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Fraud Management in the 21st Century

THE 20TH CENTURY PROGRAM In1999, the internal audit teamatToscoCorporation, an oil refining and marketing company with annual revenues of $28 billion, developed one of the first risk-based fraud detection programs that made significant use of software. They built on research discussed in the writings of Joe Wells (founder of the Association of Certified Fraud Examiners) that explained how most frauds left a trail in the organization’s records. For example, a scheme involving collusion with a vendor would generally result in a concentration of purchases from that vendor and a higher level of related costs. A fraud detection program would search for those clues, and likely situations would be investigated. Tosco already had the typical fraud prevention activities in place: