Introduction – (Anti – fraud Section)
The Anti-fraud section under Crime two has been in existence since Zambia’s Independence. The Assistant Director - Crime two is responsible for all matters relating to frauds, Interpol, financial and cybercrimes and supervises all anti-fraud units in the Zambia Police. The offices for Anti-frauds can be found at national, divisional and district levels.
Fraud
Such crimes are mostly committed by well educated people working as a syndicate and are usually referred to as ‘white collar crimes’. In most instances, rewards from fraud are much greater.
The main functions of the Anti-fraud unit are as follows-:
The section has officers who are trained and specialized in investigating: -
Elements of fraud
Financial fraud-these are monetary crimes were perpetrators either falsify or forge documents such as vouchers, cheaque or any other accounting documents in order to obtain money fraudulently.
Forgery-this type of fraud is related to falsifying and forgery of official documents such as title deeds, passports, academic certificates, driving licenses and National Registration Cards among other documents.
Insurance fraud- insurance fraud is any act committed with intent to fraudulently obtain payment from an insurer.
Credit card fraud-the fastest growing type of credit card fraud is counterfeiting. Recently, most counterfeits were manufactured using card readers to steal information from genuine cards to plastic card ones.
CREDIT CARD FRAUD (SKIMMIMG)
A criminal may use different ways when obtaining or collecting someone’s data among them:-
Once the criminals steal this data, they then use it for Hotel booking, Airline booking, buying of goods through internet or a shop or even paying off bills etc.
ON LINE BANKING (PHISHING)
This type of crime is committed when an unknown person requests for your bank details through website providers or the hacker. Once these details are given out, the hacker uses the same information to steal money from the unsuspecting customer.
DETECTION OF FRAUD
Fraud can be detected through –
You may also wish to know that all offences committed under frauds are punishable by law and below are some of the cases and sections in the penal code of the laws of Zambia.
Unauthorized access to data C/Sec 99 of EFT Act of 2009.