Which of the following is one of the four major categories of check tampering schemes?

• A. Altered payee schemes
• B. Forged endorsements
• C. All of the above
• D. Authorized maker schemes

Answer: (C)

There are four major categories of check tampering schemes. Altered payee schemes involve changing the name on the check so funds go to someone other than the intended recipient. Forged endorsements occur when a check is endorsed by someone other than the rightful payee, allowing it to be cashed or deposited. Authorized maker schemes arise when someone with signing authority within an organization uses that power to issue fraudulent checks, typically to themselves or accomplices. Because each of these describes a distinct, recognized method criminals use to tamper with checks, all of them together cover the full set, making the inclusive option the best choice.