Situation
Over several months a person transfers savings to accounts named by someone met online, who presents the payments as temporary help or as an investment opportunity.
What we do
- Mapping of all beneficiary accounts and banks
- Assessment of the sending bank's warning and verification duties
- Complaint to the bank and, if needed, to the financial ombudsman
- Coordination of the criminal complaint
What the analysis can show
Which banks received the funds and in which countries, the pattern of payments, and whether warning signs should have been flagged by the sending bank.
Limits
Payments authorised by the client are treated differently from unauthorised ones. Reimbursement depends on the applicable rules and on the bank's conduct.
Possible routes
Bank complaint; ombudsman procedure; criminal complaint; civil claim if a liable party can be identified.
Illustrative scenarios. Any resemblance to real persons or cases is coincidental. Outcomes depend on the facts of each case and on the procedures available.