Insurance Fraud Casebook: Paying a Premium for Crime

Greasing the Wheels in the Oil Business

ABDULRAZAQ AL-MORJAN

When Sarah Mali was 14, she dreamed of working for a company in Saudi Arabia and buying a family house and a farm. Her dream reflected her background — that of a girl from a poor family in a poverty-stricken Arab country.

However, finding a job in Saudi Arabia, where 8 million international expatriates work, is not an easy task, especially for Arab people. Sarah planned to study English at the university to have a competitive advantage to help her realize her dream. When she was 18, she enrolled in a local university in her country. After four years, she received a bachelor's degree in English literature with honors. Afterward, she worked as a high-school English teacher in her home country for two years.

Through the school, Sarah met and subsequently married Sami Ahmed, who was the legal guardian of one of Sarah's students. After a year of marriage, Sarah and Sami moved to the United Arab Emirates (UAE), where she worked for Danh University as a human resource (HR) coordinator.

This move gave Sarah an opportunity to earn an M.B.A. at the university. During her employment, she was an HR generalist working on talent acquisition processes, employees' personnel records, and organizing employee benefits,

Over the next four years, Sarah continued working for the university and also had two children. The family moved to Qatar ...