18 Jun

Finding Skimming Schemes

Schemes that involve the skimming of money are very difficult to detect, investigate, and ultimately prove. These types of schemes are carried out before money is recorded in a company’s accounting system. Because of this “off-books” nature of the crime, little to no trail is created for investigators to follow.

Skimming happens at the point of entry of money into a business. The gatekeeper who receives those funds is the most likely person to steal the money. Typical jobs that might involve access to funds in this way include bank teller, waitress, store cashier, salesperson, or medical billing clerk. Hundreds of jobs could afford someone an opportunity to skim funds from a company, but these common examples illustrate the ease of theft but the difficulty of investigation.

Imagine a case involving a waiter or waitress who takes an order from a customer, which includes an appetizer, a meal selection, and a beverage. The customer receives all the food and pays for all the food, but the server has not entered the appetizer into the cash register, and instead pockets that part of the customer’s payment. This is a simple example of how easily a skimming scheme can be carried out. Read More