Bank identity fraud remains marginal in the field of social benefits, but “the risks have increased” according to the Court of Auditors, which calls on the government “to finally achieve” the automatic exchange of data with the account file. banking.
A drop of water in an ocean of benefits: in 2020, “the amounts detected for misappropriation of transfers in the social sphere” were “around 4 million euros”, specifies the Court of Auditors in a summary dated from February 9 and published on Monday.
Few things related to the hundreds of billions paid each year by Social Security, Pôle emploi or Agirc-Arrco, even if it is “probable that the real fraud (…) relates to higher amounts”.
The risks have in any case “increased in recent times” with the rise of online banks and other neobanks: all economic sectors combined, 157 million euros were misappropriated in 2020, ten times more than in 2016.
To thwart this fraud, the Court had already demanded in the past to cross-reference the data of social organizations with the file of bank accounts (Ficoba).
Unsurprisingly, it again defends “the implementation of automated and large-scale exchanges”, which supposes “finally bringing to fruition” a project piloted by Bercy “for more than ten years”.
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After “ten successive postponements” of its commissioning, the tax administration is asked to “resolve the technical difficulties as soon as possible”, so that the pension, health insurance, family allowance and insurance funds unemployment put themselves “in a position, from 2022, to exploit this data as quickly as possible”.
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