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Minimize Forgery and Fraud:


Information for Businesses

For businesses, many steps can be taken to minimize forgery and fraud.  Provided below are a few suggestions. 

Business Check and Credit Card Acceptance Procedures to Minimize Forgery and Fraud

  • Post check and credit card acceptance procedures in plain view for all customers to see
  • Post closed circuit television notification signage
    • For example: “All financial transactions are video/digitally recorded”
  • Require identification
  • Consider accepting state identification or military identification cards with photographs
  • On the face of the original check, record identification information
    • This information may include type of indemnification (state/military), alpha and numeric digits, date of acceptance, and initials of teller/cashier
  • Consider purchasing check readers and subscribing to an authorization service
  • If using an authorization service, consider keeping records on checks approved in a clear manner 
    • For example, have authorization codes print on the front of the check at acceptance 
  • Consider not accepting out of state checks (more than two states away) or home-generated checks
  • Train employees on identification procedures
    • This may include providing training on what is required to accept a check and how to  decline checks or credit cards when they are not acceptable to the established business rules as indicated on the posted check/credit card acceptance policy
    • Refresher training may have to be provided on an ongoing basis (at least quarterly)
  • Consider positive feedback or other incentives for preventing frauds

Closed Circuit or Digital Camera Guidelines

  • Secure camera placements and the recording area need to be well planned before installation 
  • Place cameras to ensure facial images are recorded
  • Quality and size of the video/picture must be clear to promote positive identify of suspects
    • Obstructed views and disguises, including baseball hats, need to be taken into account
  • Do not record from the ceiling; rather place the camera at eye level
  • Cameras may be out of sight, but consider signage notifying your customers
  • Place cameras over customer entry points and the parking lot to record vehicles and license plates, if possible
  • Consider distance as cameras and images, which are clear, but too far away, may have limited value
  • Consider maintaining at least 90 days of image/video storage
  • Perform camera system maintenance (lens cleaning, video tape replacement after 30 uses, refocusing, and system testing)
  • Consider pulling and cueing up video for law enforcement, as a normal business practice, should you have a fraud loss

 



Ramsey County Sheriff’s Office
Minnesota's First Law Enforcement Agency - Established 1849

Sheriff Matt Bostrom