Criminal opportunities are arrangements or situations that offer potential for criminal reward with little apparent risk of detection or penalty (Coleman, 1987). Opportunity is in the eye of the beholder, but there is an objective and commonsense aspect to many criminal opportunities. This is why a high proportion of adults see and recognize it in similar circumstances. It is the reason we are cautioned, and we recognize wisdom in the admonition not to leave our automobile keys in the ignition switch or leave attractively wrapped gifts in plain sight while away from our cars. Regardless of how legitimate and convincing telephone callers may seem, the prudent do not give their checking account number to strangers. Widely shared understandings about situations where one is vulnerable are the reason secretaries who are harassed sexually by day do not work overtime. Criminal opportunities are found throughout the diverse spheres and routines of everyday life, but they cluster in the workplace.

The availability of lure is a key determinant of the supply of opportunities for white-collar crime, but for a high rate of crime to occur opportunities must be coupled with an ample supply of individuals and organizations who are aware of their existence and prepared to exploit them. The sources and precise nature of what distinguishes the criminally predisposed is varied, and it differs for individuals and organizations.