Kirjahaku

This book enlightens the reader as to how the financial sector in the UK operates fraud databases to help combat fraud and explains the phenomenon of ‘debanking’. It considers the unique confluence of necessity, a flexible regulatory framework, and recent history of collaboration that now places fraud databases and data-sharing at the heart of the UK’s multi-agency counter-fraud strategy. It offers a practical slant to the theory behind the secretive counter-fraud and money-laundering investigation techniques, technology, and practices employed by financial organisations to disrupt fraud and money laundering. The work explains how and why the UK leads the world in this field, what progress is being made internationally to replicate these systems, and the legislative hurdles that need to be overcome to enable the level of data sharing required to make fraud databases operationally successful. It also explores the worrying trends and practices in the systems used which have adversely impacted on both innocent parties and the victims of fraud. Drawing on real-life examples, the book explores the benefits of transparency and whether the databases and the organisations that utilise them can better build fairness into their systems. It will be an invaluable resource for researchers, practitioners and policy-makers working in the areas of counter-fraud and anti-money laundering.

For twenty-seven-year-old Jaye Logan, life has been full of neglected opportunities and missed chances. He's had an incredibly unadventurous career as an assistant librarian and only one serious girlfriend. But on the day he decides to literally climb a mountain and seek something better in life, something better finds him instead. That glorious day, Jaye rescues a beautiful young woman and realizes he's just met the girl of his dreams. In the turmoil surrounding her rescue, though, he doesn't even ask her name. She slips through his fingers--another casualty of his too cautious life. Reeling from disappointment, Jaye writes a simple yet heartfelt e-mail about the key to life and sends it winging into the ether. When that same inspirational e-mail returns to his inbox three years later--after impacting people around the world--Jaye is at another crucial intersection in life. The e-mail reminds him of what he lost, and he embarks on a life-changing journey to find it again, a journey full of adventure, mystery...and maybe even love. In the tradition of Nicholas Sparks, Insignificant Moments speaks to the profound impact a single moment can have on our lives and in our hearts.Revised 12/26/2012

Jesse and Sarah's journey continues in Beneath the Willow, the sequel to the heartfelt novel, Across the Creek. For Jesse Malone, an architect in Chicago, life has been anything but easy. After losing the love of his life six years earlier, he is determined not to let love slip through his grasp once again. Sarah Ramsey, a business owner in the Windy City, is struggling to keep everything together through a difficult divorce. Her husband, a once brilliant attorney, is about to lose his career along with his marriage and is set on making Sarah's life just as miserable as his. When Jesse and his fianc e, Kate, walk into a local floral shop to pick out the flowers for their upcoming wedding, Jesse runs into the only other woman he has ever loved, Sarah. Their brief encounter sets off a series of catastrophic events as Sarah reveals a secret that will test the foundations of their lives, leaving them with one certainty...life will never be the same for either of them.

Seth Storm, a once famous musician from Nashville, is now nothing more than a fallen star. After climbing the music charts and making his dreams come true, his life took a turn that he'd never expected, causing him to lose it all. But Seth is determined to do whatever it takes to get it all back, even if that includes doing the one thing he swore he'd never do.After turning his back on his career, music, and the life he had worked so hard to build, Seth embarks on a journey to make things right and get his life back.Along the way, Seth encounters a storm that threatens his chances at getting back the one thing that could fix his broken life: his daughter, Faith. Forced to travel with strangers, Seth discovers that his success and failure are not just at the hands of fate, but that they also rest within his traveling companions.This is a story about how far a man will go when he has nothing to lose and only one chance at getting it all back to honor a promise he made to his little girl. The road to picking up the pieces of his broken life places him face-to-face with his demons, leading him to realize that nothing is worse than Losing Faith.

It's been two years since Jesse and Sarah Malone found each other again, said their "I do's," and began their happily ever after. They each have a successful business, two beautiful little girls, and a future better than they could have ever imagined. But all that changes when a stranger walks into Jesse's office, presenting him with a proposal that will turn his family's lives upside down and lead him deep into a world of darkness.Nina Lamont, a partner in Jesse's architectural design firm, has the dream job, along with a beautiful apartment in downtown Chicago. She has everything a woman her age could want, except for love. After spending the past few years focusing on her career, she's ready to embark on that quest with Nolan, security specialist by day and musician by night. His good looks, musical voice, and obvious passion for her have Nina head over heels. But the more she falls in love, the more she discovers that she knows little about him, forcing her to make an impossible decision: Either trust in her heart or walk away from the only man she's ever loved. What she doesn't realize is that the only thing more dangerous than a broken heart could be Nolan's secrets.Close to Home is the third book in the Jesse & Sarah series. This story touches on the safety and comfort of an old love and delivers the excitement and hope of a new love. As Jesse and Nina search for the answers to their questions, their worlds suddenly collide in a way they never expected, reminding them that pain and love are felt the greatest when they're Close to Home.

A chance meeting on a bus? Could it really be that simple? Can such an encounter truly bring about life-changing events?On a cold winter day, during what had become his least favorite time of year, that's what happens to Nick Founder. And he realizes it's time to put the pain of the loss of his wife and daughter away, in a safe place, but not one that consumes his every waking moment.Taylor Landon is a thirty-something waitress, working her way through college while raising her son, Brett. The only thing missing is her husband, a loving man and wonderful father who lost his life in a senseless tragedy nearly a year ago. During that year, Taylor has learned how to wear a smile in front of her friends and son to mask the broken pieces of her heart. But inside, she aches. Raising a son alone is hard. She wants a strong man in her life again, but she wonders if she'll ever meet the right one.For Nick and Taylor, two lost souls, their pain is the common denominator that brings them together. But will secrets of their past tear them apart? Life and death, love and grief, and loss and gain accompany Nick and Taylor as they find themselves on a journey that neither saw coming, forcing them to ask one question...is love enough?