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"Ogni giorno sento imprenditori che mi chiamano in quanto contattati da falsari che propongono queste operazioni:

PPP e PPP Immobiliari. Ribadisco che tali operazioni non esistono ma sono solo illusioni"

Ing. Fabio Sipolino  (5 Ottobre 2012)

 

 

Cell.: 3456990317

Skype: fabio.sipolino

 

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PPP (Private Placement Program), piani d’investimento farlocchi

di

Dr. Lucio Sgarabotto

Analista Finanziario indipendente NAFOP

 

 

Da qualche tempo a questa parte ricevo frequentemente richieste di chiarimenti sui Programmi di collocamento privato (Private Placement Program o PPP). Sembra sia diventata una moda. Purtroppo in tempi di crisi queste sono le mode che si diffondono. Infatti, dietro ai PPP spesso si nascondono truffe note come “schema di Ponzi”. Ponzi, vissuto a cavallo tra l’800 e il ‘900, era un immigrato italiano negli Stati Uniti divenuto famoso per una frode che aveva il seguente schema: 1) promessa di rendimenti elevati senza rischi in poco tempo; 2) ottenimento effettivo di tali risultati nei tempi previsti; 3) incremento delle somme investite da parte del cliente iniziale e di altri clienti invogliati dal diffondersi delle voci; 4) pagamento dei rendimenti permesso dalle nuove sottoscrizioni; 5) interruzione dello schema quando le richieste di riscatto diventano superiori agli incassi, lasciando gli ultimi clienti con le tasche vuote.

I PPP che garantiscono rendimenti elevati senza rischi solitamente funzionano in tal maniera.

A fronte di un deposito, ma anche di beni reali (oro o immobili, per esempio), che fornisce la garanzia il gestore di PPP può operare su varie attività finanziarie. Le più frequentemente usuate sono le MTN (Medium Term Note), strumenti di debito emessi generalmente da banche, sulla cui emissione il PPP incassa una commissione o conosce già un acquirente a cui rivenderli ad un prezzo più elevato di quello d’acquisto. Partecipando con frequenza a queste emissioni e incassando le relative provvigioni ecco generati i profitti elevati. Almeno questa è la spiegazione fornita.

I nomi di questi programmi sono i più svariati e quasi sempre in inglese: “Prime Bank Investment Programs”, “Debenture Programs”, “Guarantees, High Yield Trading Programs”, “Medium Term Note Trading”, “Standby Letter of Credit Trading Programs”, “Roll Programme’s”, ecc.

Per rendere l’operazione attraente i rendimenti promessi sono elevatissimi, naturalmente senza rischio, e, per rinforzare l’idea dell’investimento esclusivo, si sostiene che l’accesso è riservato e che il programma è autorizzato dalla Federal Reserve, o dal Fondo Monetario Internazionale, o dalle Nazioni Unite e così via. Per rendere più credibile l’operazione si asserisce spesso che, data la cospicuità dei guadagni, la stessa Istituzione autorizzatrice impone che una parte dei profitti venga accantonata in un conto speciale per la guerra contro il terrorismo, l’HIV o qualche altra forma di lotta altamente morale. Anche gli importi per entrare nel Programma sono elevati, ma se non si ha l’intera cifra a disposizione è possibile comunque aderire al programma in un pool di investitori i cui fondi saranno impiegati in tutta sicurezza rimanendo nel proprio deposito.

Succede poi si venga informati che il programma è al momento esaurito, ma che, per evitare delusioni e ritardi, si potrebbe permettere al gestore di utilizzare direttamente il deposito, magari tramite delega. Accettata questa condizione il programma può partire. I rendimenti saranno inizialmente elevati e pagati con puntualità e l’investitore inconsciamente diffonderà la truffa parlando in giro degli ottimi risultati ottenuti e coinvolgendo così altre persone.

Ad un certo punto, inaspettatamente, i pagamenti verranno bloccati o subiranno ritardi. Dal gestore verranno accampate le più svariate scuse per giustificare la mancata corresponsione degli interessi: un errore della banca, un codice errato, questo mese gli utili sono stati reinvestiti, il trader si trova in missione all’estero o è stato mandato a far la guerra in Iraq. Questo è l’inizio della fine. O solo la fine.

Fornisco di seguito un elenco di parole o frasi spesso usate in questi raggiri e che dovrebbero allertare:

Humanitarian ProjectsEuropean Banking WeekEuropean Banking YearFacilitatorHigh Yield Investment ProgramCommitment HoldersPrime BanksTop Five, Ten or Twenty World BanksBank Debenture Trading ProgramsSecret Trading ProgramNon-Circumvent AgreementsNon-Disclosure AgreementsGood, Clean, Clear and of Non-Criminal Origin FundsTreasury ApprovedFed ApprovedRoll ProgrammeCompliance OfficerLondon Short FormLondon Short Form Letter of CreditProof of Fund or POFNon-Depletion AccountThe Program Grew out of the Marshall Plan or Bretton Woods Agreement

Sarebbe interessante che chi ha avuto approcci per la sottoscrizione di Private Placement Program riportasse comunicasse sia le modalità di contatto sia le società che li promuovono per verificare se i nominativi coinvolti hanno connessioni con altre truffe o frodi.

Delibera Consob n.17634 relativa ad un programma PPP

 

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"I PPP non esistono, sono solo frodi internazionali: non consiglierei mai a un mio cliente di accedere a queste operazioni prive di senso "

                                                                             Ing. Fabio Sipolino

 

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Verrà data una spiegazione di massima sulle operazioni di PPP. 
Per ulteriori informazioni e chiarimenti sarebbe meglio formalizzare un incontro in banca direttamente con il responsabile finanziario del trading anche perchè Financial Polis non è autorizzato a rilasciare documenti o procedure ufficiali se non dopo la manifestazione di un vero interesse diretto cliente-banca in osservanza delle normative vigenti. 
 
L'operazione si configura in questo modo:

per prima cosa si tratta per entrare in programma con una piattaforma finanziaria ovvero un pool di banche. Le primarie banche che rappresentano la piattaforma sono: 
CREDIT SWISS and RESERVE BANK OF NEW ZEALAND con una capo gruppo che viene stabilita all'inizio di ogni programma.

A questo tipo di operazioni principalmente, prima della crisi, avevano accesso fondamentalmente associazioni, istituti bancari, grosse società, comuni, istituzioni ecclesiastiche, ecc. 
Dopo il tracollo finanziario queste associazioni si sono aperte anche ad alcuni privati; ovviamente l'interessato privato prima di essere fatto entrare in programma viene analizzato dalla piattaforma che ne verifica l'attendibilità nel suo interesse.

Dopo aver accertato la correttezza del privato si procede in questo modo:

Ho molto dubbi su tale tipo di procedura e su tale tipo di operazione: non consiglierei mai a un mio cliente di addentrarsi in queste follie  (Ing. Fabio Sipolino)

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Cos'è un Private Placement Program, meglio conosciuto come "PPP" ?

Si tratta di programmi di investimento ad alto rendimento, che permettono ad investitori in possesso di capitali elevati di ottenere profitti superiori a quelli realizzabili con la media dei prodotti tradizionali.

I programmi di collocamento privato (o programmi di investimento ad alto rendimento) sono programmi privati sulla base di BUY/SELL della banca di strumenti finanziari (principalmente MTNs).

Questi strumenti vengono acquistati freschi tagliati con uno sconto significativo sul loro valore nominale, per poi essere rivenduti a un prezzo più alto sul mercato secondario. La differenza tra il prezzo di vendita e il prezzo di acquisto è il puro guadagno del Trader e degli investitori.

Questi programmi sono offerti ai clienti con capacità di spesa elevata e possono essere eseguiti solo da Trader con una licenza speciale per effettuare tali operazioni. Una parte importante dei rendimenti sono destinati a cause umanitarie e al finanziamento di progetti di business.

Come mai così pochi investitori conoscono questi programmi? Sono nuovi?

Questi programmi non sono di dominio pubblico e solo un piccolo gruppo di investitori con capitali propri o strumenti bancari di proprietà può averne accesso, solo ed esclusivamente su invito.

Queste forme di investimento non sono nuove, sono sul mercato da più di 55 anni.

Sono sicuri?

I programmi di collocamento privato NON comportano rischi per l'investitore. Il BUY/SELL di MTNs è esente da rischi a condizione che il Trader sia garantito.

Se abbiamo a che fare con un vero e proprio Trader, infatti, l'investimento sarà garantito da contratto e quindi non ci sarà alcun rischio per l'investitore. Prima dell'inizio del programma, il Trader si "prepara" la pianificazione dei futuri acquisti e vendite, sapendo quindi in anticipo i benefici che ognuno di essi porterà. In una seconda fase, il programma verrà eseguito, il che non significa altro che effettuare gli ordini BUY/SELL che sono stati precedentemente pianificati.

Devo consegnare o trasferire i miei fondi al Trader?

In ogni caso, i fondi rimarranno sempre sul conto degli investitori. Per eseguire il programma, sarà solo necessario che restino bloccati per tutta la durata dell'investimento.

Cosa serve per fare un PPP?

Un private placement program è un investimento finanziario, pertanto serve un capitale. Questo capitale di norma deve essere liquido (cash) ma èprivate-placement-programpossibile usare come "asset" per l’investimento anche titoli bancari, gestioni patrimoniali, certificati di deposito, oro, diamanti, opere d’arte e immobili.

Chi può partecipare?

La partecipazione ad un private placement program è concessa ad un investitore titolare di asset consistenti.

Tali "asset" devono tassativamente essere di origine chiara e pulita.

E’ importante tenere presente che la richiesta di partecipazionead un programma non ne comporta l’automatica accettazione e può essere rifiutata, qualora taluni requisiti del cliente/investitore non fossero rispettati.

PPP refers specifically to private placement trading programs with a high return on the investment associated with humanitarian project funding programs or Fed programs as compared to capital enhancement programs.

 

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These programs provide the traders with fresh issues of MTNs or T-Bills that produce high profit margins. This is known as the first tier. In the commercial world this would be called the B2B wholesale market. Now we all know that end users usually do not have access to the prices offered in the wholesale market, so they buy goods in the convenience store and not direct from the producer.

Most of the time these programs require the investors to use a portion of their earnings for projects of humanitarian, social, or economic development in nature to make sure that part of these Profits are put back into the economy.

Even after deducting the portion of earnings to be used for projects, the investor is still left with a very substantial profit for their own investments.

Performing PPP programs are difficult to find and are not always available. Only a very restricted number of high-level traders can get access to these type of programs.

Many capable investors have been looking around for PPPs for years and are unable to find a performing provider. Often they have wasted large sums of money by sending MT760’s to banks and so called traders that simply can not perform.

Genuine programs are without risk to the investor what so ever, as the credit line raised against the capital is underwritten by the trading group. The (Investor) therefore is involved for the purpose of audit only, as it is by law that Financial institutions are not allowed to participate and therefore have to find a Private entity either a private person or company. At no time are the investor’s or better called Audit Fund Provider’s funds used for the trade.

The procedures to enter are simple and fairly standard, however the Audit Fund Provider will have to adhere to strict compliance and non-disclosure. Many claim to be next to traders, this is 99.99% not the case. Traders are very busy people and have no time to sit down and have a chat. Therefore they have a structure in place where the first contact is with a compliance officer who will go through the submission papers and sort out the good from the nonsense.

 

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Critica di Lucio Sgarabotto

 

Private Placement Investment e Private Placement Program (PPP) pur avendo nomi simili sono cose completamente diverse. Nel primo caso si tratta di un collocamento privato (generalmente obbligazionario) per clienti ad elevato potenziale a condizioni migliori rispetto a quanto recuperabile sul mercato. Nel secondo caso, molto raro, sono soprattutto istituti stranieri ad operare. Per poter investire tramite PPP, a seconda dei casi, è necessario conferire un patrimonio o dare la possibilità al gestore di disporre delle somme o dei beni (anche immobiliari) o offrire garanzie tramite il proprio patrimonio.

Le promesse di rendimento sono elevatissime, si arriva anche al 150% annuo e oltre, i rischi ancora di più (c’è però un vantaggio che le perdite non possono superare il 100%). Generalmente i capitali disponibili vengono investiti in operazioni a leva, in obbligazioni ad alto rendimento o altre amenità del genere. Anche se non è una regola, questo è uno dei canali preferiti per la costituzione di “Ponzi scheme”. Le ricorda qualcosa un certo MADOFF?


Cordialmente

Lucio Sgarabotto
 

 

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AFFILIATION PROGRAM
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Step 1:

go in
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Step 3:

Connect the Founder Ing. Fabio Sipolino on Skype

Skype Id: fabio.sipolino1

I will put you in the meet up

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Il Sistema Financial Polis, di cui Ing. Fabio Sipolino è l'unico Fondatore, è basato sulla rivoluzionaria filosofia WIKI. Qualunque informazione riportata che non fosse in regola con la NORMATIVA VIGENTE sarà rimossa o riformulata.

Qualunque PROSUMER che notasse un' anomalia in contraddizione con la NORMATIVA VIGENTE dovrà doverosamente avvertire l' unico Fondatore e Detentore del Marchio Financial Polis:  Ing. Fabio Sipolino

 

 

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Il Sistema Financial Polis, di cui Ing. Fabio Sipolino è l'unico Fondatore, è basato sulla rivoluzionaria filosofia WIKI. Qualunque informazione riportata che non fosse in regola con la NORMATIVA VIGENTE sarà rimossa o riformulata.

Qualunque PROSUMER che notasse un' anomalia in contraddizione con la NORMATIVA VIGENTE dovrà doverosamente avvertire l' unico Fondatore e Detentore del Marchio Financial Polis:  Ing. Fabio Sipolino

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Scams Involving the Federal Reserve Name

Scams Involving High Yield Investment Programs—Often Involving Private Placement Programs/Medium Term Notes
February 2012

For more than a decade, the Federal Reserve has been warning the public about fraudulent investment schemes that go by various names, but generically are known as High Yield Investment Programs (also known as "Private Placement Programs," "Capital Enhancement Programs," "Riskless Principal Trading Programs," "Federal Reserve Trading Programs" or "Bank Debenture Trading Programs"). These schemes continue to be used to target innocent investors. The programs purport to be highly secretive, but the marketer of the fraud scheme claims to have connections to the Federal Reserve or some other internationally renowned organization such as the United Nations, the IMF or the World Bank. The marketer claims that through these connections, members of the public can participate in very lucrative programs of investments involving various types of financial instruments, such as Medium Term Notes, standby letters of credit, and/or "prime bank" guarantees. These fraudulent "programs" are presented as legitimate investment vehicles being offered by traders or marketers with special "invitation only" access to the secret program operated by the U.S. Federal Reserve.

Fraudsters claim that proceeds from the programs are slated for investment, often overseas. Fictitious letters with seemingly convincing letterhead are often used to convince targets that the programs are legitimate.

Targets are told that in order to participate they must provide the fraudster with verification of large (usually multi-million dollar) deposits in a personal bank account and copies of personal information containing pictures and signature information, such as driver’s licenses or passports. The fraudsters usually give "guarantees," frequently in writing that the money will remain in the target’s account, under his or her sole control, throughout the term of the program. However, the targeted victims are often asked to sign multiple bank documents that often allow the fraudster to act as a co-signer. This authority permits the scammer to wire transfer the money out of the account, despite the guarantee never to move the funds. In other instances, the fraudster has available to him the documentation necessary to impersonate the target and take the money from the designated account.

Employees of the Federal Reserve Bank of New York and the Federal Reserve System will not offer investments to the general public. Furthermore, the Federal Reserve does not authorize, license, or sanction agents or traders to deal with the general public for High Yield Investment Programs.

The fraudsters market these schemes to investors in a number of ways, often describing overly complex and nonsensical transactions. Specifically, the fraudsters have been known to use some or all of the following false claims or descriptions in an attempt to enhance the credibility of the scam:

  • The Federal Reserve controls the issuance and distribution of the Medium-Term Notes or High Yield Investments offered—often as a means of controlling the monetary supply, or to enhance the economy of the United States.
  • The Federal Reserve issues the investments in a highly secretive and confidential manner, known to a select few only, and the scammer is one of the few who can access the program. For example, the scammer will claim that the trading of financial instruments takes place on such a secret market that the investor’s banker or investment adviser will not know about the investment opportunity because only a few special people around the world are aware of it or participate in the secret trading. Often the investor is told that since he/she is being allowed to participate in a secret trading program, if he/she reveals any information about the program, the investor's participation will be terminated.
  • The Federal Reserve uses this system to fund humanitarian/infrastructure or religious projects, with 50-80% of profits supposed to go to those projects (often claiming that the Federal Reserve has to approve the humanitarian project). The remaining percentage of profits can be retained by the investor as return on investment.
  • Most of the programs purport to involve a well-known bank, which the fraudster claims has already lined up a purchaser that will guarantee the investor a significant profit. The fraudulent investment programs often claim to have no risk because the program is guaranteed by that bank, providing the investor with the ability to sell the financial instrument at a pre-set buy-back price, locking in a profit.
  • Promises of extremely high, unrealistic rates of return with little or no risk. The contracts usually reference huge amounts, often in billions, even up to $1 trillion in annual contracts. False claims have stated that $100 million will produce $1 billion in profits in 1 year without risk to principal (riskless principal" transactions).
  • High rates of return are generated by repeatedly trading (or buying and selling) financial instruments in cycles (often over a 40-week period, or a 1-year period). The fraudulent investment programs may include automatic renewals (often called "rolls" and "extensions" for similar contract amounts). This automatic renewal feature provides the fraudster with a plausible excuse for why he/she cannot return the investor’s funds.
  • Claims that the investor's funds are absolutely safe and cannot be lost—for example, that a bank has issued a guarantee as described above, or an attorney is holding the funds in a special escrow fund or a trade settlement account that cannot be touched (often guaranteed to be of "non-depletion" status).
  • Claims that the cash does not move from the investor’s principal account, and that profits can be paid anywhere in the world, often outside the United States in so-called tax secrecy havens.
  • References to financial instruments issued by "prime banks," "top 100 world banks," "top 25 major banks of the world" or "top 25 European banks," and similar references to categories or groups of banks that are not used in the banking industry.
  • Terms that have no meaning in legitimate financial transactions—for example, "conditional SWIFT," "key tested telex," "pay order," "funds of good, clean, clear and non-criminal origin," "master commitment," "one year and one day," and "commitment holder."
  • References to a trader’s computer screens—often with the claim that the color of the screen has something to do with the validity of the investment program.
  • Inaccurate references to the International Chamber of Commerce and its publications.

Scam Involving Fictitious Federal Reserve Grant
January 2012

The Federal Reserve Bank of New York is aware of an ongoing scam that involves fraudsters claiming to be from the Federal Reserve (sometimes using the name James Carter) contacting the public through unsolicited phone calls or emails regarding a fictitious $7000 federal grant. In most instances regarding this scam, the fraudsters require the victims to wire a certain sum of money (via Western Union or Moneygram) in order to receive the fictitious grant. The victim is told this money is needed for an application fee, a charitable donation or a processing fee in order for the fictitious grant money to be released. After the victim wires these funds, the victim is contacted again and requested to wire additional money for one final fee in order to receive the fictitious grant money. Of course, the victims will never receive any grant money as this program does not exist.

Please note the Federal Reserve Bank of New York is NOT involved in any federal grant program. We urge the public to remain alert to fraudulent scams involving individuals who purport to be employees of the Federal Reserve Bank of New York. The Federal Reserve Bank of New York does not maintain grant money or any other type of funds / accounts for individuals.

Please remember: the Federal Reserve Bank of New York will never contact the public via unsolicited phone calls or emails asking for money or any other type of personal information.

Update to Scam Involving Fictitious Federal Reserve E-mail and Web Addresses 
October 2011

The Federal Reserve Bank of New York is aware of continuous scams that use fictitious e-mail and web addresses purporting to be official Federal Reserve addresses. In some instances, unsolicited e-mails are sent to individuals regarding fictitious lottery winnings, bogus bank accounts and/or collateral that are claimed to be at the Federal Reserve Bank of New York. In other instances, the e-mail will ask individuals to click on links to receive more information about their fictitious account or a fictitious wire transfer they sent. We strongly recommend that you do not attempt to open these links as they might contain malicious code which could infect your computer.

Please remain alert to fraudulent scams involving individuals who purport to be employees of the Federal Reserve Bank of New York. Read the sections below for information on samples of various scams that have been attempted. Please note that below is an updated list of fraudulent e-mail addresses that are known to have been used in these scams.

The Federal Reserve Bank of New York will never send an e-mail asking for personal information.

Some addresses used in these scams include:

alert@federalreserve.gov
accounts.creditanceunit@skymail.mn
ben.bernanke10@sify.com
ben77788866@gmail.com
brandykelvin2007@google-mail.com
kelvinbrandy2008@google-mail.com
brandykelvin2009@google-mail.co
charles_fedreserve@live.com
christine.cumming@federalreservesystemnewyork.tk
christine.cumming@frbknewyork.tk
consumerhelp@federalreserve.gov
fedwire@federalreserve.gov
ask.federalreserve.gov@usa.com
federalreserve@live.com
info@fed-reserveonline.com
cumming@federalreserve-bank.tk
dyellen@rocketmail.com
federal.reseve.legaldept@linuxmail.org
federalreserve01@fastwebmail.it
federalreservebankf@rocketmail.com
fedresbanksys@live.com
fedresbrddd.gov@hotmail.com
fedreserve2@yahoo.co.jp
fedreserv14@gmail.com
fedwire@federalreserve.com
frb.fund.payment@sify.com
frb.ny27@live.com
frbonlinebanking@usa.com
fr-bony-wilson@hotmail.com
fundpaymentrelease@newyork-fed.org
info@fdrvbank.com
info@federalreservebank.state
info@federalreservebnk-ny.com
info@frbknewyork.tk
info@nyfeds.org
info@ny-frbank.org
jonathanbeardsta@hotmail.com
legalunit@federalreservebnk-ny.net
marco.marcokunkel.kunkel36@gmail.com
marcopeterkunkelfedralreserve@google-mail.com
marcok39@gmail.com
mkmarcokunkel801@gmail.com
marcopeterkunkelfedralreserve@yahoo.com
michael.held@virgilio.it
mr.marcopeterkunkel@nyfrbgovus.org
mrbenbernanke1111@virgilio.it
mrs.brandykelvin@nyfrbgovus.org
operations@federalreservebnk-ny.net
phisuzz@gmail.com
reservebk111@hotmail.com
swift.frb.newyork@online.ua
transfer.dept@federalreserve-bank.tk
wire_manager@federalreserve.gov

Scam Involving Fictitious Federal Reserve E-mail and Web Addresses 
March 2011

The Federal Reserve Bank of New York is aware of many scams that use fictitious e-mail and web addresses purporting to be official Federal Reserve addresses. In some instances, unsolicited e-mails are sent to individuals from these addresses regarding fictitious bank accounts that they have at the Federal Reserve Bank of New York. In other instances, the e-mail will ask individuals to click on links to receive more information about their fictitious account or a fictitious wire transfer they sent. We strongly recommend that you do not attempt to open these links.

Some addresses used in these scams include:

consumerhelp@federalreserve.gov
fedwire@federalreserve.gov
ask.federalreserve.gov@usa.com
federalreserve@live.com
info@fed-reserveonline.com

If you are contacted in an unsolicited e-mail from someone claiming to be from the Federal Reserve Bank of New York, or if you have information relating to this or any fraud please send an e-mail toreport.fraud@ny.frb.org.

Scam Involving Fraudulent Bonded Promissory Notes (BPNs) 
February 2010

The Federal Reserve Bank of New York has become aware of numerous attempts to present fraudulent bonded promissory notes which reference a fictitious bond account at the Federal Reserve Bank of New York. The fraudster claims to have a bond account in excess of $100,000,000 established at the Federal Reserve Bank of New York (or at another Federal Reserve Bank) upon which he or she can issue bonded promissory notes as forms of legal payment for debt. Sometimes the fraudulent bonded promissory notes are remitted as payment for debts owed by the fraudster issuing the bond, while in other cases the fraudulent bonded promissory notes are used in attempts to pay the debts of third parties. Fraudsters have attempted to use fraudulent bonded promissory notes to pay for various items including automobiles, mortgage payoffs and medical and veterinarian bills.

These documents are fraudulent and will not be honored if presented.

A promissory note is a form of debt similar to a loan or an IOU. An individual (investor) makes an agreement to loan money to a company in exchange for a fixed return from the company, usually principal plus annual interest. While some promissory notes are indeed legitimate, they are rarely available to the general public. If the promissory note claims to be payable through an account held at a Federal Reserve Bank, the note is fraudulent.

  • How to Avoid a Promissory Note Scam
    Generally, agents selling promissory notes need to be licensed. You can verify whether the person trying to sell you a promissory note is licensed by contacting your state securities regulator: www.nasaa.org/QuickLinks/ContactYourRegulator.cfm
     
  • Most investments involving promissory notes need to be registered with the SEC. You should verify whether the promissory note is registered or exempt from registration by contacting the SEC, www.sec.gov.
     
  • The majority of legitimate promissory notes are not sold to the general public. If you are being contacted by phone by someone trying to sell you a promissory note, it is most likely a scam.
     
  • If the return rate seems too good to be true, the note is likely fraudulent.
     
  • Be wary of promises of “risk free” returns.

If you have reason to believe you have invested in a fraudulent promissory note, you should contact your local FBI office.

Marco Peter Kunkel/Brandy Kelvin Advance Fee Scam 
September 2009

It has come to the attention of the New York Fed that there is a new advance fee scam being committed using the New York Fed name. An advance fee scam is a fraud that urges a target to send a specific sum of money to a person or entity up front in order to receive a larger amount of money. Many times the fraudster asks for the target’s personal information, including bank account information, in order to send this promised larger amount of money. Release of this personal information may facilitate identity theft.

The recent scam involves a fraudulent e-mail from persons purporting to be either employees or agents of the New York Fed, including Mr. Marco Peter Kunkel or Mrs. Brandy Kelvin. The e-mail informs the targets that an account has been opened in his or her name at the Federal Reserve Bank of New York and that funds have been deposited in this account. The e-mail instructs the targets to pay a surcharge in order to activate this account and access the funds that have been deposited in their name. The e-mail will sometimes provide a username and password for the target to use to access this fictitious account, as well as wiring instructions for the surcharges. The e-mail will sometimes include fraudulent Federal Reserve documents, including fictitious identification cards of employees. The fraudsters have even begun to use the names of actual Federal Reserve Bank of New York employees in this scam.

The e-mail addresses used in this scam include:

mr.marcopeterkunkel@nyfrbgovus.org marcopeterkunkelfedralreserve@yahoo.com marcopeterkunkelfedralreserve@google-mail.com 
marcok39@gmail.com 
mkmarcokunkel801@gmail.com marco.marcokunkel.kunkel36@gmail.com brandykelvin2007@google-mail.com 
kelvinbrandy2008@google-mail.com 
brandykelvin2009@google-mail.com mrs.brandykelvin@nyfrbgovus.org

These fraudsters have also created the following fraudulent website in an effort to spoof the official Federal Reserve Bank of New York site, and to facilitate their scam:

www.nyfrbgovus.org/

 

If you are contacted in an unsolicited e-mail claiming that you have funds on deposit with the Federal Reserve Bank of New York, or have information regarding this fraud please contact Kristin Sturm or Robert Amenta in the Investigations Group at the Federal Reserve Bank of New York. They can be reached at the following 
e-mail address:report.fraud@ny.frb.org.

Scam Involving the Use of Actual Federal Reserve Bank of New York Employees’ Names in Unsolicited E-mails 
April 2009

Please be alert to a fraudulent scam involving individuals who claim to be actual Federal Reserve Bank of New York employees in unsolicited e-mails to defraud the public. 

In most versions of the scam, the fraudster poses as a Federal Reserve Bank of New York employee and falsely claims that the individual contacted has millions of dollars on deposit with the Federal Reserve Bank of New York.  Then the fraudster tries to get the individual to pay a fee, sometimes $950, in order to obtain these (fictitious) funds.  The fee will be stolen by the fraudster, and no funds will be provided to person paying this fee.

 

Details of this Fraud Scheme 
In many instances, the fraudster claims that the (fictitious) funds were “with-held due to improper and un-official payment documentations, lack of proper verification documents from the beneficiary to ascertain the legality, source/origin and authenticity of these funds.”  The fraudster claims that their need for proper documentation will require the payment of a fee, which is then stolen by the fraudster.

These e-mails are part of an elaborate scam to lure the public into making payments to the scammer for fictitious documents that the scammer claims are necessary to release the (fictitious) funds. The fraudster often claims that to obtain payment of these funds, the individual must remit a “Subsidized Charge” fee, sometimes in the amount of $950, for a “Payment Documentation / Payment Confirmation” service. Other times the scammer asks for a fictitious “Tax Clearance Receipt” which allegedly “will officially enable and allow us officially to release your payment to you.”The fraudster usually requests that the funds be sent via Western Union or Money Gram. These systems allow the fraudster to pick up the fee in various jurisdictions around the world, even though the remitter believes that the funds are being picked up in New York by an employee of the Federal Reserve Bank of New York.

The fraudulent scheme includes multiple documents purportedly signed by various senior officials of the Federal Reserve Bank of New York. The e-mails usually contain sham e-mail addresses and phone numbers that are not assigned to the Federal Reserve Bank of New York. In some instances, these documents request personal information from the individuals receiving the e-mails, possibly for identity theft purposes. The Federal Reserve Bank of New York does not maintain accounts or funds on deposit for individuals, or non- financial institutions. The Federal Reserve Bank of New York will never send an e-mail asking for personal information.

If you are contacted in an unsolicited e-mail claiming that you have funds on deposit with the Federal Reserve Bank of New York, or have information regarding this fraud please contact Robert Amenta, Senior Special Investigator at the Federal Reserve Bank of New York. He can be reached at the following e-mail address:report.fraud@ny.frb.org

Scam Involving Fraudulent Checks Purporting to be From a University of Illinois Account at the Federal Reserve Bank of New York
March 2009

The Federal Reserve Bank of New York has recently become aware of a large number of fraudulent checks presented for processing through the Federal Reserve system. The checks purport to be from the University of Illinois and bear a Tampa, Florida address, rather than an Illinois address. These sham checks claim to be drawn on a University of Illinois account allegedly maintained at the Federal Reserve Bank of New York, routing number 021001208.

These sham checks are usually made out to individuals in the United States in amounts between $3,500 and $4,800. It appears that these checks originate from overseas. In some instances the checks are received by individuals trying to sell items on eBay or craigslist. In those instances, the checks received by the sellers are in amounts exceeding the cost of the goods, with the "Purchaser" requesting that the seller remit the overage back to the buyer, less a small fee for their inconvenience. In other instances, "new employees" are solicited to engage in check cashing activities, keeping a fee and remitting the remainder via a money remitter.

These checks are fraudulent. The Federal Reserve Bank of New York does not offer commercial account services of this type.

 

If you receive a check purporting to be from a University of Illinois account at the Federal Reserve Bank of New York or have information regarding this fraud please contact Robert Amenta, Senior Special Investigator at the Federal Reserve Bank of New York.

Federal Reserve Board alerts public to instances of questionable solicitations directed at consumers
November 2008

The Federal Reserve Board on November 4 alerted the public to instances of questionable solicitations directed at consumers. These solicitations promise consumers access to personal loans through a nonexistent Federal Reserve lending program.

Under this fraudulent scheme, targeted individuals are told that that they can work through a broker to access a Federal Reserve program that extends sizable secured loans to consumers. Consumers are encouraged to deposit large sums of money into a bank account, under the guise of a security deposit, in order to receive the purported loan. The Federal Reserve is advising consumers that it has no involvement in these solicitations and does not directly sponsor consumer lending programs. The matter has been referred to the appropriate authorities for action.

Consumers are strongly urged to verify the legitimacy of potential service providers before entering into a business transaction. Individuals seeking personal finance options are encouraged to do business only with reputable lenders and to shop around for the most favorable loan terms.

 

Scam Involving Yohannes Riyadi and/or Wilfredo Saurin
November 2007

The Federal Reserve is aware of a fraudulent scam involving individuals using the names Yohannes Riyadi and/or Wilfredo Saurin, or persons claiming to be representatives of these two men. In a typical version of this scam, Mr. Riyadi and/or his delegates falsely claim that they have on deposit with the Federal Reserve Bank of New York several U.S. Treasury Checks issued to Mr. Riyadi amounting to billions of dollars.

The Federal Reserve Bank of New York has been contacted by several brokers and financial institutions worldwide inquiring about the validity of this fraudulent account documentation, which is being offered as collateral for lines of credit or other types of asset based financing. The fraudulent scheme includes multiple documents which purport to have the signatures of various Federal Reserve officials, including Chairman Ben Bernanke.

In some instances, individuals involved in this fraudulent scheme claim to have met with Federal Reserve officials and claim to have verified that the alleged account is in order. We have also learned that the fraud may include the purchase of certain documents by the introducing brokers.

If you have information regarding this fraud please contact either Robert Amenta, Special Investigator at the Federal Reserve Bank of New York, or Erik Rosenblatt, Senior Special Agent at the Department of Homeland Security, Immigration and Customs Enforcement.

Discovered 1930s Notes and Bonds
July 2005

The Federal Reserve is aware of several scams involving high denomination Federal Reserve notes and bonds, often in denominations of 100 million or 500 million dollars, dating back to the 1930s, usually 1934. In each of these schemes, fraudulent instruments are claimed to be part of a long-lost supply of recently discovered Federal Reserve notes or bonds.

Fraudsters often falsely claim that the purported Federal Reserve notes or bonds that they hold are somehow very special and are not known to the public because they are so secret. Fraudsters have attempted to sell these worthless instruments, or to redeem or exchange them at banks and other financial institutions, or to secure loans or obtain lines of credit using the fictitious instruments as collateral. 

The Federal Reserve has never issued any bonds or notes with coupons attached. The Federal Reserve Bank of New York is not aware of any currency or debt stockpile of large denomination Federal Reserve notes from the 1930s and warns that any institution that pays out on such a claim does so at its own risk.

It should also be noted that the largest denomination of currency ever printed by the Bureau of Engraving and Printing was the $100,000 Series 1934 Gold Certificate featuring the portrait of President Wilson. These notes were printed from December 18, 1934, through January 9, 1935, and were issued by the Treasurer of the United States to Federal Reserve Banks only against an equal amount of gold bullion held by the Treasury Department. The notes were used only for official transactions between Federal Reserve Banks and were not circulated among the general public.

 

 
 
 

 

Private Placement Programs/High Yield Investment Programs
July 2005

So-called high yield investment programs or “capital enhancement programs” purport to be highly secretive, very lucrative programs of investment in various financial instruments, such as medium term notes, standby letters of credit and "prime bank" guarantees. These fraudulent “programs” are presented as legitimate investment vehicles being offered by "invitation only" by the "U.S. Federal Reserve Bank."

Scam artists claim that proceeds from the programs are slated for investment, often abroad. Fictitious letters are often used to convince targets that the programs are legitimate.

Targets are told that in order to participate they must provide the scam artist with verification of large (usually multi-million dollar) deposits in a personal bank account, and to provide an enlarged color copy of the signature page of the target’s passport. Scam artists give “guarantees,” frequently in writing, that the money will remain in the target’s account, under her sole control, throughout the term of the program.

The purpose of these schemes is to obtain enough information about the target to allow the scam artist to impersonate the target and take the money from the designated account.

Additional material and information that may be requested include a color photo, a reproducible copy of the target’s signature and other key personal information, including a passport number, a personal bank account number, routing number and SWIFT code.

Employees of the Federal Reserve Bank of New York and the Federal Reserve System do not offer investments to the general public. Furthermore, the Federal Reserve does not use any agents that are authorized to deal with the general public.

 

Development Investment Programs
January 2003

Numerous investment scams purport to "enhance assets" for project development. These scams often invoke the name of the Federal Reserve or cite Federal Reserve research.

The scam artist tries to convince a would-be investor to place his funds with an asset manager, who will enhance the investment while funding various humanitarian projects, such as building bridges in developing countries.

 

Federal Trading Program
July 2005

In this scam, a target is told that the Federal Reserve uses a “Federal Trading Program” to enhance the U.S. economy.

According to the scam artist’s explanatory documents, participation in the program requires proving ownership of unencumbered assets worth $100 million or more. The target is told that these assets must then be transferred to a "safe keeping account," conveniently at the target’s bank, where the target will have "complete access to [his/her] funds at all times."

Once the money is in this account, the Federal Reserve purportedly assigns a "federal trading number" so that the number of trades can be monitored. The Federal Reserve also purportedly will guarantee, in writing, the rate of return.

The purpose of the scheme is to obtain enough initial information about the target to allow the scam artist to impersonate him and take the money from the designated account.

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