Pre- and Post-Training Questions for the Representative Payee Training

Last Saved On: 8/19/2015 9:08:32 AM
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Hands on Banking

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Producer(s): Ana Obrebski and Charmaine Gibson
Client(s): ACOSS/ Wells Fargo
SME(s): Mark
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SKIT 1

Debbie

Split screen phone
conversation between
elderly person and
scammer

(Answers the phone) Hello?
John
Hello is this Mary Williams?
Debbie
Yes. How can I help you?
John
My name is Scott Smith and I work for your electric company. We have
great news for you. For a limited time we’re offering you a new kind of
light bulb that will cut your electric bill up to 80%! What do you think
about that?
Debbie
Oh that is wonderful!!
John
I know right? Well, in order to guarantee your order, all you need to
provide is your customer account number, address, and a credit card
number.
Debbie
Oh I really like this offer but I don’t have my account number with me.

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John
Ms. Williams these light bulbs are flying off the shelves. You must
respond during this call or you’ll miss out.
Debbie
Oh I don’t want to miss out please hold on, let me get the information…
FADE AWAY
NARRATOR
Welcome to this presentation on Handsonbanking.org. I will show you
all the useful information you can find here regarding elder and
vulnerable adults abuse and financial exploitation.
Let’s begin.
Once you’re in handsonbanking.org’s homepage, you will notice right
away that you can obtain all the information on this website in both
English and Spanish! If you go the top right corner of the page, you’ll be
able to select either English or Spanish.
A blue bar on the top shows different categories, Individuals, educators,
non-profits, workplace, resources, and courses.
Under “Take Charge of Your Future” you’ll find instruction on how to use
this tool to help you reach your financial goals.
In the left side you’ll find “What’s New?” Here you’ll find information on
any changes made to the website including any additions.
In the middle you’ll find “Instructional Resources”. This section provides
information on how to teach others to manage their finances.
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At the bottom of the page you’ll find a link where you’ll be able to provide
feedback.
You’ll also notice on the right hand side, a list of courses, military,
seniors, entrepreneurship, adults, young adults, teens, and kids.
We will select Seniors.
Once here, you won’t believe the amount of information you can find!
For example, On the right you can find sections like “How much money
will you need to retire?” , “Control your Finances with a Spending Plan”,
, “Who’s Victimizing Older Americans?”, “Healthcare for early retirees.”,
“how to recognize Financial Fraud”, and “Top Scams Targeting Seniors.”
At the bottom of the page you can also find information on Healthy
Financial Habits and Elder Financial Abuse.
Now, all of these contain great information. However I want to focus on
the Elder Financial Abuse section. This information will be very useful to
you as a representative payee for the elderly or vulnerable adults.
This section takes you through four areas to help you understand how to
prevent elder financial abuse; They are:





Elder Financial Abuse
Recognizing Financial Fraud
Preventing Abuse and
Elder Abuse Resources

Let’s discuss each one in detail:
Let’s start with the first bullet, “elder financial abuse:.” When you select
it, you’ll see information on how to understand elder abuse and who is
doing the abusing based on a study conducted in 2011. On the right
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hand side, there are answers to commonly asked questions like “What is
elder financial abuse?”, “Why are the elderly targeted”, and “Who takes
advantage of seniors.” You can also select “warning signs” for a list of
things you should be attentive to in order to prevent abuse.
You can continue the course on this page by selecting “Recognizing
Financial Fraud” on the right or by selecting the right arrow at the bottom
of the page or you can go back to the Seniors’ homepage and select the
second link. “Recognizing Financial Fraud.” Here you’ll have an
Introduction to fraud, including the definition.
On the right hand side you will find other links, as well as a few
scenarios of fraud. They are:


Anyone is susceptible to fraud,



Examples of fraud:,



Scenario on the telephone



Scams targeting Seniors:



Security at home and online



Scenario an Urgent Email
and

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

Mail Security

SKIT 2

Now before we move on, let me show you a couple of examples of
abuse or financial exploitation to our elderly and vulnerable adults.
Lynn

Vince and Debbie

Hello
Vince
Grandma it’s me! ( and mumbles…)
Lynn
Is that you David? I can’t hear you very well honey.
Vince
Yes grandma. I lost my wallet. I need you to wire me some money.
Lynn
Are you OK David? How do I do that?
Vince
Just go to Western Union. I need it fast grandma.
Lynn
Of course, of course, I’ll go right now. How much do you need….
FADE AWAY

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Skit 3

Script

This scam is usually perpetrated with letters, phone calls, or email.
Whatever the form, the message will say something like
“Congratulations! You’ve just won a lottery!” with a request to deposit a
large amount of money into your personal checking account. However,
you need to immediately wire a portion of the funds to a foreign account
to cover various taxes and administrative fees.
Tips: Legitimate lotteries pay taxes directly to the government rather
than being reimbursed from winners’ proceeds. It is against U.S. law to
play a foreign lottery by mail or by telephone.
Kristie – (Going through the mail and opens a letter) Reads out
loud
CONGRATULATIONS!! YOU JUST WON A LOTTERY.
Gets really excited and calls Phil over.
Phil!! Phil!! Come over here!! I won the lottery!!
David
What?? Are you serious?
Kristie
Yes look at this. It says congratulations that I just won $2,000,000!! Oh
my God Phil. Do you know how much we can do with that much
money??
David
Yes!! this is fantastic!!! When do we get it?
Kristie

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Well, first we have to wire $750 to an account in France to pay for the
taxes and processing fees.
David
Ohhh where are we getting that money from to wire it?
Kristie
We can use the money we have in our saving account. I think we have
about $80. Then in a couple of weeks we’ll be MILLIONAIRES.
David
Good idea!! let’s do it now!!
Kristie
OK. let me grab my purse….
FADE AWAY…

Narrator
See how easy it is to scam someone vulnerable? That’s why the more
informed you are, the better you’ll be able to protect the ones you love.
OK going back to the website.

Again you can move on to the next section on this page or from the
Seniors’ homepage by selecting the third link titled “Preventing abuse.”
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Or by selecting the right arrow at the bottom of the page.
When you select it you’ll see information on how to be pro-active and
learn how to take precautions now to defend yourself later.
You can be pro-active by:
 Keeping your finances organized
 Making a list of financial contacts and
 Keeping a watchful eye
On the right hand side you’ll see links to:
 Your best defense- Monitor financial activity
 How to obtain a credit report
 Financial service providers can help
 If our information is stolen
 Under-reporting of abuse and
 Report the abuse

And the last link is “resources”. When you select it, you’ll find a list of
elder abuse and resources for seniors.
They are:





: National Center on Elder Abuse
State directory of helplines, hotlines, and elder abuse prevention
resources
Eldercare locator — find help in your community
National Association of Area Agencies on Aging



National Adult Protective Services Association (NAPSA)

And some helpful articles:
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




CFP Guide to Financial Self Defense (PDF)
A Citizen’s Guide to Preventing and Reporting Elder Abuse
Guide to Financial Protection for Older Investors
How to Answer Those Tough Questions About Elder Abuse

On the right hand side you’ll find the links to





Articles
Glossary
Tools and
Course content, which is a course map

And that’s it for today. This doesn’t mean that’s all this website
provides. Go in and look around. It’s very easy to navigate and you can
get to it by using your computer, tablet, or smart phone!.
As I mentioned in the beginning, this website has a lot of useful
information for you as a rep payee to protect those elderly and
vulnerable adults that you serve..

SKIT 4

Thank you for watching.
Debbie
(Answers the phone) Hello?
John
Hello is this Mary Williams?
Debbie
Yes. How can I help you?

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John
My name is Scott Smith and I work for your electric company. We have
great news for you. For a limited time we’re offering you a new kind of
light bulb that will cut your electric bill up to 80 !! What do you think
about that?
Debbie
Oh that is wonderful!!
John
I know right? Well, in order to guarantee your order, all you need to do
is provide us with your customer account number, address, and a credit
card number.
Debbie
You’re asking me to give you my customer account number? You
should have that if you work for the electric company.
And my son advised me to never give my bank account information to
anyone over the phone.
So thank you, but NO thank you….(And hangs up)

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