Money Mule - What it is, red flags, and how to avoid the trap

Money Mule

What it is

A money mule is a person who lets criminals move stolen money through their bank account. Scammers pitch it as easy “remote work” or a quick favor. In reality, you’re laundering funds and can face frozen accounts, debt, or criminal charges.

How the scam works - quick tour

  • You get a job offer or DM promising high pay for “payment processing.”

  • They send money to your account and tell you to forward it or buy crypto/gift cards.

  • You keep a commission, but the money is stolen. Banks later reverse it and you’re left liable.

Red flags

  • “No experience, instant approval, work from anywhere.”

  • Asked to use your personal bank or open new accounts.

  • Told to move money fast, keep it “confidential,” or use crypto.

  • Recruiters avoid video calls and pressure you to act today.

What to do

  1. Stop all transfers and keep records of messages and receipts.

  2. Tell your bank immediately and ask for an account review.

  3. Report to local police and your national cybercrime portal.

  4. If you sent ID or passwords, change them and enable MFA.

Prevent it

  • Treat unsolicited job offers and “customer service agent” roles with caution.

  • Never use your personal accounts to handle money for strangers.

  • Verify companies via official websites and independent contact details.

  • Educate family and teens - mules are often recruited on social media.

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