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Of course. The fact that it is a service dog doesn’t reduce the bio-security risk. The following is a step by step guide from the Department of Agriculture and it has to be followed to the letter and all in the correct order. It is why many people opt to have it done by professionals.Group 3: step by step guide for dogs​​​​​Dogs coming to Australia from group 3 countries must be accompanied by a valid import permit, which provides the conditions for importing the dog. The conditions on the import permit take precedence over any other source of information. This step-by-step guide explains what you must do to prepare your dog for export; it is not a substitute for the import permit. Dogs must comply with all conditions on the import permit. Failure to comply with the conditions on the import permit may result in the dog being (at your cost): held longer in post entry quarantine subject to additional testing exported euthanased.On arrival in Australia dogs must spend a minimum of 10 day at the Mickleham post entry quarantine facility.A government approved veterinarian or official government veterinarian must perform all veterinary procedures listed below.All testing must be done in an approved country in a laboratory recognised by the government of the country of export.The department cannot give advice on treatments for diseases. Seek advice from a veterinarian if your dog tests positive to an infectious disease listed in the import conditions.[hide all]Step 1: Contact the competent authorityTimeframe: Before starting the export processContact the competent authority in the country of export to find out: which veterinarians and laboratories are approved to prepare your dog for export (all veterinary procedures and testing must be done in an approved country and testing must be done in a laboratory recognised by the competent authority of the approved exporting country) if the country of export has any requirements in addition to those stated on this webpage if the country of export has an agreed veterinary health certificate to use instead of the Department of Agriculture, Water and the Environment standard veterinary health certificate.The department recommends that you take this information to your government approved veterinarian or pet transport agent to help you understand the requirements.Further guidance for government approved veterinarians preparing dogs and cats to Australia:Guidance for government approved veterinarians preparing dogs and cats for export to Australia PDF [295 KB, 2 pages]Guidance for government approved veterinarians preparing dogs and cats for export to Australia DOC [120 KB, 2 pages]​Step 2: Confirm general eligibilityTimeframe: Before starting the export processDogs can only be exported to Australia from an approved country. can only be exported to Australia after 180 days from the date the blood sample for the rabies neutralising antibody titre test (RNATT) arrives at the testing laboratory – step 4 and 5 must not be under quarantine restrictions at the time of export. must not be more than 30 days pregnant nor be suckling young at the time of export.Domestic/non-domestic animal hybrids (e.g. wolf-dog crosses) are not eligible for import. This includes, but not limited to: Czechoslovakian wolfdog or Czechoslovakian Vlcak Saarloos wolfdog or Saarloos wolfhound Lupo Italiano or Italian wolfdog Kunming wolfdog or Kunming dog.Please contact the department’s Environmental Biosecurity Office for more information on hybrid animals and reproductive material/specimens.In accordance with the Customs (Prohibited Imports) Regulations 1956, dogs of the following pure breeds cannot be imported to Australia: dogo Argentino fila Brasileiro Japanese Tosa American pit bull terrier or pit bull terrier Perro de Presa Canario or Presa Canario.For more information on prohibited dog breeds, contact the Department of Home Affairs on +61 2 6264 1111 or 131 881 (within Australia).Step 3: Verify existing microchip or implant a new microchipTimeframe: Dependent on vaccine validityDogs must be identified by a microchip that can be read by an Avid, Trovan, Destron or other ISO compatible reader.A government approved veterinarian must scan the microchip at each veterinary visit. The scanned microchip number must be correctly recorded on all documentation.If the microchip cannot be read or is recorded incorrectly in the dog's documentation, the dog cannot be imported to Australia.Microchip numbers starting with 999 are not acceptable because they are not unique.Step 4: Check rabies vaccinationTimeframe: Dependent on vaccine validityYour dog must be vaccinated with an inactivated rabies vaccine that:was given in an approved country when the dog was at least 90 days oldis valid, in accordance with the manufacturer’s directions, at the time of exportis approved for use in dogs by the competent authority of the country of exportRabies vaccinations with a three (3) year validity are acceptable if given in accordance with manufacturer’s instructions.Step 5: Rabies neutralising antibody titre (RNAT) testTimeframe: Between 180 days and 24 months before the date of exportWait 3-4 weeks between the rabies vaccination and blood sample collection for the RNAT test, but if the dog has a history of regular rabies vaccinations it may be possible to collect the blood sample sooner.The RNAT test must meet the following requirements: A government approved veterinarian must scan the dog’s microchip and collect the blood sample for the RNAT test in an approved country. The dog’s microchip number must be written accurately on the blood tube and the laboratory submission form. The testing laboratory must be approved by the competent authority in the exporting country. It is acceptable to draw blood in an approved country and test it at a laboratory in a different approved country. The testing laboratory must use either a fluorescent antibody virus neutralisation (FAVN) test or a rapid fluorescent focus inhibition test (RFFIT). The laboratory report must be in English and completed on the testing laboratory’s letterhead. It must include: the dog’s microchip number the blood sampling date and location the signature of the person issuing the laboratory report the test type and test result.A result of 0.5 IU/ml or more is acceptable. A result of less than 0.5 IU/ml is not acceptable and in this circumstance you must re-vaccinate and repeat the testing process.The RNAT test is valid for 24 months from the date of blood sampling. If the RNAT test is more than 24 months old at the time of export it is not valid and you cannot export the dog to Australia. You must have your dog retested.The dog is not eligible for export to Australia until at least one hundred and eighty (180) days after the blood sample arrives at the lab for this RNAT test (with a satisfactory result). There is no requirement for the dog to stay in an approved country during this period.Note: There are no exceptions or dispensations available for this mandatory 180 day waiting period.Step 6: An official government veterinarian must complete the rabies vaccination and RNAT test declarationTimeframe: Before applying for the import permitAn official government veterinarian (not the government approved veterinarian) in the country of export must: check the RNAT test laboratory report and rabies vaccination certificate complete, sign and stamp the RNAT test declaration.The microchip number, test result and blood sampling date must be consistent between the RNAT test laboratory report and RNAT test declaration.Ensure the completed RNAT test declaration states the name of the testing laboratory, not the submitting laboratory.Step 7: Apply and pay for the import permitTimeframe: After you have received the completed rabies vaccination and RNAT test declaration, and at least 42 days before the proposed date of exportSubmit your import permit application, including full payment and all supporting documentation, online through our Biosecurity Import Conditions System (BICON).Supporting documentation (original documents are not required) must include: Rabies vaccination and RNAT test declaration. RNAT test laboratory report.Additional charges may apply if information is missing, incorrect or if an application is put on hold.We endeavour to assess import permit applications within 20 business days of receiving a complete and fully paid application however the legislated decision making period in relation to an import permit application is 123 business days. The decision making period may be paused where further information is required to assess the application or biosecurity risk. Submitting an application does not guarantee that we will grant an import permit.As of 1 March 2021, the import permit will be valid for 12 months or until the Rabies Neutralising Antibody Titre (RNAT) test expires, whichever occurs first.Step 8: Book tentative post entry quarantine accommodation and make travel arrangementsTimeframe: After you have received your import permitDogs must spend at least 10 days at the Mickleham post entry quarantine facility. See the Australian post entry quarantine facilities webpage for further information.Where a biosecurity officer deems necessary, diagnostic samples may be collected from animals in PEQ, including to verify that the import conditions continue to manage the biosecurity risks associated with the import of animals to Australia.Travel arrangements:The department does not place any restrictions on the airline you choose. But the dog must arrive direct into Melbourne International Airport. Domestic transfers from an Australian city to Melbourne are not permitted.The dog must travel as manifested cargo (not in the cabin), in an International Air Transport Association (IATA) approved crate for dogs. IATA guidelines can be viewed at Traveler's Pet Corner.There are animal transport companies in most countries that can make arrangements for you. Visit the International Pet and Animal Transportation Association for a list of animal transport companies worldwide.The department accepts no responsibility for animals that escape en route.All transport costs are at the importer’s expense.Transit/TranshipmentThe dog may transit (touch down but stay on the same plane) or tranship (change aircraft) in any country en route to Australia.Dogs transhipped through international airports in non-approved countries must not leave the international side of the airport.It is the importer’s responsibility to contact the competent authority in the country of transhipment to find out: whether they allow animals to tranship whether they have a facility to accommodate animals during transhipment how long the animals can be held if any additional conditions apply.Step 9: Check other vaccinationsTimeframe: Dependent on the validity of your dog’s vaccination and at least 14 days before the date of exportDogs may be vaccinated against Leptospira interrogans serovar Canicola as an alternative to the testing outlined in Step 14. If you choose to do this, dogs must be fully vaccinated against Leptospira interrogans serovar Canicola, according to manufacturer’s recommendations (usually an initial course of two vaccines 2-4 weeks apart followed by yearly boosters), at least 14 days before export. The vaccination must be valid at the time of export.Further guidance relating to Leptospira interrogans serovar Canicola vaccination for veterinarians preparing dogs for export to Australia is available:Leptospira interrogans sv. Canicola vaccination guidance for veterinarians preparing dogs for export to Australia PDF[441 KB, 2 page]Leptospira interrogans sv. Canicola vaccination guidance for veterinarians preparing dogs for export to Australia DOCX[26 KB, 2 page]The department recommends that your dog receives a vaccination that protects against Distemper, Hepatitis, Parvovirus, Para-influenza and Bordetella bronchiseptica and is valid for the entire post entry quarantine period.USA and Singapore only: Dogs exported from the USA and Singapore must be fully vaccinated against canine influenza virus (CIV).Use any CIV vaccine registered in the exporting country for use in dogs.Use a vaccine that is effective against the particular CIV virus strain(s) prevalent in the area in which the dog has been living.Vaccinations must be given between 12 months and 14 days before export.Previously unvaccinated animals must receive a primary course in accordance with manufacturer instructions.Canada and Republic of Korea: Dogs exported on or after 2 December 2019 from Canada and Republic of Korea must be fully vaccinated against canine influenza virus (CIV).Use any CIV vaccine registered in the exporting country for use in dogs.Use a vaccine that is effective against the particular CIV virus strain(s) prevalent in the area in which the dog has been living.Vaccinations must be given between 12 months and 14 days before export.Previously unvaccinated animals must receive a primary course in accordance with manufacturer instructions.Step 10: External parasite treatmentsTimeframe: Start at least 21 days before the date of blood sampling for Ehrlichia canis (Step 11)A government approved veterinarian must treat the dog with a product that kills ticks and fleas on contact at least 21 days before blood collection for Ehrlichia canis antibody testing. Continuous protection from external parasites must be maintained until the time of export and treatments may need to be repeated by the veterinarian in accordance with the manufacturer’s directions.To calculate 21 days after initial external parasite treatment, count the day the treatment is applied as day 0. For example, if treatment is given 1 January then the blood sample cannot be collected until 22 January.At each subsequent veterinary visit, the Government approved veterinarian should thoroughly check the dog for external parasites. If fleas or ticks are found they must be removed, the treatment restarted and the dog tested for Ehrlichia canis antibodies 21 days later.See the department’s webpage for further information on acceptable treatments.Step 11: Testing for Ehrlichia canisTimeframe: Within 45 days before the date of exportA government approved veterinarian must scan and verify the animal’s microchip and collect a blood sample at least 21 days after external parasite treatment starts (Step 10) and within 45 days before export. The sample must be tested for Ehrlichia canis infection by an Indirect Fluorescent Antibody Test (IFAT) for the detection of IgG antibodies. Polymerase chain reaction (PCR) tests or an IFAT for the detection of IgM antibodies are not accepted.​The test must produce a negative result at a dilution of 1:40.If external parasite treatments do not provide continuous protection from at least 21 days before the date of blood sampling for the Ehrlichia canis testing until export, the test result will be invalidated and steps 10 and 11 must be repeated.Step 12: Testing for Brucella canis (Brucellosis)Timeframe: Within 45 days before the date of exportIf the dog is desexed it doesn’t need testing for Brucellosis (evidence of desexing may be requested by the competent authority in the exporting country or the department).ORIf the dog is not desexed, a government approved veterinarian must scan and verify the animal’s microchip and collect a blood sample to be tested for Brucella canis using a rapid slide agglutination test (RSAT), a tube agglutination test (TAT) or an indirect fluorescent antibody test (IFAT) within 45 days before the date of export.The test must produce a negative result.If the result is positive or inconclusive contact the department for further advice.The dog must not be mated or artificially inseminated from 14 days before blood sampling until export.Step 13: Testing for Leishmania infantum (Leishmaniosis)Timeframe: Within 45 days before the date of exportA government approved veterinarian must scan and verify the animal’s microchip and collect a blood sample to be tested for Leishmania infantum using either an indirect fluorescent antibody test (IFAT) or an enzyme linked immunosorbent assay (ELISA) within 45 days before the date of export.The test must produce a negative result.Step 14: Testing for Leptospira canicola (Leptospirosis)Timeframe: Within 45 days before the date of exportThis step only applies if the dog has not been vaccinated against Leptospira interrogans serovar Canicola as per Step 9.A government approved veterinarian must scan and verify the animal’s microchip and collect a blood sample to be tested for Leptospira interrogans serovar Canicola using a microscopic agglutination test (MAT) within 45 days before the date of export.The test must produce a negative result (less than 50% agglutination) at a serum dilution of 1:100.Step 15: (only if the dog has ever visited mainland Africa): Babesia canis treatmentTimeframe: Within 28 days before the date of exportIf your dog has ever visited mainland Africa, a government approved veterinarian must treat it with a single dose of imidocarb dipropionate at a rate of 7.5mg/kg body weight, or two doses at a rate of 6.0 mg/kg body weight given at least 14 days apart. Treatments must be by subcutaneous injection and given within 28 days before export.Step 16: Internal parasite treatmentsTimeframe: Two treatments at least 14 days apart, with the second treatment given within 5 days before exportA government approved veterinarian must treat the dog twice with an internal parasite treatment effective against internal parasites (nematodes and cestodes). The two treatments must be administered at least 14 days apart and within 45 days before export. The second treatment must be given within five (5) days before export.​​ See the department’s webpage for further information on acceptable treatments.Step 17: Pre export clinical examinationTimeframe: Within 5 days before the date of exportThe dog must be examined by a government approved veterinarian or an official government veterinarian and found to be free from external parasites and clinical signs of infectious or contagious disease within five (5) days before export. You must bring all documents to this examination.Step 18: Completion of veterinary health certificate (Appendix 1)Timeframe: Within 5 days before the date of exportThe veterinary health certificate is Appendix 1 of your import permit.A valid import permit, with a veterinary health certificate completed by an official government veterinarian in the country of export must accompany the dog on arrival in Australia.An official government veterinarian must complete, sign and stamp all pages of the veterinary health certificateAny corrections made to the veterinary health certificate must be struck through, remain legible and be signed and stamped by the official government veterinarian (correction fluid must not be used).An official government veterinarian must also sign and stamp every page of the: Ehrlichia canis laboratory report. Leishmania infantum laboratory report. Brucella canis laboratory report (if not desexed). Leptospira interrogans serovar Canicola laboratory report (if not vaccinated). RNATT declaration RNATT laboratory report.Copies can be used, but they must bear the original signature of the official government veterinarian and stamp of the competent authority on every page.It is recommended that you also keep a copy of every document.For further guidance for official government veterinarians preparing dogs and cats to Australia:Guidance for official government veterinarians preparing dogs and cats for export to Australia PDF[364 KB, 1 page]Guidance for official government veterinarians preparing dogs and cats for export to Australia DOCX[37 KB, 1 page]Step 19: Travel to AustraliaThe dog must travel in an International Air Transport Association (IATA) approved crate for dogs (see Step 8).Do not place any items, including toys, medication or items of value, in the crate as they will be destroyed after arrival in Australia as biosecurity waste.In most cases the dog will be checked in at the freight terminal, not the passenger terminal.The dog must arrive in Australia before the import permit expires.Step 20: On arrival in AustraliaDepartmental staff will collect your dog on arrival for transport directly to the Mickleham post entry quarantine facility.Dogs must stay at Mickleham for a minimum of 10 days. Any issues that increase biosecurity risk may result in a longer stay.Where a biosecurity officer deems necessary, diagnostic samples may be collected from animals in PEQ, including to verify that the import conditions continue to manage the biosecurity risks associated with the import of animals to Australia.Subscribe to alertsSubscribe to receive information on:departmental policies that affect cat and dog importers and their agents.emergency situations i.e. overseas cat and dog disease outbreaks affecting imports.We recommend you check our website regularly for up‐to‐date information as import conditions can and may change without notice.Call 1800 900 090 Make a general inquiry Report a biosecurity concern Contact the media team Last reviewed: 16 February 2021

1. ELIGIBILITY CRITERIA FOR EMPANELMENT OF COLLECTION/ RECOVERY AGENTS (CRA)• Management Consulting Firms, Accounting Firms, Firms offering Asset Collection Management Services and NBFCs having expertise in Asset Collection Management services would be eligible. The firms working as Collection Agency with Public Sector Banks would be given preference.• CRA employees shall be graduates from any reputed university in India / Abroad.Preference will be given to the firms having Accounting / Engineering / Law Professionals. Besides, Collection Agency shall have “DIRECT RECOVERY AGENT CERTIFICATE” issued by the concerned agency (IIBF --INDIAN INSTITUTE OF BANKING & FINANCE) as per the guidelines of RBI (IIBF).• CRA should be registered with State’s Shops and establishment Act 1948 or other mandatory registrations which are statutory in nature as per law.• The registration of the CRA shall be at least three years old.• CRA shall have experience of at least three years of experience in handling the Collection/ resolution of NPA accounts with Public Sector Bank(s).• CRA shall have completed at least five assignments successfully with Public Sector Bank(s) earlier.• The firm of CRA shall have PAN number.• CRA shall have a thorough knowledge of the extant RBI guidelines and also instructions/ circulars issued by RBI/ IIBF/ IBA time to time on Collection Agency.• CRA having complaints before Police and also involved in court cases especially in the matters, which are in deviation to the extant RBI guidelines on “Collection Agency” and scope of work indicated by the Bank need not apply.• CRA blacklisted by any Bank need not apply for empanelment.• The Statutory and regulatory guidelines and changes in them issued by agencies concerned on Collection/ Recovery Agency from time to time should be adhered.__________________________________2. ELIGIBILITY CRITERIA FOR EMPANELMENT OF PRIVATE DETECTIVE AGENCY (PDA) AND SKIP TRACING AGENCY (STA)• Management Consulting Firms, Firms offering Private Detective Agency (PDA), Skip Tracing Agency Services and NBFCs having expertise in PDA and STA services would be eligible. The firms working as PDA and STA with Public Sector Banks would be given preference.• PDA and STA would be required to ascertain details of net worth, occupation, source of income, details of properties of the customers in their name/ guarantors and other assets as on date along with their current value, which may inter alia include- Immovable property in their names, residential house/ other buildings, if any, in their names, details of bank balances, deposits, investments etc. in their names and any other assets held in their name.• PDA and STA should be registered with Maharashtra Shops and establishment Act 1948 or other mandatory registrations which are statutory in nature as per law.• PDA and STA having complaints before Police and also involved in court cases especially in the matters, which are in deviation to the extant RBI guidelines on and scope of work indicated by the Bank need not apply.• PDA and STA blacklisted by any Bank need not apply for empanelment.• The registration of the PDA and STA shall be at least three years old.• PDA and STA shall have experience of at least three years of experience in handling the assignments with Public Sector Bank(s).• PDA and STA shall have completed at least five assignments successfully with Public Sector Bank(s) earlier.• The firms of PDA and STA shall have a PAN number.• Employees of PDA and STA shall be graduates from any reputed university in India/ Abroad.• PDA and STA shall have a thorough knowledge of the extant RBI guidelines and also instructions/ circulars issued by RBI/ IIBF/ IBA.• The Statutory and regulatory guidelines issued by agencies concerned on PDA and STA from time to time should be adhered.__________________________________3. ELIGIBILITY CRITERIA FOR EMPANELMENT OF RCU/ FI/ DVA (Vendors)• Partnership Firm or a Limited Company, Management Consulting Firms, Firms offering RCU/ FI/ DVA and NBFCs having expertise in RCU/ FI/ DVA, owned by predominantly persons who are Indian Residents, would be eligible.• Vendors should be registered with Maharashtra Shops and establishment Act 1948 or other mandatory registrations with statutory authority as per law.• Vendors working as RCU/ FI/ DVA with Public Sector Banks/ Other Banks.• The Vendors should not been found guilty of misconduct in a professional capacity. The Vendors blacklisted by any Bank need not apply for empanelment.• The vendors having complaints before Police and also involved in court cases especially in the matters, which are in deviation to the extant RBI guidelines on “RCU/ FI/ DVA” and scope of work indicated by the Bank need not apply.• The employees working with Vendors should be HSC or Graduate in any discipline, experience of two years with reasonable analytical ability.• The Vendors should have at least two years of experience in handling RCU/ FI/ DVA. The registration of the Vendors shall be at least two years old.• The Vendors need to submit at least two reference letters and the Bank needs to verify the quality of services provided by the vendor with the referees before empanelling them. The referees shall be from Branch managers of banks/ NBFCs where previously the Vendor had done Verifications. The reference letter shall be on the letterhead of the bank or NBFC which providing the reference.• The Vendors should have infrastructure such as fax, computers, mail connection, scanner, etc.• The Office should be well connected to Railway Station, Bus Station and City Centre.• The firm of RCU/ FI/ DVA shall have PAN number.• The Statutory and regulatory guidelines issued by agencies concerned on RCU/FI/DVA from time to time should be adhered.FIELD INVESTIGATION AGENCIES (FI), RISK CONTAINMENT UNIT (RCU), DOCUMENT VERIFICATION AGENCY (DVA), COLLECTION/ RECOVERY AGENCY (RCA), PRIVATE DETECTIVE AGENCY (PDA), SKIP TRACING AGENCY (STA) who fulfill the above eligibility criteria only shall submit the application)_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________SKIP TRACING JOBS AND TRAININGSkip tracing is an industry term used to describe the process of locating a fugitive or a missing person that can’t be found at their place of residence or usual hangouts. “Skip” refers to the person being searched for (derived from the term “to skip town”) and “tracing” meaning the act of locating the skip.The act of skip tracing is most often used by bail bondsmen, bounty hunters, repossession agents, private investigators, debt collectors, and even journalists. Skip tracing, however, may be performed by a professional — called a skip tracer — who is an expert in this process.HOW IS SKIP TRACING PERFORMED?Skip tracing is performed by collecting information on the individual in question. All information recovered by the skip tracer is analyzed, verified, and used to determine the location of the individual. Skip tracing may involve gathering and analyzing a great deal of information or very little information, both of which have their own set of advantages and disadvantages.Although most skip tracers now head to the Internet to gather information on the whereabouts of individuals, many also employ social engineering, the art of calling on individuals who may have information about the subject.It is the job of the skip tracer to use any number of resources and databases to collect the required information. As such, skip tracing often involves accessing the following:o Phone number databaseso Credit reportso Credit card applicationso Job applicationso Criminal background checkso Loan applicationso Utility billso Public tax informationo Public records databaseso Courthouse recordso Department store loyalty cardso Air travel recordso Driver’s license/vehicle registration departmentsSKIP TRACING AND BOUNTY HUNTINGThe term skip tracing is most often used in the field of bail bonds and bounty hunting, and many bounty hunters and bail bondsmen use the services of skip tracers to help locate individuals who have failed to meet the conditions of their bond. Because of this, skip tracing and bounty hunting are often mistakenly used synonymously.Skip tracing is a unique process, however, and, although it is often a function of bounty hunting, the two actions are distinctly different. In short, bounty hunters can act as skip tracers but skip tracers cannot serve as bounty hunters.Both bail bondsmen and bounty hunters use skip tracing to locate an individual who has skipped bail. Because the defendant who skips bail does not want to be found for fear of being sent to prison (referred to as an intentional skip, versus an unintentional skip, which involves a person who isn’t trying to avoid detection), the job of skip tracing in the bail bonds field can be quite challenging.Skip tracing in bounty hunting involves assessing information on the subject and uncovering facts to help in the apprehension of the fugitive. Using both traditional records and online tools and databases, all the while abiding by federal, state and local laws, such as trespass laws and privacy laws, skip tracers collect evidence and compose reports that are then used by bounty hunters when attempting an apprehension of the fugitive.Skip tracing is not unlike detective work, as it involves scouring databases, understanding where and how to search for information, and following up on leads. Skip tracing professionals conduct interviews, engage in surveillance activities, and assess information about their subject.HOW TO BECOME A SKIP TRACER: JOBS AND TRAININGAlthough there are no formal training requirements for performing skip tracing, professionals who want to learn how to become a skip tracer should make it a priority to learn about state and federal laws regarding everything from surveillance laws to privacy laws. Individuals interested in jobs in skip tracing may also achieve more career opportunities by specializing in a specific area of skip tracing, such as bounty hunting or debt collecting.Many skip tracers receive their training on the job, working for bail bond agencies, private investigation firms, debt collection agencies, etc. A good working knowledge of computer systems and databases is required to achieve success in this profession, as is the ability to communicate well with people.Formal training for skip tracer jobs can be attained through seminars and workshops, which are often offered through professional associations, such as the National Association of Fugitive Recovery Agents and the American Recovery Association Inc. Online seminars in skip tracing are also a popular option for skip tracers and other professionals, such as bounty hunters, debt collectors, and private investigators, who want to learn about the latest online search tools and databases.OPPORTUNITIES FOR SKIP TRACERSA number of industries hire skip tracers as employees, including debt collection agencies, investigative firms, and even law enforcement agencies. However, perhaps just as many skip tracers work as independent contractors, with bounty hunters, bail bondsmen and private investigators using their services as needed.__________________FRAUD PREVENTION AND CONTROLo PROCESS OF FRAUD SAMPLING: ----APPLICATION FRAUD: - An Application for a credit card or loan using details intended to mislead the issuer, or a card or loan obtained by using false information, fake identity over application form can be said to be an application fraud.o To check the credibility of a person, contact point verification, income document verifications & KYC document verifications are the basic methods used.o An applicant may use an altered data in his income documents so as to improve the chances of approval of his application. Consequently, after the approval, the member generally fails to make payments.o The documents that are presented by the applicant at the time of applying for the card or loan may be any of the following: -INCOME DOCS.1. Income Tax Return (ITR) and Financial2. Form 163. Salary Slip / Salary Certificate / Appointment letter4. Credit card Statement of any other Bank he is a card member of Other than these documents.5. LIC policy documentBANK STATEMENTo KYC Docso ID Proof (Passport, DL, Voter ID, PAN, Ration Card etc.)o Address Proof (Passport, DL, Voter ID, PAN, Ration Card, Electricity Bill, Telephone Bill, Water Bill, Rent Agreement, Lease Deed, GPA, Partnership Deed etc.o It is an easily understood fact that alterations into the data of any of these documents or production of fake documents hence improving the profile of the applicant is not a very difficult task to be performed by intentional frauds.o A Fraud can make one or multiple applications to one or several card-issuing banks using false data and variations between applications in order to make some of them pass the bank’s screening process.o Almost all Card or Loan issuing Companies / Banks have contracts with vendors for sourcing their card applications. Since this is an outsourced activity, the types of frauds that we stated earlier / above are often committed by the employees of the vendors as well in order to improve their total number of applications sourced and consequently to meet their targets and get good commissions. Hence Issuers (Banks) often come across cases of application pumping, applications of non-existing persons or addresses.o We hence make attempts in several ways to help strengthen the banks improve the detection of fraudulent applications. Our first and foremost step towards this is to detect fraudulent/ suspicious applications and minimize fraud application losses to the Card Issuer banks / Companies. We use our personal skills/ experience and broad-based approaches to achieve effectiveness in fraud Checks. We pick samples from several applications of the same type of information/ documents and through our discreet /Non-discreet methods of verifications and investigations called fraud samplings to try to detect the fraud applications/ individuals / Sourcing agentso This Process is known as Fraud Sampling.SAMPLE PICK UP: -Executives of RCU or FCU on a daily basis check 100% of the applications received for any products from the banks and select some percentage of the lot, depending over the type of document received for sampling. All the applications that are checked are stamped “F C U Checked” and the ones that are selected for sampling are stamped as “Fraud Sample Picked”. No application without a “fraud sample checked” stamp over it can be sent for further processing in the mailroom of the bank. Besides the executives who review the applications put a chit over the application mentioning the reason sample picked.This chit helps the case to be verified and an action plan to be prepared over it once it is sent to Agency. The premise(s) from where the applications are selected/checked is defined by the bank.__________________Mystery Shopping is a process in which a person visits a retail store, restaurant, bank branch or any such location with the objective of measuring the quality of customer experience.Many companies define detailed processes and parameters to ensure that customers will have a good experience in their sales locations. Some examples are:How customers will be greetedo What is the maximum acceptable waiting timeo What should be the temperature of the facilityo How many products should be on display etc.To ensure that these processes are followed, these companies hire Mystery Shopping Companies to conduct regular audits on their locations.The mystery shopping companies (also called Mystery Shopping Agencies) find people who match the target customer profile, provide them a questionnaire for recording their experience, and provide some training on how to measure various parameters. This person is called a Mystery Shopper. These mystery shoppers then visit the location pretending to be a customer and make careful note of things they have been asked to measure. The data is reported to the mystery shopping company, who compiles and analyzes data gathered from different locations to help their clients measure and improve their customer experience.Mystery shoppers are usually freelancers or people who do this on the side and are paid a fee to conduct each mystery audit. If the audit involves purchasing or consuming anything - the mystery shoppers are usually provided a full or partial reimbursement of the money they spend as well._______________________- Initiating Seeding and Mystery Shopping activities.- Conducting various Agency audits including Collection Agency, FI Agency, RCU Agency, etc.- Monitoring the operations of the staff and recommending corrections for improvement.- Valuation of the fraud and assisting in the recovery.- The audit process includes Merchant Visits.- Receipt verification and data analysis from the MIS received.- Report preparation and retail client visits.___________________VERIFICATION OF APPLICATIONS SUBMITTED FOR CONSUMER BANK –ASSETS FOR IDENTIFYING AND MITIGATING FRAUDS PRIOR TO DISBURSEMENT.o Coordination and Monitoring of Verification agency for sampling activities done by the Agencyo Co-ordination with Credit Managers of various products for running daily operations smoothly.o Audit of the collection agencyo Any other activity assigned pertaining to RCU of Consumer Bank - Assetso MIS preparation and co-ordination with Head Officeo Supervising Ahmedabad and Rajkot RCU-RA activitiesTHE MEASURABLE WILL BE –o Control application Frauds by ensuring sampling efficiency at defined sampling percentageso Ensure optimum fraud hit rates with a sharp focus on document and profile related frauds.o Frauds prevented by sampling/screening processo Recovery cross-checks and agency controlso Quality of investigation and root cause analysiso Maintenance of TAT__________________________THE ROLE OF RISK CONTAINMENT UNIT (RCU) –CONSUMER BANKING AS A DEPARTMENT IS BROADLY CATEGORIZED INTO THE FOLLOWING:o Data Intelligence Team also known as Control team send alerts/ reports related to breach of bank defined limits/ suspicious trxn/ regulatory violations etco Pre A/C Opening Check / Verification on a sample basiso Onsite Process Support Visits for ensuring adherence to process.o Analytics for monitoring suspect transactionso Offsite monitoring via Compliance Certificate to confirm compliance to Regulatory items/ Processes/ Systems/ Controls by RL Branches.o Loss Data Management – Unusual Evento Case Management for Incidentso Investigation & Root Cause Analysis of fraud/dispute caseso Third-Party Product Analytics to ensure that the process of sale and product sold are right and suit the customer’s profile.o Analysis of Direct Banking Fraud Trends & Investigation/Action to be taken for limiting the risks.o Collection Receipt / Settlement Cases Calling on a random sampling basis to customers in order to confirm the genuineness of the receipts provided in records.o Agency Audit is conducted to check process adherence._____________________o Develop and sustain a system for Fraud identification, monitoring, investigating, reporting in order to minimize fraud losses and ensure timely recovery of fraud-related claims.o 100% screening & Sampling of Mortgage application based on scientific triggers.o Conducting end to end fraud document & profile investigation to reach out to fraud perpetratoro Weeding out negative elements (application /DSEs/companies) from the systemo Handling a team samplers for various risk control activitieso Cross-checking of FI reports & sharingo Cross-checking the authenticity & quality of RCU agency reports and vendor managemento DMA & DME pre empanelment market checks.o Continuous feedback to the policy team for updating the policy.o Audit & training of all the associated agencies viz., Direct Marketing Associates, Connectors, Collection agencies, Courier agencies, etc and report sharing with Business teams to align the process & system at our outsourced channels_____________________________BANK STATEMENT VALIDATION AND VERIFICATION WITH CONCERNED BANKo Criminal Records Checko Financial Competency Checko Financial Documents Checko Stability Checko Background Verification Checko Passport Checko All other Documents Authentication_________________________JOB ROLEo Verification of applications submitted for Home Loan / LAP Loan for identifying and mitigating frauds prior to disbursemento Coordination and Monitoring of Verification agency for sampling activities done by the Agencyo Co-ordination with Credit Managers of various products for running daily operations smoothlyo Audit of the collection agencyo Any other activity assigned pertaining to RCUo MIS preparation and co-ordination with Head Officeo Supervising RCU-RA activitiesTHE MEASURABLE WILL BEo Control application Frauds by ensuring sampling efficiency at defined sampling percentageso Ensure optimum fraud hit rates with a sharp focus on document and profile related fraudso Frauds prevented by sampling/screening processo Recovery cross-checks and agency controlso Quality of investigation and root cause analysiso Maintenance of TA__________________________BUSINESS VERTICALS: FRAUD & RISK CONTROLFRAUD & RISK CONTROL UNIT (FRC)ACTIVITIES CONDUCTED UNDER PFRC UNIT ARE AS BELOWEMPLOYEE BACKGROUND CHECKI. ADDRESS CHECKWe visit the stated address and verify whether the candidate is staying there. Details are confirmed through the neighbors and contacted person of the stated addressII. EDUCATION CHECKWe verify the same through direct contact with the authorized person/s in the student records department of the relevant educational institutionsIII. EMPLOYMENT CHECKWe check the duration of work, Designation, Salary, Reason of Exit, and any breach of contract been done by the candidate. We verify this information form HR unit/ reporting authority of the particular Company where candidate was employed previouslyIV. REFERENCE CHECKWe contact with the references provided and check the genuinely/ Integrity/ social background of the candidateV. CRIMINAL BACKGROUND CHECKWe verify the presence or absence of any criminal records through the police station whose jurisdiction the stated address of the candidate comes underVI. GLOBAL DATABASE CHECKWe identify any sanctions, debarments, disciplinary records and compliance violations (India / Global) through Data-BaseVII. DRUG TESTWe visit client premises to collect the required samples and check for the presence of the specified drugs. The findings are corroborated with a report from the laboratory________________________________RCU (RISK CONTAINMENT UNIT - RCU) ServicesI. SCREENING & SAMPLING PROCESSThis is Pre – Sanction activity done for Various Retail loan products and in this we do screening of 100% files logged in, and look for any subspecies documents/ profile. We collect the samples of those documents up to the prescribed percentage of logged-in files for Verification and detailed report with findings is submitted in agreed Turnaround timeII. DOCUMENT VERIFICATIONWe verify the authenticity of KYC/ Income and other documents with the issuing authorities which could be the registrar, the hospital, Passport office, and other concerned authorities and highlight any mismatch or discrepancy detected (during verification) between the details mentioned on the document and that found in the authority_________________________SEEDING & MYSTERY SHOPPINGSEEDING & MYSTERY SHOPPING IS AN ACTIVITY CONDUCTED TO CHECKo Customer identification process followed by respective Units / Associateso Apparatus, equipment, and infrastructure employed for conducting Activitieso Sacrosanctity of services and approach, the process being conducted by Units / AssociatesDEALER STOCKYARD AUDITDEALER STOCKYARD AUDIT IS AN ACTIVITY CONDUCTED TO CHECKo To identify or Analyze the Utilization of Funding done by Bank’s / Financial Institute to Dealer’s for their working Capitalo Analysis & Tracking of physical stock available at the stockyard, stock in transit and sold Stocko Re-finance for new additional stockINVESTIGATIONINVESTIGATION IS A DESK CHECK & FIELD CHECK CONDUCTED TO FIND OUTo The correctness of Documents or Information Provided by any Applicanto Checking of his background & Involvement in political/ illegal activityo Cross-checking his criminal backgroundo Checking of relationship with business associates of Customero Checking of his Lifestyle with connection to his monthly earningo Previous Employer Feedback checking on his integrity

Hang with me, it's long. My apologies in advance.Questions are meant to gain knowledge, not to shortcut learning.Asking too many questions implies your lack of ability to apply what you've learned to guide your next steps.For example:If you had never written a formal business letter and approached me for help (in real life), the first thing I would suggest was that you educate yourself.I would assume you would be taking it upon yourself to find and review things like old textbooks, letters to or from management, lookup and locate the correct blank company letterhead you'll need, Search Google for images, instructions, or tutorials, in order to view or write formal business letters, etc.When you returned to me for further assistance, I’d expect at least a written draft or sample document with all known (or unknown) information filled in.I would then review it with you, politely, noting things you needed to change, fix, include, omit, reword, etc.If I noticed a problem, such as a lack of knowledge in using formal titles, I would ask you to learn or review before you came to me again.This would continue back and forth until confidence that you had learned was assured from me to you.From then on, your job duty would be to write or format the letters, as instructed, to ask, “Is this ok, or should I change it?”