What is a common way that check fraud is typically committed?

Check fraud is commonly committed by stealing issued checks. This method involves taking checks that have already been issued, which may involve physically stealing them from a business or intercepting them in the mail. Once the fraudster has possession of these checks, they can forge the signature or alter the details to cash them fraudulently.

This method is particularly prevalent because checks are often sent out as payments without stringent security measures in place, making them easier targets for theft. Once a stolen check is manipulated, it can be challenging for the victim to recover the losses or even identify the fraud, especially if the checks are cashed at different banks or locations.

In contrast, other options such as creating false invoices, unauthorized electronic payments, or sharing vendor information have distinct characteristics. While these methods can also lead to fraud, they do not typically involve the direct theft or unauthorized alteration of pre-issued checks, which is what makes stolen issued checks a more common and straightforward avenue for committing check fraud.