Knoble Inc

Nonprofit profile at a glance

EIN
843221062
IRS 990 coverage
2020–2024
Forms available
Form 990 2024, Form 990-N 2019
Location
Chattanooga, TN, USA
Phone
4233225369
Rating
66
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Protection Against Abuse

Official website

Reported finances

Revenue
$813,232
Expenses
$781,097
Assets
$105,079
Liabilities
$37,774

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

11 people listed

Executive titles in this filing

  • Dave Worland (Executive Director)

People named in this filing

  • Shawn Holtzclaw (Director)
  • Ian Mitchell (Chairman)
  • Frank McKenna (Treasurer)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The Organization is a nonprofit network of financial crime professionals and law enforcement, serving as a catalyst for systemic changes that improve the ability to prevent, detect, and respond to Human Crime e.g., trafficking, child sexual exploitation, senior financial exploitation, and financial scams. The mission is to awaken, equip, and deploy financial crimes professionals to fight human crime.

What it reported doing in 2024

Network Engagement: In 2024, The Knoble advanced several initiatives to strengthen collaboration across industries in the fight against human crime. We convened a working group of financial institutions and law enforcement to develop a SAR Addendum Template designed to improve the effectiveness of SAR filings. By ensuring that actionable intelligence is included, this tool helps law enforcement build stronger cases and secure arrest warrants. This was completed in 2025. We also launched a National Awareness Campaign aimed at unifying language and messaging around the four human crimes The Knoble focuses on. This effort includes a strategic awareness month calendar and key slogans to help participants amplify a consistent, cohesive message across industries. In partnership with Homeland Security Investigations (HSI) and the Center for Evidence-Based Crime Policy at George Mason University (CINA), we hosted a Human Crime Workshop in Washington, D.C. The event brought together 57 representatives from law enforcement, financial institutions, telecommunications companies, and other sectors to strengthen collaboration, discuss SAR effectiveness, and plan national education efforts. This workshop generated three new initiatives in which Phase 1 was completed in 2025. Additionally, we published the Effective Practices to Information Sharing Guide, which encourages financial institutions to enhance their participation in information sharing to aid in the early detection of human crimes. Building on this work, we hosted a follow-up roundtable with 112 participants that fostered thoughtful dialogue on collaboration and best practices, reinforcing the importance of cross-industry partnerships.

Operating model

Revenue model
Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. A relatively small share of voting board members are independent and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 79
  • Transparency & Controls: 92
  • Accountability: 18
  • Sustainability: 36
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 81.6%; rating input score 82
  • Program expense ratio: 85%; rating input score 85
  • Fundraising efficiency: $13.01 raised per $1 spent on fundraising; rating input score 46; 46th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 0%; rating input score 0; 5th percentile among comparable filings
  • Governance controls: 3 of 7 controls in place; rating input score 43
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 4%; rating input score 47; 47th percentile among comparable filings
  • Total-asset coverage ratio: 0.13; rating input score 6; 6th percentile among comparable filings
  • Liabilities to assets ratio: 0.36; rating input score 21; 21st percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 81; 81st percentile among comparable filings

Growth

  • Program expense growth: -7.9% per year; rating input score 0; 5th percentile among comparable filings
  • Revenue growth: -9% per year; rating input score 0; 3rd percentile among comparable filings
  • Asset growth: 11.6% per year; rating input score 100; 64th percentile among comparable filings

Details

  • Where the money goes: 81.6% of revenue deployed · 85% of spending went to programs
  • Governance: 0 of 10 board members independent · 3 of 7 filing controls reported
  • Programs: 4 filed program accomplishments · $664K in reported program spending
  • Leadership: top reported pay $0 · 11 people listed
  • Consistency: 24 of 24 current checks pass
  • Schedules: 4 filed schedules · includes major donors
  • Filing history: 5 filing years from 2020 to 2024
  • Contacts: How to reach this organization
  • Money network: Resolved incoming and outgoing counterparties from filed money flows.
  • Related organizations: Filed and resolved organization relationships.
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Accountability: Independent voting board scored 0/100.
  • Moderate — Accountability: Governance controls: 3 of 6 not reported.
  • Moderate — Financial Efficiency: Fundraising efficiency scored 46/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Total-asset coverage ratio scored 6/100.
  • Moderate — Sustainability: Operating margin scored 47/100.
  • High — Sustainability: Liabilities to assets ratio scored 21/100.