“Carlow’s MFF program has opened numerous doors for me.”
Mark Malinowski has investigated more than a thousand financial
crimes involving embezzlement, identity theft, insurance fraud,
fraudulent documents, money laundering, and organized criminal
Supervisor of the Economic Crimes Unit in the Ocean County, New
Jersey Prosecutor's Office, Malinowski has scrutinized the funding
of domestic and international narcotics trafficking and tax-related
offenses, testified before New Jersey superior court, and even been
part of the county SWAT team.
But none of this prepared him for 2012.
"From October 29 to New Year's, we had Superstorm Sandy," he
says. One of the many local law enforcement agents involved in
rescue efforts, Malinowski will never forget "working 12-hour
shifts, driving Army trucks through the floodwater, and rescuing
people who chose to stay in their homes."
The devastation was overwhelming. Though Malinowski and his
young family-and their Forked River home-were spared, their lives
as Jersey Shore residents would never be quite the same.
Aerial views during an Army search and rescue mission show damage from Hurricane Sandy to the New Jersey coast, October 30, 2012. U.S. Air Force photo by Master Sgt. Mark C. Olsen
"It's all gone," he says. "The boardwalk, friends' homes, our
teenage hangouts. Gone."
In the midst of it all, Malinowski had a paper due. He was
completing his Masters
of Science in Fraud and Forensics at Carlow University, located
nearly 400 miles away. He never could have done it, he says, had it
not been for the flexibility of the program and his instructor,
"Jason knew what I was going through," he recalls. "He told me
to do what I had to do; the paper would get done."
Carlow's real-world sensitivity drew Malinowski to the program
in the first place-and that he could complete the degree entirely
"The MFF program is less textbook and more real-life than others
out there," he says.
Malinowski's MFF has been vital as he grows his new business, Framework
Financial, which develops anti-fraud educational seminars and
fraud risk assessments, and as he pursues his ultimate goal-college
professorship. He recently accepted a position as an adjunct
instructor at Fairleigh Dickinson
University, teaching a course on white-collar crime-which he is
modeling after courses he had at Carlow.
While no academic degree could prepare anyone for a force like
Sandy, Malinowski is equipped to share his experiences and
knowledge as he continues to combat financial crimes on all
After all, he says, "We all need to know how to protect