,FOR3705 EXAM Q AND ANSWERS 2026
QUESTION 1
1.1 Indicate the correct statement:
a) Intelligence professionals employ limited techniques to obtain valuable
information.
b) Non-public information is open to the public.
c) Intelligence professionals cannot use open-source information to conduct
background research on targets.
d) Open-source information is information in the public domain.
e) Generally, human intelligence is not gathered from subject matter experts and
informed individuals.
1.2 Indicate the incorrect statement:
a) There are two basic types of admissible evidence: direct or circumstantial. Direct
evidence shows prima facie the facts at issue; it proves the fact directly.
b) A document can be a piece of physical evidence and not just a source of
information.
c) To maintain good organisation of documents in complex cases, fraud examiners
should use the following methods: segregate the documents, make a key
document file, establish a database, maintain a chronology and keep a to-do list.
d) Expert document examination results found as part of a fraud investigation cannot
corroborate or refute statements by witnesses or fraud suspects.
e) Most forensic document examinations concern signatures, handwriting, or
documents created by a typewriter/computerised printer.
1.3 Indicate the correct statement:
24
, a) One of the general objectives of all covert operations is to identify those engaged
in possible illegal activity.
b) Undercover operations seek to develop evidence indirectly from people involved in
an offence through the use of disguise and deceit.
c) A covert operation involves some of the less costly and safe work a fraud
investigator can undertake.
d) If a covert operation could be conducted in another way, the fraud investigator
should opt for covert operations.
e) Surveillance is normally concerned with the unintentional observation of people.
1.4 Indicate the incorrect statement:
a) Public records are documents that a governmental agency is required to keep by
law or that are necessary to discharge the duties imposed by law.
b) Public records can be searched manually or online through governmental agency
websites and online public databases.
c) Publicly available information is information that has lawfully been published or
broadcast to the public for consumption.
d) Non-public records – financial or otherwise – might be needed to prove fraud or to
provide leads in a financial crime investigation.
e) Members of the public and fraud investigators have an absolute right to access
non-public records.
25
, 1.5 Indicate the correct statement:
a) The financial profile might yield direct evidence of illegal income or hidden assets,
or circumstantial evidence of these, by showing that the subject’s expenditures
exceeded known sources of income.
b) When using the net worth method of analysis, the fraud examiner should begin by
establishing a behavioural profile for the subject.
c) While the financial profile works best for large transactions, the behavioural profile
is best at identifying smaller activities and smaller currency transactions.
d) The behavioural profile does not reveal the subject’s lifestyle indicators, such as
large amounts of cash and expensive housing that may suggest that the subject is
living beyond his or her apparent means or has hidden wealth or assets.
e) The behavioural profile is not appropriate to provide evidence of a possible motive
of the crime, such as large debts and additional evidence of illicit funds.
[10]
QUESTION 2
TRUE OR FALSE QUESTIONS
Indicate if the following statements are true or false. Only write down the number of the question
and then true or false, depending on the answer. Each question counts 1 mark.
Example:
2.6 True
2.7 False
2.8 False
2.1 The net worth analysis is based on the reality that any recipient of income, whether
honest or dishonest, can dispose of his or her income in only four ways: save it, buy
assets, pay off debts, or spend it. true
2.2 Fraud examiners should use the asset method when the suspect’s known expenditures
and known sources of funds during a given period are compared.
false
2.3 To analyse the subject’s financial status using the expenditures method, fraud examiners
should take three steps.
true
26
QUESTION 1
1.1 Indicate the correct statement:
a) Intelligence professionals employ limited techniques to obtain valuable
information.
b) Non-public information is open to the public.
c) Intelligence professionals cannot use open-source information to conduct
background research on targets.
d) Open-source information is information in the public domain.
e) Generally, human intelligence is not gathered from subject matter experts and
informed individuals.
1.2 Indicate the incorrect statement:
a) There are two basic types of admissible evidence: direct or circumstantial. Direct
evidence shows prima facie the facts at issue; it proves the fact directly.
b) A document can be a piece of physical evidence and not just a source of
information.
c) To maintain good organisation of documents in complex cases, fraud examiners
should use the following methods: segregate the documents, make a key
document file, establish a database, maintain a chronology and keep a to-do list.
d) Expert document examination results found as part of a fraud investigation cannot
corroborate or refute statements by witnesses or fraud suspects.
e) Most forensic document examinations concern signatures, handwriting, or
documents created by a typewriter/computerised printer.
1.3 Indicate the correct statement:
24
, a) One of the general objectives of all covert operations is to identify those engaged
in possible illegal activity.
b) Undercover operations seek to develop evidence indirectly from people involved in
an offence through the use of disguise and deceit.
c) A covert operation involves some of the less costly and safe work a fraud
investigator can undertake.
d) If a covert operation could be conducted in another way, the fraud investigator
should opt for covert operations.
e) Surveillance is normally concerned with the unintentional observation of people.
1.4 Indicate the incorrect statement:
a) Public records are documents that a governmental agency is required to keep by
law or that are necessary to discharge the duties imposed by law.
b) Public records can be searched manually or online through governmental agency
websites and online public databases.
c) Publicly available information is information that has lawfully been published or
broadcast to the public for consumption.
d) Non-public records – financial or otherwise – might be needed to prove fraud or to
provide leads in a financial crime investigation.
e) Members of the public and fraud investigators have an absolute right to access
non-public records.
25
, 1.5 Indicate the correct statement:
a) The financial profile might yield direct evidence of illegal income or hidden assets,
or circumstantial evidence of these, by showing that the subject’s expenditures
exceeded known sources of income.
b) When using the net worth method of analysis, the fraud examiner should begin by
establishing a behavioural profile for the subject.
c) While the financial profile works best for large transactions, the behavioural profile
is best at identifying smaller activities and smaller currency transactions.
d) The behavioural profile does not reveal the subject’s lifestyle indicators, such as
large amounts of cash and expensive housing that may suggest that the subject is
living beyond his or her apparent means or has hidden wealth or assets.
e) The behavioural profile is not appropriate to provide evidence of a possible motive
of the crime, such as large debts and additional evidence of illicit funds.
[10]
QUESTION 2
TRUE OR FALSE QUESTIONS
Indicate if the following statements are true or false. Only write down the number of the question
and then true or false, depending on the answer. Each question counts 1 mark.
Example:
2.6 True
2.7 False
2.8 False
2.1 The net worth analysis is based on the reality that any recipient of income, whether
honest or dishonest, can dispose of his or her income in only four ways: save it, buy
assets, pay off debts, or spend it. true
2.2 Fraud examiners should use the asset method when the suspect’s known expenditures
and known sources of funds during a given period are compared.
false
2.3 To analyse the subject’s financial status using the expenditures method, fraud examiners
should take three steps.
true
26
