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有哪些类型的财务背景调查?

如果您的企业正在填补涉及访问敏感财务信息、公司账户或其他财务文件和资源的职位,那么您可能会考虑进行财务背景调查。虽然犯罪历史检查有望帮助您发现该类别中最大的危险信号(例如因贪污或盗用身份而被定罪),但即使是无犯罪记录的候选人也可能对您的组织构成风险。

财务背景调查可能非常有价值。通常,财务背景调查不是寻找金融犯罪的检查:犯罪行为会出现在彻底的犯罪历史检查中。相反,财务背景调查旨在通过查看一个人在日常生活中如何管理资金来评估他们的财务责任。

在大多数情况下,当有人使用“财务背景调查”一词时,他们指的是信用记录检查。雇主不会在这些支票上看到信用评分,但他们可以了解详细信息,例如最高信用额度、不同信用额度的限制、平均每月付款、余额、逾期金额和仍然可用的信用百分比。信用或财务背景调查也可能产生有关民事诉讼或判决、破产、收款账户、收款金额和税收留置权的信息。

如果您正在考虑对求职者进行信用历史背景调查,请注意此类筛查并非在任何地方都合法。在几个司法管辖区,例如 华盛顿特区 和 费城,立法禁止雇主查询申请人的信用信息,除非适用某些豁免。其他城市和州也采用了类似的法律或条例。

A financial background check can be extremely valuable. Typically, a financial background check is not a check that looks for financial crimes: criminal infractions will show up on a thorough criminal history check. Instead, a financial background check is meant to assess a person’s financial responsibility by looking at how they manage money in their day-to-day life.

In most cases, when someone uses the term “financial background check,” they are referring to a credit history check. Employers do not see credit scores on these checks, but they can learn details such as highest credit extended, limits on different credit lines, average monthly payments, balances, past due amounts, and percentage of credit still available. A credit or financial background check may also yield information about civil suits or judgments, bankruptcies, accounts in collection, collection amounts, and tax liens.

If you are considering running a credit history background check on a job candidate, be aware this type of screening is not legal everywhere. In several jurisdictions, such as Washington DC and Philadelphia, there is legislation that bars employers from inquiring about applicant credit information unless certain exemptions apply. Other cities and states have adopted similar laws or ordinances.

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