Vicky Rogers works in the accounts payable departmentat HDU, Inc. When checks are returned to the company for incorrectvendor addresses, she is supposed to research them, correct them, and then forward them to the proper address. Instead,Rogers decided to convert some of the returned checksfor her own use. Based on the information provided, what type of check tampering scheme is this likely to be?

a. Forged maker
b. Forged endorsement
c. Concealed check
d. Authorized maker