SABRIC Commercial Crime
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1 April 2010
1
1.
AIM
As requested at the Home loan Fraud forum of 25 March 2010, this document will provide the
participating banks with all the information needed to submit home loan fraud data to SABRIC.
This document will include the data fields and formats required, the loss definitions and
reporting schedules.
2.
QUALIFICATION OF INFORMATION
All the required data fields were agreed upon by the Home loan Fraud forum meeting of 25
March 2010. A detailed list of all the data fields and descriptions are included in Annexure A.
The complete list consists of 111 data fields, however it was decided that the following fields will
be mandatory and will be the minimum requirement for data reported to SABRIC.

Unique reference number to relate the incident back to the bank system. This number
will also be used in updating or deleting the record from the SABRIC database

Date of detection

Date of pay out

ID numbers of applicants or account holders

Full names of applicants or account holders

Telephone numbers of applicants or account holders

Modus operandi

Case grouping identifier as a sub field under modus operandi

Exposure Amount

Prevention Amount
Although only the above-mentioned fields are mandatory, the more fields reported on, the
better the analysis and linkages. Linkages on for example the bond originators and attorneys
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will help in identifying entities that are involved in criminal activities in the banking industry.
2.1
REPORTING OF DATA
The reporting institutions can use the supplied spreadsheet, and populate the data directly on
to it. There was also an agreement that all the institutions would report on all suspected and
confirmed home loan fraud. As soon as the suspected fraud is confirmed as either confirmed
fraud or no fraud, the specific record needs to be updated. As the investigation progresses,
additional fields may be filled in and the loss fields updated.
For this process to work effectively the reporting institutions needs to supply SABRIC with a
rolling spreadsheet where all incidents needs to be reflected and updated. It is therefore
essential that every incident have a unique reference number in order for SABRIC to add new
records, update and delete fields and record, as it is reported.
The reporting institutions need to submit data on a weekly base. The updated spreadsheets
must be e-mailed to SABRIC no later than 14:00 on a Thursday afternoon. SABRIC will then
circulate a consolidated spreadsheet to all the participating banks no later than 10:00 the next
working day.
Please send the data to the following e-mail address “[email protected]” the subject heading
should read HOME LOAN FRAUD DATA: (INSTITUTION NAME) and the Date (i.e. HOME
LOAN FRAUD DATA: FNB- 12 May 2010)
2.2.
DATA FORMAT
The following fields has drop down menus from which data must be selected

Reporting institution

Application Investigation Status
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
Product applied for

If false application please give reason for decline

MO Type

Applicant or account holder title

Applicant or account holder bank

Applicant or account holder bank account type

Applicant references on application family member title

Applicant references on application family member relation

Home loan: Seller Title
If there are new or other options not catered for under the dropdown menus, please contact
SABRIC so that it can be added and redistributed to the industry to keep consistency.
Data must be entered in to the datasheet utilising the following formats

All telephone numbers must be 10 digits starting with a ‘0, and no spaces or other
characters between numbers (i.e. ‘0829997095).

ID numbers must be 13 digits with no spaces or other characters between numbers (i.e.
4506115068083).

All dates must be as follows dd/mm/yyyy.

The SAPS case number must be in the following format (00000/mm/yyyy)
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2.3
LOSS DEFINITIONS
The following Loss definitions were agreed upon:
Prevention
Exposure
Estimated Loss
Actual Nett Loss
Loan amount applied for.
Outstanding Balance on the account when the fraud was detected. This
amount is also indicative of the proceeds of crime.
The amount that the bank expects to write off (Estimated loss less
potential recoveries).
Estimated loss less actual recoveries, plus direct third party cost
(holding cost, attorney fees etc.)
No insurance costs or recoveries must be included in any of these loss definitions.
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PRODUCTS
The first phase product will be a consolidated spreadsheet combining all the data send to
SABRIC for the specific week. The first column of this consolidated spreadsheet will consist of
a unique reference number consisting of the reporting bank, date of detection and the date of
pay out. This spreadsheet will include all the new entries that were previously marked as
“suspected fraud” but have since been classified as “no fraud”.
SABRIC will also test all the telephone and ID numbers against the existing SABRIC datasets.
This including the cheque, incident, false application, telephone database, beneficiary account
dataset, and all previously reported home loan fraud incidents. If there are any hits SABRIC
will create a Hit Report and send this data back to the relevant reporting institution.
All the data captured will also enhance existing products such as the Significant Association
Reports on false applications and Home loan fraud.
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The SABRIC data repository is also available to the industry for querying.
As a second phase SABRIC will work closely with the Home Loan Fraud Forum to develop
specific products that will address any needs from the Forum members, relating to the data
supplied.
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Annexure A
FIELDS REQUIRED
Reporting institution
Reporting institution
reference number
Application Investigation
Status
Application saps CAS
station
Application saps CAS no
(00000/mm/yyyy)
Application saps
Investigating Officer
Application saps
Investigating Officer
telephone
Application Bank
Investigating Officer
Application Bank
Investigating Officer
telephone
Application Date
(dd/mm/yyyy)
Pay Out Date
(dd/mm/yyyy)
Detection Date
(dd/mm/yyyy)
Product applied for
Prevention
Exposure
FIELD DESCRIPTIONS
The name of the institution reporting the data to SABRIC
Unique reference number supplied by the reporting
institution for the specific incident. This unique number will
be used by SABRIC to update and delete incidents as their
investigation status changes
Application investigation status will give an indication if the
Application was a confirmed fraud/crime or suspected fraud
or not fraud. As soon as the incident is marked as not fraud
it will be deleted from the SABRIC dataset
If a SAPS case was registered for the specific incident,
please supply the name of the SAPS station where the case
was opened.
If a SAPS case was registered for the specific incident
please supply the case number. The SAPS case number
must be in the following format (00000/mm/yyyy)
If a SAPS case was registered for the specific incident
please supply the name of the investigating officer.
If a SAPS case was registered for the specific incident
please supply the name of the investigating officers
telephone number
The name of the bank investigating officer for the specific
incident.
The name of the bank investigating officer’s telephone
number for the specific incident.
The date of the first application. The format of the
application date must be as follows dd/mm/yyyy.
The date of the first pay out that was made from the bank to
an account linked to the suspected fraud. The format of the
pay out date must be as follows dd/mm/yyyy
The first date the suspected fraud was detected. The format
of the detection date must be as follows dd/mm/yyyy
Was the application for a Buy- to let product, Building loan,
and First homeowner product.
Loan amount applied for.
Outstanding Balance on account when the fraud was
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Estimated Loss
Actual Nett Loss
detected. This amount is also indicative of the proceeds of
crime.
The amount that the bank expects that it will have to write
off. Estimated loss less potential recoveries.
Estimated loss less actual recoveries, plus direct third party
cost (holding cost, attorney fees etc.)
If false application please
give reason for decline
Select a reason from the dropdown list
MO Type
Select a type from the dropdown list
Case grouping identifier
Identifier to indicate if the specific incident is linked to
another incident (e.g. same syndicate or group identified)
MO - (please supply a
detailed description of the Free text field
modus operandi used)
Application address
Where did the suspected criminal submit the application,
(Where did the applicant
Street number and name or building name and number.
apply for the Bond)
Where did the suspected criminal submit the application,
Application suburb
Suburb name?
Where did the suspected criminal submit the application,
Application city
City name?
Where did the suspected criminal submit the application,
Application province
Province name?
Where did the suspected criminal submit the application,
Application country
Country name?
Applicant or account
The applicant or account holders title
holder title
Applicant or account
The applicant or account holders initials
holder initials
Applicant or account
The applicant or account holders first name
holder first name
Applicant or account
The applicant or account holders second name
holder second name
Applicant or account
The applicant or account holders surname
holder surname
Applicant or account
The applicant or account holders ID number. ID numbers
holder id number (i.e.
must be 13 digits with no spaces or other characters
4506115068083)
between numbers (i.e. 4506115068083)
Applicant or account
The applicant or account holders country of birth
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holder id no country
Applicant or account
holder date of birth
Applicant or account
holder Passport Number
Applicant or account
holder postal address PO
BOX number
Applicant or account
holder postal city
Applicant or account
holder postal code
Applicant or account
holder residential address
Applicant or account
holder residential address
suburb
Applicant or account
holder residential address
city
Applicant or account
holder residential address
province
Applicant or account
holder residential address
country
Applicant or account
holder home phone
number (i.e.
0829997095)
Applicant or account
holder home phone fax
number (i.e.
0829997095)
Applicant or account
holder work phone
number (i.e.
0829997095)
Applicant or account
holder work phone fax
number (i.e.
The applicant or account holders date of birth. The format of
the date of birth must be as follows dd/mm/yyyy.
The applicant or account holders passport number
The applicant or account holders postal address: PO BOX
number
The applicant or account holders postal address: City name.
The applicant or account holders postal address: Postal
code
The applicant or account holders residential address: Street
number and name or building name and number.
The applicant or account holders residential address:
Suburb name.
The applicant or account holders residential address: City
name.
The applicant or account holders residential address:
Province name.
The applicant or account holders residential address:
Country name.
The applicant or account holders home phone number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders home phone fax number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders work phone number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders work phone fax number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
9
0829997095)
Applicant or account
holder cellular phone
number 1 (i.e.
0829997095)
Applicant or account
holder cellular phone
number 2 (i.e.
0829997095)
Applicant or account
holder email address
Applicant or account
holder bank
Applicant or account
holder bank branch name
Applicant or account
holder branch no
Applicant or account
holder bank account no
Applicant or account
holder bank account type
Applicant references on
application family
member title
Applicant references on
application family
member relation
Applicant references on
application family
member initials
Applicant references on
application family
member first name
Applicant references on
application family
member second name
Applicant references on
application family
member surname
0829997095)
The applicant or account holders cellular phone number 1.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders cellular phone number 2.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders email address email
address
The applicant or account holders bank account details as
supplied on the original application: Bank name
The applicant or account holders bank account details as
supplied on the original application: Bank branch name.
The applicant or account holders bank account details as
supplied on the original application: Bank branch number
The applicant or account holders bank account details as
supplied on the original application: Bank account number
The applicant or account holders bank account details as
supplied on the original application: Bank account type,
select from dropdown
The applicant or account holders family member or other
reference on the applications title. Select from dropdown
The applicant or account holders family member or other
reference on the applications relationship (i.e. Father,
mother, husband etc.). Select from dropdown
The applicant or account holders family member or other
reference on the applications initials.
The applicant or account holders family member or other
reference on the applications first name
The applicant or account holders family member or other
reference on the applications second name
The applicant or account holders family member or other
reference on the applications surname
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Applicant references on
application family
member home phone
number (i.e.
0829997095)
Applicant references on
application family
member home phone fax
number (i.e.
0829997095)
Applicant references on
application family
member work phone
number (i.e.
0829997095)
Applicant references on
application family
member work phone fax
number (i.e.
0829997095)
Applicant references on
application family
member cellular phone
number 1 (i.e.
0829997095)
Applicant references on
application family
member cellular phone
number 2 (i.e.
0829997095)
Applicant references on
application family
member email address
Applicant references on
application family
member residential
address
Applicant references on
application family
member residential
suburb
The applicant or account holders family member or other
reference on the applications home phone number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders family member or other
reference on the applications home phone fax number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders family member or other
reference on the applications work phone number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders family member or other
reference on the applications work phone fax number.
Telephone numbers must be 10 digits starting with a 0, and
no spaces or other characters between numbers (i.e.
0829997095)
The applicant or account holders family member or other
reference on the applications cellular phone 1. Telephone
numbers must be 10 digits starting with a 0, and no spaces
or other characters between numbers (i.e. 0829997095)
The applicant or account holders family member or other
reference on the applications cellular phone 2. Telephone
numbers must be 10 digits starting with a 0, and no spaces
or other characters between numbers (i.e. 0829997095)
The applicant or account holders family member or other
reference on the applications email address
The applicant or account holders family member or other
reference on the application residential address: Street
number and name or building name and number.
The applicant or account holders family member or other
reference on the application residential address: Suburb
name.
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Applicant references on
application family
member residential city
Applicant references on
application family
member residential
province
Applicant references on
application family
member residential
country
Applicant or account
holder employer name
Applicant or account
holder employer address
Applicant or account
holder employer address
suburb
Applicant or account
holder employer address
city
Applicant or account
holder employer address
province
Applicant or account
holder employer address
country
Applicant or account
holder employer
telephone number 1 (i.e.
0829997095)
Applicant or account
holder employer
telephone number 2 (i.e.
0829997095)
Applicant or account
holder employer Fax
number (i.e.
0829997095)
Home loan: Bond
originator company name
The applicant or account holders family member or other
reference on the application residential address: City name.
The applicant or account holders family member or other
reference on the application residential address: Province
name.
The applicant or account holders family member or other
reference on the application residential address: Country
name.
The applicant or account holders employers name
The applicant or account holders employers address: Street
number and name or building name and number.
The applicant or account holders employers address:
Suburb name.
The applicant or account holders employers address: City
name.
The applicant or account holders employers address:
Province name.
The applicant or account holders employers address:
Country name.
The applicant or account holders employers telephone
number 1
The applicant or account holders employers telephone
number 2
The applicant or account holders employers fax number
The company name of the bond originator responsible for
the application.
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Home loan: Bond
originator branch name
Home loan: Bond
originator telephone
number (i.e.
0829997095)
Home loan: Bond
originator consultant
name: First name
Home loan: Bond
originator consultant
name: Second name
Home loan: Bond
originator consultant
name: Surname
Home loan: Estate agent
company name
The branch name of the bond originator responsible for the
application.
The bond originator responsible for the application,
telephone number. Telephone numbers must be 10 digits
starting with a 0, and no spaces or other characters between
numbers (i.e. 0829997095)
The name of the bond originator consultant responsible for
the application: First name
The name of the bond originator consultant responsible for
the application: Second name
The name of the bond originator consultant responsible for
the application: Surname
The company name of the estate agent responsible for the
application
The estate agent responsible for the application, telephone
Home loan: Estate agent
number. Telephone numbers must be 10 digits starting with
telephone number (i.e.
a 0, and no spaces or other characters between numbers
0829997095)
(i.e. 0829997095)
Home loan: Estate agent The name of the estate agent consultant responsible for the
consultant: First name
application: First name
Home loan: Estate agent The name of the estate agent consultant responsible for the
consultant: Second name application: Second name
Home loan: Estate agent The name of the estate agent consultant responsible for the
consultant: Surname
application: Surname
Home loan: Registering
The name of the registering attorney responsible for the
attorney name
application.
Home loan: Transferring The name of the transferring attorney responsible for the
attorney name
application.
Home loan: Accounting
The name of the accounting firm responsible for the
firm
application.
Home loan: Accountant
The name of the accountant responsible for the application:
name: First name
First name
Home loan: Accountant
The name of the accountant responsible for the application:
name: Second name
Second name
Home loan: Accountant
The name of the accountant responsible for the application:
name: Surname
Surname
Home loan: Valuator
The name of the valuating company responsible for the
company
application.
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Home loan: Seller Title
Home loan :Seller Initials
Home loan: Seller First
name
Home loan: Seller
Second name
Home loan: Seller
Surname
Home loan: Bond
property address
Home loan: Bond
address suburb
Home loan: Bond
address city
Home loan: Bond
address Province
Home loan: Bond
address Country
Home loan: Bond building
contractor company
name
The title of the seller of the bonded property.
The initials of the seller of the bonded property.
The first name of the seller of the bonded property.
The second name of the seller of the bonded property.
The surname of the seller of the bonded property.
The bond property address: Street number and name or
building name and number.
The bond property address: Suburb name.
The bond property address: City name.
The bond property address: Province name.
The bond property address: Country name.
The name of the building contractor responsible for the
building of the bonded property
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