Well-meaning volunteers often manage Homeowners Associations (HOAs), but when money is involved, even the best intentions can create opportunities for fraud. With access to HOA funds and limited oversight, dishonest board members may misuse their positions to embezzle money, manipulate records, or engage in unethical deals. Unfortunately, many volunteers lack formal financial training and are too busy with work or family to catch the warning signs. That makes it easier for fraud to go unnot...
