2026 Fraud Trends Affecting Bahamians

Mrs. Jonelle Gardiner is a Group Financial Crimes Analyst with a background in anti-money laundering and financial crime risk management across the financial services and insurance sectors. She holds a Master of Business Administration in Financial Crime and Compliance and a Chartered Banker MBA. She is a Certified Fraud Examiner, Certified Financial Crimes Investigator, and Certified Financial Crimes Specialist. Jonelle currently serves as The President of the ACFE Bahamas Chapter, Assistant Secretary of the Insurance Institute of The Bahamas, and Treasurer of the Kiwanis Club of The Rising Sun. She authors monthly articles and professional commentary on emerging fraud risks, ethical conduct, and regulatory trends, contributing to education, policy discourse, and institutional resilience.