Final answer:
Register and disbursement schemes are on-book fraud schemes that leave a record in accounting records, differing from off-book schemes like skimming and larceny, which do not require an accomplice and leave no direct trace in financial documents.
Step-by-step explanation:
Register and disbursement schemes differ from skimming and larceny in several key aspects. Firstly, register and disbursement schemes are considered on-book schemes because they involve manipulation of accounting records or use of legitimate business transactions to hide the theft. In contrast, skimming and larceny are off-book schemes, as they occur without leaving a direct trace in the accounting records since the stolen funds are taken before they are recorded. Secondly, register and disbursement schemes do not necessarily require the use of an accomplice, although having one could facilitate the scheme.
Lastly, these schemes tend to leave a record of the money removal, such as in the register tape or within other financial documents. Therefore, the correct answer distinguishing register and disbursement schemes from skimming and larceny at the register is primarily: 1) They are on-book schemes, whereas skimming and larceny are off-book schemes.