44,45 and 46

44. Per the Fraud Examiners Manual, which of the following is an example of phishing? A. following an authorized person into a restricted area, either by surreptitiously or by convincing the authorized person that the piggybacker is also authorized. B. the practice of observing another person (e.g., looking over the person's shoulder) to gather personal information. C. changing the victim's mailing address on file with the government, causing all of the victim's mail to be sent directly to the fraudster. D. eBay customers receiving fraudulent emails purporting to be from the company, but the emails were really from a fraudster who directed the eBay customer to a clone sight operated by fraudsters. 45. Per the Fraud Examiners Manual, what is a credit card skimming scheme? A. stealing cash receipts before the sale has been recorded on the books. B. the use of a skimming devices to surreptitiously scan and store credit card numbers to be sold to identity thieves or used to commit identity theft directly C. a form of cash defalcation where the fraudster steals (i.e., skims) incoming cash. D. a form of tax evasion where the fraudster fails to report cash receipts to government authorities. 46. Per the Fraud Examiners Manual, what is the "hallmark of the diploma mill scheme? A. the exorbitant fees that are required to be paid in advance. B. the difficulty with which the degree is obtained. C. the ease with which the degree is obtained. D. high admission standards