Explore the comprehensive chronicle of Marilyn Schaffer's investment fraud, revealing her deceptive tactics, exploitation of investors, and the importance of due diligence in investment decisions.

1. MARILYN
SCHAFFER
SCAMMER EXPOSED
Unraveling The Tactics Of A
Fraudulent Entrepreneur
CEO XTM INC, CSE:PAID

2. Marilyn Schaffer
Discover the manipulation techniques Marilyn
Schaffer used to deceive and misappropriate
money in her fraudulent Fintech venture.
CEO XTM INC, CSE:PAID
DON'T MAKE ANY INVESTMENTS

3. Marilyn Schaffer
Approaching
Investors
Marilyn Schaffer portrayed herself as an innovative fintech
entrepreneur, a charismatic persona. She used her industry
knowledge and current market trends to create the illusion of an
attractive investment opportunity. Schaffer used networking
events, conferences and personal connections to identify potential
investors attracted by the trillion-dollar hospitality, restaurant and
service industry.
Schaffer studied her target's investment preferences and tailored
her strategy accordingly. She demonstrated her knowledge of the
business, highlighted the growth potential and articulated a
compelling vision. She built rapport with investors by
demonstrating that she understood their interests and aligning the
pitch to their goals.
CEO XTM INC, CSE:PAID

4. Marilyn Schaffer
Convincing
Investors to Invest
In XTM
Schaffer used persuasive tactics to convince investors. She
presented a compelling story, exaggerating the capabilities and
potential of her company. She tapped into investors' fear of missing
out and their desire for high returns to create a sense urgency and
excitement about the investment opportunity in XTM Inc.
Schaffer created a network that included individuals who seemed
to be successful investors. This helped her solidify her credibility.
She strategically set up meetings between these people and
potential investors, so that they could vouch for her integrity and
the profitability and success of her business. She created the illusion
of an thriving investment by leveraging testimonials and social
proof.
CEO XTM INC, CSE:PAID

5. Discover the manipulation techniques Marilyn
Schaffer used to deceive and misappropriate
money in her fraudulent Fintech venture.
XTM INC, CSE:PAID
A TEAM OF FRAUD
LEAD BY
MARILYN SCHAFFER

6. Marilyn Schaffer
Scamming without
Paperwork
Schaffer avoided supplying substantial documentation or
paperwork to investors in order to maintain the illusion that she
was legitimate. By operating in a limited-transparency
environment, she exploited the trust of investors and their
eagerness to take part in this opportunity. Investors found it difficult
to conduct due diligence or verify the legitimacy of investments
without proper documentation. The lack of paperwork shielded her
from scrutiny, allowing her to hide in the shadows and keep
investors in the dark.
Schaffer controlled the narrative around her company by
withholding crucial information and dissuading investors from
seeking independent financial or legal advice. Schaffer manipulated
investor perceptions by selectively communicating positive
updates, and avoiding any questions about financial statements or
auditored reports.This lack of transparency deliberately created a
false trust that made it easier to take advantage of unsuspecting
clients.
CEO XTM INC, CSE:PAID

7. Marilyn Schaffer
only works for
personal gain and
investor deception
Instead of using the money raised to develop XTM Inc., or deliver on
the promises made regarding financial technology solutions and
services, Schaffer redirected investors' funds for her own personal
gain.She lived a lavish lifestyle, paid for personal expenses and
diverted money to purposes that were not related to the growth of
her company. Her actions revealed a total disregard for the faith
investors had placed in her and a callous abuse of their hard-earned
funds.
Schaffer carefully concealed the misappropriation by creating a
web of complex financial transactions and shell corporations.She
used a variety of methods, including offshore accounts and fake
invoices, in order to conceal the money trail and avoid detection.
She manipulated financial records, engaged in deceptive
accounting, and created the impression of a successful business
while stealing money from investors for her own benefit.
CEO XTM INC, CSE:PAID

8. Warning to New
Investors
The scam of Marilyn Schaffer is a cautionary tale
for new investors. It emphasizes the importance
to conduct thorough due diligence, demand
transparency, and scrutinize the credibility of
company executives' claims. Investors need to
be cautious of people who make promises that
are exaggerated, lack proper documentation
and create an urgency. Before making an
investment decision, it is important to do
research on the company. Assess its technology
and confirm its financial health. It is important to
remember the experience of those who were
scammed by Schaffer. They should be reminded
to use caution and skepticism in evaluating
investment opportunities.

9. Investors are advised to seek independent
financial and legal advice, run background
checks on executives of companies, and
request access to audited statements.
Investors can avoid falling prey to frauds
such as the one perpetrated Marilyn
Schaffer by maintaining a healthy level of
skepticism, and doing their research
diligently.
MARILYN
SCHAFFER
SCAMMER EXPOSED
CEO XTM INC, CSE:PAID