According to the Russian United Credit Bureau, in 2015, total past due payments (90+ days overdue only) increased by 51% and amounted to over 1 trillion RUB. All of these reveals a systemic Russian banking crisis, which has demonstrated severe negative dynamics.

I. Forensic Diagnostics of Bank Crediting Activities and Pledge Transactions

  • Analysis of the links between borrowers, depositors, pledgers, guarantors, and bank employees responsible for loan approval/monitoring in order to reveal covert relending and/or intentional delinquency.
  • Contracting parties’ due diligence by using more than 50 criteria and detection of subprime bank contractors (borrowers, depositors, pledgers, guarantors, etc.).
  • Development and application of bank-specific Forensic Data Analytics tests aimed to detect the zero-reserve credit transactions featured by a high risk of fraud/non-return.
  • Detailed economic and legal analysis of selected credit transactions including the outlook for recovering the borrowers’ debts.
  • Identification of the assets (including external assets) of borrowers and other parties related to high-risk credit transactions.
  • Asset sales performance analysis, including detection of hidden sales.
  • Testing of current bank crediting procedures, credit monitoring and pledged assets, as well as testing of pledged assets sales.

II. Forensic Diagnostics of Non-Operating Income

  • Sampling and further analysis of high-risk bank currency transactions, security sale transactions, and transactions in precious stones and metals, as well as assessment of exchange transactions featured by high deviation of purchase/sale price from that based on the exchange rate of the Russia’s Central Bank.
  • Analysis of dynamics and quality of the bank investment instruments (equity holding, securities, precious metals, etc.), including detection of unreasonable investments and/or investments in the companies affiliated with bank employees in a manner and in terms, which discriminate bank’s owners.
  • Analysis of the bank non-operating income structure (dividends, demise, provision of services, etc.), including detection of rendering undocumented or unpaid services not related with bank operating activities.

III. Forensic Diagnostics of Bank Expenses

  • Diagnostics of the current system of bank procurements aimed to detect exessive and/or intentionally high-priced procurements in a manner and in terms, which discriminate bank’s owners.
  • Detection of procurements from contract partners affiliated with bank employees in a manner and in terms, which are not arising from a course of dealing
  • Diagnostics of the current system of bonuses to bank employees in order to detect unreasonable incentive rewards and the payments to ghost employees including payments under sham civil-law contracts.

IV. Compliance and Risk Management

  • Analysis of bank risks and internal control systems for compliance with Russian and international laws on prevention of corruption/bribery (FCPA, UKBA) and with the anti-money laundering and anti-terrorist financing legislation.
  • Working out recommendations for the improvement of core (banking) and general operations in order to ensure compliance with legal requirements.
  • Analysis of bank risk insurance provisions, including working out of the requirements for pledged property insurance and selection of insurance providers.
  • Analysis of gratuitous contributions and detection of cash withdrawal through charitable contributions, sponsorship and other (for the purposes of anti-corruption laws) high-risk expenses.

V. IT Forensics

  • Extraction and analysis of data from corporation mobile devices and work computers.
  • Collection and analysis of evidence and Internet artifacts to support investigations and judicial proceedings.

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