Employee Fraud Investigations in Florida
Employee fraud can drain revenue for months before leadership sees clear proof. ACFE estimates put occupational fraud losses at roughly 5% of annual revenue, with small and midsize businesses often hit hardest.
We help Florida employers document what is happening, how long it has been happening, and who is involved. The result is a defensible evidence package for HR action, legal strategy, and recovery planning.
Common Types of Employee Fraud We Investigate
Embezzlement & Financial Fraud: Unauthorized fund transfers, check fraud, vendor payment manipulation, accounts payable schemes, and misappropriation of business funds — often perpetrated by trusted accounting and finance employees over extended periods.
Inventory & Merchandise Theft: Systematic removal of inventory, merchandise, materials, or equipment — from retail theft to contractor material fraud to warehouse shrinkage exceeding normal loss expectations.
Timekeeping & Payroll Fraud: Ghost employees, unauthorized overtime, time inflation, buddy punching, and billing for hours not worked — particularly prevalent in businesses with remote or field-based employees.
Workers’ Compensation Fraud: Employees collecting workers’ comp benefits while working elsewhere, exaggerating injury severity, or fabricating workplace injuries entirely. Florida workers’ compensation fraud is a significant problem that costs businesses through increased premiums and direct losses.
Expense Reimbursement Fraud: Inflated or fictitious expense claims, personal expenses submitted as business expenses, duplicate reimbursement submissions, and falsified vendor receipts.
Intellectual Property & Data Theft: Employees copying client lists, trade secrets, proprietary formulas, or confidential business information — often in anticipation of leaving to work for a competitor or start a competing business.
Warning Signs of Employee Fraud
Common indicators include unexplained discrepancies in books or inventory, resistance to oversight, unusual overtime patterns, and sudden lifestyle shifts that do not match known income.
Direct confrontation is tempting but often gives the subject time to destroy evidence or coordinate a cover story. A discreet investigation first usually produces cleaner documentation and better legal options.
How We Investigate Employee Fraud
Covert Investigation Services: Where appropriate, our licensed private detectives conduct discreet covert surveillance of the subject’s activities — including off-site meetings, secondary employment (particularly relevant in workers’ comp fraud), and financial behaviors inconsistent with their known income. All covert activities are conducted within Florida legal standards.
Background & Database Research: We research the subject’s financial background, prior employment history, business interests, and known associates — often identifying undisclosed conflicts of interest, external business relationships, or prior fraud history that establishes context and motive.
Evidence Documentation: All investigative findings are documented in a structured evidence package suitable for HR proceedings, civil litigation, criminal referral to law enforcement, or insurance claims. Chain-of-custody procedures are followed throughout to preserve evidentiary integrity.
Coordination with Legal Counsel: We work alongside your employment attorney from the outset, ensuring the investigation complies with Florida employment law, avoids whistleblower retaliation concerns, and produces findings that can support the legal strategy you choose — termination, civil recovery, or criminal prosecution.
After the Investigation: Your Options
Our documented investigation findings support multiple outcome paths depending on the nature and severity of the fraud and your business objectives. Many clients use our evidence to support termination for cause — creating a documented record that defends against wrongful termination claims. Others pursue civil recovery through demand or lawsuit, using our asset investigation findings to identify what can be recovered. Criminal referral to Florida law enforcement or federal agencies is appropriate for more serious cases, and our evidence package supports that path as well.
We also assist businesses in identifying the internal control failures that allowed the fraud to occur — providing recommendations that prevent recurrence without triggering an HR compliance review.