(Last Updated On: March 25, 2022)

The Near Future Of Money MulesMoney mules Money mules are a type of money laundering where a person transfers illicit funds through a medium (such as a bank account) to obfuscate where the money came from. There are different types of money mules including witting, unwitting, and complicit.

A SCARSSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. Editorial

By SCARS Director Dr. Tim McGuinness

Before There Were ScammerScammer A Scammer or Fraudster is someone that engages in deception to obtain money or achieve another objective. They are criminals that attempt to deceive a victim into sending more or performing some other activity that benefits the scammer.’s Money Mules

In the early days – just 10 years ago, scammers did not need money mules. They got their money directly, usually via Western Union. Scammers controlled the money transfer business, and even had their own moles inside these agencies – in some cases, they may even have owned the agencies. This was part of the poor controls that caused Western Union to be fined over $450 million dollars in 2016.

Those days came to an end when the money transfer business and governments began to crack down and illegal transfers direct to scammers.

However, today, scammers and criminals of every type have figured out that people are easily manipulated into becoming mules.

We Understand How It All Came To Pass

We know that victims can be easily lured into becoming a muleMule A money mule sometimes called a "smurfer," is a person who transfers money acquired illegally (e.g., stolen) in person, through a courier service, or electronically, on behalf of others (usually criminals that they are knowingly or unknowingly affiliated). Typically, the mule is paid for services with a small part of the money transferred - but not always. Mules may or may not be aware that they are performing these actions. Money mules are often dupes recruited online for what they think is legitimate employment, not aware that the money they are transferring is the product of crime. The money is transferred from the mule's account to the scam operator, typically in another country. Similar techniques are used to transfer illegal merchandise. Mules can be prosecuted for numerous crimes. for their fantasy relationship partner. Some fall for becoming a mule through fake job scamsScams A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost., and almost every imaginable type of scamScam A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. can result in becoming a mule.

However, there is an ever-growing number of people who willingly participate.

But we also know it has to stop.

To Stop It

To bring this to an end, there is going to be a lot of pain; a lot of good people will go to jail, and a lot of easy-money people will also go to jail.

This is going to get very ugly because it is the one thing that law enforcement can take control of!

This is going to expand government control of all banking, finances, and money movement.

One recent proposal for a law will require police and tax authority approval to send more than 1,000 dollars anywhere. This is going to lead to incredible scrutiny over every transaction.

Do we really want to go there? Do we really want government in our lives more than they are now?

But what choice do we have?

Banks Are Also Fighting Back

Banks are also looking at their complicity and their liability in all of this.

In truth, the banks did what their customers asked them to do, but everyone blames the banks. This is already resulting in banks filing bank fraudFraud In law, fraud is intentional deception to secure unfair or unlawful gain (money or other assets), or to deprive a victim of a legal right. Fraud can violate civil law (e.g., a fraud victim may sue the fraud perpetrator to avoid the fraud or recover monetary compensation) or criminal law (e.g., a fraud perpetrator may be prosecuted and imprisoned by governmental authorities), or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong. The purpose of fraud may be monetary gain or other benefits, for example by obtaining a passport, travel document, or driver's license, or mortgage fraud, where the perpetrator may attempt to qualify for a mortgage by way of false statements. A fraud can also be a hoax, which is a distinct concept that involves deliberate deception without the intention of gain or of materially damaging or depriving a victim. charges for any false statement made by victims, and this is likely to expand.

We expect banks to create “trap statements” to catch victims is lies in order to protect themselves in exactly the same way the money transfer services do now.

Tens of Thousands Of Mules

Right now, some estimates are that there are more than 25,000 money mules working for Nigerian & Indian scammers. We think the number is much larger.

Law enforcement only has one option, and that is locking down access to money services. But that has also led to conversion to mules handling cash.

It is an arms race, and it will impact all of us!

The more the problem grows, the worse it is going to get for everyone that tries to use financial services. Some states are considering forcing pack & ship stores to sign affidavits that they know what is in the packages they send.

This is going to get more controlled and that is not always better, but what choice is there?

If You Are A Mule

If you are a mule, go now to your local police and help them stop the scammers. If you go in yourself, they will welcome your help, but if you wait and they find you, it could mean jail time!

If you want to learn more about mules – the consequences and the path to safety, please read our 5 Steps Guide for Money Mules – click here.

Follow the money. Cut it off in transit!

This is the way! Going after the mules is the easy and effective answer. But it will bring government intrusion into everything.

What do you think?

The attitude has changed – the new CIFAS campaign film looks at why criminals need money mules: people who allow their bank accounts to be used to launder money – a rising trend with devastating consequences.

Learn more:

Did You Receive Money From A Scammer, Or Give A Scammer Access To Your Accounts?

You may have become a Money MuleMoney Mule A money mule sometimes called a "smurfer," is a person who transfers money acquired illegally (e.g., stolen) in person, through a courier service, or electronically, on behalf of others (usually criminals that they are knowingly or unknowingly affiliated). Typically, the mule is paid for services with a small part of the money transferred - but not always. Mules may or may not be aware that they are performing these actions. Money mules are often dupes recruited online for what they think is legitimate employment, not aware that the money they are transferring is the product of crime. The money is transferred from the mule's account to the scam operator, typically in another country. Similar techniques are used to transfer illegal merchandise. Mules can be prosecuted for numerous crimes.. This is a crime!

You may have been involved in money launderingMoney laundering Money laundering is the illegal process of concealing the origins of money obtained illegally by passing it through a complex sequence of banking transfers or commercial transactions. Money laundering can be done through various mediums, leveraging a variety of payment vehicles, people and institutions. or aiding and abetting transnational criminals. Do not try to hide from this – this is serious, and if you are discovered (and you will be) then you might be prosecuted.

You should report these crimes to your local police – however, we strongly recommend that you speak with a CriminalCriminal A criminal is any person who through a decision or act engages in a crime. This can be complicated, as many people break laws unknowingly, however, in our context, it is a person who makes a decision to engage in unlawful acts or to place themselves with others who do this. A criminal always has the ability to decide not to break the law, or if they initially engage in crime to stop doing it, but instead continues. Defense Attorney immediately. You have no time to waste. You cannot avoid this, do it today!

SCARS is not a law firm and we are not attorneys. The information we provide is for educational purposes only. See additional disclaimer below.

To find a criminal defense attorney in the United States visit FindLaw here: Criminal Law – FindLaw  For other countries look for your local directory of criminal defense attorneys or solicitors.

Always Report All Scams – Anywhere In The World To:

U.S. FTCFTC The Federal Trade Commission (FTC) is an independent agency of the United States government whose principal mission is the enforcement of civil (non-criminal) U.S. antitrust law and the promotion of consumer protection. The FTC can also act as a clearinghouse for criminal reports sent to other agencies for investigation and prosecution. To learn more visit www.FTC.gov or to report fraud visit ReportFraud.FTC.gov at https://reportfraud.ftc.gov/#/?orgcode=SCARS and SCARS at www.Anyscams.com

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SCARS the Society of Citizens Against Relationship Scams Incorporated

By the SCARS™ Editorial Team
Society of Citizens Against Relationship ScamsSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. Inc.

A Worldwide Crime Victims Assistance & Crime Prevention Nonprofit Organization Headquartered In Miami Florida USA & Monterrey NL Mexico, with Partners In More Than 60 Countries
To Learn More, Volunteer, or Donate Visit: www.AgainstScams.org
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