Misappropriation of Redeemable Value

A subject abuses authorized access to create, issue, increase, transfer, or redeem value-bearing instruments or account-based benefits without a legitimate business purpose or required approval.

Redeemable value may include gift cards, promotional codes, vouchers, account credits, loyalty balances, refund credits, service credits, or similar benefits that can be exchanged for goods, services, discounts, or financial advantage.

The subject may direct the value to themselves, friends, family members, associates, colluding customers, or other external parties. The value may be provided without payment, sold, exchanged, or otherwise used for personal or third-party gain.

The subject may conceal the activity by using fictitious justifications, linking issuance to unrelated customer records, splitting value across multiple low-value transactions, remaining below approval thresholds, or repeatedly reissuing credits or codes.