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Electronic Information Sources For Fraud Investigators
- 1. Electronic Information Resources for Fraud Examiners Presented to the Spokane Chapter Association of Certified Fraud Examiners 2008 Annual Fraud Conference November 14, 2009 By Jim Cronin, CFE, MPA Seattle Insurance and Legal Investigations Jim Cronin, CFE Seattle Insurance and 1 Legal Investigations 11/15/2009 Objective: Provide attendees of all experience levels useful knowledge of public and proprietary information sources that will assist them in conducting fraud th i d ti f d investigations Jim Cronin, CFE Seattle Insurance and Legal Investigations Housekeeping • All handouts (and more) are on my SkyDrive • My business cards are available up front. • Send me an email!! • I will respond with link to the Skydrive • Call me with questions – I’m always happy to help. • If you see something interesting … Call or email me! Jim Cronin, CFE Seattle Insurance and Legal Investigations 1
- 2. Overview • Legal & Ethical • Uses of Considerations Information in • What Fraud information is Investigation available? • Sources of • Public vs. vs Information Proprietary • Search Sources Techniques • Investigative • Questions and Tools Discussion Jim Cronin, CFE Seattle Insurance and 4 Legal Investigations 11/15/2009 Legal & Ethical Considerations • FCRA • GLB • DPPA • Privacy Act • NCIC Information • Invasion of Privacy • Public Disclosure Laws • FOIA • State Laws Jim Cronin, CFE Seattle Insurance and 5 Legal Investigations 11/15/2009 Ethical Considerations • Professional Responsibilities as CFE’s • Advances in Law vs. Technology • Future Trends Jim Cronin, CFE Seattle Insurance and 6 Legal Investigations 11/15/2009 2
- 3. GLB Permissible Purposes Jim Cronin, CFE Seattle Insurance and Legal Investigations DPPA Permissible Purposes Jim Cronin, CFE Seattle Insurance and Legal Investigations Uses of Information in Fraud Investigations • Confirming Identities • Background • Alias identification Investigations • Locating People • Asset & Encumbrance Investigations • Address Histories • Expert Witness • Reveal Business Location & Evaluation Affiliations • Criminal Histories • Litigation Histories • Financial Profiles • Claims Histories Jim Cronin, CFE Seattle Insurance and 9 Legal Investigations 11/15/2009 3
- 4. Alias Identification If you’re not who you say you are, everything else is MOOT! Jim Cronin, CFE Seattle Insurance and 10 Legal Investigations 11/15/2009 Address Histories You need to know what addresses your subject has used in order to know where to look for records. Jim Cronin, CFE Seattle Insurance and 11 Legal Investigations 11/15/2009 Address Histories cont’d… • Remember….. Nobody lives in a Post Office Box! • Everybody has a physical location. • Most of us have physical addresses! Jim Cronin, CFE Seattle Insurance and 12 Legal Investigations 11/15/2009 4
- 5. Financial Profiles Jim Cronin, CFE Seattle Insurance and 13 Legal Investigations 11/15/2009 For Subrogation and Debt Recovery/ Judgment Enforcement Jim Cronin, CFE Seattle Insurance and 14 Legal Investigations 11/15/2009 Background Checks Jim Cronin, CFE Seattle Insurance and 15 Legal Investigations 11/15/2009 5
- 6. Criminal Histories may reveal: • Additional aliases • Relevant moral turpitude issues Jim Cronin, CFE Seattle Insurance and 16 Legal Investigations 11/15/2009 Witness Locates Jim Cronin, CFE Seattle Insurance and 17 Legal Investigations 11/15/2009 Medical Histories Jim Cronin, CFE Seattle Insurance and 18 Legal Investigations 11/15/2009 6
- 7. Pre-Existing Injuries? Pre- Jim Cronin, CFE Seattle Insurance and 19 Legal Investigations 11/15/2009 Litigation Histories Jim Cronin, CFE Seattle Insurance and 20 Legal Investigations 11/15/2009 Uses of Litigation Histories: • Confirm • Persons identities knowledgeable • Identify aliases of subject • Address • Prior injuries History • Many • Financial personal Profile injury suits are not found • Character & in the ISO credibility claims • Earnings database Potential • Assets Jim Cronin, CFE Seattle Insurance and 21 Legal Investigations 11/15/2009 7
- 8. Investigative Tools • Publications • Hardware • Software • W b Sites Web Sit Jim Cronin, CFE Seattle Insurance and 22 Legal Investigations 11/15/2009 BRBPUB.COM Jim Cronin, CFE Seattle Insurance and 23 Legal Investigations 11/15/2009 Adobe Acrobat Professional Jim Cronin, CFE Seattle Insurance and Legal Investigations 8
- 9. Adobe Acrobat Professional • Ability to scan large quantities of documents to a single file • Can print from any program to PDF file • Can combine multiple PDF’s to single file. • Automatic Bates Stamping • OCR large documents • Allows for text searching • Text highlighting, add note features • Redaction • Stamps Jim Cronin, CFE Seattle Insurance and 25 Legal Investigations 11/15/2009 Fujitsu ScanSnap • $475 • Includes Adobe Acrobat Standard Edition • B&W and Color • One or Two Sided Scanning • One Button Scanning • Scans to PDF Only • Automatic deskew • 15 pages per minute Jim Cronin, CFE Seattle Insurance and 26 Legal Investigations 11/15/2009 • Fast Labelwriter Dymo • Great for single labels • Autoformats text Jim Cronin, CFE Seattle Insurance and 27 Legal Investigations 11/15/2009 9
- 10. Complex Loss Analysis Jim Cronin, CFE Seattle Insurance and 28 Legal Investigations 11/15/2009 CaseMap • CaseSoft • Text Searching • Integrated Suite • Produces • Casemap reports • TimeMap • Multi-User Capable • Export to • Can handle TimeMap million page files • Links to individual • Sorting by documents date/source • Filtering Jim Cronin, CFE Seattle Insurance and 29 Legal Investigations 11/15/2009 CaseMap Facts Screen • Date & Time • Fact Text Jim Cronin, CFE Seattle Insurance and 30 Legal Investigations 11/15/2009 10
- 11. CaseMap Facts Screen Jim Cronin, CFE Seattle Insurance and 31 Legal Investigations 11/15/2009 Time Map • User friendly • Stand Alone or Export from CaseMap • Unlimited Number of Events • Customizeable Jim Cronin, CFE Seattle Insurance and 32 Legal Investigations 11/15/2009 Time Map • TimeLine Generator • Stand-Alone or integrated with CaseMap • Horizontal or Vertical Timelines • Specific Dates or Date Ranges • Great for spotting inconsistencies in testimony and document trails • Simple and intuitive Jim Cronin, CFE Seattle Insurance and 33 Legal Investigations 11/15/2009 11
- 12. Handout – Theft Timeline Jim Cronin, CFE Seattle Insurance and Legal Investigations ABC Flowcharter Jim Cronin, CFE Seattle Insurance and Legal Investigations Flow Charting • Shows relationships between: • People • Events • Places • Key Features: • Flexible • Graphic – Easy for Reader to Quickly Understand Complex Relationships Jim Cronin, CFE Seattle Insurance and 36 Legal Investigations 11/15/2009 12
- 13. Microsoft Streets & Trips Jim Cronin, CFE Seattle Insurance and 37 Legal Investigations 11/15/2009 Microsoft Streets & Trips Cont’d • GPS Compatible • Map out field work in office • Save to memory stick • Open file in vehicle • Prepare Route, using GPS • Use for billing travel time and distance • Predictible • Always in client favor • Verifiable • Great time & Stress Saver! Jim Cronin, CFE Seattle Insurance and 38 Legal Investigations 11/15/2009 Dictation Equipment • Differs from simple recorders • Ability to rewind, play, record with one hand • Allows capturing complex thoughts while they’re fresh in your mind • Great for Brainstorming • Requires Playback equipment/software Jim Cronin, CFE Seattle Insurance and 39 Legal Investigations 11/15/2009 13
- 14. Individual Information Form Jim Cronin, CFE Seattle Insurance and 40 Legal Investigations 11/15/2009 Leveraging Information • Every data source is a tool in our toolbox. • Leverage that information into additional informatiion • Accurint + Criminal Filing Database = Identity Confirmation Jim Cronin, CFE Seattle Insurance and 41 Legal Investigations 11/15/2009 Leveraging Information • Data searching is a lot like rock climbing. • Often cannot go directly from point “A” to “B” • Often necessary to move laterally first •Start with a “toehold” Jim Cronin, CFE Seattle Insurance and Legal Investigations 14
- 15. Planning the Investigation Consider the issues which need to be addressed, what information is already known, and the tools available to find needed info. Each “tool” in our toolbox is different. Know what tools are available, how to use them, and which ones to use when. Jim Cronin, CFE Seattle Insurance and 43 Legal Investigations 11/15/2009 “Logic Path” • What do I know about this case? • What do I suspect? • What issue(s) am I trying to resolve? • What information would help resolve the issue(s) in question? • Where can I get this information? Jim Cronin, CFE Seattle Insurance and 44 Legal Investigations 11/15/2009 Favorite Search Techniques • Leveraging Information • Cross-referencing • Outlining Cases • Timelines • Flow Charting • Shotgun Searches • Text String Searches in large PDF files Jim Cronin, CFE Seattle Insurance and 45 Legal Investigations 11/15/2009 15
- 16. “Shotgun Searching” • Methods: • By telephone • By mail • By Posted Sign • Characteristics: • Labor Intensive • Hit and Miss • Must be Focused • Can be very effective Jim Cronin, CFE Seattle Insurance and 46 Legal Investigations 11/15/2009 “Shotgun Searching” by telephone • Run searches by: • Name • Address Range • Other Limiters • Download results to Excel Spreadsheet in Accurint • Autoformat • Hide unneeded columns • Insert Column for annotating contact attempts made • Export to Word, insert in Report of Investigation Jim Cronin, CFE Seattle Insurance and 47 Legal Investigations 11/15/2009 Cross- Cross-Referencing • Cross-Referencing is the Key to Successful Fraud Investigation! • Tools: • Search Matrixes • Timelines • Spreadsheets •S Specialized Software i li d S ft • Text String Searches within large PDF documents Jim Cronin, CFE Seattle Insurance and 48 Legal Investigations 11/15/2009 16
- 17. Matrix Forms Jim Cronin, CFE Seattle Insurance and 49 Legal Investigations 11/15/2009 Nationwide Proprietary Online Sources • Accurint/IRB • NewsBank • Merlin • Proquest • OpenOnline • iOffice • CourtLink • LocatePlus • CourtTrax Jim Cronin, CFE Seattle Insurance and 50 Legal Investigations 11/15/2009 Search Engines • Google • Cheat Sheet – Handout • Google Alerts • Google News Archive • Wayback Machine • Yahoo Site Explorer Jim Cronin, CFE Seattle Insurance and Legal Investigations 17
- 18. Nationwide Public Online Data Sources • PACER • EDGAR Jim Cronin, CFE Seattle Insurance and 52 Legal Investigations 11/15/2009 Regional Proprietary Database Sources • DCS – Texas • Court Trax • OpenOnline – • Washington • Washington • Oregon • Oregon • Alaska • Ohio • Utah • Motznik – Alaska • Arizona • Merlin – California • Virginia • Courtlink – • Clark County Nevada • Washington • Hawaii • Oregon • New Mexico • New York • Federal Courts Nationwide • Ohio • Federal Courts Jim Cronin, CFE Seattle Insurance and 53 Legal Investigations 11/15/2009 Statewide Washington Public Databases • JIS/SCOMIS • WA UCC Filings • WA Courts – Free site • WA Charities • WA DOL – IVIPS • Domestic Partnerships • WA DOL – • Medical Provider Professional Licensing Lookup • WA Department of • Contractor Licensing Revenue g • Insurance Licensing • WA Secretary of State- Corporations • CPA Licensing • Hunting & Fishing • WA State Digital Archives Licenses • WSP Watch • Inmate Locator Jim Cronin, CFE Seattle Insurance and Legal Investigations 18
- 19. Washington Statewide Non- Government Databases • Washington State Bar Association • Washington Voters • Sound Politics Jim Cronin, CFE Seattle Insurance and Legal Investigations Washington County Public Databases • Recorder • Nationwide link to all • Assessor county governments • Jail Register • Employee Directory Jim Cronin, CFE Seattle Insurance and Legal Investigations Washington City Databases • Seattle Business Licenses • Seattle Fire Dispatches • Seattle Municipal Courts Jim Cronin, CFE Seattle Insurance and Legal Investigations 19
- 20. Social Networking Sites • ZoomInfo • MySpace • LinkedIn • Classmates.com • Reunion.com Jim Cronin, CFE Seattle Insurance and Legal Investigations Communications Sources • Phone Disk • ReadNotify • Slydial - (267) 759-3425 • SkipTracy Jim Cronin, CFE Seattle Insurance and Legal Investigations SkipTracy.Com • Opening Screen • Calling Cards: • Captures numbers on both ends of call • Sends email • Sent with “glossy” promo letterr • Rechargeable/Variable Minutes • Outbound Calls with Altered Caller Identification Jim Cronin, CFE Seattle Insurance and 60 Legal Investigations 11/15/2009 20
- 21. Online Demos Jim Cronin, CFE Seattle Insurance and 61 Legal Investigations 11/15/2009 Questions & Discussion Jim Cronin, CFE Seattle Insurance and 62 Legal Investigations 11/15/2009 Jim Cronin, CFE Seattle Insurance & Legal Investigations (206) 992-1555 croninj@ix.netcom. com Jim Cronin, CFE Seattle Insurance and 63 Legal Investigations 11/15/2009 21