Narasimharoa, the authorized signer on his company’s accounts, prepared and signed a check payable to the company's plumber. He gave the check to Francesca, his secretary, and asked her to mail the check to the plumber. Instead, Francesca took the check home, signed the plumber's name on the back and had her husband cash the check at their grocery store. According to Occupational Fraud and Abuse, Framcesca committed which of the following schemes?

A. an altered payee scheme
B. a forged endorsement scheme
C. a forged maker scheme
D. an authorized maker schem