This document provides an overview of a toolkit for preventing problem gambling. It includes: 1) An agenda that introduces various prevention tools for workplaces, retailers, schools, and general awareness. 2) Background on the goals of providing tried and true prevention tools, encouraging sharing of new tools, and directing people to additional resources. 3) Details on how the goals will be met by introducing various tools, allowing developers to discuss their tools, and providing support for implementing the tools. 4) Instructions for an introduction activity including names, organizations, and questions from attendees.

1. Expanding Your Problem
Gambling Prevention Toolkit

2. Agenda
• Introductions
• Toolkit:
– Workplace: Lisa Miller
– Retailers: Shawn Martinez
– Middle and High School: Wendy Hausotter
– Schools in general: Isabelle Barbour
– Awareness Game: Julie Hynes
• Where to find these tools
• Wrap up: questions/comments/concerns

3. • Give you some “tried and true” prevention
tools so you can use them where you work
• Save you from reinventing the wheel
• Encourage you to use our problem gambling
prevention coordinator’s website
• Encourage you to share whatever you come
up with as well!

4. How We Plan to Meet those Goals
• Briefly introduce you to some problem gambling
prevention tools that we have developed
• Give you a chance to talk to the person who
developed the activity or strategy
• Show you where and how
to find these tools
• Offer support and advice if you
use them

5. Introductions - please tell us:
• your name
• where you work
• what your role is
• any particular question you want to be sure
we cover?

6. Isabelle Barbour, Team Lead
HKLB Program, Oregon Public Health
Division

7. The intersection of grades
and health risk factors

8. Schools have a role in student health
“Health and success in schools are
interrelated.
Schools cannot achieve their
primary mission of education if
students and staff are not healthy
and fit physically, mentally and
socially.”
National Association of State
Boards of Education

9. High School Graduation is Now a National and
State Health Priority
http://www.healthypeople.gov/2020/

10. A Complex Cast of Thousands
Governor Legislature State board of education
State level Chief state school officer
State education agency staff
School board Local government
School
Superintendent
district level
Central office staff
Principal School improvement council
School level
School staff
Adapted from NASBE’s How Schools Work and How to Work with Schools

11. How tough is school funding getting?
• McCleary v. State (Washington) 2012
• Pendleton v. Oregon 2009

13. Key Education Tools for
Health/Prevention Professionals
• National Association of State Boards of
Education (http://nasbe.org)
• How Schools Work and How to Work with Schools
• School Health Policy Database
• CDC- Adolescent and School Health
(http://www.cdc.gov/HealthyYouth/index.htm)
• Health and Academic Achievement
• Coordinated School Health
• National Health Education Standards

14. • Isabelle Barbour, Team
Lead, Healthy Kids Learn Better
Program, Oregon Public Health
Division
isabelle.s.barbour@state.or.us
971-673-0376

15. PROBLEM GAMBLING AND THE WORKPLACE
The Business
Community
Toolkits, resources, and helpful hints for
working with this (often overlooked) population

16. Employee Survey
GAMBLING IN THE WORKPLACE SURVEY
1. Organization Staff Size:
___Small (1-10 employees) ___Medium (11-50) employees ___Large (50-100 or more employees)
2. Does your organization have a written or unwritten policy addressing gambling in the workplace?
___Yes, we have a written gambling policy.
___Yes, we have an unwritten (understood) gambling policy.
___No, we do not feel the need to implement any type of gambling policy.
___No, but we have thought about implementing one in the future.
___I don’t know 75% of employees polled in Marion County
3. Have you been concerned in the past or are you currently concerned with someone’s gambling habits (in the
workplace or in your personal life)?
___Yes ___No
4. Would you like more information for your workplace?
___Yes please. My contact information is listed below
___I would like to set up a free on-site training workshop.
___I would like a free problem gambling in the workplace toolkit.
___Other ______________________________________________
___Not right now, but maybe in the future
___No thank you.

17. GAMBLING AWAY
YOUR BOTTOM LINE…
What’s a business to do?
Remember:
The main
Lisa Miller, CPS Health Educator purpose of a
Problem Gambling and Substance Abuse Prevention business is to
Marion County Health Department MAKE
MONEY.

18. Action
Training Objectives Plan
 Understand connection between gambling related
issues and workplace fraud/embezzlement
 Be able to recognize signs of problem gambling
 Develop policies and procedures to prevent and
address problem gambling at the workplace
 Identify resources and assistance for coworkers and
employees who showing sign of problem gambling

19. Problem Gambling in Oregon
Over 64% of Oregonians gamble in some
way, shape, or form….most without any
negative consequences.
Unfortunately, 2.7% may have a problem…
Set the
Stage

20. Problem Gambling in
the Workplace
Why should businesses care?
They are
thinking
it…why not
bring it out in
the open?

21. A Few Facts on EMBEZZLEMENT
 Highest percentage of embezzlers were
women
 Men embezzled much larger amounts
 Embezzlers most likely to hold financial
positions with in organization
Interesting
(from 2010 Marquet report) applicable
http://www.marquetinternational.com/ tidbits…

22. A Few Facts on EMBEZZLEMENT
 Only 5% of embezzlers have a criminal
record
 Gambling is a clear motivating factor in
driving some major embezzlements
(22% of all cases involve perpetrators who
reportedly had gambling problems)
…tie into
gambling
& (from 2010 Marquet report)
workplace

23. The Problem Gambling and
Crime Connection
 Moore (2009).
 More than one in three (35%) clients enrolled in
treatment reported committing illegal acts to
finance their gambling.
 Smith, Wynne, & Hartnagel (2003)
 Gambling related crime was responsible for 2.7%
of Edmonton police records in 2001.
 National Gambling Impact Study Commission
(1999).
 A third of problem and pathological gamblers had
been arrested, compared to 10% of low-risk
gamblers and 4% of non-gamblers

24. Government/Education/Non-Profit
In Oregon (2006-present):
 Bend: Postal Service, $156,000 (lead sales associate)
 Central Point: Court Clerk, $73,000, (Central Point Municipal Court)
 Hubbard: Postal Service, Undisclosed amount, case pending (Rural Postal Carrier),
 Pendleton: US Forest Service, $642,000 (firefighter)
 West Linn: City of West Linn, $1.4 million (finance director)
“That only
happens in
Throughout US (2008-present):
 California: Business Manager, $422,000 (Orange County School District)*
small
 Connecticut: Athletic Department official, $1.4 million (US Coast Guard)* businesses”
 Connecticut: Secretary, $200,000 (Connecticut Department of Developmental Services)
 Illinois: Assistant Controller, $580,000 (American Inter-Continental University)*
 Illinois: Library Clerk, $135,000 (Posen Public Library District)
 Nevada: Court Clerk, $202,000 (Washoe County District Court)
 Oklahoma: Accountant, $425,000 (Hinton Economic Development Authority)
 Oklahoma: $450,000 (Oklahoma Secondary School Activities Association)*
 Pennsylvania: Municipal Secretary, $389,000 (Springfield Township)
 Pennsylvania: Tax Collector, $224,000 (Lower Swatara Township)
 Washington: Cashier, $800,000 (Clallam County Treasurers Office)
 Washington: Assistant Finance Director, $1.3 million (City of Arlington)
To keep current on news stories, try GOOGLE ALERTS. Sign up at http://www.google.com/alerts/create?hl=en

25. Financial Institutions
In OREGON (2005-present):
 Aloha: Bank Teller, $939,000 (US Bank) Who is your
audience? Be
 Portland: Assistant Manager, $800,000 (First American Title
Insurance) ready with specific
examples when
Throughout US (2008-11): possible…
 California: Bank Manager, $679,000 (Citizens Business Bank)
 California: Branch Manager, $178,000 (BBVA Compass Bank)
 California: Business Relationship Officer, $236,000 (United
Commercial Bank)*
 Georgia: Head Teller, $625,000 (MidSouth Federal Credit Union)
 Kansas: Chief Financial Officer, $800,000 (Summit America
Insurance Services, Inc)
 Michigan: Bank Teller, $600,000 (Huntington National Bank)
 Missouri: Teller/Loan Secretary, $414,000 (Bank Northwest)
 Nevada: Vice President, $3.7 million (National Bank of Ely) *
 North Carolina: Bank Manager, $270,000 (Piedmont Bank)
 South Dakota: Bank Teller, $166,000 (American Bank and Trust)

26. Private Business
In Oregon (2006-present):
 Beaverton: Financial Planner, $563,000 (Financial Planning)$10,000 loss
 Eugene: Bookkeeper, $1.5 million (Transition Management Inc)
for a small
 Hillsboro: Bookkeeper, $500,000 (Tigard Furniture Store) business might
 Klamath Falls: Cashier, $160,000 (Walmart Cash Office) compare to
 Newberg: Bookkeeper, $130,000 (Newberg Furniture Store)$1million loss
 Newport: Business Manager, $122,000 (Nursing Home) for large.
 Roseburg: Secretary, $140,000 (Days Creek)
 Salem: Lead Bookkeeper, $742,000 (Superior Tire Company)
 Springfield: Accounts Payable Clerk, $1.5 million (IP/KOKE Printing)
 Washington County: Bookkeeper, $275,000 (Easy Street Online IT Services)
Throughout US (2008-present):
 Arkansas: Executive Director, $756,000 (Upper Southwest Solid Waste
District)*
 Illinois: Bookkeeper, $1.5 million (ENR General Machining Co.)
 Kentucky: Used Car Manager, $1 million (Toyota Car Dealership)
 Louisiana: Office Manager $206,000 (Ark La Tex Farms, Inc)
 Nebraska: Manager, $154,000 (Joe Tess Place, Seafood Restaurant)
 New York: Bookkeeper, $617,000 (Eastern Star Home & Campus)
 Washington: Billing Clerk, $263,000 (Maersk, Inc)

27. THE HIDDEN ADDICTION
What does a Problem Gambler look like?
Humanize the
issue….everyday
• Often high functioning and bright people working in
• Usually employed variety of fields
• Often not the typical user of social services
•No obvious physical signs of addiction (i.e. a person can’t
OD from too much gambling )
Jane Warren
Pam Cornell University
Grandma Former Credit Union VP Sandy
stole 250K to gamble Economics Degree
(incarcerated for embezzlement) 4th grade teacher
Source: National Council on Problem Gambling voices of recovery http://www.ncpgambling.org/

28. STORIES FROM
THE FIELD
I was going to
pay it back
after the big
win…

29. Employee accused of
embezzling $140,000
Roseburg, OR - Douglas County authorities
arrested a Days Creek secretary accused of
embezzling almost $140,000 from her
employer to support a gambling habit.
~ The Statesman Journal, Jan 9, 2010

30. Local furniture stores
takes a loss
Hillsboro, OR - Bookkeeper for Tigard furniture store
pleaded guilty to aggravated theft for stealing over
$500,000 to support a gambling habit at casinos.
~The Oregonian, Oct 15, 2009
Newberg, OR – The owner of a Newberg furniture store
said he was shocked when he learned his bookkeeper
was suspected of embezzling nearly $130,000. She told
investigators she spent all the money gambling in bars
and casinos.
~KPTV.com, February 9, 2010

31. What Causes Problem
Gambling?
Public Health Model
Vs. Fraud/Embezzlement
Triangle

32. The Fraud/Embezzlement
Triangle
Motivation
Workplace policies
and procedures: is
the business fostering
an environment that
fraud thrives in?
FRAUD
Embezzlement
Rationalizatio Opportunity
n

33. Negative Effects of Problem Gambling
 48% indicate suicidal thoughts
 34% indicate alcohol-related problems
 13% indicate drug-related problems
 57% indicate they jeopardized or lost
significant relationship or job because of
gambling
 38% committed illegal acts to obtain
gambling money
As reported by the 1,861 gamblers who received publicly funded treatment in Oregon 2008-09

34. Is Your Business Safe?
 Theft/Fraud happening all around
 Occurs in Small and Large Businesses
 Extreme cases highlighted in the news
 Prevention is key
Only 19% of businesses have
formal policy on workplace gambling
(Society for Human Resource Management
http://www.shrm.org/Pages/Default.aspx )

35. Recognizing Signs of
Problem Gambling
How will you know?

36. Indicators
 Increase in gambling time and places
 Increase in size of bets
 Working up special occasions for gambling
 Intensity of interest in gambling
 Boasting wins; evading loses
 Exaggerated display of money
and other possessions

37. Indicators (cont.)
 Gambling when there is a crisis
 Drop off in other activities/interests
 Frequent absences from
school, work and home
 Excessive phone use
 Withdrawal from family
 Personality changes (irritability/hostility)
 Diversion of funds earmarked for other purposes

38. Workplace signs of a
gambling problem
 Work performance deteriorates
(pre-occupied, trouble concentrating, absent
or late for meetings, misses assignment
deadlines)
 Frequent unexplained absences or
disappearances from work.
 Eager to organize and participate in
betting opportunities.

39. Workplace signs of a
gambling problem
 Frequently borrows money, argues with co-workers
about money that is owed to them.
 Complains about mounting debts.
 Excessive use of the telephone for personal calls.
 Experiences mood swings, often related to winning
and losing streaks.
 Credit card or loan bills are mailed to work rather
than home.

40. Workplace signs of a
gambling problem
 Increasing time spent gambling during lunch
hour and coffee breaks .
 Requesting pay in lieu of vacation time.
 Making false claims against expense accounts.
 Theft of property.

41. Effects on the workplace
A problem gambler primarily affects the
workplace through
 Lost Time
 Lost Productivity
 Theft, Fraud and Embezzlement

42. OK, so we can
recognize signs…now
what are we suppose
to do?
Workplace Interventions

43. First Line of Defense is often
Co-Workers
The challenge is to
identify the problem
gambler before they
become desperate.

44. What can supervisors do?
 Use work-related observations
 Explain how the problem affects you
 Provideinformation,
not advice

45. What can organizations do?
 Create/update policy statements
 Provide employee awareness training
 Make financial counseling available
 Monitor the money stream
What do you want
them to do? Small
easy action steps…

46. Sample Policy Language
 Employees shall not participate, while on (business name)
owned or leased property or while on duty, in any gambling
activity (that is not an approved charitable fund-raiser).
 Gambling activities approved by the Director’s office must
be accompanied by reference to, or information on, where
employees may go to seek help for a gambling problem.
 Employees shall be informed that free, confidential
treatment for gambling problems is available throughout
Local partner, Cascade Employers
Association, helped create this
the State via the Oregon Problem Gambling you have a
sample policy. Do Helpline (1-
partner to collaborate with?
877-MY LIMIT).

47. Find out what will work best
Education and for individual businesses you
are working with…they are
Awareness not One Size Fits All
 Posters in Break Room
 Annual in-service training
 Email / Newsletter
 Offer EAP services

48. Breakroom Posters

50. Problem Gambling Help Line:
Statewide, 24hr, free and confidential hotline staffed by
professional counselors
Phone: 1-877-MY-LIMIT
Online: http://1877mylimit.org/ (chat, IM, email)
Marion County Problem Gambling Treatment
Provider:
Bridgeway Recovery Services, Salem, OR, provides in/out patient
treatment for problem gamblers in recovery.
Phone: 503.362.2021
Online: http://www.bridgewayrecovery.com/index.html

51. Need more?
Keep in touch. You
never know when they
may need to refer back
to what you just told
them.
Lisa Miller, CPS
Prevention Services, Marion County Health Department
976 N. Pacific Hwy Woodburn, OR 97071
Phone: 503-981-2461 Email: lmiller@co.marion.or.us
Website: http://www.co.marion.or.us/HLT/ad/gambling/

52. Lottery Scratch Tickets

53.  Evidence Based Strategy effectively used for
Alcohol and Tobacco retailers, many of whom
are lottery retailers as well.

55. Working to make a positive impact in
our community and in the lives of
other youth by supporting a
healthy, Drug Free lifestyle

56. Clerk Sale
Vending Machine Sales

57.  Student/ Parent training
 Parent and Student consent
form signed and returned
 Practice

58.  Students only have one dollar in cash with them and ID
 Two students enter store with adult advisor following behind
 One student picks up an item that is $1 of less
 At counter student ask for scratch ticket. At no time does
the student pick up the ticket
 If the clerk gets the ticket, totals the sale and asks for money
student say they don’t have enough money, pays for item
and the second student reminds them that lottery tickets
cannot be purchased by anyone under the age of 18
 If the clerk asks for ID, show it
 If the clerk does not sell, give them their reward and thank
the clerk for not selling

59.  Never lie
 If they are in a tough situation leave the store
 If student is uncomfortable for any reason –
leave
 The students fill out the data form with
information from the visit

60. REMINDER SLIP
JUST A REMINDER!
One in every 25 Oregon teens (13-17 year olds) is a problem or at risk
gambler– that’s more than 10,000 Oregon teens.
REMEMBER
ORS 461.600 Sales to minors. (1) Tickets or shares in lottery
games, including tickets or shares sold from vending machines or
other devices, may not be sold to a person under 18 years of age.
ORS 461.300 Selection of retailers; rules; contracts (4) The director
may terminate a contract with a lottery game retailer based on the
grounds for termination included in the contract or commission
rules governing the contract. The grounds for termination must
include, but are not limited to, the knowing sale of lottery tickets
or shares to any person under the age of 18 years or knowingly
permitting a person under the age of 21 years to operate a video
lottery game terminal.

61.  GIFT CARD (coffee, pizza, subway)
 T-shirt
 Coffee Mug
 Keychain
 Pencil / Pen

62.  Students only have one dollar in cash with them
and ID
 Two students enter store with adult advisor
following behind
 One student locates the vending machine
 One of the students put $1 in machine
 Students may not lie if asked age or date of birth
 Second student is just observing employees or
others in store
 If the machine sells a ticket to student it is
handed to the adult

63.  Never lie
 If they are in a tough situation leave the
store
 If student is uncomfortable for any reason
– leave
 The students fill out the data form with
information from the visit

64.  Letter to store owner manager
 Congratulation
 Regretfully
 Information to share with employees
 Any scratch tickets purchased are sent to
State Lottery Commission

65.  In 2007 Southern Oregon Drug Awareness
conducted 100 reward and reminder visits of
lottery scratch ticket retailers in
Medford, Phoenix, Talent, Ashland, Central
Point, White City, Eagle
Point, Jacksonville, Rogue
River, Trail, Prospect and Butte Falls.
 100% SELLS FROM MACHINES

66. FOCUS TEEN COUNCIL MEMBERS AGE 13-17
 25 visits – 5 clerk, 20 vending machines
NO SALES!

67.  Youth felt some of the vending machine were in
hidden areas or not in sight of any employees to
monitor.
 Youth felt if someone wanted a ticket they could
push the button that says they are over 18.
 Some of the machines were by customer service
and when they put money into the machine or
was looking at the machine with employees or
other adults close by no one said anything to the
youth.

68. Lottery ticket machine
(RIGHT) is out of
sight of cashier,
whereas movie
machine (LEFT) is
in sight
Placement of Lottery
machine next to
movie machine
draws kids’ interest

69. Shawn Martinez, CPS
Josephine County Prevention Coordinator
smartinez@co.josephine.or.us
541-951-9399 cell

72. • 1 in 175 • 1 in 175 million
• 1 in 175,000 • 1 in 175 billion

73. 1 in 175 Million
(174,233,510)
Odds of getting struck by lightning:
1 in 280,000

74. Name at least 2
consequences that
someone may experience
due to his/her gambling
problem

75. • Debt
• Crime
• Depression/Suicide
• Relationship problems
• Employment problems
• Alcohol and/or drug problems

76. • Sports bets
• Lottery tickets
• Video & online
• Bingo & raffles

77. Gambling Treatment Clients
Gamblers' Preferences
Electronic
Video lottery Gambling
89% Cards
6%
& online gambling Other
5%

78. At what age is the
brain considered
fully developed?
• 18 • 21
• 25 • 65

79. Gambling & The “Doped”
Brain
Decisions that will likely cause us to
lose money vs. win money
Source: Brain Briefings (2007, October), Society for Neuroscience, Washington, DC

80. Where can I find these materials?
www.problemgamblingprevention.org

81. Wrap up
Questions?
Comments?
Concerns?
Check out the website
Contact us for help or advice
Share what you come up with

82. Onward we go!
• Check out the website
• Contact us for help or advice
• Share what you come up with

83. Thanks for your time and attention!