Fraud Markers, De-banking, and Financial Crime A Legal Analysis of Counter-fraud Practices in the UK and Beyond

Foreword;  Acknowledgements;  Abbreviations;  1. An Introduction to the Fraud Databases;  2. The Money Mule Problem;  3. Fraud;  4. The International Reach of Fraud Databases;  5. Justice and Transparency – A Fair Balance?

Biography

Jeremy Asher is a practising solicitor who has specialised in criminal and regulatory law for more than 25 years. Since 2020 he has developed a practice in challenging fraud markers that have been unfairly or erroneously loaded against individuals by banks and other financial organisations. He is also Founder and Chairman of the Financial Fraud Awareness Campaign and is a director of the community interest company that manages it.

"With fraud cases off the charts in the UK, Jeremy Asher's book should be required reading for every lawyer, banker and cop in the country."

Jeffrey Robinson, author of The Laundrymen

“The growing problem of fraud has stimulated a wide variety of responses, many of them built on data-matching, analysis and special databases. The substantial activity has emerged with very little critical comment and insight. This book provides a welcome and original critical review of some of these initiatives. It poses many important questions which have not been addressed and illustrates the importance of properly evaluating them. It is essential reading for those seeking to make sense of these counter fraud initiatives, which have emerged largely unnoticed in public debate.”

Professor Mark Button, Director of the Centre for Cybercrime and Economic Crime at the School of Criminology and Criminal Justice, University of Portsmouth

“A book that invokes a fearless and absolutely legally-rightful challenge to that appalling ill- conceived process of fraud 'markers' by organisations that randomly label innocent people as fraudsters.

Jeremy brings fresh thinking in an accomplished publication in an area that most shy away from and remain in their 'politically safe' areas.”

 Ian Ross PhD Criminal Psychologist and author

“Buy his book Fraud Markers, De-banking, and Financial Crime: A Legal Analysis of Counter-fraud Practices in the UK and Beyond (The Law of Financial Crime [series]) because pretty much every bad thing you have read about the abuse of power and the powerlessness of ordinary people is here.”

Nigel Morris-Cotterill, Financial Crime Risk Specialist, author "Safe Word" and "How not to be a money launderer".

"Rarely can WMLR give an absolutely unequivocal statement that a book is for everyone involved financial crime risk and compliance. In this case, that statement is completely justified."

The World Money Laundering Report Fraud Markers, De-banking and Financial Crime - Asher | World Money Laundering Report

“I was truly enthralled by the wealth of information Fraud Markers, De-banking, and Financial Crime: A Legal Analysis of Counter-fraud Practices in the UK and Beyond contained. The first half, in particular, resonated deeply with my professional background in safeguarding young people from financial harm.”

 AbdulKarim Abdullah, Director, Solutions Focused World C.I.C.

“This introduction to the use of fraud markers and debanking in the context of fraud and money laundering will be useful not only to practitioners. It also raises urgent issues for the financial sector and its regulators to address.”

Ed Vickers KC of Red Lion Chambers, London, The Law Society Gazette, 23 May 2025 Law Society Gazette

“Highly recommend reading Fraud Markers, De-banking and Financial Crime.  Fascinating and insightful!”

Craig Pruden, ACFS Senior Counter Fraud Trainer

“This book is a wise investment. Everyone should read this.”

Gerald Doyle MA, Centre for Study of Organised Crime.