Explain how each of the following three conditions could be a red flag for a register disbursement scheme.

1. Able, a cash register teller, is authorized to approve sales refunds and she is also authorized to make inventory adjustments.

2. Baker is a cashier who, in the last week, processed 15 refunds. No other cashier processed more than 5 over that same period. Each of the transactions was for between $13.50 and $14.99.

3. Over 70 percent of the refunds processed by Chase, a cash register clerk, were run on the same date as the original sale.