Premium Fraud / Signal 01

Payroll suppression

Reported payroll materially differs from payroll reflected in other reliable business records.

Questions to Answer

Define the representation before choosing the investigation.

01

Which payroll figure was represented, to whom, and for what period?

02

Which independent records reflect the workforce or wages actually paid?

03

Are discrepancies timing/accounting issues, excluded remuneration, legitimate contractor payments, or potentially material underreporting?

Evidence to Develop

Build the factual chain from independent sources.

Payroll & tax records

Payroll registers, wage statements, timekeeping, payroll tax filings, audit workpapers.

Bank & payment activity

Lawfully obtained payment records, checks, cash-withdrawal patterns, vendor payments, wage-payment documentation.

Project & operational records

Contracts, invoices, schedules, job logs, customer records, staffing information.

Interviews

Payroll/accounting personnel, supervisors, employees, brokers/auditors when appropriate and authorized.

Next Step

Document what the evidence says - and what it does not.

Record the fact, source, date, relevance, and unresolved questions separately. Where the issue involves classification rules, rating, law, policy interpretation, or criminal referral standards, involve the appropriate specialists rather than asking the investigation to make the legal conclusion.