With the amount of tools widely available to fraudsters to use and manipulate consumers, it has become increasingly simpler for them to commit these frauds. However, we can still play a part to avoid falling victim to payment fraud.

If you were offered a 50% return on your money in just 90 days, and you've seen a handful of investors do just that - wouldn’t you want to sign up? That could just be the start of an investment fraud!

Embezzlement happens more often than you think. According to the National White Collar Crime Center, employee theft and embezzlement cost businesses and organisations $400 billion per year.

Most, if not all frauds happen because of the presence of the 3 elements within this triangle: (1) Incentive, (2) Rationalisation and (3) Opportunity.