BACKGROUND SCREENING



Comprehensive employment, vendor and customer screening services, including general pre-employment and executive screening, have been an important part of CARCO's operations for more than 25 years. As an integral aspect of its service, clients are provided with essential data to optimize decision-making and the type of precise information needed for data analysis, and making decisions that mitigate risk.

Employment Screening
CARCO Group has been helping companies conduct comprehensive employment screening for more than a quarter century. We believe that we offer the most accurate and cost-effective background checking solutions to employers. CARCO Group's quality of service is unsurpassed within the industry. Since its inception, CARCO Group has never had a case adjudicated against, even though the Company provides more than two million reports per year, domestically and internationally.

Executive Screening
Time and time again, the country's leading newspapers have reported about undisclosed backgrounds of senior corporate executives. As witnessed recently in the sports world, credential fraud is alive and well at all organizational levels. While the media reports on the most newsworthy stories, the everyday statistics reveal a startling trend. According to a recent survey of Fortune 1000 firms, for example, 33% of all resumes, curricula vitae and applications contain some form of embellishment or outright fraudulent statements. The repercussions from such fraud can range from embarrassment for the company, to the beginning of serious internal or external problems. CARCO's Executive Screening Program (ESP) can effectively protect your company and your clients from these potentially debilitating situations. Unlike a "standard" employee background check, ESP considers the serious risks and exposures executives can pose for a company and its shareholders.

Vendor Screening.
More than ever before, business leaders need to know who their business "partners" are. Developing a relationship with an unscrupulous, ethically challenged or criminally motivated vendor/customer could have serious ramifications to a company's public image and financial stability. To meet these challenges, CARCO Group has developed a comprehensive vendor/customer-screening program to assist its clients in all industries, including the financial community.

Vendor screening is an in-depth due diligence program developed to assist clients to qualify prospective vendors, independent contractors, customers, and others. This program helps our clients ensure that vendors meet certain minimum corporate standards relating to licensing, insurance, compliance, and other minimally acceptable personal and corporate standards. The program also helps minimize potential losses from vendor-related fraud and other vendor issues. A vendor screening program is designed to make a company's ethical standards and corporate requirements part of the relationship.


Customer Screening ( “Know Your Customer” )
With the advent of the U.S.A. Patriot Act, Pub. L No. 107-56 (2001), which requires enhanced due diligence of customers, CARCO Group has developed a comprehensive, technologically sophisticated system for vetting potential customers. As a preventative program, CARCO’s "Know Your Customer" program can reinforce the effectiveness of your business's due diligence processes in a timely, cost-effective manner. Through a series of proven screening procedures, supported by a powerful technology platform, we search for warning signs that enable the business to quickly identify potential problems. The Know Your Customer Enhanced Due Diligence Program can be tailored to fit your risk management program. CARCO can access business, governmental and international records, and proprietary sources to obtain the facts you need for making informed decisions. Reports are available for individuals and businesses, domestically or internationally.

CARCO REPORT ELEMENTS
Shown below is a descriptive list of Report Elements offered by CARCO to assist you in designing an employee screening program tailored to your organization’s needs. As part of our client set-up procedures, CARCO provides its experience and expertise to help you develop your program.

Credit Check
CARCO will conduct a Credit Check based on the biographical data provided by the applicant. Each Credit Check will include Credit and Litigation history, verification of Social Security Number, current and previous address(es), name(s) and employer(s).

Criminal History Record Check
CARCO will conduct a statewide (if available) or county level criminal history record check (CHRC), based on the location of listed residences for a specified period of time. Residences or names discovered through a Credit Check or Social Security Number Trace during a specified time frame can be checked at the client’s request. Checks can also be completed for an applicant’s work or school address. Each CHRC will include a search of both state level felony and misdemeanor records, reports of convictions and/or pending prosecutions, with full adherence to state and federal law.

Education Check
CARCO will conduct a check of the applicant’s highest degree attained, highest level attended, or all of the applicant’s education. Qualifications may be set (i.e. only post-high school, no trade schools, etc.). Each Education Check will include verification of attendance, period(s) of enrollment, degree/diploma awarded, graduation date, major course of study and source Name(s). Verification can also include the applicant’s GPA and/or transcripts.

Employment Check
CARCO will conduct a check of all listed employers during a specified period of time. Employers discovered through a Credit Check or Social Security Number Trace during a specified period of time can be checked at the client’s request. In addition, part-time or military service can also be checked. Each Employment Check will include job title, salary, dates of employment, reason for leaving and eligibility for rehire. Verification can also include performance evaluations and/or drug screening results, if available.

Federal Criminal Check
CARCO will conduct a federal level criminal history record check, based on the location of listed residences for a specified period of time. Any residences or names discovered through a Credit Check or Social Security Number Trace during a specified time-frame can also be checked at the client’s request.

Checks can also be completed for an applicant’s work or school addresses that have not been provided by the subject. Each Federal Criminal Check will include a search of federal district records, reports of convictions and/or pending prosecutions, with full adherence to state and federal law.

Motor Vehicle Record Check
CARCO will conduct a statewide Motor Vehicle Record Check (MVR) of the appropriate motor vehicle files based on the state of license issuance. Each MVR Check will include verification of license and accident and conviction history.

Professional Credential/License Check
CARCO will contact the appropriate organization to verify professional credentials and/or license(s) listed on the application and that are issued by the organization. Each Professional Credential Check can also include a disciplinary action record, if available, at the client’s request.

Reference Check
CARCO will contact and interview all listed references to obtain personal subjective information about the applicant. This information may include additional names and/or addresses, character traits and/or habits, strengths and/or weaknesses, and whether or not the reference would recommend the applicant for employment. In addition, details of the reference’s relationship with the applicant may be provided, including how long they have been acquainted and the type of relationship they have/had. References developed by other report elements can also be checked at the client’s request.

Social Security Number Trace
CARCO will conduct a SSN Trace based on the biographical data provided by the applicant. The inquiry will include a review of Social Security Number(s), current and previous address(es), name(s) and employer(s) used for credit purposes.

Civil Litigation Record Check – Federal & State
CARCO will conduct a federal or state level civil litigation history record check, based on the location of listed residences for a specified period of time. Residences or names discovered through a Credit Check or Social Security Number Trace during the specified time-frame can also be checked at the client’s request. Checks can also be completed for applicant’s work or school address that have not been provided by the subject. Each Civil Litigation Check will include a search of federal or state district public records; county, state and/or federal tax liens and releases; and civil suits filed by or against the applicant. All searches will be researched and reported with full adherence to state and federal law.

Drug Testing
Through CARCO’s strategic alliance with a leading national provider, offering access to over 15,000-collection sites throughout the U.S., CARCO offers a one-stop employee screening solution. Our “OverView” software allows viewing of both background checks and drug test results. Consolidated billing is also available, minimizing administrative time and costs.

Other Investigative/Consulting Services
Through its affiliate, MMI, CARCO offers comprehensive business-to-business
investigative services that include:

General & Financial Investigations
Environmental Services
Litigation Support
Due Diligence
Insurance Services
Vendor Screening

InterScan
The standard check includes a search of (1) an international law enforcement database that identifies persons wanted by international authorities (INTERPOL); (2) government database that lists suspected terrorists, sanctioned terrorist organizations and international narcotics traffickers based on U.S. foreign policy and national security goals; and (3) a government database that identifies person(s) denied from participating directly or indirectly in international business transactions because of terrorist or other illegal activities.

Fraud and Abuse Control Information System (FACIS)
This comprehensive, and compliance-critical, risk mitigation tool, includes a search of sanction, debarment and exclusion history of individuals and organizations against federal and state (all 50) level databases. These databases include: General Services Administration – Office of Inspector General, Drug Enforcement Administration, Food & Drug Administration, TRICARE, and individual state healthcare licensing boards.

National Practitioner Data Bank Search
Database search to review the healthcare credentials and disciplinary history of practitioners, providers and suppliers.

Supplemental National Criminal Information Database
Database consists of current and historical arrest, felony, misdemeanor, incarceration, conviction, fugitive, escapee, absconder and probation information (127 million files) from 38 states.

INS/SSA Verification
Verifies an employee’s identity and right to work in the U.S. CARCO has been selected to participate in this pilot program.

Nationwide Wanted Person Check
Allows CARCO to process your new and/or current employees names through a federal law enforcement database, which provides a national “wanted person” check. Outstanding offenders can then be pursued by federal or local law enforcement.

Vendor Screening
More than ever before, business leaders need to know who their “partners” are in business. Developing a relationship with an unscrupulous, ethically challenged or criminally motivated vendor/customer could have serious affects on a company’s public image and financial stability. In order to meet these challenges, CARCO Group has developed a comprehensive vendor/customer-screening program to assist its clients in all industries.

Vendor screening is an in-depth due diligence program developed to assist clients to qualify prospective vendors, independent contractors, customers, and others. This program helps our clients ensure that vendors meet certain minimum corporate standards relating to licensing, insurance, compliance and other acceptable personal and corporate standards.

The program also helps minimize potential losses from vendor-related fraud and other vendor issues. A vendor screening program is designed to instill a company’s ethical standards and corporate requirements into the relationship.

Some of the major benefits of a vendor-screening program are:
• An effective and reliable system of vendor accountability: vendors must agree to abide by your business practices and ethical standards.

• Development of critical information about your vendor’s capabilities, business history, financial stability, and propensity for litigation.

• Vendor screening services are tailored to the specific needs of each client. The client decides which vendors will participate in the program, what information will be required from each vendor and the scope of CARCO Group’s review and investigation.

• The cost of the vendor-screening program can be passed on directly to a prospective vendor seeking to establish a business relationship with your company.

• Database maintenance of all critical information developed for each vendor screened by CARCO Group.

• Some insurance companies waive deductibles on fidelity claims if a vendor is involved and was vetted by such a program.

Corporate Security “Back Office” Program
Never has the paradigm of risk and reward been more dramatic than today, and never have the capabilities of CARCO Group been more important to corporate security departments.

CARCO Group is a major asset to many corporate security departments in protecting resources and building company value by mitigating the risks of doing business. CARCO Group’s investigative and security consulting practice helps corporate security departments deal with the growing risks associated with business alliances, new market entry, financial fraud, business disputes, intellectual property thefts, risk and site assessments and violence in the workplace by becoming their “back office.”

To meet the growing needs of our clients to perform computer-based research, CARCO has created a program to provide corporate security departments with a cost-effective and time-sensitive approach to obtaining necessary information.