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Additionally, it must disclose the specific amount or percentage of the main participant or account holder’s retirement benefits that will be paid out to the alternate payee.

Hayes allegedly deposited the checks in her accounts at various banks by forging the signatures of payees, prosecutors said.

Jack also approved these – which meant he had been tricked into setting up three new payees.

On this occasion, McLaughlin requested that the payee line be left blank on the cheque - and instead of purchasing the memorial items - McLaughlin filled in his own name and pocketed the £1,000.

He could also alter payee account details without “authorisation or verification”, which he did to transfer money to himself.