Which of these is true about payroll schemes? Separating the hiring from the approval of time cards will increase the probability of ghost employees. O A check for missing social security numbers may help to find falsified hours. O Payroll underbudget variances may signal payroll fraud. Forging of a supervisor's signature is one way to create falsified hours. Question 3 (6 points) Give me three ways that a supervisor can perpetrate (or help perpetrate) a payroll scheme and then three ways a supervisor can avoid a payroll scheme