the clients that keep you awake at night

masked man carrying large money bagwhen even the best internal controls fail, guess who the client will blame?

by ed mendlowitz
call me before you do anything: the art of accounting

i have addressed the importance of controls when trying to get a client. but it is also important to retain the client.

more: clients don’t lose sleep for overpaying taxes | 6 ways to increase your fees … if you dare | the clients that got away | upselling made painless | boosting a fixed fee substantially | creative ways to retain staff | what cpas can learn from lawyers and doctors | my top 10(ish) regrets
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a good system that is not monitored is a sure way to lose your client – and your sleep.

if you have been around long enough, you’ve experienced a theft at a business or not-for-profit organization. for nearly ever fraud i have seen, the slightest effort would have thwarted those frauds.

nowadays the only frauds i come in contact with are new engagements, where i try to quantify what was taken. when i was more active i used to worry about whether my clients’ controls were adequate to protect them. if they weren’t or weren’t followed the right way, or weren’t used at all, then problems developed. then i had a problem, even though i might have set up the “best” system ever.

the problems develop not because of bad controls, but because of a failure of implementation. most systems work, even if they are not so good. bad systems work well if they are overseen and the results are monitored and reviewed. of course, it is always best to have great systems, but the best system that is not followed or overseen becomes no system.

one of the purposes of a system is deterrence. it sends the message that defalcations will be discovered quickly. many times just the knowledge of the system is enough to prevent an otherwise honest person from crossing the line. without the threat of being discovered, there’s a temptation that i believe creates culpability for the overseer. in many instances, a small mistake that created anxiety leads to an actionable second “mistake” that really becomes an “on purpose,” and that nondisclosure gradually leads to further inappropriate activity.

as an advisor and someone who also sets up systems and performs forensic investigations on suspected frauds, i believe the most important step in the process is to implement diligently and regularly the monitoring required by the system. i no longer set up a system and go home. i insist that my firm remain engaged to make sure the implementation becomes part of the client’s culture and routine activities.

if a client doesn’t want to do that, then we usually pass. we don’t want to deal with the problems that eventually develop. because when they do, i do lose sleep, and that’s not for me.