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People commit fraud for a variety of reasons, and it is difficult, if not impossible, to predict who will do so or why. Psychological profiling, according to this school of thought, is neither possible nor profitable. What is generally agreed is that the classic ‘ fraud triangle ’ still pertains – employees who commit fraud generally do so because there is opportunity, pressure, and a rationalisation. The rationalisation often arises through perceived grievance. ‘ The danger exists when an individual feels resentful while in a position of trust, without the required supervision, but with the required opportunity ’ (Mars 2006). In the author ’ s experience, debt, alcohol and drug addiction are high on the list of factors causative to fraud, or symptomatic of it. A classic example was Kim David Faithfull, a manager at the Commonwealth Bank of Australia, who gambled a staggering AUS$19m on internet betting, all of which was plundered from the bank. A compulsive gambler, he stole to feed an addiction, not to gather wealth. Experienced investigators cite a litany of violent and abusive relationships and a trail of squalid human sadness where fraud presents itself. We should also remember that for some people fraud is fun – offering wealth, intellectual challenge and masquerade. In the book Other Peoples ’ Money, Elliot Castro, a working-class kid with no qualifications or money describes how at the age of sixteen he achieved his twin ambitions of world travel and profligate consumerism through credit card fraud. From London to New York, Ibiza to Beverley Hills, Castro lived a fantasy life, blowing a fortune on designer clothes, Rolexes and champagne. His verdict: ‘ The crime of fraud, when conducted well, is a fascinating and rewarding pursuit. It ’ s a test of intellect, determination and stamina... ’ The joy of it was attested to by convicted fraudster Joyti De-Laurey. The disgraced former secretary at Goldman Sachs plundered £4.3m. Her justification: ‘ I ’ ve got an illness only diamonds can cure. ’ Was it an addiction? ‘ I just wanted to spend. I ’ m not going to lie and say spending that amount wasn ’ t fun, because it was, OK? I ’ m human. ’ Should we adopt behavioural profiling to spot the incipient fraudsters in our midst? Unlike the extremely dysfunctional to whom this analysis genuinely applies, avarice and deceit are commonplace, if not universal. I suspect, instead, that our efforts would be better concentrated elsewhere. The Lord ’ s Prayer says, ‘ And lead us not into temptation, but deliver us from evil ’ . Fraud often arises when people are tempted. An old adage says that one person in five is inherently honest and will never steal or lie, three are opportunist and will do wrong if they believe their actions will go undetected, and one will always submit to temptation. This is a useful rule of thumb when devising controls. Every control weakness that we eradicate may be considered as a temptation removed. The less temptation there is, the better it is for everyone. Postscript : Julian Parker is CEO of Data Genetics International Limited, www.dgiforensic.com, and Ed Wilding is a consultant and writer specialising in computer crime With thanks to DCI Colin Cowan of the City of London Police who gave freely of his research materials Want to get the latest news from only the risk management areas you ’ re interested in? Don ’ t sift through masses of emails for the stories you want. You can now customise StrategicRISK email newsletters to give you the news you need. Before it breaks across the industry. “ It is not always money or possessions to which fraudsters aspire. ” Page 3 of 4 StrategicRISK - More than money? 6/11/2008 http://www.strategicrisk.co.uk/story.asp?storycode=371585 6x U} *Q>mY kVYUA@).ʇU[ (UZU-hJT%5(ՄjiwI)UVĴwћba7Ι3gΜϙތY0zdF#0{-Wk3Y.{z53StA,zdi}(: euDr}KaXj6*dϒL`2,&sqK[Pclwpo6lkcwf^3ג;q~=%J^ 'w%mqLY)9b[Jfƞz AKk`I]a=~c2K\ ȯygs/ktbd{& f;o&Ɖtfޞ]}pc1F"d%`[I~)΍`<3}:[S2߉o]nxڎĩ`(8yTgiyYc3 p8yD_1>7om+i.7izWvF%xUl?jmGy+ ? 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Signing up to this NEW service only takes a minute, just click here to get started.   Page 4 of 4 StrategicRISK - More than money? 6/11/2008 http://www.strategicrisk.co.uk/story.asp?storycode=371585 T xAHTQfjSKH\TS6"jQ)am,-\ZX-ڄeЦZZ6)Z <4MW{9}wTRT'}v'5[RzV6Gץm׈b:7ۄ龛_EE9 fGl>lG/'kp7%?gNWؠa"š -w}ފ?o>?)+ +^Kli7v*>N yrz{P >flv 8~ j2x,x Y{k. gX3ލTanaV4-0a 0M AأشV-b^Zms;\-h u_zb`B? )#:[%E>V 5cmcuՖ$=m_Xm?zڴpv]1ΰkp>vfF\t\I-Z}w*GS@eؐjj*/Microsoft Office Document Image Writer 11.03.1897.00 2008:06:11 23:22:31  D<0 A~DD(16(J2^J/9D1YGࡱ> Root Entry-NdqrvorsQblcu4szKeiub3mf2g8--CONTENTSprop2 # mX]0,Å :+0h08@T B prop2B prop3DICTw VyOOh0@(08 Oh+'0X0prop3 AuvsxjatP0udblw1Aaq5eubr5h8--CONTENTSpSummaryInformation(--CONTENTS8@P PC