FOR3705
Assignment 2
Due 2025
,Forensic Crime Intelligence
Question 1
Explain how the behavioural profile could fill information gaps in a financial
profile.
A financial profile mainly focuses on measurable and concrete aspects such as income,
property ownership, debts, and transaction records. While these details show what a
person earns or spends, they often do not explain the reasons behind unusual or
suspicious financial behaviour. This is where a behavioural profile becomes essential.
A behavioural profile examines psychological traits, lifestyle patterns, motivations, and
social connections that can influence financial decisions. For instance, if someone
suddenly displays wealth without a clear source, the behavioural analysis could reveal
factors such as gambling problems, links to organised crime, or reckless financial
habits. It can also highlight issues like risk appetite, stress levels, or lifestyle pressures
that may explain irregular spending or investment choices.
In short, the behavioural profile adds depth and context to raw financial information. It
bridges gaps in incomplete financial records, strengthens the interpretation of financial
findings, and helps generate new investigative leads pointing to possible criminal
conduct.
Question 2
A local municipality in Limpopo notices suspicious payments to a dormant construction
company.
2.1 Business profiling records and documents to examine (5)
1. Company registration papers – to review incorporation details, directorship
history, and proof of dormancy.
2. Tax records – including VAT, PAYE, and company tax filings for compliance
checks.
, 1. Financial reports and audits – to evaluate solvency, liquidity, and operational
status.
2. Tender and contract files – covering bid submissions, adjudication processes,
and award decisions.
3. Employee and payroll records – to confirm whether the company employs
qualified staff capable of delivering services.
2.2 Information sources for business profiling (5)
1. CIPC (Companies and Intellectual Property Commission) – for verified
company and director records.
2. SARS (South African Revenue Service) – for tax compliance data and financial
irregularities.
3. Banks and financial institutions – for account transactions, loans, and credit
facilities.
4. Municipal procurement databases – for supplier registration details, awarded
contracts, and bidding history.
5. Open-source intelligence (OSINT) – such as business directories, media
coverage, trade references, and whistle-blower information.
Question 3
Using the net-worth method to investigate the finance manager (5).
The net-worth method is a financial investigative tool that compares a person’s declared
income with the increase in their assets over a set timeframe. To apply this approach to
the finance manager, investigators would:
1. Establish the manager’s declared salary and legal sources of income.
2. List all assets, including property, vehicles, investments, and bank balances, at
the beginning of the review period.
3. Recalculate the asset portfolio at the end of the same period.
4. Compare the growth in assets with the reported income.
Assignment 2
Due 2025
,Forensic Crime Intelligence
Question 1
Explain how the behavioural profile could fill information gaps in a financial
profile.
A financial profile mainly focuses on measurable and concrete aspects such as income,
property ownership, debts, and transaction records. While these details show what a
person earns or spends, they often do not explain the reasons behind unusual or
suspicious financial behaviour. This is where a behavioural profile becomes essential.
A behavioural profile examines psychological traits, lifestyle patterns, motivations, and
social connections that can influence financial decisions. For instance, if someone
suddenly displays wealth without a clear source, the behavioural analysis could reveal
factors such as gambling problems, links to organised crime, or reckless financial
habits. It can also highlight issues like risk appetite, stress levels, or lifestyle pressures
that may explain irregular spending or investment choices.
In short, the behavioural profile adds depth and context to raw financial information. It
bridges gaps in incomplete financial records, strengthens the interpretation of financial
findings, and helps generate new investigative leads pointing to possible criminal
conduct.
Question 2
A local municipality in Limpopo notices suspicious payments to a dormant construction
company.
2.1 Business profiling records and documents to examine (5)
1. Company registration papers – to review incorporation details, directorship
history, and proof of dormancy.
2. Tax records – including VAT, PAYE, and company tax filings for compliance
checks.
, 1. Financial reports and audits – to evaluate solvency, liquidity, and operational
status.
2. Tender and contract files – covering bid submissions, adjudication processes,
and award decisions.
3. Employee and payroll records – to confirm whether the company employs
qualified staff capable of delivering services.
2.2 Information sources for business profiling (5)
1. CIPC (Companies and Intellectual Property Commission) – for verified
company and director records.
2. SARS (South African Revenue Service) – for tax compliance data and financial
irregularities.
3. Banks and financial institutions – for account transactions, loans, and credit
facilities.
4. Municipal procurement databases – for supplier registration details, awarded
contracts, and bidding history.
5. Open-source intelligence (OSINT) – such as business directories, media
coverage, trade references, and whistle-blower information.
Question 3
Using the net-worth method to investigate the finance manager (5).
The net-worth method is a financial investigative tool that compares a person’s declared
income with the increase in their assets over a set timeframe. To apply this approach to
the finance manager, investigators would:
1. Establish the manager’s declared salary and legal sources of income.
2. List all assets, including property, vehicles, investments, and bank balances, at
the beginning of the review period.
3. Recalculate the asset portfolio at the end of the same period.
4. Compare the growth in assets with the reported income.
