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Q 61. Anna and Jorge Peleo are in the middle of a bitter divorce. Anna's attorney called Sam Blakely, a forensic accountant, because he suspected that Jorge was hiding assets from the divorce. Anna claimed that Jorge secretly owned a beach condominium on the Pacific coast of Costa Rica. He had frequently traveled there on business trips, and about a year ago, she received a mysterious call from a woman living in Costa Rica. The woman claimed that she was Jorge's ex-girlfriend and that he had bought a condo for her to live in. The caller seemed very angry because Jorge had left her for another woman and had thrown her out of the condo.

The alleged ex-girlfriend left only her first name (Nora). She did mention the city where the condo was located, but it was a long Spanish name that Anna could not recall.

Anna's attorney deposed Jorge and asked him many questions about the girlfriend and the condo. Jorge claimed it was all crazy talk, and he completely denied any knowledge of a condominium or girlfriend.

During the 20 years of marriage, Jorge worked as the vice president of marketing for a large machine parts company. Anna knew only that he was very highly paid, but she had never worked or paid much attention to their finances. Now she feels she is completely at his mercy in the divorce.

1. Explain how you think Sam Blakely would proceed with his investigation.

Sam should start his investigation by reviewing all the documents he can get his hands on. State & Federal tax returns, Bank & credit card statements, Loan applications, & his/their credit reports need to be pulled for review. Sam should also look into any cards or loans taken out by Sam through his company.

1. Assuming that there is a secret condo in Costa Rica, what do you think Sam's chances are of discovering it?

Assuming that Jorge has acquired the condo in Costa Rica Sam is very likely to discover it's existence.

Q 62. One afternoon Gina Lowell received a call at work from her credit card company. The woman on the other end of the phone asked some questions.

"We are calling you because our fraud detection system has flagged your account for possible identity theft. We need to ask you only a few brief questions to protect your account." "Okay," said Gina.

"We first need to make sure we are talking to the right person," the woman said. "So I'll begin by verifying a recent transaction on your account. Our records indicate that last night at 7:45 P.M. you made a purchase for $213.95. Can you tell me the name of the store where you made this purchase?"

Gina immediately remembered the purchase. She had bought a wristwatch for her brother's birthday. "Yes," Gina responded. "That was for a watch at the Beach Emporium." "Thank you," the woman continued. "We're going to have to cancel your card and issue a new one," she said. "But first, we need to verify some other recent charges on your account." Gina listened with anticipation.

"Okay, we have three other charges to your card yesterday. First, there is a charge of $1,652.25 from Metzler's Department store. We also have one for $1,850.15 at the Red Web Casino, and finally one for $736.94 from the Xeroa Company in Tucson, Arizona.

Listening to the woman list the other charges sent a shudder through Gina. It was hard to believe that someone had put those charges on her account. "I didn't make any of those charges," said Gina. "This is terrible."

"Don't worry" said the woman. "We have a very good fraud control program, and you won't be responsible to pay a single penny of the fraudulent charges. We'll only need you to sign a fraud affidavit. I'm sending it to you in the mail today. All you need to do is sign and return it, and that will be the end of the problem." Gina was greatly relieved.

"Okay," the woman continued. "Before I send you your new card, I'll need to verify some additional information. Can you please tell me your social security number and your mother's maiden name?" Gina quickly gave the woman the information. "Thank you," said the woman. "We'll send you your new card in the mail tomorrow."

Analyze and comment on the phone conversation described in this case in relation to identity theft.

Modern day fraud alerts are more likely to come through a secure app via push notification or text message rather than phone call. It is possible the person on the other end of the phone call was impersonating the bank to obtain Gina's personal information for fraudulent or identity theft purposes. Although the call came from a seemingly reputable phone number it is still possible that the number is spoofed or altered to appear as such by the bad actor placing the call.

The next time Gina receives a call from a bank or credit card company she should hang up and reach out to the company via the number on the back of the card or the fraud number listed on the company website to continue the conversation or verify before giving out any sensitive information.