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Understanding and Protecting Yourself Against Money Mule Schemes

Original release date: June 22, 2012 | Last revised: February 06, 2013

Overview

“Money mules” are people who are used to transport and launder stolen money or some kind of merchandise. Criminals may even recruit money mules to use stolen credit card information. People who are used as money mules may be willing participants; however, many money mules are not aware that they are being used to commit fraud.

The people used as money mules are not the only victims; the larger scheme is designed to extract money from an organization or from other people. The most common money mule solicitations are disguised as “work from home” opportunities.

This paper describes the typical process used to commit a scheme that meets the needs of criminals who want to transport or launder stolen money. This paper also describes the consequences for mules and victims as a result of these schemes and includes advice you can use to avoid becoming a mule or a victim.

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