Abstract
Introduction to the topic by Albert Marais. Albert A. Marais, (BA, B.Proc, MBA, Diploma in Treasury Management & Trade Finance), is an attorney in private practice. Previously an investigator in the Financial Surveillance Department of the South African Reserve Bank; he has extensive experience in the law enforcement, banking, intelligence, freight & logistics and legal fields. He graduated his MBA with distinction from UNISA and is also a former RAU, now proudly UJ alumnus.