welcome organised by:sponsored by:. opening remarks from the chair martin hilditch, acting editor,...
TRANSCRIPT
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WELCOMEOrganised by: Sponsored by:
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Opening remarks from the ChairMartin Hilditch, Acting Editor, Inside Housing
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Amandeep JhawarAudit DirectorService Matters
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Mark ConnollyTenancy Fraud Office Orbit East and South
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Fraud expertise
Amandeep Jhawar, Audit Director, Service Matters• Lead on number of fraud investigations in the social
housing sector• Lead on strategy of illegal subletting with BCC and 10
other social landlords (recognised as best practice by Audit Commission).
Mark Connolly, Tenancy Fraud Officer, Orbit East & South
• Currently seconded to the role of tenancy fraud officer• Exclusively investigating fraud since July 2013• 10 years neighbourhood officer experience
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• Profile of a fraudster• Types of fraud – case studies• Protection from fraud• Orbit Group’s approach to tenancy fraud
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Global profile of a fraudster• Age: 70% of fraudsters are aged between 36 and 55• Employment: 61% of fraudsters are employed by the defrauded
organisation. Of these, 41% were employed there for over 6 years• 70% of frauds involved collusion• 56% of fraud relates to misappropriation of assets (27% being
procurement fraud)• 24% revenue or asset gain
Opportunity – change in personal circumstances or business pressuresMotivation – financial greed being the leadRationale – superiority (because I can – 29% frauds committed by ED)
Source: KPMG International Global profiles of the fraudster 2013
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Case study
• Maintenance Manager aged 38• Employee for 8 years• Colluded with third party
contractors
• Rationale: overlooked for promotion
• Opportunity: weak internal controls
• Motivation: financial greed
Silent Partner (Maintenance Company)£1.3m over 5 years
Working 7am – 7pm each day Popular The life and soul of the party Fixer Earning £32k per annum Spending 3 months in South
Africa, Australia and Cuba Owning a £25k 4x4 Owning a £500k property
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If I wanted to defraud your social landlord, I would…
Build relationships
Try my luck
Manipulate system weaknesses
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…build close relationships…Lettings Manager
• Took money to manipulate waiting lists
Finance Officer• Amended cheques• £3k
Housing Officer• Evicted tenant and stole items
CEO• Befriended 3rd parties• Gave them properties
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…try my luck…
500,000 invoices• £500,000• £5,000
Tender information• Tenant sold to bidder
Tenant account• £6,000• Third party criminal
Tenant data• Sold to loan companies
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…manipulate current systems…
Poor managementProcurement card
• £10,000• B&Q laminate
flooring
Expenses• £7,000• Non-existent
mileage
Poor system designFinance systems
• Bogus supplier• Bank account
Cash theft• £10,000 of
resident’s monies
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If I wanted to protect your social landlord from fraud, I would…
Prevention• Don’t let them into the organisation• Understand the fraud risks within
your organisation• Perceived as an organisation with
zero tolerance• Separation of duties/culture of
compliance• Raise awareness of fraud – e-learning• Robust ICT security – ISO 27001
Detection• Working patterns• Strong culture of
confidential reporting• Variance analysis• Personal life style
Internal / external audit Declaration of interest Probity policy
Anti-fraud strategy Awareness training Fraud control assessments
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“You cannot eliminate fraud, just reduce your
exposure.”
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What is tenancy fraud?
• Subletting (usually at much higher rents)
• Non occupancy by tenant as principal home
• Obtaining tenancies by deception
• Attempts to obtain successions by deception
• Paying money to exchange properties
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How we came to tackle fraud in Bexley
• Part of South East London Housing Partnership (SELHP) committed to tackling social housing fraud
• Funding from local authority (Bexley keen to pursue fraud)
• Bring in Fraud investigators from Southwark Council or internal secondment
• Orbit Group decided on internal secondment to tackle tenancy fraud for long term benefit
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Investigations
• Identify fraud through referrals and data matching
• Visit at unsociable hours (5.30am to 11pm)
• Use tools – credit checks, Facebook, Google, LinkedIn, 192.com, electoral register
• Partnership with local authorities and other social landlords
• Work to counter tenant claims – i.e. they work 6am to 11pm
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Successes
• Raised awareness throughout Orbit South leading to referrals from internal and external customers – 101 referrals (August 2013 to date)
• 28 properties recovered (August 2013 to date)
• £18,000 home loss payments prevented (Erith Park Redevelopment)
• £216,000 Right to Buy discounts prevented
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Successes
• £11,000 arrears recovered / prevention of accruing arrears
• £140,000 Housing and Council Tax Benefit fraud uncovered for the council to pursue
• 5 ASB cases resolved early through fraud investigations
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Service Matters• Delivering services to help build
communities
• We help social landlords to deliver added value, cost savings and compliance
• Service Matters’ commercial thinking will generate efficiency savings to Orbit
• NHF Housing Finance Conference 2014 – visit us at stand 63
www.servicematters.uk.com
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QUESTIONS &ANSWERS
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Closing remarks from the ChairMartin Hilditch, Acting Editor, Inside Housing
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THANK YOUThe webinar is now closed
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