According to Tracfin, the amounts related to CPF fraud increased significantly, from 7.8 million euros in 2020 to 43.2 million euros in 2021. This increase endangers the rights and finances of users as well as those of the French State. Types of CPF fraud, measures and means put in place to fight against it, we take stock together!
The Professional Training Account (CPF) is a system set up by the French government. Its purpose? Enabling each individual to contribute to finance training courses throughout your professional life.
Intended for earners, to jobseekers And to freelancers, the CPF offers everyone the opportunity to acquire new skills, ofimprove your qualifications Or of retrain professionally.
Funded in euros, the account is automatically credited each year according to the time worked. Thus, a full-time employee can accumulate up to 500 euros per year, with a ceiling of 5,000 euros.
This account is managed via a online platform Dedicated. Contributors can:
However, the success and flexibility of the CPF have attracted malicious individuals leading to an increase in fraud. We'll tell you more in the rest of this article.
Professional Training Account (CPF) fraud refers to embezzlement of funds originally dedicated to training for personal purposes.
To fully understand the extent of CPF fraud, it is crucial to look at a few key figures. In 2021, the CPF was:
In 2021, the amounts of money at stake were colossal, which inspired numerous fraud attempts. Today, CPF fraud occurs in a variety of forms. What are the different types of CPF fraud? We answer you.
To encourage victims to register for false training courses and thus be able to recover the money in their account, fraudsters create advertisements. The aim? Succeed at retrieve victim information through campaigns Of phishing for example.
Fraudsters can opt for cold calling. They endT pass for training consultants. Their objective is to convince CPF holders to provide access to their account Or of register for a fictional training.
To do this, scammers ask for the social security number and sometimes even the CPF account password. To gain the trust of their victims, they disclose personal information such as identity, telephone number, or date of birth, previously obtained through phishing techniques.
To find out more about the most common scams: The most common scams in 2022
In France, the Law no. 2022-1587 of 19 December 2022 marks an important step in the fight against Personal Training Account (CPF) fraud.
This legislation made it possible to amend the Labour Code to includesection 6323-8-1, who prohibits any form of commercial prospecting. It states that “any commercial prospecting of the holders of a personal training account is prohibited, by telephone, by message from an interpersonal communications service, by email or on an online social network service”.
The main objective is toprevent the collection of personal data, in particular the Amount of CPF fees or even the social security number. This law also makes it possible to discourage incentives to sign training contracts or to accept promotional offers in exchange for registration.
Violations related to CPF scams can result in severe administrative fines. Rising from 75,000 euros to 375,000 euros, they aim to protect CPF users and to ensure that training funds are used appropriately.
To fight effectively against CPF fraud, it is crucial to Strengthen regulations in place andintensify controls. The legislative framework must be adapted to deter fraudsters and allow for the swift punishment of infringements.
An essential measure is to Raise awareness among CPF users at the risk of fraud. Communication campaigns should be deployed to inform account holders of common fraudulent practices. They need to be taught to recognize the warning signs of a scam.
Close collaboration between the various actors in the vocational training sector is essential. Les training organizations, the undertakings, the unions, and the public authorities must work together to share information on the fraud detected and the strategies implemented to counter them.
The establishment of surveillance networks and working groups dedicated to the fight against fraud makes it possible to coordinate efforts and ensure a rapid and effective response to emerging threats.
Do you need to dedicate an anti-fraud unit in your company or within your training organization? Read our dedicated article: Set up an internal anti-fraud unit
Authorities must also improve their detection and prevention tools, using advanced technologies such as artificial intelligence.
The software can then cross information from different databases to detect inconsistencies or recurring reasons for fraud.
Example:
Detection software can identify multiple registrations of the same individual in similar courses. It can also identify unusually high payments for training services.
By automating monitoring and analysis, these software programs dramatically reduce the time and resources needed to detect and prevent fraud.
Our Finovox software is distinguished by its ability to detect documentary scams with real precision. Using advanced artificial intelligence, it analyzes in depth the data structures And the metadata to identify inconsistencies quickly.
Adapted to the specific needs of each company, Finovox offers real-time alerts and an intuitive user interface. Its purpose? Give a quick and effective response to fight fraud.
Need to learn more about the software? Ask for a demo!
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