Fraud - as a constantly mutating virus

About how leasing companies are struggling with scammers Bank.ru said Eugene Piskovetsky, Head of Client Business Leasing Company TransFin-M. The growth of fraudulent schemes on the market a spontaneous phenomenon? In our view, the situation of fraud in the leasing market in the financial crisis only worsened. This phenomenon have logical explanations. The market is limited access to legal sources of funding. Honest business is drawn to crime for money, that is, trying to find every possible means to maintain and / or business development. Fraudsters are turning to bona fide creditors to illicit enrichment. Another important factor - leasing has become clearer. Previously, he was treated like a certain foreign beast, now a popular financial tool. Understanding the schemes of work falls on fertile ground and shoot sprouts of increasing fraudulent transactions. What schemes fraudsters use to deceive the leasing companies? Already in the first stage, the stage of collecting the documents opened wide field for creative unscrupulous schemers. Drawn on his knee, "the balance sheets and profit and loss statement and legal documents, scanned print to formally comply with the lessor to its customers - an attempt to take" unceremoniously ". In our practice, cases of funny cases. For example, treated by different companies with the applications for leases. And on the basis of the primary study documents a person with minimal computer literacy, it became clear that the documents of different companies "draw" on a single computer that is registered in one of the most respected universities in Chelyabinsk. Or at the beginning of communication with the so-called "client" his representative, calls itself the chief financial officer, in a week - Adviser to General Director, a week later - a kind of "agent". Or, you come to a meeting several times in the office to the customer and the representative of the client always arrives at his office with you and goes outside, and do not meet you in the office. Or, in the application for lease indicate contact details of persons and attempting to reach these individuals through the office phones are available in open sources of information (eg, Internet), it turns out that people there do not work, and the first person of the company nor any of its applications for leasing is not heard. Sometimes there are also more severe cases, at the time of "falling" full-fledged business entity with a turnover, he picked up the "new owners", and having on hand all of the original print documents, inherited from the old owner, refer to the analysis of the leasing company as times in a period when the new changes the legal status of companies do not have time to go through all the official database of registration authorities. In some cases, manage to rent a nice office in a few floors, but when visiting the office staff leasing company turns out the absence of the entire company at the workplace, empty desks, cabinets, which are empty folders, etc. And, ostensibly, for all the workers sweat CEO with his first deputy. All such cases can be identified fairly standard on-site security experts, analyzing the history of the company and its major contractors, and other means available. In this very interesting point, which greatly raised the chances of fraud in a crisis. Leasing companies, who have continued to work after the fall of 2008 were very carefully evaluate potential borrowers. I'm talking about the economic component. And there is a paradox. Objectively, the company looked real bad borrowers (they have a crisis), and the crooks with drawing the balance sheets at the stage of evaluating the economic condition of the lessee has always been on a horse! Colleagues think, is hardly possible to meet a company with a good balance, the crisis it is for all the crisis. And if the balance is perfect - worth more careful attention to the analysis of the company as a whole. As for collusion, kickbacks and other malicious activity that is initiated within the company? When an agent of influence - the manager of a male, getting a bonus from the company, which by virtue of their financial inability to take a loan or lease can not? First and foremost is the question of competent performances of internal security policies. In our case, this negative practice is absent. By and large, it is connected to the logic of business. "TransFin-M" - is a "financial boutique". We are not engaged in retail leasing. We do not have a very large flow of customers for large sums, and everyone entering the company projects in the analysis of everted "inside out" in a good way. Therefore, our team of sales managers is not great and it only tested people who are constantly improving their professionalism. We are confident in them one hundred percent. But the scams can be applied after the property is leased? Is not it? Yes, and above all it concerns the non-normalized operating in violation of the TO and imitation theft. To a large extent this practice relates to the market of vehicles and machinery, which in our portfolio is not so much. But even for these cases, we have provided a protective mechanism. If previously protected from such actions can be selective departures security. So now we actively use modern GPS tracking mechanism. This allows us, without leaving the office, to monitor not only the location of a particular technology, but also set the parameters of its operation, such as gas mileage. With its use of non-normalized (a departure from the set of indicators), there is reason to think about the conditions. Also quite prevalent in the market when the company ceases to pay the lease payments and gradually brings all of the assets of a legal entity that had nothing to recover in the course of enforcement proceedings. Calling a spade a spade - this type of fraud. You can avoid such cases, well-functioning system of monitoring the financial condition of the client and the operating conditions of the leased asset. Maybe you can tell a prescription fraud? In fact, there is no panacea. Fraud - as a constantly mutating virus. The only effective way to fight is constant development and improvement of assessment methods. To stay one step ahead of those who use "black scheme, we implemented a unique system of" interactive board. Our system of counteraction is exceptionally flexible and permanent development. Again, there is no panacea. But in our case, the task of filtering trustworthy borrowers from unreliable able to realize at 99,9%. In order not to reveal all the nuances of work, in fact our know-how, I can point out the general principles of the system: the success of counter fraud schemes based on professionalism and the development process of internal review of the project. Another important point - this is modern technology in the service business. And finally, the exchange of information in the leasing community through the creation of electronic databases for unscrupulous individuals with all their signs and diagrams.