If a fraudster does not have legitimate access to check stock, he must obtain access to the check stock in order to commit a forged maker scheme. What are some ways blank checks can be fraudulently obtained, and what measures could an organization take to prevent this from occurring?

In the Ernie Philips case, $$109,000$ was stolen through check tampering. How was this scheme accomplished, and what could management have done differently to prevent the scheme from occurring?

Explain how each of the following three conditions could be a red flag for a register disbursement scheme.

A$.$ Able, a cash register teller, is authorized to approve sales refunds, he is also authorized to make inventory adjustments.

B$.$ Baker, a cashier, processed fifteen refunds in the last week. No other cashier processed more than five during that same period. Each of the transactions was for between $$13\mathrm{.}50$ and $$14\mathrm{.}99.$

C$.$ Over $70$ percent of the refunds processed by Chase, a cash register clerk, were run on the same date as the original sale.