UNIVERSITY OF SOUTH AFRICA (UNISA)
College of Law — School of Criminal Justice
⋄
Advanced Forensic
Crime Intelligence
Assessment 2 — Semester 1, 2026
⋄
Module Code: FOR3705
Module Name: Advanced Forensic Crime Intelligence
Assessment: Assignment 2
Semester: Semester 1, 2026
Due Date: 23 March 2026
Total Marks: 100
Qualification: BCom Forensic Accounting / BA Crimi-
nal Justice
Institution: University of South Africa
Submitted in partial fulfilment of the requirements for the above-mentioned module at UNISA.
All work is the student’s own unless otherwise cited.
,UNISA | FOR3705 Advanced Forensic Crime Intelligence
Contents
Question 1: Financial vs Behavioural Profiling 3
Question 2: Lifestyle Indicators 6
Question 3: MISS Document Classification 8
Question 4: Net-Worth Analysis 11
Question 5: Business Profiling 14
Question 6: Document Management Policies 17
Question 7: Business Profile Defined 20
Question 8: Preparing a Financial Profile (Essay) 21
Reference List 24
Page 2 of 24
, UNISA | FOR3705 Advanced Forensic Crime Intelligence
Question 1: Financial Profile vs Behavioural Profile in Financial Crime Detec-
tion [10]
1.1 Conceptual Overview
Two distinct but complementary investigative tools sit at the heart of financial crime detec-
tion: the financial profile and the behavioural profile. Understanding how they differ, and
where they overlap, is essential for any forensic investigator.
A financial profile is a structured document that captures, organises, and analyses an in-
dividual’s or entity’s financial data. It draws on quantifiable information such as income, as-
sets, liabilities, expenditure patterns, and wealth accumulation trends (Albrecht et al., 2019).
The core purpose is to establish a clear picture of economic reality, particularly to determine
whether a person’s financial position can be explained by their known, legitimate income sources.
A behavioural profile, on the other hand, examines psychological tendencies, lifestyle choices,
personal relationships, and conduct indicators. It is less about numbers and more about pat-
terns of behaviour that may signal dishonesty, risk tolerance, or motive (Benson and Simpson,
2018). In fraud investigations, behavioural profiling helps identify why someone might com-
mit financial crime and whether their conduct is consistent with a person concealing wealth or
engaging in corrupt activity.
1.2 Key Elements Compared
Element Financial Profile Behavioural Profile
Primary Focus Quantitative financial data Qualitative conduct and
lifestyle
Data Sources Bank statements, tax returns, Interviews, social media,
property registers, payroll surveillance, peer reports
Key Indicators Unexplained assets, income vs. Lavish spending, secrecy, sud-
expenditure gaps, cash flow den lifestyle changes, stress
anomalies responses
Purpose in Investi- Determine financial discrepancy Establish motive, intent, and
gation pattern of deception
Page 3 of 24
College of Law — School of Criminal Justice
⋄
Advanced Forensic
Crime Intelligence
Assessment 2 — Semester 1, 2026
⋄
Module Code: FOR3705
Module Name: Advanced Forensic Crime Intelligence
Assessment: Assignment 2
Semester: Semester 1, 2026
Due Date: 23 March 2026
Total Marks: 100
Qualification: BCom Forensic Accounting / BA Crimi-
nal Justice
Institution: University of South Africa
Submitted in partial fulfilment of the requirements for the above-mentioned module at UNISA.
All work is the student’s own unless otherwise cited.
,UNISA | FOR3705 Advanced Forensic Crime Intelligence
Contents
Question 1: Financial vs Behavioural Profiling 3
Question 2: Lifestyle Indicators 6
Question 3: MISS Document Classification 8
Question 4: Net-Worth Analysis 11
Question 5: Business Profiling 14
Question 6: Document Management Policies 17
Question 7: Business Profile Defined 20
Question 8: Preparing a Financial Profile (Essay) 21
Reference List 24
Page 2 of 24
, UNISA | FOR3705 Advanced Forensic Crime Intelligence
Question 1: Financial Profile vs Behavioural Profile in Financial Crime Detec-
tion [10]
1.1 Conceptual Overview
Two distinct but complementary investigative tools sit at the heart of financial crime detec-
tion: the financial profile and the behavioural profile. Understanding how they differ, and
where they overlap, is essential for any forensic investigator.
A financial profile is a structured document that captures, organises, and analyses an in-
dividual’s or entity’s financial data. It draws on quantifiable information such as income, as-
sets, liabilities, expenditure patterns, and wealth accumulation trends (Albrecht et al., 2019).
The core purpose is to establish a clear picture of economic reality, particularly to determine
whether a person’s financial position can be explained by their known, legitimate income sources.
A behavioural profile, on the other hand, examines psychological tendencies, lifestyle choices,
personal relationships, and conduct indicators. It is less about numbers and more about pat-
terns of behaviour that may signal dishonesty, risk tolerance, or motive (Benson and Simpson,
2018). In fraud investigations, behavioural profiling helps identify why someone might com-
mit financial crime and whether their conduct is consistent with a person concealing wealth or
engaging in corrupt activity.
1.2 Key Elements Compared
Element Financial Profile Behavioural Profile
Primary Focus Quantitative financial data Qualitative conduct and
lifestyle
Data Sources Bank statements, tax returns, Interviews, social media,
property registers, payroll surveillance, peer reports
Key Indicators Unexplained assets, income vs. Lavish spending, secrecy, sud-
expenditure gaps, cash flow den lifestyle changes, stress
anomalies responses
Purpose in Investi- Determine financial discrepancy Establish motive, intent, and
gation pattern of deception
Page 3 of 24
