1. Early Warning Law Enforcement Insights on Emerging Trends and Typologies 11:10 – 12:15 PM, Yale Club, New York

2. Kenneth Hines Principal Hines Consulting

3. Joseph Burke Unit Chief, National Bulk Cash Smuggling Center Department of Homeland Security

4. William Fredrick Deputy Chief of Detectives New Jersey Division of Criminal Justice

5. Barry Koch Counsel, Investigation Division New York County District Attorney’s Office

6. Joseph Burke Unit Chief, National Bulk Cash Smuggling Center Department of Homeland Security

7. William Fredrick Deputy Chief of Detectives New Jersey Division of Criminal Justice

8. Prevalent Criminal Activity New Jersey Office of Attorney General Division of Criminal Justice Financial and Computer Crimes Bureau The Need for Witnesses

9. Theater Victim Bad guy Street Crime Witness 1 Witness 2 Witness 3 Police Bad guy

10. Financial Crime Victim $ Witness 1 Witness 2 Witness 3 Bad Guy Pass through account #1 Bad Guy actual account #3 Bad Guy Pass through account #2 SAR reporting Victim Notification SAR reporting abnormal activity large $ from account #1 to account #3 SAR reporting structured withdrawals of money received from account #2 Stuff

11. Allegation Motor Fuel Tax Case

12. Registered Wholesaler Excise Tax Registered Wholesaler Tax Free Transaction Un-Registered Distributor Tax included Transaction How It’s Supposed to Work What the evasion scheme looks like

13. Registered Wholesaler Registered Wholesaler Un-Registered Distributor Registered Wholesaler Registered Wholesaler Burn Company UnRegistered Distributor UnRegistered Distributor Registered Wholesaler Tax Free Tax Paid Tax Free The Daisy Chain

14. “Bill, Dick and Eddie” TCB Fuels Cooperator Check Casher CTR Dicks real name Bootleg Diesel Fuel Check for Fuel FINCEN Research

16. “Bill, Dick and Eddie” TCB Fuels Cooperator Check Casher CTR Dicks real name Bootleg Diesel Fuel Check for Fuel FINCEN Research

17. Credit Card Bust Out

18. Creation of Synthetic Identities Establishing Shell Corporations & Mail Drops Applying for Credit Cards Swiping Cards at Collusive Merchants Transferring Funds out of Merchant Account

19. 13 Arrest Warrants $1.9 Million Seized 5 Search Warrants

20. Current Trends in Criminal Activity Elder Fraud Bank Frauds Personal loans using Identity Fraud Mortgage Frauds - traditional and total frauds Credit Card Bust outs Man in the Middle Attacks Computer Frauds External intrusions Internal IT people taking advantage of a gap in knowledge Health Care Fraud – Kickbacks to Providers Attorney Trust Fund Abuse

21. What to put into SAR’s Details, Details Details Full description of all activity Information regarding other accounts held and/or possibly involved Specifics about the individual – all identifiers, license plate #’s, descriptors if warranted Where the money came from specifically….Where it went to specifically Try to link up the unusual money coming into the account to the money going out Any statements by the individuals involved in the transactions

22. Criminals rely on there being no witnesses in order to get away with their crimes. Be a witness for the victims’ sake Be a witness for your institution’s sake Take Aways

23. New Jersey Office of Attorney General Division of Criminal Justice Financial and Computer Crimes Bureau Bill Fredrick Deputy Chief of Detectives Fredrickw@njdcj.org

24. QUESTIONS?

25. THANKS FOR ATTENDING

26. PLEASE JOIN US FOR A NETWORKING LUNCH IN THE GRAND BALLROOM, FLOOR 20, PRESENTED BY