EXHIBIT 101 / THE HANDBOOK
EXHIBIT#50HIGH
Cash & RevenueComposite score: 63/100

Customer Chargeback Fraud

Customers dispute a legitimate charge with their bank instead of the restaurant, keeping the food and the refund.

Risk Scores

Frequency70
Financial Loss60
Detection Difficulty60
Prevention Ease50
Composite Score63/100

Perpetrator Roles

ManagerIT / Tech

Affected Formats

Fast CasualQSR

Detection Difficulty

Moderately difficult. Requires consistent audit procedures and data analysis to surface.

HOW IT WORKS
Order dispatched for delivery
Driver claims non-delivery
Refund issued to customer
Driver keeps order or cash
Pattern repeats
Handbook Chapter · F-050

Delivery Driver Theft

Full chapter with identity card, real examples, warning signs, detection and prevention guidance.

Exhibit AI Detection

AI-Powered Detection Design

Track chargeback rate and pattern by customer, not just as a running total.

Prevention Guidance

Audit Controls

Enhanced audit controls required. Standard procedures are insufficient — implement layered verification.

Technology

Automated POS monitoring, real-time exception reporting, and AI-driven anomaly detection significantly reduce exposure.

Culture & Training

Staff awareness programs, anonymous reporting channels, and clear consequence policies deter opportunistic fraud.

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