Money Mule Networks
concept
Core idea
Recruits individuals, often via job-scam postings, to receive funds into their own KYC’d accounts and forward them onward, inserting real but unrelated identities into the chain.
When to use
A KYC’d account receiving irregular transfers from strangers and immediately forwarding them, inconsistent with the holder’s stated occupation.
Example
A ‘payment processing’ job-scam recruit receives deposits from unknown senders and forwards them within hours for a small cut.
Related
Off-Chain Behavioral Red-Flag Checklist, Synthetic / Shell KYC Onboarding, Structuring / Smurfing
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