 There are several triggers on the basis of which an application is suspected and picked as fraud sample. 
 Once an application is picked as a fraud sample, it is stamped and is photocopied for further processing.
 The photocopies are then brought to the agency. and the further processing begin. 
 Among the very first actions done is the visitation / verifications’ stage. Visitation is entirely based on the nature of the sample case. 
 As far as possible we try to conduct the verification / visitations in discreet manner.
 Verification / visitation carried out for certain fraud triggers and samples picked:
 After the visitations / verification / document verification/ is (are) over we prepare a report on our findings and submit the same to the Bank along with a recommendation on the application.
  For the entire process we are given a Turn Around Time from the date of picking up the sample. 
 The report formats have been decided and provided by the bank and reports are made over the same.
 Besides the verifications that we conduct, we submit regular MIS to the bank in respect of the activities carried by us for it.
 After the report for the sampling is submitted to the bank the bank decides the cases that are to be sent for further investigations.