Friday, October 31, 2014

Statement Analysis: Bank or Finance Theft

Statement Analysis Principle:  Language does not change on its own; something triggers the change.  We note that when language does change, and there is an absence of indication within the statement to cause the change, that the subject may not be working from experiential memory, but simply has 'lost track' of his language.

This principle is applied to various scenarios with, oftentimes, very specific language.

"Man" versus Person, with "Person" gender neutral language may be concealment of gender for the purpose of deception.

"Guy" versus "Man" may mean the difference between attraction and disdain.

But what about bank theft, from within the bank, itself?

People who commit crimes sometimes go through a process, within themselves, where they become not only desensitized to the idea of stealing, but can move towards justification.

This is why we teach:  "Don't ask if someone "stole" the missing money, ask if they "took" it."

This is the employment of morally neutral language.

There are those who could pass a polygraph if asked, "Did you steal the money?" even though they did it, because they have talked themselves into believing that they did not "steal" the money, but was "owed" the money by the company who had, in some way "stolen" from the subject.

This can happen under a myriad of conditions:  everything from not being reimbursed to being cheated out of overtime.  

What about those within the banking system?

How tempting is it for a teller to handle money all day, while under financial pressure?  What about someone who is in a business in which they deal with money, all day long?  There are plenty of businesses that still operate on "cash and carry" and have customers pay drivers, for example, in cash.  

Generally speaking, those  who deal with money (such as cashiers and bank tellers) do not often use the word "money" when they speak.  This is where "trained listening" does into play.  

Professional jargon.

In various professions, certain language is expected.  In the social services field, we hear someone who has been a client say "inappropriate" and "support" and other social service 'buzz words.'
In the legal profession, we hear similar phrases that we sometimes jokingly call "lawyer speak."

I once heard a car salesman describe his girlfriend as "low miles."

 In the case of those in finance who handle cash, they often use their own professional jargon, or professional language which negates the significance of the money as "money".  It is often "cash" as the norm, especially when talking within the profession.  

If the "cash" (as in "cash and checks") begins to show itself in the language of one as "money", there may be an element of change within the subject.  The "cash" they handle all the time is not "money", as in something to be spent or saved.  It is "cash" to them.  

This is a process that transpires over time, internally, and reveals itself in the language.   This mental process as helping the person to deal with the fact that he deals with so much money without having the use of it.  "Cash" helps detach himself from the "money."

Here is the signal:  

Once someone starts to think about the material in front of him as "money", that should indicate that the person has already crossed a line in his mind perceiving the "money" as an item which can be used personally, spending or saving it. 

Objection:  That's not how it is where I live!

Answer:  We can reverse this entire process. 

Lets say, regionally where you live, tellers and cashier type positions call it "money" but call "cash" something they spend.  

The principle remains the same.  Find the reference point of professional language and listen carefully to any change from the norm.  

The same principle is applied to emails.

Some emails are written quickly, without pronouns. 

If this is the norm, so be it, but then make sure you take careful notice when a pronoun enters, breaking the pattern of the norm, as very important.

Think of this with tweets and other short messages like  a text:

What is the norm?

Is there a deviation?

Whenever we are confronted with the deviation, it is the "unexpected", just as in how we analyze all statements.  

Scam Email Using FBI as Cover

Financial Predators attempt clever means of which to scam the innocent out of money.  The FBI investigates email scammers.  Note the boldness, and lack of fear of being traced in order to send such an email.  Sometimes clicking on a link will do nothing but load your computer with an advertising virus that re-directs your links to ads 

repeatedly.  Others seek to convince people that they have won a lottery.  Still some are from "missionary" people who ask you to "adopt" their puppy.  The Nigerian princess scam became well known, but people do fall for these things.  

Federal Bureau of Investigation F B I



Oct 13


This e-mail has been issued to you in order to Officially inform you that we
have completed an investigation on an International Payment in which was
issued to you by an International Lottery Company. With the help of our newly
developed technology (International Monitoring Network System) we discovered
that your e-mail address was automatically selected by an Online Balloting
System, this has legally won you the sum of $2.4million USD from a Lottery
Company outside the United States of America. During our investigation we
discovered that your e-mail won the money from an Online Balloting System and
we have authorized this winning to be paid to you via INTERNATIONAL CERTIFIED

Normally, it will take up to 5 business days for an INTERNATIONAL CERTIFIED
BANK DRAFT by your local bank. We have successfully notified this company on
your behalf that funds are to be drawn from a registered bank within the world
winde, so as to enable you cash the check instantly without any delay,
henceforth the stated amount of $2.4million USD has been deposited with IMF .

We have completed this investigation and you are hereby approved to receive
the winning prize as we have verified the entire transaction to be Safe and
100% risk free, due to the fact that the funds have been deposited with IMF
you will be required to settle the following bills directly to the Lottery
Agent in-charge of this transaction whom is located in Cotonou, Benin
Republic. According to our discoveries, you were required to pay for the

(2) Shipping Fee's ( This is the charge for shipping the Cashier's Check to
your home address)

The total amount for everything is $96.00 We have tried our possible best to
indicate that this $96.00 should be deducted from your winning prize but we
found out that the funds have already been deposited IMF and cannot be
accessed by anyone apart from you the winner, therefore you will be required
to pay the required fee's to the Agent in-charge of this transaction
In order to proceed with this transaction, you will be required to contact the
agent in-charge (  Mr.Ken Jackson) via e-mail. Kindly look below to find
appropriate contact information:

PHONE NUMBER: +22968505127

You will be required to e-mail him with the following information:


You will also be required to request Western Union or Money Gram details on
how to send the required $96.00  in order to immediately ship your prize of
$2.4million USD via INTERNATIONAL CERTIFIED BANK DRAFT from IMF, also include
the following transaction code in order for him to immediately identify this
transaction : EA2948-910.

This letter will serve as proof that the Federal Bureau Of Investigation is
authorizing you to pay the required $96.00 ONLY to Mr.Ken Jackson
information in which he shall send to you,

Mr. James Comey
Federal Bureau of Investigation F B I
Yours in Service James Comey,
IDirector Office of Public Affairsa
Welcome once more to FBI

Ebola Nurse From Maine: 15 Minutes?

Note the quotes, especially those in the negative of what they are "not trying" to do:  

Ted Wilbur, the boyfriend of Kaci Hickox, the nurse released from isolation after returning last week to the U.S. from West Africa, where she treated Ebola patients, spoke outside their home on Thursday night and told reporters neither he nor Hickox feel they are a danger to anyone in the community.
We are not trying to get anyone sick, and we don’t believe we can get anyone sick,  we are not trying to put anyone at risk,” Wilbur said. “We are not trying to push any limits. We are members of this community and want to make everyone feel comfortable.”
Hickox and Wilbur did leave their home earlier that day for a 40-minute bicycle ride on a local multi-use trail.
If anyone noticed, we did not go into town,” Wilbur said. “We did not go to the grocery store or anything.”
Wilbur declined to answer any questions on the status of Hickox’s Center for Disease Control and Prevention monitoring or the legal battle with the state of Maine.
I like to stay fat, dumb and happy by not knowing what is going on,” he said.
“My feeling personally is my life has been rather disrupted by this whole thing,” he said. “This thing does not just affect Kaci, and when people are coming home from different parts of the world, it is affecting their partners, as well.”
In Wilbur’s case, he is participating in his University of Maine at Fort Kent nursing program via online classes for the 21 days of Hickox’s quarantine.
When pressed, Wilbur said the online option was not, as university officials have said, voluntary.
This is one of those things when people might say to you, ‘Do you agree to not come to classes?’ and you say, ‘Do I have a choice?’ And they say ‘no,’” Wilbur said. “So I said, ‘Oh, I agree to not come to classes.’”
Wilbur did say UMFK President Wilson Hess likely could have found a way for him to attend classes on campus.
I think that would be really nice of him,” he said.
Wilbur said the couple spent the day doing laundry, housecleaning, and “all the things you do after a lot of travel.”
They even managed to get some time to watch a portion of the movie “The Avengers.”
Wilbur thanked members of the community who have showed their support, specifically Fort Kent Police Chief Tom Pelletier who, several minutes after the press conference ended, delivered groceries to the house.
“I think that’s fantastic,” Wilbur said.

Thursday, October 30, 2014

Statement Analysis: Jian Ghomeshi Victim Speaks Out

One of the alleged victims from Jian  Ghomeshi has spoken out to media.  This is the transcription of the interview. I have added analysis of the answers in bold type, with emphasis added to assist the reader's understanding of Statement Analysis.  

It is difficult interviewing a sexual abuse victim because certain questions can be indelicate and may be misconstrued as lacking empathy for a victim, yet must be asked.  

Q.  Can you describe that first date you had?

A.  Well, he first asked me to come to a taping of his show, and I did, and after the show, you know, he he noticed me at the show and he… and he lit up and it was like you came. And uh, we hung out a little bit with some of his colleagues and then we went off alone to a pub and y-- just chatted and there was absolutely nothing about that, that gave me any indication that there was anything to worry about or you know he was charming, like that would be the word I would give Jhian, is charming. And, then after he drove me back to my car, and we chatted in the car, and we, and he was getting flirty, so in the car he you know, was looking like he wanted to do a little more, and then he asked me if he, if I would undo my buttons, and I said no, because I didn’t know you. And he reached over and grabbed my hair very hard and pulled my head back. And it really took me off guard, but I I don’t know precisely exactly what he was saying, but I, I’m thinking it was something along the lines of do you like this and and I don’t know what I said, but it was a week night and it was late and I had to go.

Notice in her answer the use of the pronoun "we", which shows, to this point, a connection to him.  

Note that when "there was absolutely nothing" about potential aggressive assaultive behavior, that it is sensitive to her.  This sensitivity may be the obvious, given the reason for the interview:  How could you not have known?  

Note also that "he reached over and grabbed my hair very hard" is past tense and strong, but it also has "reached over" which shows that she did, in fact, want physical distance from him. (seating proximity)  In order to grab her hair, in her recollection, she likely had moved away from him.  

What he was saying was not "precisely, exactly" known, which would have prompted me to ask follow up questions, in the least, to learn why the subject did not want to repeat what he said.  This can be very difficult with victims.  She gave "along the lines" of what he said "do you like this?", which may be embarrassing for her.  She also may be uncomfortable with her own answer to him.  

That he was a celebrity and she a fan puts her at a distinct disadvantage looking up to her.  It can cause self doubt: 
Q.  How did you feel about that? When you finally, you got out of the car then you got in your own car, what were you thinking when about that experience?

A.  Well, First I didn’t like it, and that’s not my style, uhm but also did did I miss something not dating for a while or, and also I kind of put to that if a couple gets together there is always a little learning curve and it could be you know, don’t hit me so hard or don’t kiss me like that or whatever, but uh that wasn’t part of my repertoire ever. So I just kind of, I was more shy and I just thought I’d figure it out later.

An honest answer.  She doubted herself, instead of doubting him.  

Q.  Why did you agree to see him again?

A.  Because like I said, I hadn’t dated for a while and I did like him. And and all the time I spent with him up to that point was great, there was nothing about him that I that I didn’t like, and that I though you know maybe he’s just a little too rough and I can sort it out.

"like I said" is a self reference and she is recalling what she just stated.  This indicates that she anticipated the question being asked before it was. 

Q.  What happened on the second date?

A.  Well I went to another taping of the show, but we didn’t hang out after that, but then I went to another one and there was a big snowstorm, and a girlfriend of mine came, and so, on, at the end of the night, we had we had taken the subway, and didn’t drive that night because it was too treacherous, so at the end of the night he asked me to come out with him, and I said, well my, I have my friend here, and he and he agreed to drop her at a subway, and then we went on to his house, and then we, when we were at his house it was fine, it was, he you know, put some music on, I was, you know looking at his living room, and he had some interesting things in there, and uh, you know, again, we were flirty, and but in that flirting he grabbed my hair again, but even harder, threw me in front of him, on the ground and started closed fist pounding me on my head, repeatedly, until my ears were ringing, and I started to cry.

When asked what happened on the second date, the subject begins with her location:

"I went to another taping of the show" indicating her priority.  He was a celebrity and she was at the location in which he gained his status.  This is very important to her.  She then gets to the specifics of the second date:

"I was, you know, looking at his living room" indicates that she may have been impressed.  She began at the taping and now is the celebrity's home.  Note "at his house" caused the pronoun "we" to enter. 

"We were flirty" is also unity evidenced.  "But" stops the point and leads to "that flirting", with "that"showing immediate distancing language, with the assault.

Note the past tense language commitment. 
Note that which began, "crying" but not completed.  

Q.  Did you struggle?

A.  Uhh, I was, no, I was, it was, I was in shock, and when you get hit in the head everything rings, and you know it’s hard to do anything, but try to, you know there was no conversation, about I like, you know, some..anything, and uh he didn’t ask me if I like to be hit, he didn’t ask me, uh you know I wasn’t expecting it, and he hit me repeatedly. And..

The question is answered with "no" but the question, itself, triggered a reaction of sensitivity in the subject. 

"You know" shows an acute awareness of the interviewer at this question.  

"You" is distancing language as if common to all.  This question, although answered, is very sensitive.  This is expected in assault victims:  why they did not struggle; why they did not run,  why they did not make an immediate report, and so on.  It is common particularly in sexual abuse victims.  
Q.  On the head? Always on the head?

A.  On the head, yeah, on the si..., on one side of my head over and over, and on the, and I’m on the floor and I’m and then I’m in tears and he, he said you need to go.

Note:  "I started crying" with the move into present tense language here:  "I'm on the floor and I'm and then I'm in tears" may be PTSD-like reliving of assault.  Note that she then was able to say what he said, in past tense, "he said you need to go" and not "he says..."

This would indicate an "end" at this point, of re-living the memory. 

Q.  What did you say?

A.   I don’t, I didn’t say much at all after that. I got in a cab and cried all the way to my friend’s place, I didn’t even go home, I was I was, a mess, I went to my friend’s place and stayed at her house and cried all night.

Note that she does not mention him here.  His 'absence' from her statement is consistent with not saying "much" at all after "that."

Note "cried all night" has completion.  
Q.  Your friend is a nurse isn’t she?

A.  Yes.

Q.  We’ve spoken with her and she says this you did arrive in this state.

A.  Yes.

Q.  What did she, what what state where you in when you arrived at your friend’s house?

A.  In tears, I was I was just a mess, and she you know, was  saying typical friend things like you know he’s not worth it, and you can do better and you know, and and at this point it’s like wow why did I even, you know, cause I, as I said I hadn’t been dating, and she was she was comforting in a typical friend way, and but but, you know people have asked my why didn’t you press charges or, that’s that’s a tough one.

Q.  Why didn’t you?

A.  Because it’s too difficult to prove, it’s embarrassing, in the moment you’re, you know myself I was so distraught, all I wanted to do was curl up in a corner, I didn’t you know, I I wasn’t expecting to go out with this man who was seemingly charming and nice, and you know I come from an an educated family and I thought wow my dad would really like you. And then to get physically abused like that it was it was shocking, I re.. I didn’t expect it at all.

Another common response from victims of assault where sexuality is in play (date assault). She was asked "why", so answering "because"is appropriate.  

Embarrassed:  she then gives the reason why she is embarrassed:  family. 

That she mentions "physical" abuse suggests that she may have felt emotional abuse from him:  the insult of it.  I would like to ask about this. 
Q.  Did your friend who is a nurse, did she see the any physical signs of this beating?

A.  Uhm, no, no. She, well not that she mentioned. If any..he hit me on the head, so and I wasn’t bleeding, and I wasn’t, it was just more of a, the trauma of being hit in the head.

This may be the 'emotional abuse' she is considering:  she was on a date, it was romantic, and there was no warning or expectation of an assault. 

We look for more linguistic signals of PTSD-like symptoms in her language: 
Q.  There was no need to seek medical attention then?

A.  No.
Q.  Did you think anytime, as this as you said this happened more than a decade ago, did you think at any time when you that you should have gone to the police?

A.  Yes. I I absolutely did, and the thing is, it, I couldn’t just you know forget about it, I was constantly reminded, and I’m remarried now and my husband knows about it, but every time we hear Jian on television, or you know for commercials for CBC or or anything, I I have tur turn it off quickly, cause I, I I can never look at him without thinking of this, I can’t understand why this man who, he’s he’s such a great tv personality and radio personality has this dark dark side to him and, and it’s been hard because I’ve I’ve had to to suppress it and just put it you know, down to some bad experience, but then when this came to light, uhm a few days ago, it almost, it gave me permission to speak and I thought maybe someone will listen to me now, because I don’t think if I had said anything back then that anyone would care.

The reminder is an embarrassment to her.  

Q.  Did you compare notes with anyone, you know of some of his circle of friends, did you ever feel that you should say, hey does, do you know if this happened to anybody else?

A.  No. There’s actually only one person in his circle of friends that I’m speaking to, because it’s a very sensitive subject with the rest, and because, you know it’s hard for some people to understand because they’ve only seen the side that I saw and to see that other side you have to be behind closed doors.

"No" is the response.  She asked a compound question, so the second part of her response is to the second portion of the question. 

Note "closed doors" continues theme of embarrassment.  Embarrassment is not only due to being from an "educated" family; but fear of not being believed.  

Q.  He has written as you know a Facebook post, Jian Ghomeshi says in this that he has adventurous forms of sex that includes dominance and submission, and that, anything, that is, that any implication that this was not consensual is a lie. What do you say to that?

A.  That’s what made me...the… enfuriated me, because there was nothing to to prepare me for this, nothing, there was no talk, other than what I said in the car when he pulled my hair, I think he might have been saying, do you like it rough, but there was no we’re gonna you know engage in this type of play, we were we were fully clothed we weren’t having sex, we weren’t even, we weren’t even at that point, you know of, you know in our in our our time together our relationship, so there was nothing. It came out of nowhere, and and and during that time you’re wondering, or I was wondering, if is he going to keep beating me? What is this? This isn’t something I’m familiar with. I don’t understand why he didn’t say to me, OK I like to do this and this and this, and this, and I’m gonna, you know when you’re not looking I’m gonna start hitting you in the head and throw you on the floor.

Note that being "infuriated" is not simply because of the post, but the subject reveals that she is upset with herself:  "there was no talk, other than what I said in the car..."

She blames herself.  

Q.  And why did he stop?

A.  Probably because of my tears.

Q.  And?

A.  And he realized that Uh I maybe I wasn’t game, or I I really don’t I don’t know it, 

Q.  What do you want to happen with your story, telling your story. What do you, what he’s been fired, what what where do you want this to go, what do you want people to do with what you are saying to them now?

A.  Well now now that it’s not just me against him, I wish that there was some way that I could press charges against him now. It’s been a long time, I don’t know that I can any more.

"it's not just me against him" reveals that she expected not to be believed.  This explains sensitivity.  
Q.  Have you been in touch with other women? Or attempting to get in touch with them.

A.  No No I don’t I don’t know any of the other women.
Analysis Conclusion:  the subject is telling the truth, working from memory.  She speaks strongly, in the past tense, except when she appears to be reliving the event, as confirmed with her beginning to cry, and then moves back to past tense.  This is a pattern we sometimes see with sexual assault victims who have unprocessed trauma to cope with.  

Subject is truthful. 

Statement Analysis Analytical Interviewing Seminar In Maine

             This is an open invitation with limited seating.  

Statement Analysis and Analytical Training one day seminar on December 16, 2014, from 9AM to 4PM at Jeff's Catering, in Brewer Maine.

Jeff's catering in Brewer, Maine is located at 15 Littlefield Rd.  Brewer, ME  04412   

Seminar is from 9AM to 4PM, with lunch provided.  

Each attendee will receive the Training Manual, mp3 copy of the recorded lessons, a copy of "Wise As A Serpent; Gentle As a Dove:  Dealing with Deception" and follow up support.  

The seminar will include:

Analytical Interviewing 

I.      Introduction
II.    Intuitive Test
III. Principles of Statement Analysis

 Sample Statements for analysis:

a.  group analysis

   IV   Pronouns and Lie Detection  (Pronouns and Confessions)

Lunch Break

V.             Two Lefts---High Sensitivity
    VI.   Self Analysis –write out statement
    VII. Obtaining and Using a Statement in the Interview
VIII.   Principles of Analytical Interviewing
IX    Sample Interview for Critique
X.     Interview Exercises

X1.       Question and Answer Session 

Registration is limited so if you can attend and wish a brochure, please email request to: 

Spotting a liar helps:   Law Enforcement, Social Services, Law, Human Resources Hiring and Dispute Settling etc.