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>>> KELLY RICHMOND'S POKE ABOUT LIFE IS ALL ABOUT FRAUD.

SHE PRODUCED A DOCUMENT ABOUT THE WOMAN WHO DEFRAUDED DIXON, ILLINOIS, OUT OF $64 MILLION IN THE LARGEST MUNICIPAL FRAUD IN U.S HISTORY.

IN THIS MONTH'S BLACK VOICES BOOK SELECTION WANTS TO TEACH YOU ABOUT FRAUD IN "FOOL ME ONCE: SECRETS FROM THE TRILLION DOLLAR FRAUD INDUSTRY.

EXPLORING THE MANY WAYS FRAUD CAN TAKE AND THE STORIES OF THE PEOPLE THAT PERPETRATOR.

WELCOME TO CHICAGO CHICAGO TONIGHT: BLACK VOICES.

>> TELL US ABOUT THE CATEGORIES.

>> SURE, I WANTED TO LOOK AT ALL OF THE FACES OF FRAUD.

PERPETRATORS, THERE ARE DIFFERENT TYPES, NOT EVERYONE STEALS FOR GREED.

SO, YOU CAN BE AN INTENTIONAL PERPETRATOR, WHICH YOU ARE PROBABLY NOT, YOU CAN BE AN ACCIDENTAL PERPETRATOR WHICH YOU MIGHT MAKE A MISTAKE AND FIND YOURSELF EMBEDDED IN A FRAUD OR A RIGHTIOUS PERPETRATOR.

ALL OF THOSE ARE THE DIFFERENT PROFILES, I WANTED TO OFFER A NEW WAY OF THINKING ABOUT A PERPETRATOR.

EVERYONE DOES NOT STEAL FOR MONEY.

>> YOU OPEN YOUR BOOK WITH THE RITA CRONWELL THOUGH, THE LAST TIME YOU JOINED US HERE WAS TO TALK ABOUT THE DOCUMENTARY THAT YOU DIRECTED ABOUT HER.

YOU ALSO INCLUDE STORIES OF, YOU KNOW, THAT PEOPLE MIGHT NOT THINK OF AS FRAUDS, RETAIL RETURN FRAUD.

WHAT ARE YOU HOPING FOLKS TAKEAWAY FROM THIS FRAUD?

>> YOU ARE RIGHT.

I OPENED THE BOOK WITH HER.

RITA'S STORY REALLY INSPIRED THE BOOK.

SO, YOU WILL READ THAT THROUGHOUT THE BOOK.

SHE IS AN INTENTIONAL PERPETRATOR.

WHAT I WANTED PEOPLE TO UNDERSTAND IS THAT WE ALL CAN RATIONALIZE THINGS THAT WE WANT.

RITA RATIONALIZED ON A LARGER SCALE.

IF YOU ARE AT WORK AND NEED TO MAKE A PHOTOCOPY FOR YOUR KID'S BIRTHDAY AND YOU USE THE COPY MACHINE OR YOU ARE GOING ON VACATION TO A CONFERENCE AND YOU ARE GOING TO TAKE ALL OF YOUR FRIENDS AND THEY STAY IN THE HOTEL ROOM, OR YOU REGISTER AND DO NOT SHOW UP.

FORMS OF FRAUD, TOO.

THIS IDEA THAT THIS IS THEM, I WANTED TO CHANGE THAT NARRATIVE.

I WANTED PEOPLE TO REALIZE THIS IS US.

WE ALL CAN RATIONALIZE THINGS THAT WE WANT.

>> CLEARLY AT SOME POINT IT GETS AWAY.

>> IT CAN GET AWAY.

>> THE TRAIN GETS OFF OF TRACK.

>> IT CAN GET OFF OF THE TRACK.

IN THE BOOK I TALK ABOUT A LOT OF PERSON STORIES, I HAD AN EXPERIENCE WHERE A RETAILER SENT ME A PURSE THAT I PURCHASED AND THE NEXT DAY THEY SENT ME ANOTHER ONE.

THE COMPANY SENT TWO BAGS, I WAS THINKING SHE WOULD SAY, AND THAT IS AWFUL.

WHAT SHE SAID WAS, YOU SHOULD SELL IT.

SELL IT ON EBAY GET YOUR MONEY.

I AM LIKE WAIT A MINUTE AND I DID A SURVEY AND I STARTED ASKING PEOPLE, WHAT WOULD YOU DO?

NOT YOUR FAULT THEY SENT THE BAG, SELL IT.

THESE SMALL MISSTEPS CAN GROW AND GROW AND GROW.

YOU THINK OF RITA'S CASE IT DID NOT START OFF BECAUSE SHE STOLE THAT IT STARTED OFF SMALL.

MIGHT HAVE BEEN A BAG SHE GOT AND DECIDED TO KEEP.

WHO KNOWS, THAT IS WHAT I WANT PEOPLE TO REALIZE.

WE ALL ARE RESENTED.

A LOT OF US DO NOT TAKE, A LOT OF US DO NOT GET CAUGHT DOING THINGS.

>> ANOTHER STORY CHICAGOANS CAN BE AWARE OF, SOUTH SIDE LITTLE LEAGUE TEAM, TAKEN OUT OF THE TITLE FOR HAVING INELIGIBLE PEOPLE ON THE TEAM.

>> IN THE BOOK JUST LIKE I TALK ABOUT PERPETRATORS I TALK ABOUT WHISTLE-BLOWERS, IT IS A LOADED WORK.

YOUR REACTION MIGHT SAY SNITCH, RAT, TRADER, SOMEONE THAT IS NOT TRUSTWORTHY.

JUST LIKE I DID WITH THE PERPETRATORS I WANTED TO CREATE WHISTLE-BLOWERS, YOU COULD BE ACCIDENTAL, NOBLE, OR VYINGEL YOU WANT SOMEONE THAT KNOWS THE RULES THAT KNOWS SOMEONE AROUND YOU GETS OUT OF LINE.

SO WHEN I THINK OF THAT.

WHISTLE-BLOWER HALF OF THEM HATED THE MAN AND THE OTHER HALF COULD EMPATHIZE WITH HIM.

THERE WERE PEOPLE WHO DID NOT FOLLOW THE RULES, HE KNEW IT.

HE FELT LIKE SOMEONE NEEDED TO SAY SOMETHING.

WAS HE WRONG?

NOT REALLY.

WHEN HE DID, PEOPLE ATTACKED HIM.

IT WAS AN INTERESTING CLASS, SOME PEOPLE WERE SUPPORTIVE OF HIM AND OTHERS WERE ANGRY ABOUT HIS ACTIONS.

>> SO, WE HAVE 20 SECONDS LEFT WHAT WOULD YOU SAY YOUR AVERAGE PERSON CAN DO TO PROTECT THEMSELVES AGAINST FRAUD?

>> FOLLOW YOUR GUT.

YOU KNOW, MAKE SURE THAT, THAT IS THE FIRST THING.

IF IT IS, IF THERE IS SMOKE THERE IS FIRE.

AND SO JUST FOLLOW YOUR GUT.

TAKE THE TIME, RETAKE THE TIME TO JUST, IF YOU ORGANIZATION ASK QUESTIONS, MAKE SURE ALL OF THE INTERNAL CONTROLS YOU WORK.

THERE IS SOMEONE IN YOUR PROBABLY ION THAT IS =?o THINKING ABOUT HOW TO DEFRAUD YOU.

>> OH, WOW, THANK YOU FOR JOINING US.