1. Detective Marcus Baggett
Financial Safety
Detective Marcus Baggett
Albemarle County Police Department

2. Drugs Fraud Economics of Crime Low Start Up Cost
Who is committing these crimes?
Drugs
Fraud
Must buy or make the product
Very violent occupation
Minimum Mandatory Sentences
Horrible Hours lots of weekends
Low Start Up Cost
Little to no Violence
Little chance of getting caught
Relatively small sentences if caught.

3. Common Types of Fraud Identity Theft
Credit Card Theft Felony punished as Grand Larceny
Credit Card Fraud
Obtaining Goods and Services by False Pretense
Construction Fraud
Elder Financial Exploitation (Elder Fraud) (VA Code )

4. Common Scams Charitable Giving Relative in Jail/Injured
IRS back Taxes / Threaten Arrest
Romance Scams
CONSTRUCTION !!

5. Financial Elder Exploitation
§ Financial exploitation of mentally incapacitated persons; penalty.
A. It is unlawful for any person who knows or should know that another person suffers from mental incapacity to, through the use of that other person's mental incapacity, take, obtain, or convert money or other thing of value belonging to that other person with the intent to permanently deprive him thereof. Any person who violates this section shall be deemed guilty of larceny.
As used in this section, "mental incapacity" means that condition of a person existing at the time of the offense described in subsection A that prevents him from understanding the nature or consequences of the transaction or disposition of money or other thing of value involved in such offense.

6. Obtaining by False Pretense
Everybody is selling something!
-Quaint, private living in gated community
-Sunny views
-Open floor plan
-Stainless steel appliances
-Complimentary Continental Breakfast
-Furnished !!

8. High Pressure Tactics If it’s too good to be true, it probably is!!
The goal is to get their victim to act on emotion instead of rational thought.
Hope
Fear
Anger
Sympathy
Embarrassment
If it’s too good to be true, it probably is!!

9. Credit Card Theft

10. What about the chip???

11. GIFT CARD THEFT

13. Look for cards with PIN code

14. Delivery Scam Identity Theft Leaves a note on the door
Call to schedule a package delivery.
Requires Personal information

15. Fake Charity
Holiday Season is the perfect time to think of those who are less fortunate. Thieves are aware of this and will seize the moment.
Some will use names that sound very close to legitimate organizations.
Always verify the legitimacy of an organization prior to donating.
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16. Online Frauds
Puppies
Electronics
Holiday Rentals
Pictures

17. MAJOR RETAILER SOFTWARE HACK

18. Neiman Marcus
In January, news broke of a card hack at Neiman Marcus where hackers accessed the debit and credit card information of customers who shopped at this chain between July 16, 2013 to October 30, Only in-store customers were affected, not online transactions. Originally, the company estimated that as many as 1.1 million cardholders could have been affected. But further investigation found that it affected a maximum of 350,000 customers. The breach occurred when malicious software was installed onto the Neiman Marcus system that collected payment card data from customers who made purchases during those dates.

19. Michaels
Michaels, the nation’s largest arts and crafts chain, reported a data breach at the end of January. The company said close to 2.6 million cards used in payments at their stores were potentially exposed between May 8, 2013 and January 27, Another 400,000 cards may have been affected at Aaron Brothers stores between June 26, 2013 and February 27, Michaels said debit and credit card numbers and expiration dates may have been exposed, but personal information such as addresses, names and PINs were not compromised.

20. PF Changs
In June, P.F. Chang’s China Bistro reported a security breach that affected customers at 33 restaurants located in 16 states. The intruder may have stolen some data from certain credit and debit cards that were used during an eight- month period from October 19, 2013 to June 11, The potentially stolen credit and debit card data included the card number and, in some cases, the cardholder’s name and/or the card’s expiration date.

21. Goodwill
In early September, Goodwill Industries confirmed that a data breach in 330 of its stores may have compromised an estimated 868,000 debit and credit cards. Payment card information, such as names, payment card numbers and expiration dates, may have been compromised. However, personal information such as addresses and PIN numbers were not affected. According to their investigation, a third-party vendor’s systems were attacked by malicious software, enabling criminals to access some payment card data of a number of the vendor’s customers. The impacted Goodwill stores used the same affected third-party vendor to process credit card payments.

22. Home Depot
In September, Home Depot, the world’s largest home improvement chain, confirmed that a whopping 56 million credit and debit cards were affected by a data breach. Then in November, the company disclosed that hackers had also stolen 53 million addresses. The company said criminals used a third-party vendor’s user name and password to enter the perimeter of Home Depot’s network. The hackers then acquired elevated rights which allowed them to navigate portions of the company’s network and to deploy unique, custom-built malware on its self-checkout systems in the U.S. and Canada.

23. If you are a victim file a report.
Contact your local police department.
Contact the jurisdiction where the fraud occurred.
Contact and notify all 3 credit agencies that you have been a victim of fraud.(Equifax, Experian, TransUnion.
File a report with the Federal Trade Commission. It will make your report available to LEA nationwide.
You can also report to This website is monitored by all federal investigative agencies.