way to scare the victim.
Aug. 2, 2024 Squirrel FUN facts: their teeth never stop growing, they constantly chew - nuts - to keep them filed. In order for me, as a CFE to be exceptional at my job, I have to be a resourceful hunter of researching data during the day, and a wise gatherer of information at night. Like a squirrel, agility to escape dangerous situations is paramount to their survival.
Jul 30, 2024 Earlier this year I planned to keep my promise to seek justice for families in the (NC) Piedmont and surrounding areas. They were being scammed by a dishonest contractor - the Mexican cartel leader I stood up to last fall. All the contingency plans I had fell through because the preponderance of evidence was the witnesses testimonies. Their fear of the cartel, kept them from testifying. I know God will handle this injustice in a different way. Perhaps it was protection for me.
Jul 29, 2024 #Trump The breakdown in communication with the secret service and SWAT was NO mistake. Eliminate the snake. You have a mole.
Jul 29, 2024 #Trump there were limited snipers, why didn't they have one on each building, to include securing the outside perimeter?
Jul 29, 2024 #Trump When Crooks "didn't get the job done" the masterminds first thought is "I'll do it myself." the threat level is high for a 2nd attempt. Bulletproof enclosures around Mr. Trump for future events is the priority. The height of the enclosure must be angled so that even at eye level, so he is protected.
Jul 29, 2024 #Trump Criminals are not very smart. There is no contingency plan if things go awry. Do you really think that Crooks had the foresight to devise this plan? No. The person who planned this, is the mastermind. Being an intelligent loner doesn't implicate. He had help.
Jul 28, 2024 It is not uncommon to find that a store who had a security guard posted, and that was recently robbed, will on the next shift, exponentially increase the security staff because the optics of increased security will deter an incident from occurring again.
Jul 28, 2024 #Trump rally in Butler: while the Secret Service agents who will be in full force to protect Mr. Trump, who will be there to protecting the public?
Jul 28, 2024 #Trump attempted assassination: It's inexcusable that there wasn't enough Secret Service agents placed. What about local military?
Jul 28, 2024 #Trump attempted assassination: by not securing the perimeter and not properly mitigating the site's weaknesses and many other overlooked details, the unfortunate events from that day could have been prevented.
Jul 28, 2024 #Trump attempted assassination: Likely, Mr. Crooks, in all probability was displaying red flags a few days before the event.
Jul 28, 2024 Re: #Trump How do we know that the "people" who witnessed Mr. Crooks on the roof but didn't report it, weren't planted "cells" or conspirators? You may think my theory is too left field however, theories can be considered.
Jul 26, 2024 A criminal alliance telegraphs their nefarious intentions for a planned attack. A planned response circumvents and escapes the threat.
Jul 26, 2024 Determine which dormant vendor has not had activity for more than one year, and suddenly is now receiving payments.
Jul 25, 2024 A fraud scheme is evidenced by a duplicate payment that includes an invoice number, date, purchase order and amount.
Jul 24, 2024 Conduct ongoing vendor audits to ensure goods and services have been received and validate invoice amounts.
Jul 23, 2024 Sometimes the only way to find the threat is to disappear for awhile. To find the source of information, you follow the money trail, but to find the source of a threat, you go undercover.
Jul 23, 2024 In the company insurance assessment, consider supposed financial and operational risk.
Jul 23, 2024 The best way to prevent a fraud from occurring or to stop one in progress is through the perception of detection. Did you see something done that was illegal? Were there audio recording devices that showed someone accepting kickbacks? Has someone witnessed your activity?
Jul 22, 2024 A vendor audit risk identifies potential audits on the contractor.
Jul 19, 2024 There needs to be a policy developed that creates alerts when invoicing is investigated and closed.
Jul 18, 2024 How often to perform periodic due diligence on current vendors? Every 3-4 months.
Jul 17, 2024 New vendor policies need to address former employees who want to work as contractors.
Jul 16, 2024 Employees need to receive critical guidance on recognizing and handling conflict.
Jul 15, 2024 A ransomware attack is greatly reduced when staff and students in higher education are trained on how to identify unsafe emails.
Jul 12, 2024 It is essential to perform periodic invoice reviews of random invoices to ensure reasonable business practices.
Jul 11, 2024 Do you know if packages in your warehouse are handled in a specific manner or if the suppliers are extra demanding with the way they are handled? If there are standard practices has anyone requested exceptions?
Jul 10, 2024 Organizations need to prioritize training in understanding conflict of interest and ethics training.
Jul 9, 2024 Review a suspect employee's web browser history by performing a keyword search of their work emails to look for terms such as pre-owned, used, toner, ink, cartridge and the names of the resellers.
Jan 15, 2024 Interviews can reveal shameful behavior, that is both nonthreatening and pitiful.
Jan 12, 2024 Asking interviewees to remember incidences that happened months or years ago is exhausting and requires patience.
Jan 11, 2024 When dealing with interviewees, explain how you are reliant on their help and how they are able to support the case.
Jan 10, 2024 People with high conscientiousness want to know as much as they can about the interviewer and what the interview is about, in contrast to the narcissist.
Jan 9, 2024 Narcissists are more interested in telling their stories instead of listening or hearing about the interview process.
Jan 8, 2024 Narcissists are notorious for not taking constructive criticism without it resulting in an angry outburst, sudden rage or physical violence.
Jan 5, 2024 Reduce feelings of shame by allowing more time for them to openly explain a situation; put yourself in a position to understand.
Jan 4, 2024 With interviewing, it is best not to ask "why" questions. This can increase feelings of inferiority and give reminders of parental interrogation.
Jan 3, 2024 In interviews, begin with asking simple questions that require expert knowledge, so that when the tougher questions come, they will be more willing to answer.
Jan 2, 2024 Asking general nonthreatening questions about an interviewee's well-being, city, office or company shows that you are not the enemy.
Jan 1, 2024 Narcissists will protect themselves from feelings of inferiority by assuming others are better than they are.
Dec 29, 2023 All of us have moderate narcissistic aspects in our personalities that make us love ourselves and believe we can achieve our goals.
Dec 28, 2023 Those with moderate narcissistic traits reflect it in their appearance with designer clothes, expensive bags, fine handkerchiefs, signet rings and cufflinks and luxury cars.
Dec 27, 2023 Attention seeking behavior, such as a need to be recognized and admired manifest in openly discussing their visions and cost of their dreams versus hiding their ambitions.
Dec 26, 2023 Narcissists have a fantasy of grandiosity, perceiving that the rules don't apply to them.
Dec 25, 2023 Individuals with strong narcissistic traits have strong needs to be recognized, admired and to have others perceive them as "special."
Dec 22, 2023 Benjamin Schorn, a forensic investigator states that pathological narcissism has components of strong self-centeredness, and an overcompensating survival strategy that excessively protects self-worth, but - to the demise of others.
Dec 21, 2023 Use data analytics and tested fraud examination techniques to root out fraudsters.
Dec 20, 2023 Ensure IT security personnel test VPN limitations to prepare for mass usage.
Dec 19, 2023 Implement multifactor authentication on all VPN connections to increase security.
Dec 18, 2023 Ramp up remote access, security personnel, insurance information and cybersecurity tasks to be alert for attack and detections, incident response and recovery.
Dec 15, 2023 Update your VPN, network infrastructure devices and equipment used to remote work in environments with the latest software patches and security configurations.
Dec 14, 2023 The department of homeland security, cybersecurity and infrastructure security agency's encourages organizations to use VPNs.
Dec 13, 2023 IRS SCAM: They will not bring in local police to arrest you for not paying your overdue taxes.
Dec 12, 2023 IRS SCAM: Asking for credit or debit card numbers over the phone to demand payment for your account is not their protocol.
Dec 11, 2023 IRS SCAM: They will not require a specific payment method, such as wire, ATM transfer or to meet them somewhere to get cash or pay with a gift card.
Dec 8, 2023 IRS SCAM: Demanding you pay taxes without giving you an opportunity to appeal or question the amount is not how the IRS does business https://t.co/xbmXJysqcH
Dec 7, 2023 IRS SCAM: The IRS will never call you about taxes you owe without first mailing you an official notice.
Dec 6, 2023 IRS SCAM: The fraudster knows a lot of information about the individual they are trying to scamhttps://t.co/SzTWcee9da
Dec 5, 2023 Look for fraud in purchase order prices that are different from the prices contracted for the same material. Examining suppliers, pricing and different purchase locations may find a trail of discrepancies.
Dec 4, 2023 Did you check to determine if a supplier is charging a different price for a similar SKU?
Dec 1, 2023 Excessive or frequent payments made to miscellaneous entry accounts can be a link to fraud.
Nov 30, 2023 Do any of your employees hold an undisclosed interest or conflict of interest relationships with vendors?
Nov 29, 2023 Periodically check your master vendor file with the employee master list to determine if there are any duplicates or same name, address, phone number or bank account information.
Nov 28, 2023 On your master vendor file, are there any vendors who have missing or incomplete information - such as tax info, website, addresses and phone numbers?
Nov 24, 2023 Identify who the duplicate vendor is by the number, name or account number in the master vendor file.
Nov 23, 2023 Do not be tempted to overlook payments approved by the same person who created the payment.
Nov 22, 2023 Discovering fraud frequently occurs when a search is done on payment dates prior to a purchase or invoice date.
Nov 21, 2023 Weekend and holiday payments can have fraudulent payments or overpayments.
Nov 17, 2023 “Protecting taxpayer dollars by preventing fraud and abuse is critical.“ The large number of settlements and judgments demonstrates that the False Claims Act ensures that public funds are spent properly. (Source: Principal Deputy Assistant Attorney General Boynton)
Nov 16, 2023 Non-economic damages compensate a victim for the losses such as emotional distress and loss of enjoyment of life and is a type of compensatory damage. (Source: Greene Broillet & Wheeler, LLP)
Nov 15, 2023 Compensatory damages are money that is awarded in a civil case where loss has occurred as a result of the negligence or unlawful conduct of another party. (Source: https://t.co/t7rv7KElDz)
Nov 14, 2023 Examples of compensatory damages include: mental anguish, disfigurement, future medical expenses, lost wages, long-term physical pain and suffering, ambulance expenses, increased living expenses, inconvenience, loss of enjoyment of life, etc. (Source: https://t.co/t7rv7KDNO1)
Nov 13, 2023 Of the more than $2.2 billion in False Claims Act settlements and judgments reported, over $1.7 billion matters were in the health care industry. (https://t.co/GTeSMtAsyS)
Nov 10, 2023 The False Claims Act imposes treble damages and penalties on those who knowingly and falsely claim money from the United States or knowingly fail to pay money owed. (https://t.co/GTeSMtB0oq)
Nov 10, 2023 In NC, it is illegal to hard wire a GPS tracking device directly into the fuse box of a vehicle. It will log latitude/longitude, the MPH, stops & the duration of the visit. This constitutes harassment & stalking & is found in cases of domestic violence & spousal abuse. https://t.co/mfzjQGwkA8
Nov 9, 2023 No employee should report an allegation of fraud or corruption internally until an attorney has been consulted and advised(Source: Kohn, Kohn, & Colapinto)
Nov 9, 2023 My services are available to anyone in the United States, and I will work with you, your attorney and team, to assist you in your case or called as a witness may be reached through https://t.co/8NQiaBVseX.
Nov 8, 2023 Disclosing the identity of a whistleblower or confidential informant could constitute an obstruction of justice. (Source: Kohn, Kohn & Colapinto)
Nov 8, 2023 My services are available to anyone in the United States, and I will work with you, your attorney, and your private investigator to assist you in your case, or called as a witness in a trial.
Nov 7, 2023 The best way for a whistleblower to protect their confidentiality is to file a claim under a law that provides for strict protection for confidentiality(Source: Kohn, Kohn & Colapinto)
Nov 6, 2023 OSHA’s Whistleblower Protection Program enforces the provisions of more than 20 federal laws protecting employees from raising or reporting concerns about hazards or violations in workplace safety and health, etc. (Source: https://t.co/FGLJmQYg66)
Nov 3, 2023 Federal whistleblower laws protect federal employees or former employees(Source: https://t.co/TPx4ee3UMy)
Nov 2, 2023 You can't make this stuff up! Husband confession: "I was going to trick my wife into paying for a new car for her. I'd have her co-sign, but I wouldn't make the payments; she'd be tanked with debt. It was to overwhelm & make her commit suicide so she couldn't move on without me."
Nov 2, 2023 The Whistleblower Protection Act forbids state officials and employees from retaliating or attempting to retaliate against an employee or applicant who reports improper activity. (Source: https://t.co/xZOtL2H39A)
Nov 1, 2023 Employees who are over purchasing may steal ink after they arrive to work by staying late or opening earlier than normal.
Oct 31, 2023 For prevention of any type of fraud, review your shipping records for new addresses and new vendors. Review entry badges for new swipe data.
Oct 30, 2023 Is your organization at risk for toner and ink fraud? Do you have a fraud reporting hotline? Are your employees duties separate, from ordering and receiving goods?
Oct 27, 2023 Printer toner and ink are prone to theft due to their small size, high retail prices and resale ease. Oct 26, 2023 Office workers make easy money by selling stolen office supplies.
Oct 25, 2023 If an employee is driven by greed, an opportunity for gaining easy money will encourage them.
Oct 24, 2023 Top reasons employees steal from their employer? Revenge, injustice on an issue, feeling that they deserve more because of their length of service.
Oct 23, 2023 Victims of fraud need to report fraudulent scams to local media and law-enforcement agencies, and submit a consumer complaint to the FTC.
Oct 23, 2023 The identity theft resource center indicates that victims of unemployment fraud contact their local unemployment office to report issues, place a freeze on your credit and monitor your account for changes.
Oct 23, 2023 The Consumer Centennial Network Data Book stated that in 2019, unemployment benefits from fraud claims totaled $46,000.
Oct 3, 2023 #companies need to vet all parties before engaging in any business activities, conduct regular staff trainings, promote hotlines and strengthen the ethical tone.
Sep 29, 2023 #Surveyors need to check that seals aren't broken and seal numbers match seal verification reports. If they are broken or missing, disregard the #meter results and inform #management.
Sep 28, 2023 #Test all fuel for contaminants with advanced gas chromatography mass spectrometry #instrumentationhttps://t.co/2x5uuJRR6N
Sep 27, 2023 To #prevent #meter tampering, place seals at appropriate points to hinder unauthorized connections or insertion of magnets.
Sep 25, 2023 Use mass flow meters for better accuracy; proper installation is crucial to ensure correct measurementshttps://t.co/HTSpsI0vJo
Sep 22, 2023 Employing experienced #maritime shipping crews and qualified #bunker #surveyors will check for changes in temperature and signs of injected air. They will investigate significant differences. https://t.co/JUQKBk2jNW
Sep 21, 2023 In order to ensure your company is not dealing with #sanctioned entities, perform robust due diligence on #vessels and all parties. https://t.co/9iBFV2wsZS
Sep 20, 2023 Use #paperless, electronic #bills of lading that help reduce fraud, risk and optimize costs.
Sep 19, 2023 Check for #watermarks, appropriate papers and #ink to prove authenticity of bills of lading.
Sep 18, 2023 RED FLAGS: Maritime documents: Spelling errors and documentation inconsistencies. https://t.co/uyLbRCUnKS
Sep 15, 2023 Protecting your business from #maritime fraud includes maintaining a clear chain of custody for cargo and scrutinizing bills of #lading prior to accepting #shipments. https://t.co/FrlIO3zT48
Sep 14, 2023 There is no time for debate in a crisis, however, it does require comprehensive and decisive action.
Sep 13, 2023 In a #financial crisis, leaders who overcome must be intensely focused, and must decide, with immediate input from #advisors.
Sep 12, 2023 Plato stated the study of language, influence and persuasion as the "the art of ruling the minds of men."
Sep 11, 2023 Set aside personal self interest during a crisis, for the sake of others needs.
Sep 8, 2023 It is important for leaders to share their values, objectives and vision, so others can internalize them.
Sep 7, 2023 Leaders must embrace strong personal, ethical and moral commitments.
Sep 6, 2023 It is important for leaders to articulate a strong vision in which their employees can tie their self-esteem and self-control. https://t.co/EWW4rOYSF3
Sep 5, 2023 An important characteristic of crisis #leadership is the ability to anticipate "what if" scenarios and the foresight to develop action plans.
Sep 4, 2023 In a financial fraud #crisis, leadership requires commitment to eliminate the uncertainty.
Sep 4, 2023 Many opportunities are lost when the serpent of doubt creeps in, causing us to lose our confidence and hope. So ask that woman out to dinner, promote her, tell her you are fond of her and see a future with her. If you don't, you'll regret losing her.
Sep 1, 2023 #Crisis leadership requires intensely focused, committed actions to eliminate uncertainty, panic and chaos; efforts must be focused on returning daily life to normalcy. https://t.co/CaQQuwC5Rw
Aug 31, 2023 The ACFE presumes a fraudster has good intentions; however the SoF #Diamond is classified under malicious intentions.
Aug 30, 2023 The SoF #diamond indicates that temptation, entitlement, opportunity and boldness allows a perp to act significantly more confident than the average; without integrity it can turn #vengeful.
Aug 29, 2023 The #modern fraudster is a person whose words and behaviors are replete with #entitlement and #boldness; traits that elude investors and board members for years. https://t.co/B4LSa1mIwa
Aug 28, 2023 Due diligence needs to be conducted prior to and during a contract to ensure #business is being conducted appropriately.
Aug 25, 2023 A risk #assessment demonstrates that a company has #identified, assessed and defined its risk profile.
Aug 24, 2023 Building a compliance program is a custom approach based on company size, #industry, #geographic footprint, and regulatory landscape.
Aug 23, 2023 6 Former NFL players were charged with conspiracy to commit healthcare and wire fraud by #falsely claiming they bought expensive medical equipment. https://t.co/Bh4oT14EZA
Aug 22, 2023 Moving on from a toxic work environment: https://t.co/pnUJkAD3vf
Aug 21, 2023 After reporting a #fraud or a #toxic coworker leaves: https://t.co/hg54YxCrLv
Aug 18, 2023 Determine if your information is #legit: https://t.co/qAXHIbHwLv
Aug 17, 2023 Types of internet #websites: https://t.co/6s6vxg6Dqy
Aug 16, 2023 Eliminate #toxic communication styles such as these: https://t.co/iMZKl0mWTY
Aug 15, 2023 Tactics like these are not confined to #churches; can be found in relationships, #volunteer programs or families.
Aug 14, 2023 Implementing a #behavioral #redirection program can change dysfunctional communication styles: https://t.co/5Ff1L5S8ld
Aug 11, 2023 #Interviewing a fraudster can look like this: https://t.co/SfLvO9TlzJ
Aug 10, 2023 #Pressures like these can lead to fraud: https://t.co/s4hc19N3HW
Aug 9, 2023 #Toxic coworkers will create unhealthy workplaces: https://t.co/zuEke2plu8
Aug 8, 2023 Caught fraudsters #do this: https://t.co/RVHcGYFq5u
Aug 7, 2023 Solution: #Redirect back to and rephrase the questionhttps://t.co/K0ZAdFv5yG
Aug 4, 2023 #Sales people - watch your approachhttps://t.co/xIGkMOWxVv
Aug 4, 2023 Serve and protecthttps://t.co/dJ4C1SsMte
Aug 3, 2023 Do not allow your #sales #pitch to cross over into the dark art of persuasion used to deceive, mislead or misinform a client.
Aug 2, 2023 #Manipulation occurs when a person cannot discern the speakers intentions behind what is being said.
Aug 1, 2023 Trading across #borders brings greater fraud #threats, but can be managed by digital and human expertise. https://t.co/ZvxDiR94Se
Jul 31, 2023 A #multicurrency account allows businesses to receive payments from customers and pay suppliers in the same currency.
Jul 28, 2023 The more foreign #exchange #providers an entity uses, the more likely fraud will occur.
Jul 27, 2023 Educating your people in fraud #awareness across all areas of your business enhances company training. https://t.co/Ujgo0HZArD
Jul 26, 2023 The best way to protect yourself and your clients is by keeping current with the latest #scams.
Jul 25, 2023 #Globally, there was an increase in money #mule events by 41% from 2019 to 2020https://t.co/NlUof5UE4g
Jul 24, 2023 Mules are contracted by criminal #gangs and usually are an unwilling participant in fraudhttps://t.co/lemKEEEkHm
Jul 21, 2023 The #FBI defines a money #mule as a person who transfers illegally acquired money on behalf of another to launder the proceeds of scams, fraud or trafficking.
Jul 20, 2023 Watch for bogus requests for additional #fees to facilitate #international transactions.
Jul 19, 2023 An identity theft scam or creation of a #fake or #shell company tricks consumers into ordering goods that never arrive. https://t.co/9wy0ouvgfp
Jul 18, 2023 What is #cuckoo #smurfing? a legit account to hide illicit money, and transfers. https://t.co/I1ZxBjPacw
Jul 17, 2023 Methods for stealing identities include phishing emails, bogus transactions, #software upgrades, and buying identity documents from the darknet.
Jul 14, 2023 With #technological advancements in #data analytics capabilities, fraud is found quicker. https://t.co/0Vv55jKOMN
Jul 13, 2023 The largest fraud in the US includes criminals who have stolen billions of dollars and #pandemic aid.
Jul 12, 2023 #Conspiracy to commit a fraud can be prevented by increasing #monitoring on social networks, analytics and internet protocol tracing programs. https://t.co/6cpEnnqInZ
Jul 11, 2023 Expense #verification and detailed expense approvals can prevent cost mischarging.
Jul 10, 2023 Beneficiary confirmation and enrollee due diligence can prevent non-existent #beneficiaries from receiving money.
Jul 7, 2023 Identity and income #verification can prevent an applicant from #misrepresenting themselves to obtain undue benefits. https://t.co/9pHMk9v4TA
Jul 6, 2023 Check and payment #tampering is four times more likely to occur in companies with 100 or fewer employees.
Jul 5, 2023 The implementation of hotlines and antifraud policies went up to 13% in the past decade. Due to anti-fraud training, there is more #recognition of fraud than was seen 10 years ago. https://t.co/5dzDwXH12w
Jul 4, 2023 In a study from Report to the Nations, a single case of #occupational fraud costs an average of more than $1.5 million.
Jul 3, 2023 Organizations are opting for internal #discipline and civil litigation versus criminal #prosecutions. Civil litigation increased to 28% from 23%; referrals to law-enforcement dropped from 69% to 59%.
Jun 30, 2023 #IRS scam: They will not call, text, email or contact you on social media asking for your #bank account information, https://t.co/uKIuMO3tmH
Jun 29, 2023 #Ponte Investments, #LLC were falsely claiming to be an approved lender under the SBA paycheck protection program.
Jun 28, 2023 #Overpay red flag: when a fraudster asks you to charge a credit card for an amount that exceeds the quote and requests the difference be paid via #wire transfer, to a personal account instead of a company's account.
Jun 27, 2023 Undercover professionals positioned at the right place gauge the organizations #culture to determine where they need to #deter and prevent fraud. https://t.co/FiVRwDCda5
Jun 26, 2023 A #sick culture is filled with unhappy employees, and becomes a #breeding ground for ALL types of fraud.
Jun 23, 2023 #Beware the organization that condones misconduct when #whistleblowers suffer retaliation, and the guilty are protected.
Jun 22, 2023 A red flag of #oppression? Individuals who are afraid to speak up about misconduct and/or desired ethical #impulseshttps://t.co/NtMhasbOZ9
Jun 21, 2023 #Surveys help employers determine the rate of ease of reporting tips and observations of #management support.
Jun 20, 2023 Companies need to assess the functionality and #professionalism of their hotlines at maximum, quarterly. https://t.co/VbaEdpWSNj
Jun 19, 2023 In 2002, the #SEC signaled the importance of implementing a hotline program in #registered corporations.
Jun 16, 2023 Organizations that have a well defined, independent and designed program, and board level #accountability would immediately recognize #financial fraud.
Jun 15, 2023 Do you have these elements in your hotline program? #Timeliness and turnaround, times to complete an investigation, #board support, tracking and reporting results and a clear code of ethicshttps://t.co/O8AjVy8FKF
Jun 14, 2023 Elements of integrity for a #hotline program: ability to make complaints 24/7, tracking of complaints, initiating investigations, establishing criteria and #prioritization.
Jun 13, 2023 The absence of #hotlines discourages reporting #misconduct and indicates executives disinterest in those complaints.
Jun 12, 2023 An organization that installs a #hotline indicate the levels of commitment to integrity, #transparency, honesty and corporate behaviorhttps://t.co/qZSpWwG7eP
Jun 9, 2023 Fraud #training increases the likelihood of detection of fraud. https://t.co/2LeW71C8mN
Jun 8, 2023 #Median losses nearly doubled in organizations without #hotlines - $100K - with, and $200K - without.
Jun 7, 2023 In a study from Report to the Nations, #whistleblowers used hotlines and emails in 33% of the cases.
Jun 6, 2023 According to the Report to the Nations, 43% of #schemes were detected by #TIPS, half of those by employees.
Jun 5, 2023 Outdated policies and procedures, unmanageable ratio of staff to managers, unrealistic production goals and imbalance in work assignments lead to #dysfunctional #behaviors, decreasing qualityhttps://t.co/VmXxadRowq
Jun 2, 2023 Aggressive sales programs create #unrealistic quotas that drive employees to engage in fraudulent behaviorhttps://t.co/pM6x22zFZs
Jun 1, 2023 In 2016, #Wells Fargo found employees created millions of customer accounts w/o their consent to meet #aggressive sales quotas.
May 31, 2023 How are employees level of respect reflected in interactions, the degree of #integrity, tasks and assignments, consideration and concern towards clients and #customers? https://t.co/GSDBtNzP6R
May 30, 2023 #Anti-fraud professionals readily spot the elements of #sick cultures in observable behavior, products and processes.
May 29, 2023 Shortcomings in attitudes and practices include: inadequate supervision, training #favoritism, lack of #transparency and oversight, inconsistent treatment of employees and retaliation against those who raise concerns of #unethical behaviorhttps://t.co/kRFd6BfBLD
May 26, 2023 People who are controlling, #abusive and manipulative don't consider the possibility that the problem is themhttps://t.co/q0BJjF1b9a
May 25, 2023 A forensic #accountant combines accounting with investigation skills to uncover fraud in financials.
May 24, 2023 A #forensic #psychologist applies psychology to criminal investigations to understand criminal behavior.
May 23, 2023 A chief #medical examiner works with #law enforcement to determine if there are abnormalities that resulted in the sudden cause of deathhttps://t.co/RTJ9060Svj
May 22, 2023 #Handwriting #analysis studies a person handwriting to discover their personality #characteristicshttps://t.co/abis2G4td4
May 19, 2023 Instilling a sense of #purpose in your employees helps them avoid the #inner conflicts that would lead them to commit fraud.
May 18, 2023 An employee rationalizes their actions, especially if a #supervisor is committing #unethical actshttps://t.co/Vd66e1e5Vr
May 17, 2023 The behavior of management and their #reactions to violations of the code of conduct send a clear, stronger message than its conduct.
May 16, 2023 We behave differently when presented with an #ethical decision than we predict.
May 15, 2023 Psychological safety is offering #honest opinions without fear of #retribution or ridicule. Leaders who cultivate this maintain their organizations ethics. https://t.co/Sufr84x7jr
May 12, 2023 A #cashless and paperless system is a move from personal #communication; a harbinger for fraudhttps://t.co/4MTvHpgQOd
May 11, 2023 A common rationalization to commit fraud is, "#everyone is doing it."
May 10, 2023 A rationalization used by fraudster's is #denying that no one was #harmed by the act.
May 9, 2023 #Rationalization is easier when people perceive they have no other choice but to act in a certain way.
May 8, 2023 The #brain produces a negative reaction when a person lies; the more often they #lie, the more often that response fades. https://t.co/8cAXg9pjfO
May 5, 2023 #Train employees to recognize phishing schemes, business #email compromise and #cybersecurity threats. https://t.co/MEo6k7W7zI
May 4, 2023 Include in fraud #training #awareness, how data is accidentally and intentionally breached. https://t.co/bEQ0eUSnUr
May 3, 2023 Identify red flags associated with supply #chain frauds and #disruptions. https://t.co/oOF7Rm0WoS
May 2, 2023 Implement #in-house employee fraud protection and detection awareness #protocols and traininghttps://t.co/4OXQyHKJRu
May 1, 2023 To ensure quality of your product or service is maintained by suppliers and vendors, #test your #products monthly.
Apr 28, 2023 Get to know your suppliers by developing #strong relationships.
Apr 27, 2023 Input clear guidelines for your partners explaining what you need on invoices and #tracking #billing.
Apr 26, 2023 It is a necessity to perform due diligence on your #vendors, #partners, employees and #contractors prior to doing business. https://t.co/Q1TWX1seor
Apr 25, 2023 Perform surprise #audits on inventory, checking every order to ensure all #details are accounted.
Apr 24, 2023 Ensure that the company's inventory database is updated and #accessible to multiple people.
Apr 21, 2023 Do your people understand #clear policies for #bidding and contract #negotiations, conflicts of interest and gifting guidelines? https://t.co/cmGEX2IFv7
Apr 20, 2023 How does your company #proactively plan for possible fraudulent #disruptions that respond to a problem with care for the future?
Apr 19, 2023 How often is your organization #evaluating internal controls and risk #management practices to ensure its integrity? https://t.co/uuhcD2QABc
Apr 18, 2023 #Mitigate risks of supply chain fraud by becoming aware of fraud red flags and how they impact your #operations.
Apr 17, 2023 If a spouse does not want to pay alimony, they can deplete the home's equity to cash and deposit it into a hidden joint account with a family member. It is critical that the separating spouse be extremely careful in the types of documents they are asked to sign.
Apr 17, 2023 It is not recommended that a female private investigator be placed as a decoy to prove a client's spouse's honesty/fidelity. Multiple problems from the Subject can occur: "it was a misunderstanding," to a he said, she said, or the Subject outright lying to "save face."
Apr 17, 2023 Supply chain fraud investigations result in increased in costs in: #compliance, chargebacks, litigation, and a request of credits by distributors and #wholesalers.
Apr 14, 2023 #KPMG reports that organizations failure to comply with regulations affects supply chains with manufacturing slow or #shut downs, inability to supply customers, capacity reductions, damage to the #brand and loss of market sharehttps://t.co/Gkex3mWMKo
Apr 13, 2023 Fraudsters that compromise #intellectual property infringe upon their #markets and steal owners revenue.
Apr 12, 2023 Other types of fraud: #human #trafficking, quality assurance, disbursement, inventory and false saleshttps://t.co/JEGKeHrogY
Apr 11, 2023 Common supply chain #frauds include #kickbacks on raw material buys, intellectual #property theft, improper use of production assets, and #counterfeitinghttps://t.co/PlvWdepjYf
Apr 10, 2023 #Collusion is difficult to detect; quality assurance needs to detect #low quality materials from dishonest vendors. https://t.co/E2hxphG5D3
Apr 7, 2023 Individuals not involved in #supply chain, but who have identified weaknesses can find opportunities to #attack organizationshttps://t.co/9cNM5Hv1Ir
Apr 6, 2023 To manage and lessen the #effects of risk, it is necessary to map each to an #internal control and designate the ownership to a specific individual.
Apr 5, 2023 #Vulnerabilities in supply chain can lead to #opportunities for unscrupulous people to exploit it for #fraudulent purposes. https://t.co/KFxRoZtmrq
Apr 4, 2023 Not having a backup #transportation plan represents vulnerabilities that increase the probability that serious #disruptions in the supply chain will occur.
Apr 3, 2023 43% of companies report they do not have a back up #transportation or logistics plan for #shipping products. https://t.co/hoTZP4hvUW
Mar 31, 2023 36% of companies say they rely on a #single customer for 25% of their business incomehttps://t.co/G7JNvs4NuV
Mar 30, 2023 Downstream risks include the loss of customers and distributors in need of back up plans51% have a single #distribution center #warehousehttps://t.co/u73vfEjw5H
Mar 29, 2023 55% of companies do not have a formal #continuity plan to include #back up plans for people and processes.
Mar 28, 2023 44% of companies say #replacements or parts for critical #equipment either aren't available or they aren't surehttps://t.co/5HNOn0wGTo
Mar 27, 2023 Inplant risks include loss of #equipment, #people and processes that are critical for #production 42% of companies are not sure if they have policies in place to #protect themselves. shttps://t.co/48ojRN6JoJ
Mar 24, 2023 52% of companies indicated that they do not have a back up #supplier or #inventory plan in place.
Mar 23, 2023 49% of companies rely on a single #supplier for 25% of their #materialshttps://t.co/5qEolJqJC5
Mar 22, 2023 Upstream risks are the loss or #disruption of key suppliers, raw materials or materials necessary for production, 31% have their primary supply located in a #weather prone or natural #disaster area. https://t.co/7NuHhwYYse
Mar 21, 2023 The #Traveler's Company Report classified supply chain weaknesses into upstream, implant and downstream #risks. Find out more tomorrow. https://t.co/BLZn1qV0S9
Mar 20, 2023 According to #Traveler Company report, more than 2,500 #manufacturers have identified weaknesses in their #supply chains. https://t.co/h12ocvLYhC
Mar 17, 2023 In 2018, a truck driver was #drugged with sleeping gas so #thieves could steal his #cargo valued at more than 70,000 euroshttps://t.co/UDXYwPbARE
Mar 16, 2023 In 2013, the #president of Castle Cheese sold fake 100% #Romano and Parmesan products. Instead, it consisted of cheaper #cheeses and fillers, including wood pulp and cardboard. https://t.co/ldnG0rw4mn
Mar 15, 2023 #Government watchdogs aren't skeptical and objective enough.
Mar 14, 2023 When things don't make sense, #pay attention and exercise due diligence and #cautionhttps://t.co/Oip9qxLS6t
Mar 13, 2023 A #criminal uses the desire to beat the #system, tired of being told what to do and having #restrictions as reasons for rationalizing their crimes. https://t.co/GI7JKq6ciS
Mar 10, 2023 Absconded funds can show an #electronic trail of #ads to attract multiple women, purchasing #homes, #cars, plastic surgery and children's #educationhttps://t.co/S8BpBhQbzn
Mar 9, 2023 Imaging a hard drive and #tracing the absconded funds to personal #accounts can show how a person can live a secret lifehttps://t.co/qzsbrdA9s5
Mar 8, 2023 General counsel and a CEO can miss #red flags if they are not actively searching for them. Mar 7, 2023 #Red Flags of Controller's fraudulent actions: lack of socialization, using business equipment for personal purposes and with the door closed, & increase in #web usage. https://t.co/GpzbHPVIGy
Mar 6, 2023 When a #controller went on vacation, he set up an account in which $350,000 designated for "#taxes" was sent to his personal account.https://t.co/T3OUHbRtXS
Mar 3, 2023 #Executives can teach themselves to pay attention to changing employee behavior to prevent schemes.
Mar 2, 2023 MoneyGram failed to file #suspicious activity reports, perform adequate due diligence, and terminate relationships with #high-risk agentshttps://t.co/I7NfMfMNgq
Mar 1, 2023 The #DOJ claimed that the #MoneyGram compliance officer failed to ensure that the company followed anti-money laundering provisions.
Feb 28, 2023 Moneygram sent #elderly consumers false notifications that they won the #lottery, were qualified for #loans or were hired as secret shoppers.
Feb 27, 2023 #Moneygram received thousands of complaints from #fraud victims, yet did not terminate the suspected agents. https://t.co/30KjkvR5XI
Feb 24, 2023 Organizations fall prey to fraud because they continue to ignore #red flagshttps://t.co/uGoL1Cjyyq
Feb 23, 2023 Sociopaths and psychopaths only need #opportunity to commit a fraudhttps://t.co/cTYvQAhEDO
Feb 22, 2023 "Blissful ignorance" is trying to avoid #blame, pain or #accountabilityhttps://t.co/x6rPfuQsP2
Feb 21, 2023 In toxic workplaces, dark leadership often makes decisions in isolation. Executives soon realize their counsel is not valued.
Feb 20, 2023 Likable and charismatic #leaders can often hide emotional coldness, exploitation, unethical and manipulative behavior that can wreak havoc in #churches, #non-profits, & #small businesseshttps://t.co/GKNz78wLCZ
Feb 17, 2023 CASE: Moneygram agents convinced consumers to set up accounts and sent them payments for taxes or fees. https://t.co/gSIAsd7LGC
Feb 16, 2023 In 2010, a Norwegian study found that destructive leadership varied from 33.5% to 61%, according to the #British Journal of Management.
Feb 15, 2023 Some narcissism is healthy for charismatic leaders, however an excess can give rise to dark leadershiphttps://t.co/ha6cHQW5de
Feb 14, 2023 Icarus complex defined: traits of dark psychology who take advantage of others, seek admiration and special treatment, are callous and insensitive, and manipulate others.
Feb 13, 2023 The Icarus complex characterizes a specific type of hyper ambitious personality traits that include: elements of #narcissism, essentialism and extreme imaginary #cognitive states.
Feb 10, 2023 A data protection officer contracts a collection, management, use and sharing of data per GDPR, HIPAA and EU related healthcare regulationshttps://t.co/75OIclkqp4
Feb 9, 2023 US healthcare organizations have endured 172 ransomware attacks since 2016, costing more than $157 millionhttps://t.co/2LdkQk14r4
Feb 8, 2023 The #Cayman Islands enacted legislation that grants any person the right to inspect the list of directors of LLCshttps://t.co/53SmmHx1xc
Feb 7, 2023 By obtaining a #Norwich Pharmacal order, the CFE can obtain information from #banks and other financial service providershttps://t.co/DsuwsRPGQM
Feb 6, 2023 Recent legislation on the #British overseas territories could make it easier to conduct investigations into fraud and white collar #crimehttps://t.co/CBRUO92VIe
Feb 3, 2023 Do remote locations have enough internet #bandwidth to support screen sharing and #file transfers?
Feb 2, 2023 How will an organization conduct #remote collections and how will it #authorize the procedure?
Feb 1, 2023 Can an organization's IT department set up a segregated #environment online for #forensic investigators to access remotely?
Jan 31, 2023 When a company decides to #ship the preservation devices from the #data custodians, please keep in mind that that may mean a lapse of 2-3 days or more before accessing the datahttps://t.co/J6Cd3pGp7t
Jan 30, 2023 Data custodians may not be local; be sure to include their #travel expenses to and from the job site.
Jan 27, 2023 #Individuals responsible for data #preservation are called data custodians.
Jan 26, 2023 Does #remote preservation replace on site preservation? https://t.co/7Wt0nIhFeK
Jan 25, 2023 Due to the impact of behavioral changes from COVID, employers will be required to hire experts in #data preservation, not traditional #IThttps://t.co/dCDXTJiPfd
Jan 24, 2023 It is important for data to be #forensically preserved to #track the chain of custody. https://t.co/Y4xyQurSDY
Jan 23, 2023 GSR or #gunshot residue cannot be washed off of hands and can be used to determine who was holding the #gun when it was fired. https://t.co/bN9PiHBwUI
Jan 20, 2023 Failing to properly document the #chain of custody of evidence in a criminal case can lead to a mistrial or acquittal. https://t.co/sITlpTZbAL
Jan 19, 2023 Understanding how EMT personnel implement their protocols in a #crisis situation are used to determine if a defendants testimony is truthful. https://t.co/NZu4RoiULE
Jan 18, 2023 Covid restrictions require alternative methods of investigation such as telephone and email #interviews with people who have #business or industry knowledge. https://t.co/ix4bTx3VG8
Jan 17, 2023 #Fraud in #Medical and #Dental practices fail to prosecute employees and instead need to report them to law enforcement (ACFE).
Jan 16, 2023 Once a practice has discovered a fraud, it needs to contact its #insurance company, then the police, and finally file a notice of #claim.
Jan 13, 2023 #Inventory improperly stated can be caused by physical count, inflation of the unit costs and failure. Fraudsters adjust inventory for the costs of #goods soldhttps://t.co/l3Em6q1ibv
Jan 12, 2023 Percentage of completion of a #contract recognizes measurable progress but is vulnerable to manipulation by recording revenue prematurely and concealing contract overruns.
Jan 11, 2023 ANSWER to previous day question: #General Electric settled the SEC's charges in 2009 for $50 Million.
Jan 10, 2023 A completed contract doesn't record revenue until the project is 100% complete. https://t.co/5S6jYzd0Am
Jan 9, 2023 DUKE ENERGY #SCAM: Utility company impersonators demanding #money or they cut off your service. These calls will not come from a #LOCAL area code. https://t.co/SoOTjNiQRd
Jan 6, 2023 #Motivation to defraud: Caused by external pressures placed on business owners by bankers, families, stockholders and communities.
Jan 5, 2023 #Customer review complaints: RED FLAG: Prematurely recorded revenues indicate delivery hasn't occurred, was incomplete, missing components, and incorrect specs. https://t.co/pQHUNkZXdy
Jan 4, 2023 #Fraud in #Medical practices: Medical practice insurance coverage is typically insufficient to cover losses incurred by #fraudulent employees. https://t.co/qFPXOKEvrW
Jan 3, 2023 CASE: #Employees can collect credit card information, swipe their own #credit card (on legitimate office swipers) to obtain refunds and pay fictitious employees. https://t.co/ZuT2T4VV1x
Jan 2, 2023 #Channel stuffing is encouraging distributors to over buy a large quantity of product @ deep discounts or extended payment terms. This is commonly found in pharmaceuticals, #perfume and tobacco. https://t.co/5KY7iCg4cA
Dec 30, 2022 Background #investigations look into a person's #lifestyle and can perform a search into the last 10 years(ACFE).
Dec 29, 2022 TIP: Areas to review in background checks: criminal or civil litigation, credit and employee history, arrest record and financial overextension.
Dec 28, 2022 Post-fraud discovery #investigations are costly, and the effects can be destructive to the #organizations involved.
Dec 27, 2022 A proper #background check shows hidden #behaviors as a significant #risk management tool to prevent risks (before #hiring), plus residual risks (after hiring)(ACFE).
Dec 26, 2022 Which company in 2002-2003 manipulated earnings to meet performance targets by recording $381 Million in sales of locomotives? Answer See post 4.26.22
Dec 23, 2022 CFE's can provide #medical and #dental practices with preliminary quantifications, description of the thefts and a chronological narrative documents.
Dec 22, 2022 Practices who want to avoid bad publicity consider employees offers to make restitution(ACFE)
Dec 21, 2022 Revenues recorded prematurely indicates that a #contract doesn't exist, but a verbal agreement does.
Dec 20, 2022 RED FLAG: Timing differences occur when recording revenues in improper periods.
Dec 19, 2022 RED FLAG: Recurring negative #cash flows from operations while simultaneously reporting #earnings.
Dec 16, 2022 Fictitious revenues include rapid #growth or unusual profits
Dec 15, 2022 #Financial statement schemes include fictitious revenues, timing differences, improper asset valuations, concealed liabilities and expenses, and improper disclosures.
Dec 14, 2022 #Financial statement fraud: Understating liabilities and expenses are shown through exclusion of costs or obligations, painting a picture of a stable financial situation.
Dec 13, 2022 #CEO named in 72% of 347 fraud company's; #CFO named in 65% and considered together 89% of cases. (Source: Committee of Sponsoring Organizations)
Dec 12, 2022 26% of fraud firms vs 12% of no-fraud firms changed auditors between the period of issuing clean financial statements and issuing the last set of #financial statements.
Dec 9, 2022 Financial statement fraud schemes take the form of overstated assets or revenue and understated liabilities.
Dec 8, 2022 Financial statement and accounting fraud cases are the single largest category of #SEC actions filed. (Source: Committee of Sponsoring Organization 1998-2007)
Dec 7, 2022 #Inventory must be valued at its acquisition cost, EXCEPT when the cost is higher than the net realizable value# Net Realizable Value Formula = Market Value of the Asset – Cost Related to the Sale or Disposition of the Asset(https://t.co/dVrfBN57eP)
Dec 6, 2022 #KYC know your customer questions: Fraud potential could be eliminated if employees knew how to verify info.
Dec 5, 2022 #Insider fraudsters could be a #bank teller who agrees to cash certain items as long as they look reasonable and are below the cashing limit.
Dec 2, 2022 Fraudulent sale scams involve acquiring real estate by filing a false deed on real estate documents that appears legal. https://t.co/umP81jytli
Dec 1, 2022 Excessive #write-offs are a concealment for phantom loans and embezzlement.
Nov 30, 2022 The #FBI has warned against paying a ransom because thieves often leave the data encrypted.
Nov 29, 2022 Pressures like these can lead to fraud: https://t.co/zrmJ0moMQC
Nov 29, 2022 Builder bailouts may use hidden seller financing and inflated #property values to get rid of the properties.
Nov 28, 2022 #TIP: Employers need to seek #alternative approaches to reducing costs versus layoffs: lend employees to other companies and offer voluntary reduction in paid leaves.
Nov 28, 2022 Does remote preservation replace on site preservation? https://t.co/oFsR0DWYiR
Nov 25, 2022 #Mortgage fraud schemes involve #tax docs, bank statements, title commitments and leases that are falsified, altered or forged.
Nov 24, 2022 RED FLAG MORTGAGES: borrower buys #investment property but does not own their current residence or has a non-purchasing spouse.
Nov 23, 2022 #Management can deter fraud by regularly checking in with employees, holding #virtual meetings and watching for email downloads.
Nov 22, 2022 Working from home increases the opportunity for fraud because of the lack of #monitoring.
Nov 21, 2022 Effective controls include #anti-fraud education and training, hotlines, continuous management review, separation of duties, proper safeguards over assets and records and surprise audits. (ACFE)
Nov 18, 2022 RED FLAG IN MORTGAGES: another item other than #cash is used for the down payment (property, rent credit, or repayment of a loan).
Nov 17, 2022 TRUE: Many accountants, politicians and government employees were involved in the theft of #agricultural funds.
Nov 16, 2022 True or False: From yesterday's article on the Italian mafia, prosecutors claim that mob clans and associates targeted 55 billion euros in #farm #subsidies.
Nov 15, 2022 "Italian mafia trial could expose underbelly of massive #EU fraud."
(https://t.co/hFSQcJLVCq) TRUE: The #Small Business Association was able to approve more loans by dropping many of the safeguards put in place to prevent fraud.
Nov 11, 2022 True or False? The small business administration #SBA moved more loans in 14 days than it had in 14 years.
Nov 10, 2022 #Budget Tip: Excel spreadsheets adapt to your personal budget data complete with analysis, tables and graphs to show spending habits.
Nov 9, 2022 #Loan falsification is making false representations with the intent to deceive.
Nov 8, 2022 When a loan isn't properly underwritten, it can indicate the loan was made to a related party to hasten a #sale.
Nov 7, 2022 A lack of change orders on a LARGE #construction project is abnormal and may suggest a lack of progress.
Nov 4, 2022 Amending a change order to building #construction projects after signing a contract can be indicative of collusive bidding. An abusive situation involves collusion between the contractor and personnel from the procuring entity.
Nov 3, 2022 #BUDGET TIP: Over the course of 1-3 months, note your spending habits to see where you can cut back. Rethink how better to save and invest that money.
Nov 2, 2022 Use #external or thumb #drives to store personal info, pictures, documents, emails and favorites. If you accidentally download a virus or worm, your data is protected on the external drive.
Nov 1, 2022 Budget #TIP: Organize receipts of your purchases, sorting them in labeled envelops, then document them in a #spreadsheet or notebook.
Oct 31, 2022 Suggested #Reading: Dave Ramsey's Complete Guide to Money
Oct 28, 2022 #TIP: Keep sensitive identifying info in a safety deposit box and reconcile your accounts each month for discrepancies.
#DIVORCE TIP: Understand how to balance your checkbook, keep records of your bank and credit card statements, & the balances and credit limits. Do not allow your spouse to open accounts without your knowledge, and especially be aware of this during separation and divorce.
Oct 26, 2022 Distributed AI Research Institute (#DAIR) run by Timnit Gebru, is an independent group focusing on how to make artificial intelligence work for everyone(#TIMEmagazine)
Oct 25, 2022 Unregulated uses of #Artificial Intelligence like #Siri or Alexa cause real-world harm resulting in false arrests, healthcare discrimination, a rise in pervasive surveillance that disproportionately affect blacks and disadvantaged social economic groups (TIME Magazine)
Oct 24, 2022 Suggested #Reading: "Collaborating with the Enemy"
Oct 21, 2022 Suggested #Reading: "The Definitive Book of Body Language."
Oct 20, 2022 Suggested #Reading: "The 10 Best Mental Toughness Exercises."
Oct 19, 2022 Suggested #Reading: "Managing Conflict."
Oct 18, 2022 Suggested #Reading: "Access Denied: For Reasons of National Security."
Oct 17, 2022 Have you looked at your bank #statements lately? How often do you see a $1,000s transferred into or out of your account?
Oct 14, 2022 Do banking #algorithms or people detect #money laundering schemes? A little of both, once a pattern is discovered in daily transactions.
Oct 13, 2022 Suggested #Reading: "Anger: Taming a Powerful Emotion."
Oct 12, 2022 #Financial services fraud is more costly than #asset misappropriation and corruption schemes.
Oct 11, 2022 CASE: #Vendors rounded total payments (ex$5,000, $10,000) - a red flag for nefarious billing patterns.
Oct 10, 2022 RED FLAG: Overstating a company's #A/R by failing to record bad debt expense (uncollectable accounts receivables).
Oct 7, 2022 In the ACFE's 2018 #Report to the Nations, financial service fraud comprised 10% of frauds reported with a median loss of $800,000.
Oct 6, 2022 #New account #Bank scheme: RED FLAG: requesting both immediate cash withdrawal upon deposit and a large quantity of temporary checks, and missing application info.
Oct 5, 2022 A #builder bailout scheme occurs when there is a need to sell off stagnant inventory quickly to pay off debts.
Oct 4, 2022 Vendor vetting includes verifying #FEIN against IRS databases, ID vendor's owners and determine if they are on a #sanctions list required by the Office of Inspector General (OIG) of the #Department of Health and Human Services. Check to see if officers have criminal backgrounds.
Oct 3, 2022 #Investment scam: An air loan is a loan for a non-existent piece of #property Documentation is falsified and goes into payment default. No actual property is foreclosed on causing enormous loss.
Sep 30, 2022 As of 2022, Wirecard and #Luckin reflect lack of proper oversight, comprehensive fraud risk assessments, basic internal controls and a zero-tolerance tone coming from the top.
Sep 29, 2022 Vendor #vetting identifies and mitigates top asset misappropriation risks that organizations face(ACFE)
Sep 28, 2022 Companies should identify specific risks and implement controls into their fraud #risk assessments(Source: Vincent Walden, CFE, CPA)
Sep 28, 2022 The lady that was beaten by the guy out on parole- needs to ensure there isn’t brain damage. If there is, some type of restitution needs to be implemented.
Sep 27, 2022 To safeguard integrity, more must be done to protect and promote security and combat criminal activity on #digital exchanges and platforms.
Sep 26, 2022 Fraudsters use #crypto to hide and promote financial activities akin to unlawful conduct.
Sep 23, 2022 Criminals use #cryptocurrency to facilitate child exploitation, #terrorist funding, illegal drugs, #firearms, tools to commit cybercrimes and sophisticated ransomware and blackmail schemes.
Sep 22, 2022 Without appropriate public #policy safeguards and oversight, these innovations and tech advancements can facilitate great human suffering." (ACFE)
Sep 21, 2022 Public #policy establishes conditions that help innovation thrive or create an environment where it is suppressed; public policy can play a critical mediating role. (ACFE)
Sep 20, 2022 The general populace's lack of knowledge about the technology opens #opportunities for fraudsters(https://t.co/0EsRA5CLyR)
Sep 19, 2022 Crypto is now worth more than all US currency in circulation(https://t.co/LkkTg1Taip)
Sep 16, 2022 What happens to stocks and cryptocurrencies when the Fed stops raining money? (https://t.co/hNDLTxeWKA)
Sep 15, 2022 "Few technologies are more potentially transformative and disruptive - and more susceptible to abuse than #cryptocurrency." (USDOJ Cryptocurrency Enforcement Network)
Sep 14, 2022 Suggested #Reading: "The Four Agreements by Don Miguel."
Sep 13, 2022 Suggested #Reading: "What Every Body is Saying."
Sep 12, 2022 Suggested #Reading: "The Gift of Fear."
Sep 9, 2022 #Anti-corruption agencies in Africa have seen an exponential growth(ACFE)
Sep 8, 2022 CASE STUDY: Survey respondents expect 47% increase in financial statement fraud and 50% increase in embezzlement, bribery and corruption.
Sep 7, 2022 CASE: Survey respondents see 70% uptick in #identity crime, unemployment and payment fraud(ACFE)
Sep 6, 2022 Businesses who change to #remote work and consumers who shift to buying online following post-pandemic landscape create significant fraud risk.
Sep 5, 2022 World Justice Project (2020) says that speed in procurement doesn't need to come at the expense of #accountability.
Sep 2, 2022 To ensure integrity in obtaining #Covid supplies through legal processes, enforce basic documentation, record-keeping and develop detailed guidelines under crisis.
Sep 1, 2022 #SCAM: Emails to #senior citizens regarding products you didn't order through #PayPal.
Aug 31, 2022 Ongoing #Pandemic scams: People of wealth or power gaining priority access to vaccines. Aug 30, 2022 #Pandemic scams: frauds in vaccine distribution, stealing of influenza medications, fake vaccines sold and administered.
Aug 29, 2022 Suggested #Reading: "Powerful Phrases for Dealing with Difficult People" by Renee Evenson.
Aug 26, 2022 If a scammer has control of your #cell phone, contact your security provider to take back control of your phone number and change your account passwords.
Aug 25, 2022 #Remote Access and #Sharing: If a fraudster has remote access to your computer, update your #computer's security software, run a scan and delete anything that is an issue. Turn off printer and computer sharing.
Aug 24, 2022 Create difficult user #passwords and change them every 3 months (a mix of numbers, symbols, upper and lowercase letters) Do not leave them by or near a #computer - that is the first place a fraudster would look.
Aug 23, 2022 Did you give a fraudster your #Social Security Number? Go to https://t.co/Y6Q7SPjOAp to find out your next steps.
Aug 22, 2022 If you sent money via #USPS, contact the US Postal Inspection @ 1-877-876-2455 and ask them to intercept the package.
Aug 19, 2022 CASE: Hacker breaks into business computer. CFE traces #hacker to find three separate individuals: working as an #IT intern at a web design company in CA, a work at home IT in TN and a #high school teenager in GA.
Aug 18, 2022 #Paid a scammer? #Report the fraudulent transaction to the issuing organization and ask to reverse the transaction or for a refund.
Aug 17, 2022 #Recovery scammers claim to offer help by restoring your money after you have been scammed. The method is designed to gain your #trust and money.
Aug 16, 2022 #Research organizations or government agencies with words like, "complaint", "scam", "review", "investigation", "court", "arrest", or "charges."
Aug 15, 2022 Verify credible charities with current financial information on #Charity Navigatorhttps://t.co/K51gk37Uem
Aug 12, 2022 Scammers will tell you to #pay by gift card, crypto or wire transfer through companies like Western Union or Moneygram(ACFE)
Aug 11, 2022 #CASE: Scammer buys account information on the #dark web and swindles money out of the victim. Scammer calls again to claim they will get the victims money back, for a fee.
Aug 10, 2022 To verify legitimacy, check with your state department of #public health or #lotto authority to confirm the winner of a lottery.
Aug 9, 2022 Never pay to receive money in a contest, #sweepstakes or #lotto.
Aug 8, 2022 #Seniors: Be alert to scammers asking for your bank account and social security numbers or for you to confirm those numbers.
Aug 5, 2022 According to #Identity #Theft Resource Center, scammers are impersonating officials telling victims they are winners of a state lottery.
Aug 4, 2022 #COVID SCAM: Fake vaccine certificates for night club and travel destinations.
Aug 3, 2022 #COVID SCAM: There are no lemon and #ginger COVID remedies
Aug 2, 2022 #Major banks are investing in artificial intelligence to revolutionize the #Anti-Money Laundering space.
Aug 1, 2022 #Cybersecurity professionals can help prevent: #Cyber fraudsters go to the dark web to obtain certain accounts and obtain passwords to share information.
Jul 29, 2022 #Cybersecurity experts mine fraud activity within databases pulled for analysis to help mitigate fraud.
Jul 28, 2022 #Cybercrime investigators are an essential part of a financial fraud #investigation.
Jul 27, 2022 #Small Business Alerts: Business owners need to recognize that with each innovative way that customers interact with their business, another #cyberfraud scheme is born.
Jul 26, 2022 #Partner with #Federal and #State agencies: To combat the resurgence of #cyberfraud during the pandemic, CFE's capitalize on the Pandemic Response Accountability Committee (created by CARES) to overlay investigation information(ACFE)
Jul 25, 2022 #Fraud awareness #training: Includes coverage of ethics, identity theft, red flags and current fraud scenarios. Industry speakers can address schemes their company has uncovered.
Jul 22, 2022 #Fraud #Awareness Training: Homeowners' associations, little leagues and churches do not receive fraud awareness training.
Jul 21, 2022 #Board of Directors need to know what questions to ask and not to rely on one person for financials.
Jul 20, 2022 The role least likely to receive fraud awareness training is a member of the #Board of Directors.
Jul 19, 2022 #Sou-sous or gifting circles are illegal #pyramid schemes targeting Facebook users as an "opportunity to invest."
Jul 18, 2022 The new fraudsters aren't good at creating code and hacking, however, if they understand how people interact on the net, then they understand the future of #cybercrime(ACFE)
Jul 15, 2022 The cost of a breach affects a company's downtime, IT, brand integrity, and loss of trust from consumers and partners(ACFE)
Jul 14, 2022 $11 million paid to most specialized and sophisticated #cybercriminal groups in the world(ACFE)
Jul 13, 2022 #Cyberfraud has become highly lucrative especially for multinational firms AKA "big game hunting." (ACFE)
Jul 12, 2022 Prize and lottery #scams will claim you won a prize. To claim, you must pay all taxes, registration and shipping fees to find out there is no #prize.
Jul 11, 2022 Legitimate lenders will not guarantee loans or #credit cards especially with people with poor credit.
Jul 8, 2022 #Consumer Scam: Free trial scams appear legitimate until you receive a bill at the end of the month.
Jul 7, 2022 #Service Contract Scam: Extended car warranties are overpriced and worthless service contracts.
Jul 6, 2022 #Charity Scams: Charity scams can involve a person asking for funds from illegitimate companies or federal agencies.
Jul 5, 2022 #Fees to start #Scams Business and #investment scams begin with a fee to start your own business or guarantee big profits.
Jul 4, 2022 #Consumer #Scams: Debt relief and credit repair scams offer incentives for a fee, causing loss of money and ruining credit.
Jul 1, 2022 #Romance Scams: Imposter scams include impersonating the government such as the #IRS, Social Security Administration, a love interest or even a relative.
Jun 30, 2022 SCAM: #Federal Trade Commission doesn't send #Covid-19 relief funds to individuals and instead, must be reported to local #media.
Jun 29, 2022 #Forensic data #analytics collect payment, bank transfer, reimbursements and procurement records.
Jun 28, 2022 #SCAM Alert: Area code 833 is the new way to steal personal identifying information. Do not answer the #phone.
Jun 27, 2022 Company's need to re-evaluate an organizations fraud #risk management program as fraud will increase over the next year.
Jun 24, 2022 When consumers are interested in a #new #product but know little, fraudsters will jump on the opportunity to commit fraud.
Jun 23, 2022 Organizations underestimate liabilities and are held responsible for #corrupt practices of a target organization if they FAIL to carry out proper due diligence in the acquisition phase.
Jun 22, 2022 #Bribery and #Corruption: Potential impact of hidden bribery is high - compliance costs, reputational damage and loss of future business.
Jun 21, 2022 In a recent scheme, subsidiaries of an acquired company bribed #doctors in Asia to promote products to patients in exchange for cash and other incentives(ACFE)
Jun 20, 2022 CASE: A recent due diligence review of a #vendor indicated evidence of illicit activities that were reported to the #SEC.
Jun 17, 2022 #Religious Institution Alert: Checks and balances ensure adequate controls are in place to curb #toxic leaders. Look for churches who see significant member numbers decline (100s-1,000s).
June 16, 2022 Defamation, economic extortion and harassment charges could be brought against #toxic leadership in #churches for disclosing sensitive and confidential psychological information.
June 15, 2022 #Weather related #utility scams create opportunities for fraudsters to call victims offering help through reimbursement or threaten not to restore service unless payment is received(ACFE)
Jun 14, 2022 #Toxic leaders/people devote extraordinary amounts of time managing their reputations. Which leader planned on divorcing his wife 8 years before it was announced to his country?
Jun 13, 2022 #Church hiring: Top performers consistently underestimate how much better they are than peers. #Toxic leaders will call credibility and reputation into question especially with Certified Fraud Examiners (CFE)(ACFE)
Jun 10, 2022 #Hiring #HR The most competent #leaders exhibit much self-criticism and self-doubt relative to their expertise.
Jun 9, 2022 #Toxic leaders target CFE's who take pride in developing and demonstrating the highest level of ethics and professionalism.
Jun 8, 2022 #Toxic leadership: Have no empathy, a single focus with no recognition to another person's feelings.
Jun 7, 2022 #Toxic leaders will exploit, then abandon pawns and patrons once their resources are used, then turn them into patsies.
Jun 6, 2022 Pawns have assets that #toxic leaders want to exploit: #Technical ability, access to sensitive information or access to resources, i.e., #people, assets, money.
Jun 3, 2022 #Toxic leaders manipulate patrons in a position of power by cultivating positive impressions(ACFE)
Jun 2, 2022 It is easy to confuse psychopathically motivated behavior with genuine #leadership(ACFE)
Jun 1, 2022 3.5% of high potential executives fit the profile of a psychopath(ACFE)
May 31, 2022 Overconfident leaders may be #incompetent and place significant risk through their decisions, actions and behaviors(ACFE) May 30, 2022 Scammers groom victims on how to hide their activity from family members, and how to lie to #banks about large withdrawals of less than 10k.
May 27, 2022 In the #news: Racketeering charges against 8 for a grandparent #scam conning seniors out of a combined $2 Million(ACFE)
May 26, 2022 Suggested #Reading: "Good Leaders Ask Great Questions" by John C. Maxwell.
May 25, 2022 Suggested #Reading: "The Courage to be Disliked" by Ichiro Kishimi and Fumitake Koga.
May 24, 2022 Suggested #Reading: "Collaborating with the Enemy" by Adam Kahane.
May 23, 2022 Suggested #Reading: "Becoming Bulletproof" by Evy Poumpouras.
May 20, 2022 Suggested #Reading: "Outsmart the Sociopath Next Door" by Martha Stout, PhD.
May 19, 2022 To research an identity theft and cyber-related issue or scam, contact Robert Haltfreter, PhD, CFE doctorhoo7@gmail.com
May 18, 2022 Suggested #Reading: "The 5 Types of People Who Can Ruin Your Life" by Bill Eddy LCSW, Esq.
May 17, 2022 #Monitoring company activities through video #surveillance software keeps a continuous record of all activity on the computer, register and secured areas.
May 16, 2022 Secure #email systems provide #encryption to and from your contacts: https://t.co/4vEXi6HENg
May 14, 2022 TROUBLE: #Dogs who "appear" abandoned by the side of the road/busy highway and who are in the "same spot, "never moving," "day after day," for "a week," without getting hit by a car requires a call to Animal Control.
May 13, 2022 #Greensboro, NC #ALERT: $17 power amplifier used to break into cars with remote keyless system. Keep your keys in a freezer or Faraday Cage to protect from high-tech thieves(https://t.co/tKwig3vFbl)
May 12, 2022 #Doctor practices have opportunities to discuss settlements during pre-trial procedures or pleas bargains depending on what the employee is charged with - a felony or misdemeanor.
May 11, 2022 #GRANDMA #SCAMS: Rising number of calls with people texting, calling or showing up at your door saying they are your grandson and need money. Call 911 ASAP.
May 10, 2022 #SCAM: Phone call indicating you missed a jury summons and sending a sheriff's car to take you to jail unless you pay now.
May 9, 2022 #Greensboro, #NC PINE NEEDLE SCAM: $4.25/bale for 20 bales quoted price before the job. Final price, $3,200 for 753 bales. Get copy of job with number of bales YOU agree to and the final price. Get it in writing.
May 6, 2022 There is a greater need to install fraud #protocols and company #prevention programs.
May 5, 2022 #IT system and #forensic data analytics experts use the risk profile information to identify and conduct the most relevant due diligence search.
May 4, 2022 Joseph Palmer, CFE, CPA and CEO of Palmar #Forensics provides due diligence on your vendors.
May 3, 2022 CASE: Vendor background check found evidence of supporting #terrorist organizations.
May 2, 2022 CASE: #Fraudster intercepted both the calls for stolen account information and the mail to collect the statements and bills. Bright side: Fraudster paid the accounts on time?
Apr 29, 2022 A lack of #Internal controls did not catch the manipulated numbers in the patient collection data bank that produced the reports given to the #CPA.
Apr 28, 2022 Employees with multiple responsibilities are at risk for fraud, however, #Separation of duties and #supervisor authorization prevents opportunities for stealing.
Apr 27, 2022 #Ban-the-Box ordinance requires employers to remove criminal history questions from employment applications(ACFE)
Apr 26, 2022 #Background investigations look into a person lifestyle, who their friends are, where they frequent and can search up to the last 10 years.
Apr 25, 2022 #Background Checks TIP: Three areas to investigate in due diligence: 1Criminal and #civil litigation 2#Credit history 3Employment and #Education history
Apr 22, 2022 TIP: Post-fraud discovery #investigations are costly, and the effects can be destructive to organizations.
Apr 21, 2022 A proper #background check can show hidden behaviors as a significant tool to prevent risks (before hiring) plus residual risks (after hiring).
Apr 20, 2022 #Medical #Dental #Security #Retail #Nonprofit firms fail to prosecute employees and instead need to report them to law enforcement.
Apr 19, 2022 Certified Fraud Examiners can provide #Medical and #Dental practices with preliminary quantifications, description of the thefts, chronological narratives and supporting documents.
Apr 18, 2022 #Medical practice insurance coverage is typically insufficient to cover losses incurred by fraudulent employees.
Apr 15, 2022 #Doctor practices ALERT: Once a practice has discovered a fraud, one of the protocols is to contact the insurance company, the police, then file a nature of claim.
Apr 14, 2022 TIP: Practices who want to avoid bad publicity consider employees offers to make restitution.
Apr 13, 2022 #Dental and #Medial Fraud CASE: Dental Employee collected customer's credit card info, swiped their own credit card on legitimate office swipers to obtain refunds and pay fictitious employees.
Apr 12, 2022 CASE: A NEW front desk clerk in a dental practice noticed that none of the cash collected was part of the daily deposit until she caught the office manager stealing (skimming) the cash. The scheme had been going on for 7 years and approximately $250k was stolen.
Apr 11, 2022 #Embezzlement CASE: Employee who stayed after hours without supervisor authorization, altered the patient billing accounts, then paid themselves overtime.
Apr 8, 2022 #Occupation Fraud CASE: Employees at a #dental and #medical practice misuse (personal use, steal, borrow) inventory, assets, currency, company checks and trade secrets(ACFE)
Apr 7, 2022 #Medical and #dental practices are sitting ducks for employee embezzlement and theft due to busy offices, trusting work cultures and complex accounting programs(ACFE)
Apr 6, 2022 #Medical and #Dental Fraud Alerts Case: A survey of 945 medical practice staff, 83% were affiliated with a practice that had an employee theft(ACFE)
Apr 5, 2022 #Fraud in #Medical and #Dental practices: CASE: Billing software acts as an audit trail, a keystroke logger and a time clock. After hours alteration crime sprees can be identified.
Apr 4, 2022 Article: "Select Reputable #Tax Preparers" (https://t.co/OcM9QlIMs3)
Apr 1, 2022 #Fraud in #Medical and #Dental practices CASE: Employee secretly applied for a credit card in a doctor's name to use illegally purchased items.
Mar 31, 2022 A technological application that can enhance and accelerate due diligence, is called #data analytics. It uncovers liabilities and risks.
Mar 2, 2022 #Dental TIP: Keep security camera system on after hours especially during the holiday season or if the office is closed.
Mar 1, 2022 PERSONNEL RED FLAGS: in #construction lending, a #real estate developer is experiencing a higher-than-normal employee turnover; a sign of internal operation problems.
Feb 28, 2022 The most effective method for detecting embezzlement is searching receipts and deposit slips.
Feb 25, 2022 Receivable's that are long past due are prime targets for fraud.
Feb 24, 2022 There is a greater need to install fraud protocols and company prevention programs.
Feb 24, 2022 Skimming or intercepting incoming payments before they are entered into the books is illegal.
Feb 23, 2022 RED FLAG: dormant or inactive accounts that show little to no activity are highly susceptible to embezzlement.
Feb 22, 2022 RED FLAG: an officer sets up the company's bank account to pay his/her personal bills.
Feb 21, 2022 RED FLAG: making a false or unauthorized transfer from the operating account to a personal account.
Feb 18, 2022 In false accounting entry schemes employees debit the general ledger to credit their own accounts(source: ACFE)
Feb 17, 2022 Embezzlement is the wrongful taking of property of another.
Feb 16, 2022 Financial institutions include banks, savings and loans, and credit unions; financial institution fraud is known by "bank fraud."
Feb 15, 2022 How long does a susu last? About 3 months as it allows people to save at a higher interest rate(Source: Business Insider)
Feb 14, 2022 What is a sou-sou? A person needs money to start a business, finds cash in their budget, forms a group, chooses a cash collector and decides on a reasonable contribution(source: Pennyhoarder)
Feb 11, 2022 3/4 of Caribbean immigrants in NY participated in illegal susu's during the 80s(source: Wikipedia)
Feb 10, 2022 Sou-Sou schemes have over 200 names that vary from country to country. Family and friends contribute to the funds each week(source: Wikipedia)
Feb 9, 2022 Sou-Sou or Susu scams are gifting circles that have surfaced during the 2020 pandemic, targeting African Americans (source:Wikipedia)
Feb 8, 2022 Layers of financial transactions are designed to confuse the audit trail in a money laundering scheme.
Feb 7, 2022 Money laundering schemes are typically detected at the placement stage; not a safe place as the criminal and illicit funds are in the same place at the same time.
Feb 4, 2022 Illegal structuring is breaking up illicit money into smaller amounts (less than 10k) and depositing it into the bank.
Feb 3, 2022 Structuring is a stage in the money laundering process by which money is deposited or transferred using methods designed to avoid regulatory reporting requirements.
Feb 2, 2022 United Nations estimates the aggregate level of money laundering is between 2-5% of worlds gross domestic product or trillions of dollars(source: ACFE)
Feb 1, 2022 OPERATIONAL RED FLAG: money laundering is the disguising of property gained from criminal activity causing it to appear as if coming from a legit source.
Jan 31, 2022 Alcohol sales are prohibited in Saudi Arabia(source: Expatica)
Jan 28, 2022 Illegal pyramid schemes obtain a buyer, then promises to give a payment for each recipient they recruit. Revenue is generated by recruiting new members.
Jan 27, 2022 Ponzi schemes extract money from victims and fall under securities laws and regulations; they are investment contracts.
Jan 26, 2022 Securities fraud: a false statement in connection with a sale of security with the intent to defraud, the victim relied on the omission and suffered an economic loss.
Jan 25, 2022 In securities fraud, deceptive practices are used in the purchase or sale of securities.
Jan 24, 2022 Bankruptcy fraud can include concealment of property, giving false oath or account, false declarations and claims, destruction or alteration of documents.
Jan 21, 2022 Bankruptcy insolvency fraud includes embezzlement against the estate, adverse interest and conduct of officers(source: ACFE)
Jan 20, 2022 Collusion between countries and organized crime still exist in the world today.
Jan 19, 2022 Companies are required to follow particular accounting rules and procedures; when they fail to do so it becomes a legal issue.
Jan 18, 2022 It is a violation of labor laws when employers intimidate or force workers to work unpaid overtime.
Jan 17, 2022 Racketeering activity includes gambling, murder, extortion, arson, robbery, counterfeiting, theft, embezzlement, slavery and money laundering.
Jan 14, 2022 Selling prohibited goods and services may be legal in some jurisdictions but not in another.
Jan 13, 2022 Money mules illegally transfer money on behalf of someone else. They can add layers in the placement process of money laundering.
Jan 12, 2022 Types of organized crime include drug trafficking, extortion, migrant smuggling, human trafficking, extortion, & illegal gambling(source: FBI)
Jan 11, 2022 Shell companies are created to protect assets especially when working in a country known for terrorist activities.
Jan 10, 2022 Tax havens move jobs and profits off-shore or are outsourced for tax breaks. A domestic company can set up a shell company internationally(source: Investopedia)
Jan 7, 2022 When used illegally, shell companies are used to launder money, disguise ownership, evade taxes or international sanctions.
Jan 6, 2022 Legit shell companies are used to obtain loan agreements or used as an affiliation with a larger company.
Jan 5, 2022 Illegit shell companies claim to offer a product, but most likely a service that requires payment in cash.
Jan 4, 2022 Illegal shell companies can have and own investments, they may only have a PO Box and not mention an owners name.
Jan 3, 2022 Shell companies can be legal or illegal. The illegal shell exists only on paper and does not have a legit physical office space or employees.
Dec 31, 2021 Unbundling: when a provider charges a patient for items (goods or services) separately rather than as part of a package. Bundling decreases cost; unbundling increases cost.
Dec 30, 2021 RED FLAG: a medical practice has a low proportion of licensed staff per patients treated.
Dec 29, 2021 Churning is when agents falsely tell customers they can buy additional insurance for no cost using equity in their current policies. The new policy exceeds the value of the old one.
Dec 28, 2021 Twisting is a high pressure sales technique used to replace an existing insurance policy for a new one. Typically used to generate commissions.
Dec 27, 2021 In insurance fraud, an agent can change the beneficiary on record to a fake person and submit unnecessary papers to authorize the issuance of payment.
Dec 24, 2021 In insurance fraud, an agent collects the premium but doesn't remit the payment to the company. The insured unknowingly has no coverage.
Dec 23, 2021 Fraud in psychiatric hospitals occur when providers extend the length of treatment or delay discharging a patient because additional healthcare benefits remain.
Dec 22, 2021 Rent-a-patient schemes involve paying people to undergo unnecessary medical procedures that are then billed to the patients insurer.
Dec 21, 2021 RED FLAG: an uncredentialled provider (not an MD) is submitting bills that add up to suspicious or impossible hours.
Dec 20, 2021 Clinical lab schemes occur when a provider advises a patient that more testing is required when it isn't advisable. In some cases, the drs own the testing service.
Dec 17, 2021 Patients are reluctant to accuse doctors of wrongdoing because they rely on their services.
Dec 16, 2021 Provider fraud practices by healthcare suppliers cause unnecessary costs through reimbursement or excessive services.
Dec 15, 2021 RED FLAG: failure to disclose documents on discounts, rebates, etc.
Dec 14, 2021 RED FLAG: contractor provides inadequate documentation to support cost proposals or is late providing aforementioned.
Dec 13, 2021 RED FLAG: in contracts, there is a pattern of the last party to bid wins the contract.
Dec 10, 2021 RED FLAG: Evidence of collusion in bids by making some mathematical or spelling errors, prepared using same type face, handwriting or stationery.
Dec 9, 2021 RED FLAG: Collusion among contractors in industries with limited competition, the same contractors bid on each project, the winning bid appears too high and the qualified contractors don't submit bids.
Dec 8, 2021 RED FLAG: offers that sound too good to be true, promise of low risk and high reward, history of consistent returns, high pressure sales tactics and pressure to reinvest.
Dec 7, 2021 RED FLAG: an independent sales rep or consultant that does not have reporting and internal control requirements in place to prevent fraud.
Dec 6, 2021 RED FLAG: provides multiple address or incomplete addresses, and has a reputation for corruption.
Dec 3, 2021 RED FLAG: individual displays a reputation for dishonesty, has past criminal or civil actions against a 3rd party.
Dec 2, 2021 RED FLAG: individual claims to have special influence with a specific buyer, charges high commission, receives or pays fees in cash only.
Dec 1, 2021 RED FLAG: the same contractor consistently receives contracts, provides poor quality products or services, charges unjustified high prices for common goods and services.
Nov 30, 2021 RED FLAG: poor record keeping, poorly defined roles and responsibilities, lack of transparency in expense and accounting records.
Nov 29, 2021 RED FLAG: directing subordinates to bed, break or ignore protocols to benefit the payer.
Nov 26, 2021 RED FLAG: High success rate in market where competitors are known to bribe, reputation for accepting inappropriate gifts, extravagant lifestyle.
Nov 25, 2021 RED FLAG: altered or dual endorsements of returned checks may indicate check tampering.
Nov 24, 2021 Check tampering irregularities might indicate fraud when comparing the list of voided checks against physical copies of the checks.
Nov 23, 2021 Intimidation plays a large part in the commission and concealment of occupational fraud schemes.
Nov 22, 2021 RED FLAG: High level managers use their authority to override controls with absent or inattentive owners.
Nov 19, 2021 RED FLAG: Register employees who are given the authority to void their own transactions in which they aren't properly documented or approved of by a supervisor.
Nov 18, 2021 RED FLAG: Vague and misleading communication, follow-through and support of entity's values or ethical standards.
Oct 6, 2021 Financial difficulties surface when overspending leads to poor investments, upside down mortgages, unexpected expenses, job loss, too much debt and lack of income.
Oct 5, 2021 BEHAVIORAL red flag: Ex. Outrageous spending of $10,000 or more per day on one purchase. Buying entertainment, luxury vacations, media, cruises & trips to spend cash quickly.
Oct 4, 2021 BEHAVIORAL red flag: Receptionist with limited income buying $400 purses, $350 shirts, $700 sunglasses.
Oct 1, 2021 BEHAVIORAL red flag: Living beyond their means. Struggling individual "suddenly" comes into millions/billions, not by profit, lottery or inheritance.
Sep 30, 2021 What are the 7 areas to look for red flags? Stay tuned, each month will cover one of those areas, beginning in October.
Sep 29, 2021 RFG helps protect business owners from fraud by creating preventative plans, analyzing current business practices and investigating allegations.
