By Jonathan Gilbert  · Michael Levi

 This article examines the role of organised crime groups (OCGs) in the organisation and commission of mortgage and property related frauds. Whilst conventionally in criminological and policing studies, serious and organised crime has been associated with the commission of violent, gang and drug-related crimes, there is an increasing focus on the collective and facilitative role that motivated ofenders and ‘professional enablers’ like lawyers and accountants have in the commission of fnancial crimes for gain. This article utilises case studies and social network analysis (SNA) of police-defned OCGs to identify the ties criminal actors have with other ‘members’ and broader connections. It considers causal agency and the social relations that exist within the OCG that support highly organised and sophisticated operational dynamics necessary to the commission and reproduction of organised fraud. In addition to a review of the current literature, empirical data was collected from regulatory enforcement proceedings, criminal prosecution fles, trial transcripts, witness statements and interviews with law enforcement, regulators, victim-lender participants and lead members of mortgage and property fraud OCGs. SNA is used to show how members collectively share motivations to plan and co-ordinate criminal behaviour for fnancial gain, communicate and collaborate on both an ongoing enterprise and individual project basis, and how recruitment strategies, based on kinship, support resilience and the ability to reproduce organised fraud. Examining the social network of mortgage fraud OCGs, including biographies, roles, responsibilities of members, including professional enablers and straw persons and the ties and interactions between them, will assist in understanding mortgage fraud. In particular, they will show how these individual, proximal and causal factors ft within the broader, macro- crime facilitative environment in which mortgage and property related frauds are organised and are capable of being reproduced.