900 Numbers

Advance Fee Fraud

Advance Fee Loans

ATM Grab

Au Pair Scam

Bail Bond Scam

Black Money Scam

Bunco

Burglary

Bank Examiner

Broken Bottle Scam

Business Opportunities

Caller ID Spoof

Charitable Solicitations

C.O.D. Scam

Confidence Crime & the Banking Industry

Construction Fraud

Counterfeit Goods/Trade Mark Inringement

Counterfeiting

Country Boy

Credit Repair

Distraction Theft

Diversion Burglary

Door-To-Door Solicitor

Equity Skimming and Real Estate Schemes

Exploitation of the Elderly

Fortune Telling Fraud/Psychic Fraud

Gemstones

Government Service

Grandchild in Distress

Grand Theft

Handkerchief Switch

Help Needed

Home Improvement

Identity Theft

Imposter Burglars

Insurance Fraud

Internet E-Mail Scam

Investment Scams

IRS Energy Rebate, Phishing and Other IRS Related Scams

Jamaican Lottery Scam

Jury Duty Scam

Land Sale

Latin Lotto

Living Trusts

Lottery Scams

Magazine Subscriptions

Medical

Metal Theft

Neighbor Assistance

Nigerian Advanced Fee

Obituary

Pickpocket Diversion

Pigeon Drop

Pocketbook Drop

Police Follow-up Scam

Ponzi Scheme

Product Demonstration

Pyramid Scheme

Quick Change Artist

Recovery Rooms

Retirement Estates

Ruse Entry

Rock in a Box

Sealcoating Scam

Service Technician

Store Diversion

Sweetheart Swindle Con

Sweepstakes

Texas Twist

Texas Tornado

Theft

Three Card Monte

Till Tap

Toner Rooms

Travel Scams

Truck Stop Three Card Monte

Trust Game

Work at Home Plans

Yellow Page Advertising


Bank Examiner


The perpetrators of this type of offense specifically target senior citizens. It is designed to take several thousand dollars (normally various amounts up to $9,000) in one or multiple transactions. The seniors are selected in many ways including criss-cross telephone books, random telephone surveys, previous obituary notices or observation at banks and shopping centers.

Following is a general description of the basic elements of the offense. Different suspects use many variations to convince the senior they are dealing with legitimate law enforcement or bank personnel.

The senior receives a telephone call by a subject posing as a law enforcement officer, bank security, or other official. They are told that there is a "problem" at their bank. The caller may claim that other accounts are involved, and others have agreed to assist. The victim is often informed that a person at their bank is dishonest and is stealing from accounts.

The caller elicits the assistance of the senior and requests they withdraw money from their bank and not talk to anyone about the withdrawal. Throughout the offense the suspect reassures the senior that their account will be replenished and they will not loose any money. He may tell the senior not to take a check, and to tell the bank teller/manager that the money is being used for a relative or other cash transaction.

The caller tells the senior they will be met by an officer after the withdrawal is made, either at a pre-determined location or their home. The victim is instructed to give the currency they withdrew to the officer who will take the currency for evidence.

In multiple transactions which may continue for several days or weeks, the senior may receive further calls informing them of the progress of the "investigation" and convince the senior to make further withdrawals to reinforce the case against the dishonest employee. Normally the same pattern is followed by the suspect when taking the seniors money.

 

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