Randy Carey: It takes two to tango. The only way the construction company was not complicit was if they had a very good business reason for issuing checks in that manner. You and I know that they do not without even asking.
Ken Golliher: Increasingly, I'm in favor of the theory: The customer knows. Ask him.
Not wholly unlike Randy, I would begin by assuming the customer is a SAR subject. The purpose of the phone call would be to confirm that.