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World Banking World Fraud: Using Your Identity Paperback – October 7, 2011

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Editorial Reviews

About the Author

John Cruz was orphaned at an early age. He was taken in by grandparents in Brooklyn, and then by relatives on a farm in Constable, New York. After graduating high school and serving time in the military, he matriculated at Dowling College where he graduated in 1990 with a bachelor's degree in accounting. He was first hired by the Pan Am Federal Credit Union and then by the Long Island Federal Credit Union where he worked for many years before being recruited by HSBC in January 2008. In the spring of 2009 as the vice president, senior business relationship manager at HSBC, he was placed over several high performing branches in the New York Metro area. Shortly thereafter he began finding evidence of fraudulent activities within the bank. He turned his findings into the proper channels but met serious resistance from the chain of command. He was soon threatened by both managers and clients. As he continued to uncover repeated instances of fraud that extended over multiple branches and across borders, he began keeping a file as proof of his discoveries. In February of 2010, Cruz was terminated by HSBC and immediately began making preparations to take his findings public. World Banking World Fraud is the product of over a year’s work, and is the first in what will be a larger expose on illicit practices prevalent in the banking industry.

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Product Details

  • Paperback: 275 pages
  • Publisher: CreateSpace Independent Publishing Platform (October 7, 2011)
  • Language: English
  • ISBN-10: 146378659X
  • ISBN-13: 978-1463786595
  • Product Dimensions: 5 x 0.6 x 8 inches
  • Shipping Weight: 13 ounces (View shipping rates and policies)
  • Average Customer Review: 4.0 out of 5 stars  See all reviews (13 customer reviews)
  • Amazon Best Sellers Rank: #1,583,397 in Books (See Top 100 in Books)

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Customer Reviews

Most Helpful Customer Reviews

22 of 23 people found the following review helpful By ted on October 28, 2011
Format: Paperback Verified Purchase
"I had only held this position for a little over a month,and it was already a nightmare."
So begins this "who done it", which is a biography of sorts, but reads like a detective novel. From the first sentence, you want to know, "what was the nightmare". I couldn't put the book down. Page after page, "what happens next", "who done it". Into the wee hours of the night i had to keep reading till all my questions were answered. It is simply an extremely well written book.
I haven't given credit to the substance, the content, the subject matter. Again, the book is as much about the author, his unbelievable childhood and "pulling himself up by the bootstraps", as it is about what he discovered. But,what he discovered is a whole other story, within this story.
The world of banks and their conduct is on the front pages every day. This book adds another chapter to the daily barrage of banks being fined hundreds of millions of dollars, of the 800 local banks that have failed, of the insiders who passed information and are now going to jail. Hopefully it will promote another investigation of yet another "institution". The author contends he has the support to his claims of a variety of apparently illegal activities. His story is very compelling. I hope it promotes the needed investigation.
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Couldn't stop reading this book. Mr Cruz presents an amazing account of World Banking, identity fraud and money laundering in a culture where breaking the laws and paying the fines is just the cost of doing business - no one seems to ever go to prison. (Mr Cruz writes that HBSC had over two billion dollars set aside just to pay fines). This type of behavior (apparently laundering money through bogus accounts) will never stop until the fines far exceed the level they currently are at. On Wall Street, the template for insider trading punishment is a fine three times the value of the illegal trade. Perhaps the same standard should be used in fines leveled against these Too Big To Fail banks.

Frankly, if I was in the banking business, running an ethical and legitimate bank or credit union, I'd be on the phone tmw begging this guy to come work for me. We need more people like Mr. Cruz to come forward and reveal the fraud and unethical business practices that have become prevalent in America today if we are to have a decent society.

Well done Mr. Cruz, I look forward to hearing about what comes next for you.
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14 of 16 people found the following review helpful By Jack on December 9, 2011
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I LOVE this book! Could not put it down either. As a former HSBC employee I believe every word of it. Well done John Cruz!
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13 of 15 people found the following review helpful By LIJay on November 7, 2011
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What the world needs to know about banks and fraud. I cound not put in down not for a moment.
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12 of 14 people found the following review helpful By Horan on November 3, 2011
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This book kept me wide eyed from the start. From the blatant neglect which stole his youth, to a banking system that
neglects the common threads of human decency with it's billion dollar record keeping tricks and thievery, this is a must read for anybody who
wonders what is wrong with big money today. I applaud John Cruz for sharing the painful truths!
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3 of 3 people found the following review helpful By Michelle Kobzeff on November 1, 2012
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Based on true events a riveting account of fraud in the international banking system and the reluctance of officials to address the problem. An excellent read.
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Welcome to reality. When moral absolutes are TOTALLY missing in business...look out. I first wondered if this book was fiction and then started looking for other sources about banking fraud w/ this particular Chinese bank. OMG this is scary but likely nothing new. Ultimately banking business rests on ideas about human nature and truth. People lie. Safeguards exist but the best one is to tell the truth! Couldn't put it down.
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