Money-Laundering and Reshipping Scams

Education is best way to fight scams

 

Job seekers would be wise to remember the expression, "dirty money always seeks the path of least resistance," as they conduct their searches in cyberspace, a low-friction employment and personal information marketplace.

When organized criminals and two-bit scammers seek to move stolen money and goods and steal from their unwitting accomplices, Internet job sites are an increasingly popular vehicle, says Saskia Rietbroek, executive director of the Association of Certified Anti-Money Laundering Specialists in Miami.


Monster and other job sites are combating fraud in all its forms. But money laundering and reshipping scams earn special attention, because they may actually make job seekers who fall for them criminals.


Despite job boards monitoring postings, seekers must still know how to protect themselves. This can be daunting; even some government agencies hesitate to advise consumers on how to cope with these ever-morphing scams. "We're not prepared to discuss where we are with this issue," says a spokesperson for the US Treasury Department's Financial Crimes Enforcement Network.

Where the Scams Are

Job seekers must be familiar with the Internet media scammers most frequently use to snare accomplices and victims. Some scam pitches appear as job-board postings. Other scammers send their intended victims an unsolicited, often grammatically wobbly email. An example: "We ve seen your resume on the [major job site], and we have decided to offer you the position in our company." Sometimes scammers use a technique called spoofing. This scam can make an email containing a link to a fraudulent posting look like it comes from a well-known job site.

Money-Laundering Scams

Internet money laundering "is just a huge problem," says Susan Grant, director of Internet Fraud Watch at the National Consumers League in Washington, DC. "In fake-check scams, people are losing several thousands of dollars at a pop."


Money launderers often create job postings that say they're recruiting American citizens to "process payments" or "transfer funds, " because as foreign nationals, they can't do it themselves. Their communications sometimes contain broken grammar but may include well-written prose from legitimate employers' postings.


If a job seeker responds to a fraudulent ad, the scammer will usually write back immediately, saying that the seeker is the perfect candidate and offering a job. Then the scammer usually requests the victim's bank account number or other personal information. "Nobody legitimate would hire you to use your personal bank account to process these things," says Grant.


If victims cooperate, they will use their personal bank accounts to move stolen or bad checks, planning to keep a percentage as their pay on the scammers' instructions. If the scam involves legitimate funds, the victims are never able to hold onto them. In fact, money-laundering victims may be liable to their own banks for depositing the scammer's rubber checks.

"Almost always, the money the victims are transferring is stolen, and therefore, the victims are committing theft," writes Pam Dixon in a report for World Privacy Forum.


And remember: "If any reasonable person would have asked questions and you didn't, you could go to prison for 20 years," Rietbroek says.

Reshipping Fraud

Reshipping, or postal forwarding, scam victims are typically offered an at-home job that involves repackaging stolen goods -- frequently consumer electronics -- and forwarding them, often outside the United States. Scammers ask victims to shell out their own shipping charges, and pay reimbursement and compensation with a fake check.


In addition to seeing their own paychecks bounce, those who fall for reshipping scams may be liable for shipping charges and even the cost of goods purchased online with stolen credit cards.


How can the victims be criminally liable? For starters, they handled goods that were stolen and followed scammers' instructions to lie on US Customs Service forms if they forwarded packages abroad.

If You Get Involved

What if you believe your personal information has been stolen or you're involved in an illegal money-laundering or reshipping scam? Close bank and credit card accounts that may be compromised, periodically order your own credit report and report your suspicions to law enforcement and the job site the scammers used. If any of your own acts or omissions could have broken the law, seek legal counsel.

Fraud Types

Pharmacy Fraud
Online Pharmacy Fraud incorporates numerous crimes and potentially dangerous health considerations.
• Pharmacy Fraud


Identity Fraud
In what many are calling America's fastest growing type of robbery, crooks use your name, social security number or that blank, pre-approved credit application you tossed out.

• Hacking
• Identity Theft
• Phishing/Spoofing
• Spam
• Spyware


Financial Fraud
Financial fraud is any non-violent offense that is committed by or against an individual or corporation and which results in a financial loss.

• Cross-Border Fraud
• Romance Schemes
• Advanced Fee Scams
• Charities Fraud
• Debt Elimination
• Investment Frauds
• Job Scams
• Nigerian "4-1-9" Scams
• Ponzi & Pyramid Schemes


Auction Fraud
Internet auction fraud occurs in several ways, but the most common is the failure to deliver the purchased item.

• Terminology
• International Auction Fraud
• Escrow Services Scam


Sweepstakes/Lottery Fraud
Thousands of American consumers receive sweepstakes promotions but if you have to pay to play or pay to receive your “winnings,” the promotion is a scam.

• Foreign Lottery Fraud
• Sweepstakes/Prizes Scam
Counterfeit Payments Fraud
The latest scam to hit American consumers involves counterfeit financial instruments.


• Counterfeit Cashier's Checks
• Counterfeit Money Orders

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