The Fraud Doctor Method™
Institutions do not rely on warnings — they rely on frameworks: assess the exposure, put controls in place, practise the response, and keep it current. The Fraud Doctor Method™ brings that same discipline to the kitchen table, guided by legal, law-enforcement and behavioural specialists.
Built for Newcomers, Families, and Seniors
Four stages, in order.
- Stage 1
Assess
A structured readiness check identifies where your household is exposed — financially, digitally and in how urgent requests get handled.
- Stage 2
Prepare
Plain-language controls go in place: verification phrases, trusted contacts, account alerts, credit freezes and device hygiene.
- Stage 3
Practise
Guided setup and monthly briefings turn the plan into a habit, so the right response is automatic under pressure.
- Stage 4
Protect
Ongoing continuity of care keeps the system current as tactics change, with escalation paths if something happens.
Legal weight first, then risk, intelligence and behaviour.
The method is led by Arlene Chamulak and refined in consultation with specialists in four disciplines.
Legal Recovery & Advocacy
Specialist Cybersecurity Lawyer
A specialist cybersecurity lawyer shapes how our system handles the moments that carry legal weight: evidence preservation, reporting language, dealing with financial institutions, privacy obligations and the realistic pathways for recovering funds after a fraud. Every response tool in the household system is written so it stands up when it is read by a bank, an insurer, a regulator or a court.
Institutional Risk & Governance
20+ years inside major Canadian organizations
The same assessment, controls and practised-response discipline used in banking, travel and gaming risk programs — rebuilt at household scale.
Law Enforcement & Intelligence
Canadian investigative advisors
Current tactic intelligence and reporting practice, so households act on what fraudsters are actually doing this month — not last year's advice.
Behavioural Science
Decision-pressure specialists
Fraud is a pressure and persuasion crime. Our scripts and protocols are designed for how people actually behave when rushed, isolated or frightened.
Built for Newcomers, Families, and Seniors.
Professional fraud protection should not be reserved for one demographic — or for organizations with a security budget. The same method is delivered to every household, with the examples and pacing adjusted to fit.
Newcomers to Canada
Unfamiliar institutions, immigration and CRA impersonation, and cross-border money requests are handled explicitly, in plain language.
Families & modern households
Working parents, teens, shared devices, marketplace and investment scams, and AI voice-cloning of a family member.
Seniors & their caregivers
Dignity-preserving protections that never assume incapacity, plus a caregiver pathway for adult children helping from a distance.
The STOP · VERIFY · CALL™ Response Protocol
Three steps · Every suspicious contactEnd the contact. No payment, code, link or device access while you are under pressure.
Confirm independently, using a number or channel you already had — never one you were given.
Call a trusted contact, then your institution, before anything moves.
Start with a readiness check.
The Fraud Doctor™ provides fraud preparedness education and tools — not guaranteed fraud prevention. Results and readiness scores are indicators only and do not constitute professional legal, financial, or clinical advice.