Director of Finance Crime, former obelsik and former police officer, about encasement schemes, the second wage for managers of banks and the purchase of scrap metal
I studied at the Nizhny Novgorod school of militia which specializiruetsya on the fight against economic crime. After she worked for several years in the structures of the Ministry of internal Affairs of Ivanovo city Department on struggle against economic crimes, and then went to work for the tax police, where a couple of years worked as a detective officer.
In 2003, the tax police was disbanded, and I am on the other side of the fence. While working in the tax police had seen how people earn money in various schemes and frauds, and was tempted to do Absalom. In this business earn money literally out of thin air the money comes from one of the companies to the Bank account, you take them out and return (earning a percentage). In this case, the client goes from taxes (VAT or income).
At first I had one or two clients that have translated through me a small amount about 100 000 rubles per month. At that time, my percentage was about 3.5% and if we consider that 1% had taken a Bank, with 100 000 earnings was only 2 500 rubles. But business is growing. My clients began to recommend me to others, they are becoming more and more. I began to expand, he organized a new LLC, have attracted employees and cash, all in large quantities. Then I began to leave a large wholesale company that cashed the money for the Moscow end-user customers. They ordered a huge amount.
Today in Moscow the cost of obna increased to 8%. Cash has become more difficult, the capital has long been rushed to the regions. Regional banks are more sleepy and cash to produce them easier. Now a major Moscow companies are buying money in the region of 5-6% and sell them to final consumers at 8%. When I was doing it, sold the money to Moscow for 3.5%, and the end customer they were sold for 5%.
In large banks, the cash schemes are the "cheers", especially if cash company is the relationship with the head of the local branch and paying him a second salary.
The bankers give advice to partners on cash out: "cash, but a bit" or "stop now, we have a request from the Central Bank came". Basically the entire market obna revolves around the three largest banks. Smaller banks, which have the risk to lose the license, more experience and allow us to work less often and in small amounts. Although if the owner of the Bank understands that the Bank he earns or incurs losses, then he sells it to abdalsalam, or is to compete with them.
A typical apotheosis story with the banker obaldia it comes to check the CB and indicates the violation. The owner of a Bank are assessing the timing of the test and begins to engage in the cashing of a serious scale to earn the maximum amount of money and in addition also displays assets. He had nothing to lose, he will still lose your license and your ship will sink.
There are many interesting schemes, for example, was popular scrap metal buying. The company, which is engaged in buying up of metal individuals hand over on the day of the scrap by 50 000 rubles. The money to pay them, the company must stay in the Bank. Last requests to provide documents copies of passports of people who have passed the metal. The Bank provided a fake or stolen passport people and they issued the sum of 1.5 million rubles. The company submits to the Bank the application for this amount and receives money. Later, the cash are transferred to customers, which are pre-listed Bank transfer to a company is a scrap scavenger.
Bankers often turn a blind eye or put a condition: "we give you twenty per month, but no more." The firm agreed and cashed for 20 million rubles a month, while scrap metal has really passed for 500 000.
Similar discounted cash flow, procuring vegetables from farmers, fruit, honey, or buy herbs from the population.
Always do bankers know about the schemes? Of course. Although he agreed to work with us not only because of the second salary. Some banks did not take the money, but it worked, because officially received from deals a large percentage. Although some lenders with us basically did not work.
In working with banks, we used a conventional scheme: took off plastic cards individuals, from the accounts of legal entities promissory notes used, created for banks visibility of real activity. But the scheme has been modernized and has long gone outside the banking system. For example, the popular buying cash in commercial networks. Many retailers, large chain stores, gas stations, restaurants sell their cache.
For five years in this business I have formed a network in more than ten regions, hundreds of firms, two employees, and very interesting cash flows. We cashed up to 100 million rubles a day. But a lot was spent on salaries and security of people, covering us in the criminal component of the business (roof).
One of the biggest challenges of cash in business is the theft of his subordinates. The Director of one of the hundreds of schematics, OOO suddenly takes the money and breaks down somewhere abroad. Usually in a crisis situation is laid a special Fund, and the income cover casualties. There are situations and risk to the life of raids and theft. My friend in Moscow shot collectors. This is a very dangerous business.
It happened to me. When the amount of the cashed money rolls in billions of rubles, at some point, I was arrested by the FSB.
Why did this happen? Many in this business are able to negotiate with the authorities, but by local standards, my case was high-profile and large — volume was huge for a small town, about me already knew and the Central Bank, and law enforcement. In addition, I have engaged in the police, and the FSB. Made me a little show trial.
While there was a consequence, I had to serve a year in jail. In the end, I made a confession in a criminal case for me ended with the fact that I counted the time I spent in the detention center. What I concluded? When I worked, it is believed that time is not stealing from a specific person, it is normal business. But then I realized that it's still theft — from cashed money did not pay taxes. Before, I never thought about it or didn't understand.
As the cash flow from the old business was over and I was broke, I decided to create a company Finance Crime. I now invite firms to detect illegal schemes. For example, conduct master classes tell you how cash in company fixed deposits, how to identify them. I know the schema by heart, as a Mason, who was 20 years old lays bricks and can build a house with your eyes closed.
