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good afternoon everybody thanks for joining us my name is heather sanchez and im the market president for bbvas inland southern california market and on behalf of my colleagues at bbva in los angeles and orange county in san diego we wanted to welcome you to the latest installment of bbvas southern california webinar series so todays topic is defending against fraud in the covid19 environment and im sure that weve all been to a lot of fraud presentations that have had a lot of scare stories and and statistics but really left us wondering what to actually do about it and certainly since the beginning of covid fraud has definitely evolved and increased so we really wanted to put together a thoughtful discussion for you all today from a bigger picture perspective and really look at fraud from an i.t standpoint as well as insurance accounting and banking and provide you with some really practical and applicable solutions that you can put in place as well as highlight a few common pit