Thames Valley Police Economic Crime Unit Why fraud Low risk with high Gain Easy to set up Difficult to investigate Typologies 62 recognised types of fraud the vast majority being Cyber ID: 782225
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Slide1
Fraud prevention – DS Ali Marman
Thames Valley Police Economic Crime Unit
Slide2Why fraud?
Low risk with high GainEasy to set up
Difficult to investigate
Slide3Typologies
62 recognised types of fraud / the vast majority being Cyber enabled Advance fee payments
Financial investments
Banking and credit
Telecoms
Pension liberation
Volume online and door to doorFailing to disclose Abuse of position
Slide4How are potential victims identified by the fraudsters?
Phishing - mail, both real and electronic – poorly worded to see how switched on they are
Cold calling – on the phone
(Courier fraud
) or at the door (trading standards)
On-line
– waiting in chat rooms (romance fraud)Out and about – mule farming (pubs and clubs)Sucker lists – leading to re-victimisation
Slide5The most important thing
Slide6SIGNS TO LOOK OUT
FOR
Do they receive unusually high quantities of mail?
Are they secretive about their mail, perhaps hiding it so they can open it on their own?
Are they in possession of cheap looking goods (free gifts)?
Are they receiving a lot of scam phone calls?
Do they live in clutter?Do they deny there is a problem with scams, despite evidence to the contrary? Are they reluctant to engage or provide next of kin information?
Do they visit the post office regularly and / or keep lots of stamps?
Slide7
Slide8Case Study A
Police were contacted by Social Services in respect of Mrs A. Her case worker had concerns about the fact that she was being financially exploited by her son
.
Mrs A was transferring large amounts into his account for a property investment. Financial analysis of the son’s bank account showed that he was spending the money on holidays and shopping trips.
This would never have come to the attention of the police with out a referral from a partner agency.
Slide9Case Study B
A family member disclosed that Mr B was transferring large amounts of cash overseas using Western Union.
It became apparent that Mr B had developed an on line relationship with a female in Africa . Mr B insisted that he had actually met up with this female and that they were in a physical relationship. Mr B was persuaded by the fraudsters to receive money from other victims and transfer it on to them. As a result of this his home is at risk as a result of civil action from a victim in Australia.
Slide10Case Study C
Mr L was cold called on his landline and the fraudsters claimed that they could recover money he had lost in previous investments. He was then persuaded to transfer in excess of £1 million over a 2 year period. When the bank refused to continue to make transfers Mr L went into the branch and withdrew cash which he then transferred on to the fraudsters.
He only accepted that he was a victim of fraud after being seen by police on 4 occasions.
Slide11Problems for the front line when dealing with victims…
They may not realise they are a victim of fraud They may be in denial
They may be embarrassed to admit it Social isolation
Other vulnerabilities
Capacity
This may be the only police contact
This may be the only contact
Slide12Problems with investigating…
Where do scams originate?
Mobile phone numbers / lane line numbers
Bank accounts
IP addresses
Company addresses
Emails Websites
Money transfer services
Slide13Prevention advice
Identify and deal with the enablers of crime and stop the offending
LANDLINE OR MOBILE TELEPHONE
– consider call blockers or a number change
POST
– speak to the postman / post woman / post re-direct to a trusted family member
COMPUTER USE / EMAILS
– change of email address / anti-virus software
DOORSTEP
– neighbour buddy system / security features / cameras
CAPACITY
- MASH / Social services / NHS / Family
14
Slide14What helps the Police
Tell us about it. Report to Action Fraud unless call for service criteria met.
Preserve any evidence.
Remember
that safeguarding the victim is the most important thing so this should be your priority let us worry about the investigation
Slide15Where the victim is believed to be vulnerable or at risk. A person may be vulnerable by reason of age and/or their circumstances. Who suffers from mental or physical disabilities, illness, or other such special feature which renders them either permanently or temporarily unable to care or protect themselves against harm or exploitation
Offences where offenders are arrested by Police
Where there is a call for service to Police and the offender is committing or has recently committed at the time of the call for service for all fraud types
Where there is an identified local suspect (see below).
Where evidence will be lost if a police response is delayed.
Call for Service Criteria
Slide16B
e very careful about personal information you reveal, including bank account details Choose, use and protect your passwords carefully
Always install the latest software updates and security, genuine companies will
never contact you to say that you have a virus and for a fee it can be fixed
Do not reply to or click on links within unsolicited emails
Do not send money to people you haven’t met / You can’t win a lottery which you have not entered
The Police will never ask you to withdraw or transfer money as part of an investigation
Do not send or upload any information or pictures which you wouldn’t want shared on social media
Basic advice to give
Slide17Any questions?
Detective Sergeant 6178 Ali Marman
Thames Valley Police Economic Crime Unit
01865 309090
07966 664950
Alistair.marman@thamesvalley.pnn.police.uk