Credit and Financial

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Financial service companies protect both financial assets and the trust of their customers. Because employees at financial institutions can easily commit fraud when placed in a position of trust, pre-employment screening for the finance industry is required by law.

In 2016, the Financial Industry Regulatory Authority reported that 785 fraud and insider trading cases were referred for prosecution with $204.2 million levied in fines and restitution. These incidents could have been mitigated through an effective screening policy. When evaluating candidates for a position, credit and financial health reports are a valuable part of your background screening program—especially if a candidate will have accounting, check-writing, financial record, and managerial duties.

The reports we offer will provide insight into your candidate’s integrity and financial responsibility. If you are considering doing business with a company, we can help you confirm they are financially stable before you close on any business opportunities.

Credit Reports

Pre-Employment Evaluation Reports® (PEER) reports provides information about the applicant’s credit history, including identifying information, public records, outstanding debt, payment history, loans, and mortgages, late payments and defaults, and credit inquiries. This is a soft inquiry to the applicant’s credit. Report does not include FICO score.

Bankruptcy Filings

Provides a search of 94 Federal Districts which reveals Chapter 7, 9, 11, 12, 13, 15, and 304 bankruptcy filings, giving insight into a candidate’s financial accountability and track record.

Business Credit Reports

Returns information on a company’s key credit scores (with explanations), basic company information (location, incorporation data, key personnel, sales, etc), corporate linkage (parent, branches, etc), debt and payment trends, trade payments and legal filings (including tax liens, judgements, and bankruptcies.)

Download our White Paper on Screening for Financial Services Positions