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We communicated often. She found herself up late at night just so we could chat. We decided that we should be really good friends, but probably should not tell many people about how close we got. We just had normal conversations over a few months, then it happened. I had an opportunity to visit India again in April of 2008. We started chatting even more. She asked if I could bring her a few things from the U.S.. She wanted a T-Shirt and a swimsuit. Since I had a girl friend, I had to make sure I could get these into my suit case without being caught. I went to the store about an hour before heading to the airport and picked up some sexy underwear and a white swimsuit. I was very anxious the entire trip. I was not sure what was going to happen. I was hoping for a lot, but had no way of knowing for sure. Almost 24 hours later, I landed. One of my other team members met me at the airport. We talked for a bit and he said he would contact me the next day. It was 1 am, so I headed to the. Occasionally it’s something more serious like a raid on a series of card numbers for charging porn. The Internet makes it more difficult to track some of those uses, but we are vigilant about protecting the customer and where we can make an impact we prosecute the offender.”It was what I expected. Both State and Federal Laws are specific about the responsibility of financial institutions to protect their customers from fraud. But they weren’t required to press charges. Business crimes occur every day and wasting their money on small cases isn’t profitable for an institution’s shareholders. But losses are something every manager at every level is responsible for—whether they are in banking, designing software, or selling shoes. If losses were increasing, however moderately, it was going to raise red flags.“A basis point is one-hundredth of a percent of the company profit. It is a tough market out there and a downward shift of a single basis point could mean millions of dollars in.
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