Tips to Prevent Financial Fraud

Let’s take a moment to address a serious issue that affects many customers: credit card scams. With the rise of digital transactions, it’s more important than ever to stay vigilant and informed. As a technology leader at Chase, I wanted to share a few tips to help you safeguard your financial information: 1. Monitor Your Accounts: Regularly check your bank and credit card statements for any unauthorized transactions. Report any suspicious activity immediately. 2. Utilize Chase's Credit Journey ID Monitoring: Take advantage of our Credit Journey service, which provides free credit monitoring and alerts calling out changes to your credit report. Anyone can use this free tool can help you spot potential fraud early. You don’t have to be a Chase customer. 3. Beware of Phishing Scams: Be cautious of unsolicited emails, texts or phone calls asking for personal information. Always verify the source before sharing any sensitive data. 4. Use Strong Passwords: Create complex passwords for your online accounts and change them regularly. Consider using a password manager to keep track of them securely. 5. Enable Two-Factor Authentication: Adding an extra layer of security can significantly reduce the risk of fraud. Whenever possible, enable two-factor authentication on your financial accounts. 6. Stay Informed: Educate yourself about the latest scams and tactics used by fraudsters. Knowledge is one of the best defenses against becoming a victim. At Chase, we are committed to keeping your information safe and secure. Our advanced security measures help protect your accounts, but your vigilance is crucial. Together, we can combat credit card fraud and keep our communities safe. Check out this recent post to learn more about steps you can take if you suspect your identity has been stolen. Stay alert and protect your financial well-being! #FraudPrevention #SecurityFirst #CreditJourney

It is becoming difficult to identify and prevent wire transfer fraud (WTF). Recently, a threat actor was able to steal $25M by using Deep Fake AI to impersonate a CEO and other management on a video call.  See https://lnkd.in/ermje-5j. In an even more challenging example, a small bank's ACTUAL long-time CEO was dupped, and caused his employees to make ten wire transfers equaling more than $47M. See https://lnkd.in/eh-Xqagv. If we can't trust a real looking/sounding fake CEO and we can't trust an ACTUAL CEO, how can we ever prevent WTF? Here are some tips:   1. INDEPENDENT RESEARCH: At least one employee involved in an "unusual" wire transfer (i.e., unusual considering size, payee, payment method, situation, need for speed, new wire information, etc.) should independently research the transaction to confirm its validity. This employee should fill out pre-prepared worksheets to document that all of the steps below were taken. Such investigation might include: •  Speaking directly with the person requesting the wire or the change in the wire to understand: (a) the purpose of the wire; (b) the origin of the request; and (c) how the request was made (e.g., by email). Always call that person directly using his or her known contact information. Also, consider speaking directly with the originator of the request, if that is someone different than the requestor.    •  Independently looking up the payee (perhaps on a personal device, in case the network is infected) to understand what the payee does, whether the payment makes sense, and whether there are any reputational issues with the payee (e.g., check the BBB website, State AGs, or other sites.)     • Independently finding the true phone number of the payee, and calling the payee to verify the wire transfer information is accurate.    • Speaking directly with someone more senior than the requestor to confirm the transaction is legitimate. If the requestor is the CEO, and the transaction is significant enough, speak with someone on the board or outside counsel.  In advance, create a contact list with the relevant approvers.        2. DUAL CONTROL: At least two employees should approve every significant transfer. Ideally, there are technical controls (e.g., two separate MFA approvals) to ensure both employees have approved.   3. WRITTEN PROCEDURE:  Your procedure should be documented and updated annually. Written validation logs should also be retained.   4. TRAINING: Everyone involved should be trained on the procedure upon onboarding and at least annually.   5. TABLETOP EXERCISES: This is another big one. Consider conducting "WTF tabletop exercises" at least annually. Test your procedure with challenging situations, such as a deep fake CEO or a real CEO who has been dupped.    6. ESCROW OPTIONS: For significant transactions, consider whether there are options to transfer the funds into an escrow or other safe account until you can fully validate the payee or the transaction.    

80% of Financial Frauds Are Now Digital—Are We Prepared? The number of digital financial frauds skyrocketed in FY24, growing more than four times year-on-year. The message is clear: the battlefield of financial fraud has gone digital, and so must our defences. Relying on single-layered security measures is like locking your front door but leaving your windows wide open. Fraudsters are becoming more sophisticated, leveraging phishing, malware, and identity theft to exploit vulnerabilities across the digital ecosystem. Solution? 𝐑𝐨𝐛𝐮𝐬𝐭 𝐦𝐞𝐚𝐬𝐮𝐫𝐞𝐬 𝐭𝐡𝐚𝐭 𝐰𝐚𝐭𝐜𝐡, 𝐥𝐞𝐚𝐫𝐧, 𝐚𝐧𝐝 𝐚𝐜𝐭 𝐢𝐧 𝐫𝐞𝐚𝐥-𝐭𝐢𝐦𝐞. Here’s what a multi-layered framework looks like in action: ✅ 𝐁𝐞𝐡𝐚𝐯𝐢𝐨𝐫𝐚𝐥 𝐀𝐧𝐚𝐥𝐲𝐭𝐢𝐜𝐬: AI monitors real-time user behaviour—location changes, sudden high-value transactions—and triggers step-up authentication if something feels off. ✅ 𝐁𝐢𝐨𝐦𝐞𝐭𝐫𝐢𝐜 𝐀𝐮𝐭𝐡𝐞𝐧𝐭𝐢𝐜𝐚𝐭𝐢𝐨𝐧: Fingerprints and facial recognition provide nearly impossible-to-spoof ID checks, shutting down common phishing and credential attacks. ✅ 𝐃𝐲𝐧𝐚𝐦𝐢𝐜 𝐑𝐢𝐬𝐤 𝐒𝐜𝐨𝐫𝐢𝐧𝐠: Every transaction gets a risk profile. Unusual device types, odd transaction sizes, and abnormal frequencies get flagged, prompting further checks. ✅ 𝐄𝐧𝐝-𝐭𝐨-𝐄𝐧𝐝 𝐄𝐧𝐜𝐫𝐲𝐩𝐭𝐢𝐨𝐧: Even if criminals intercept data in transit, encryption ensures it’s just scrambled noise, not usable information. ✅ 𝐒𝐞𝐜𝐮𝐫𝐞 𝐀𝐏𝐈𝐬: As businesses integrate with partners, secure APIs validate incoming requests and ward off unauthorized intrusions at the integration points. 𝘙𝘦𝘮𝘦𝘮𝘣𝘦𝘳: Digital fraud isn’t going away—it’s evolving. The only way to stay ahead is to think like a fraudster while building like a strategist. How do you safeguard your digital financial operations? Share your approach in the comments below. #DigitalFraud #FinancialFraud #Cybersecurity

Most businesses think funds transfer fraud will never reach them, until it does. All it takes is one rushed email, one account change request, or one moment of trust in the wrong place. Once the money moves, it’s almost impossible to get it back. Ask yourself: what would happen if someone requested a new account or urgent transfer today? Would it be verified, or would the money move without question? If you are responsible for keeping cash in your business accounts, run a short, discreet test this week. ☛ A few small steps can prevent big losses: ✔ Confirm payment changes with a phone call you place to a number you already know. ✔ Require dual approval for wires and ACH. ✔ Separate who requests, who approves, and who releases. ✔ Review your vendor and client contact info regularly and maintain known good numbers. Fraud prevention is not about paranoia. It’s about process and discipline. ⚑ Learn more from this U.S. Secret Service resource on preventing wire fraud: https://lnkd.in/ehs-eNyn #FraudPrevention #Cybersecurity #BusinessSecurity #WireFraud #SMB #FinancialSafety #FundsTransferFraud #RiskManagement #SecureBusiness

It's important to recognize that you are continuously targeted by scammers, fraudsters, and cybercriminals who are attempting to exploit your vulnerabilities. These threats often come in the form of urgent messages designed to create panic, such as fraudulent alerts from financial institutions. Whether or not you have an account with the institution, these tactics are intended to prompt a hasty response, potentially leading you into their trap. When you receive such a message, it's crucial to remain calm and deliberate in your response. Consider the following steps: Verify the Relationship: - Ask yourself, "Do I have a product or account with this bank?" - If the answer is no, this is likely a phishing or smishing attempt. - If the answer is yes, do not click any links in the message. Instead, contact your bank or financial institution directly to verify the legitimacy of the alert and get guidance on next steps. Assess the Communication Method: - Consider whether it's typical for your financial institution to contact you via text or email with a link. Most reputable institutions will not ask you to provide sensitive information through these channels. Cross-Check with Other Communications: - If the message mentions an attack, check your email or other secure communication channels for any corresponding alerts from your financial institution. By asking these critical questions, you can significantly reduce your risk of falling victim to a scam. Additionally, follow these best practices to safeguard your personal information: - Avoid Password Reuse: Never use the same password across multiple sites or accounts. - Strengthen Your Email Security: Enable Multi-Factor Authentication (MFA) and consider using an authenticator app to add an extra layer of protection. - Monitor Financial Activity Regularly: Routinely review your bank and credit card statements for any unauthorized transactions. - Set Up Transaction Alerts: Opt in for notifications for every transaction on your bank accounts and credit cards. While no security measure is completely foolproof, taking proactive steps can greatly reduce the chances of a fraudster succeeding. Doing nothing only increases your vulnerability. These are somethings I continue to advocate as a participant in the fraud prevention space. I have to continue to remind myself, that what I think is obvious is not obvious to all. Hence we need to continue to improve literacy around this topic. #FraudPrevention #CyberSecurity #StaySafeOnline #DigitalSecurity #ScamAlert #OnlineSafety #PhishingAwareness #SMShing #CyberAwareness #FraudAwareness #FightFraud #StopScams #SecurityTips #BeVigilant

Fake Jobs Are Recruiting Money Mules, And Many People Do Not Realize It Over the past several years, I have investigated an increasing number of cases in which people believed they were starting a legitimate remote job. In reality, they had been recruited into a money mule network. These operations move stolen funds through personal bank accounts, allowing criminals to hide the trail. The warning signals are surprisingly consistent. If a job requires you to receive money into your personal bank account and send it somewhere else, it is not a job. It is a money laundering operation. Legitimate companies never route client payments through employee accounts. Another major red flag is the payment structure. If the job pays a simple percentage for transferring money and has no real duties, no management structure, and no performance expectations, you are not being hired. You are being used. The company often looks professional at first glance. There may be a logo, a contract, and a polished website. But basic verification usually reveals the truth. No registered address. No corporate filings. No real employees. No verifiable business history. Recruitment is also rushed. The offer arrives quickly. There is little or no interview. Communication occurs via Gmail, WhatsApp, or Telegram rather than a corporate email domain. These tactics are designed to prompt people to act before they stop to investigate. Here is the reality that many people do not realize. Once stolen funds move through your personal bank account, you may become legally connected to the crime even if you did not understand what was happening. The good news is that this type of fraud is highly preventable. Here are the rules I teach. Never accept a job that asks you to receive money into your personal bank account and forward it somewhere else. Research every company independently before accepting an offer. Search the company name along with the word scam or fraud. Check state business registrations and the Better Business Bureau. Be cautious of any remote job that pays commission for transferring funds or converting money to cryptocurrency. If you suspect you have been recruited as a mule, stop all transactions immediately. Contact your bank and report the situation. Then file a report with the FBI Internet Crime Complaint Center at ic3.gov and the Federal Trade Commission at reportfraud.ftc.gov. The most important lesson is simple. Criminals are no longer just hacking systems. They are recruiting people. Fraud prevention today means learning how to recognize manipulation before the money moves.

Yesterday, I had a firsthand encounter with a potential scam that serves as a stark reminder of the importance of vigilance in the digital age. A caller claiming to be from my bank informed me that my Debit Card was blocked and needed immediate activation. What raised alarm bells was the request for my Debit Card number and other personal details. All this happend during my transit. One will be for sure worried about cards being active during travel. How smart the scammers are becoming. 🚨 Beware of Scams: Protecting Your Financial Well-being 🚨 Having spent years in the banking industry, I was fortunate to recognize this as a scam and promptly took action to protect myself. But it got me thinking – this could happen to anyone, including you or your loved ones. Scammers are becoming increasingly crafty, and it's crucial to stay one step ahead. Here are 5 essential ways to safeguard yourself from such scammers: 1. Verify Caller Identity: Always double-check the identity of the caller, especially if they claim to represent your bank. Hang up and call your bank directly using the official contact information listed on their website or your physical debit card. 2. Guard Your Personal Information: Never disclose sensitive information, such as your debit card number, PIN, or other personal details, over the phone or via email. Legitimate financial institutions will never request this information in such a manner. 3. Don't Succumb to Pressure: Scammers thrive on creating a sense of urgency and fear. If you're pressured into making immediate decisions or face threats of consequences, take a step back. Legitimate organizations will allow you time to verify their claims. 4. Educate Your Circle: Share your experiences and insights with your family and friends, especially those who might be more vulnerable to scams. Awareness is a potent tool in fraud prevention. 5. Leverage Technology: Use caller ID, call-blocking apps, and verification tools to screen and identify potential scams. These tools can be invaluable in filtering out suspicious calls. It's crucial to remember that scams can take various forms, and scammers adapt their tactics to stay ahead. Our collective awareness and vigilance can help combat these threats effectively. Let's stay safe, informed, and empower our communities against financial fraud. Your experiences and knowledge could be the shield that protects someone else from falling victim to a scam. 💪💳 #Money #finance #ScamAwareness #FinancialSafety #ProtectYourself #cybercrime

As the end of the year approaches, many individual investors will read about the S&P double-digit returns for this year, maybe get frustrated that their returns were different, and feel a sense of urgency to invest that can lead to rushed and potentially dangerous decision-making. Such as entrusting your money to an untrustworthy person or through a contact made through social media. In my 25 years of experience as an investment fraud lawyer, here are 7 red flags I've found that scream investment fraud. 1. 𝗨𝗻𝗹𝗶𝗰𝗲𝗻𝘀𝗲𝗱 𝘀𝗮𝗹𝗲𝘀𝗽𝗲𝗼𝗽𝗹𝗲 This is the biggest red flag. Never give any money to anyone to invest if they are not licensed to sell investments or provide investment advice. Just don't do it. Ever. Fortunately, there's an easy way to verify that someone is licensed. You can run a free search at https://lnkd.in/e3HyV_PP. 2. 𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 𝗼𝗿 "𝗻𝗼 𝗿𝗶𝘀𝗸" 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀 If it sounds too good to be true, it is. 3. 𝗢𝘃𝗲𝗿𝗹𝘆 𝗰𝗼𝗺𝗽𝗹𝗲𝘅 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀 Most people don't need complicated products like certain annuities or private placements. Wall Street creates these products with high commissions and high fees. Simple portfolios work better for most investors. 4. 𝗦𝘂𝗱𝗱𝗲𝗻 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗶𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗮𝗰𝘁𝗶𝘃𝗶𝘁𝘆 You don't want to see big spikes in trades or dramatic fluctuations in portfolio value. Even if your account is going up, big increases can mean trouble when the market volatility returns (and it will). 5. 𝗜𝗻𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝘁𝗼 𝗿𝗲𝗮𝗰𝗵 𝘆𝗼𝘂𝗿 𝗮𝗱𝘃𝗶𝘀𝗼𝗿 If your financial advisor becomes hard to reach or communication gets sporadic, that's a problem. You need to be able to stay in contact. 6. 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘀𝗼𝗰𝗶𝗮𝗹 𝗺𝗲𝗱𝗶𝗮 WhatsApp, LinkedIn, Facebook, dating apps—If you're fielding investment opportunities through any of those channels, they are are all scams. Every single one of them. 100% of the time. If you don't believe me, I am sorry, but you are wrong. You are risking losing your life savings if you do it. Never give money to someone you met online. There are plenty of legitimate financial professionals in your community that you can drive to and meet face-to-face. 7. 𝗣𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝘁𝗼 𝗮𝗰𝘁 𝗶𝗺𝗺𝗲𝗱𝗶𝗮𝘁𝗲𝗹𝘆 Any investment that requires urgent action without time to think should raise alarms. If you see these red flags, trust your gut. Once the money's gone, it's usually gone from that source for good, even if you get legal help after the fact. That can be an incredibly expensive mistake to make. The good news is that if you do spot the most dangerous investments before you hand over your hard-earned money, you won't have to hire me to deal with the fallout of a scam.

🔐 Protect Yourself from Account Takeover Fraud One of the growing threats we’re seeing across the industry is account takeover fraud, where criminals gain access to your online or mobile banking and move your hard-earned funds before you even realize it. Here are a few simple but powerful steps you can take to help keep your accounts secure: ✅ Use strong, unique passwords — Avoid reusing passwords across different accounts. A password manager can make this easier. ✅ Turn on multi-factor authentication (MFA) — This extra step stops criminals even if they’ve stolen your password. ✅ Stay alert to scams — Fraudsters often pose as bank employees, using urgent or emotional language to trick you into transferring funds or sharing a one-time passcode. If something feels off, hang up and call your bank directly using a verified number. ✅ Monitor your accounts regularly — Set up transaction alerts so you can spot suspicious activity fast. Early detection makes a huge difference. ✅ Keep your devices updated — Regular updates protect against known security flaws that scammers exploit. Remember — we will never ask you to move money to “safe accounts,” share verification codes, or disclose your password. Even with all our safeguards in place, you are the first line of defense. Stay vigilant, ask questions, and don’t hesitate to contact us if something doesn’t look right. David Baker Chief Information Security Officer Volunteer Bank

🔒𝗜𝘀 𝗬𝗼𝘂𝗿 𝗖𝗼𝗺𝗽𝗮𝗻𝘆'𝘀 𝗠𝗼𝗻𝗲𝘆 𝗔𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗦𝗮𝗳𝗲? As a Controller who's worked with businesses of all sizes, I know external threats to your cash aren't the only thing keeping you up at night. Let me break down 7 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝘄𝗮𝘆𝘀 𝘁𝗼 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝗰𝗼𝗺𝗽𝗮𝗻𝘆'𝘀 𝗺𝗼𝗻𝗲𝘆 - both from outside AND inside threats. 1. 𝗧𝘄𝗼 𝗦𝗲𝘁𝘀 𝗼𝗳 𝗘𝘆𝗲𝘀 𝗼𝗻 𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 - No single person should have all the keys to the kingdom. S𝗽𝗹𝗶𝘁 𝘂𝗽 𝘄𝗵𝗼 𝗵𝗮𝗻𝗱𝗹𝗲𝘀 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆, 𝘄𝗵𝗼 𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝘀 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴, and 𝘄𝗵𝗼 𝗰𝗵𝗲𝗰𝗸𝘀 𝘁𝗵𝗲 𝗯𝗼𝗼𝗸𝘀. Big purchase? Make sure at least two people sign off. Trust me, this simple step prevents a lot of headaches. 2. 𝗟𝗼𝗰𝗸 𝗗𝗼𝘄𝗻 𝗬𝗼𝘂𝗿 𝗦𝘆𝘀𝘁𝗲𝗺𝘀 - Think of your financial systems like your house - not everyone needs a key to every room. 𝗚𝗶𝘃𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝗮𝗰𝗰𝗲𝘀𝘀 𝗼𝗻𝗹𝘆 𝘁𝗼 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲𝘆 𝗻𝗲𝗲𝗱 𝗳𝗼𝗿 𝘁𝗵𝗲𝗶𝗿 𝗷𝗼𝗯. Your AP clerk doesn't need to see payroll data, right? 3. 𝗪𝗮𝘁𝗰𝗵 𝗬𝗼𝘂𝗿 𝗖𝗮𝘀𝗵 𝗟𝗶𝗸𝗲 𝗮 𝗛𝗮𝘄𝗸 - 𝗞𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗰𝗮𝘀𝗵 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻 𝗱𝗮𝗶𝗹𝘆 (like checking your personal bank account). Have a solid grip on what's coming in and going out next week, next month, and next quarter. No surprises! 4. 𝗚𝗲𝘁 𝗬𝗼𝘂𝗿 𝗕𝗮𝗻𝗸 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝗶𝗻 𝗢𝗿𝗱𝗲𝗿 - 𝗞𝗲𝗲𝗽 𝗮 𝗺𝗮𝘀𝘁𝗲𝗿 𝗹𝗶𝘀𝘁 𝗼𝗳 𝗔𝗟𝗟 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 (you'd be shocked how many get forgotten). Check them against your books regularly - daily if possible, monthly at minimum. 5. 𝗠𝗮𝗸𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗕𝘂𝗹𝗹𝗲𝘁𝗽𝗿𝗼𝗼𝗳 - 𝗨𝘀𝗲 𝘀𝗲𝗰𝘂𝗿𝗲, 𝗺𝗼𝗱𝗲𝗿𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘀𝘆𝘀𝘁𝗲𝗺𝘀. For big payments, have multiple people review them. Think of it like launching a rocket - multiple checkpoints before liftoff! 6. 𝗦𝘁𝗼𝗽 𝗙𝗿𝗮𝘂𝗱 𝗕𝗲𝗳𝗼𝗿𝗲 𝗜𝘁 𝗛𝗮𝗽𝗽𝗲𝗻𝘀 - Use bank platforms with strong security (like two-factor authentication). 𝗔𝗟𝗪𝗔𝗬𝗦 𝗱𝗼𝘂𝗯𝗹𝗲-𝗰𝗵𝗲𝗰𝗸 𝘃𝗲𝗻𝗱𝗼𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗱𝗲𝘁𝗮𝗶𝗹𝘀 - scammers are getting craftier every day. 7. 𝗪𝗿𝗶𝘁𝗲 𝗗𝗼𝘄𝗻 𝘁𝗵𝗲 𝗥𝘂𝗹𝗲𝘀 - Document everything! 𝗛𝗮𝘃𝗲 𝗰𝗹𝗲𝗮𝗿 𝗽𝗼𝗹𝗶𝗰𝗶𝗲𝘀 𝗳𝗼𝗿 𝗵𝗮𝗻𝗱𝗹𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆 𝗮𝗻𝗱 𝘀𝘁𝗶𝗰𝗸 𝘁𝗼 𝘁𝗵𝗲𝗺. Regular audits aren't fun, but they keep everyone honest. 💡 Pro Tip: Can't afford a full-time Controller to manage all this? That's where a 𝗳𝗿𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗻𝘁𝗿𝗼𝗹𝗹𝗲𝗿 like me comes in - you get the expertise without the full-time price tag. Curious about how these could work in your business? Drop your questions below! 👇 ------------- I'm Melissa Armstrong, CPA* and founder of 𝗖𝗮𝗽𝗶𝘁𝗮𝗹𝗶𝘇𝗲𝗱 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗶𝗻𝗴, 𝗟𝗟𝗖. Accounting powerhouse, 𝗳𝗿𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝗻𝘁𝗿𝗼𝗹𝗹𝗲𝗿, and proactive problem-solver. *𝗡𝗼𝗽𝗲𝗅 𝗜 𝗱𝗼𝗻'𝘁 𝗱𝗼 𝘁𝗮𝘅𝗅