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THE FRAUD MATRIX

Money Laundering Facilitation (Mules, Accounts, Ghost Schemes)

Criminals need ways to move and clean dirty money. They often recruit regular people to open accounts, move funds, form companies, or act as 'mules' — sometimes with the person having only a vague idea of what they're doing.

  1. Approach

    You're offered 'easy money' to move cash or let accounts be used.

  2. Layering

    Funds pass through personal accounts, shell companies, or mule networks.

  3. Structure

    Deposits are kept under reporting thresholds to evade scrutiny.

  4. Integration

    Cleaned money returns as 'legitimate' wages, loans, or purchases.

  5. Exposure

    A transaction pattern or co-conspirator exposes the flow to investigators.

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Money Laundering Facilitation (Mules, Accounts, Ghost Schemes)

Has anyone ever asked you to receive money into your personal or business bank account and then quickly send it somewhere else (often overseas or to multiple people)?

Money Laundering Facilitation (Mules, Accounts, Ghost Schemes) — Found Fraud