<section><h2><h1><strong><span style="font-size:36px;">THE FRAUD DETECTIVE CHALLENGE!</span></strong></h1></h2><p><p> </p><p>Take the 5 minute test to discover what <span style="text-decoration:underline;">kind</span> of fraud detective you are. From investigating hundreds of frauds and teaching thousands of people to spot and stop fraud over the past decades, we have realized is that absolutely <span style="text-decoration:underline;">anybody</span> can spot fraud. </p><p>Our trials over many years supports our theory that “<strong>everybody can be a fraud detective</strong>” with four different types of fraud detective traits: Intuitive (typically “gut feel”), Transactional (focussed on details), Technocratic (highly systematic) or Holistic (“big picture”). <span style="text-decoration:underline;">Typically</span>, people have one strong trait, a secondary trait and other “type traces”.</p><br /><p><img src="https://i.imgur.com/SPfjmdW.jpeg" alt="" width="400" height="300" style="display:block;margin-left:auto;margin-right:auto;" /></p><p> </p><p>This test is for everyone! You don’t need to be a fraud specialist.<o:p></o:p></p><p>So, go on, take the fraud detective challenge to find out what sort of fraud detective YOU are and learn more about early fraud detection and the power of teamwork.<s><o:p></o:p></s><o:p></o:p></p><p>Instructions:<o:p></o:p></p><ul><li>There are no right or wrong answers<o:p></o:p></li><li>Your gut feel answers will give the best results. So, answer quickly without over-thinking<o:p></o:p></li><li><strong>This is not an exam</strong></li><li>At the end of the quiz you will be able to add in your details (Name, Country, Email address) and you will then receive a short report which ranks your own Fraud Detective Traits</li></ul><p><strong><o:p> </o:p></strong></p><p><strong><o:p><a>© B4 Investigate AB</a></o:p></strong></p></p></section><section><h2><h3><strong>Transactional</strong></h3></h2><p><h3></h3><p>Transactional fraud detectives tend to focus first and foremost on details as well as how these details relate to each other. In other words, the Transactional Fraud Detective sees “stories” of fraud through seemingly insignificant happenings.<o:p></o:p></p><p>They tend to enjoy working most with technocratic fraud detectives.<o:p></o:p></p><h3><o:p></o:p></h3></p></section><section><h3><h3><strong>Intuitive</strong></h3></h3><p><h3 paraid="1682882310" paraeid="{08f481b9-b695-4545-bc60-8b451feb3158}{90}"></h3><p>Intuitive fraud detectives tend to be internally driven and relying primarily on gut feel. You rapidly skim large volumes of information leading to judgement calls and quick conclusions.<o:p></o:p></p><p>They are highly driven but can tend to prefer working alone (…which is not always healthy!)</p></p></section><section><h3><h3><strong>Technocratic</strong></h3></h3><p><h3></h3><p>Technocratic fraud detectives typically like to identify patterns creating relationships by “joining the dots” in data which often can be visualized by programs and algorithms.<o:p></o:p></p><p>They are often highly systematic and rely on machine support.<o:p></o:p></p><h3><o:p></o:p></h3></p></section><section><h3><h3><strong>Holistic</strong></h3></h3><p><h3></h3><p>Holistic fraud detectives can often recognize and balance the input from detailed analysis and combine this with gut feel. They can often quickly see the big picture of the likely frauds taking place but may skip over details. “Holistics” tend to enjoy taking charge to get the best out of the other 3 types of fraud detectives.<o:p></o:p></p><h3><o:p></o:p></h3></p></section><section><h2><h2 style="text-align:left;">What would you estimate is the total harm (to value, reputation, and culture) to an organization with sales of 100 million $/€ caused both directly and indirectly by all types of fraud? (Select one answer)<span style="font-size:20px;"></span></h2></h2></section><section><h3><h2 style="text-align:left;">You are selling your electric bicycle. An hour after the advert goes online, you get a cash offer that is 10% over your asking price from a Mr. John Jones. When you meet John, he suggests that he pays you 80% of the money now in cash and the remaining 20% next week after he has tested out the bike. You will, of course, receive the balance from his company JJ Investments Ltd, a British Virgin Island company with an address and bank account in London.<o:p></o:p></h2><h2 style="text-align:left;">For you what strikes you as the most <span style="text-decoration:underline;">obvious</span> indicator that “something stinks”. (Select one answer)<o:p></o:p></h2></h3></section><section><h3><h2 style="text-align:left;">Read the email below which somehow makes it to you through your spam filter. It’s clearly suspect but what is it about it which strikes you <span style="text-decoration:underline;">first</span>? (Select one answer)<strong></strong></h2><p> </p><p>From: Sir Dave Ramsden ramsden-d@boe.co.uk</p><p paraid="922387877" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{99}">Sent: 5 May 2021 15:22</p><p paraid="1139133780" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{113}">To: “you” </p><p paraid="1644357326" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{121}">Subject: Business Proposition </p><p paraid="610098721" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{127}">I am Sir David Edward John Ramsden; I work at the Bank of England. I have a business proposition to share with you. If you are interested please come back to me for more information. </p><p paraid="753984523" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{133}">Regards </p><p paraid="801248547" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{139}">Sir Dave Ramsden </p><p paraid="812202876" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{145}">Deputy Director – Marketing and Banking </p><p paraid="1344001138" paraeid="{d6778e93-1deb-4608-9c11-77d5878beab0}{153}">Tel: +356 79 63 1829 E-post: davrsd4@gmx.com </p></h3></section><section><h3><h2 style="text-align:left;">Have a look at this invoice which is sent to Britmax Engineering.<o:p></o:p></h2><h2 style="text-align:left;">Pick the <span style="text-decoration:underline;">first</span> thing you noticed which struck you as “a bit odd”</h2><p> </p><p><img src="https://i.imgur.com/fAfyFaN.png" alt="" style="display:block;margin-left:auto;margin-right:auto;" /></p></h3></section><section><h3><h2></h2><h2 style="text-align:left;">The file below is an extract of some possibly unusual transactions from the bank statement of Britmax Engineering. Spend 10-20 seconds skim-reading it and choose one answer below which is closest to the first question that popped into your head when you looked at it.<o:p></o:p></h2><span style="font-size:20px;"></span><p> </p><p><img src="https://i.imgur.com/1SxVxcd.png" alt="" /></p></h3></section><section><h3><h2 paraid="490763574" paraeid="{fb5d7b49-c696-4e8a-b705-ad37cfdd52e4}{42}" style="text-align:left;">Read the email below and decide why you should look into things a bit more. Choose the closest answer<br /></h2><p> </p><p><img src="https://i.imgur.com/zWxw1ac.png" alt="Mail" /></p></h3></section><section><h3><h2 style="text-align:left;">On the bill of a restaurant, you spot a side dish which you are sure you never ordered. You also have been charged for tap-water and a 18% service charge was added. You weren't informed in advance about such extra costs. <o:p></o:p></h2><h2 style="text-align:left;">How <span style="text-decoration:underline;">best</span> would you describe your reaction to the situation?<o:p></o:p></h2></h3></section>