This was a carefully constructed fraud and appears to have involved many people.

Like with any other program, they're already detecting fraud, with people coming back two and three times,

People are getting more creative and sophisticated in their fraud schemes.

I have never dealt with anything like this. The level of fraud like this involving people, I have not. When we hear of fraud, we think of bank fraud or confidence schemes.

There are always people out there looking to get around fraud measures. So we'll continue to work to stay ahead of the fraudsters.

People have developed a false sense of security when it comes to checks. They feel check fraud is something that happens to someone else.