Once the fraudsters have collected financial information of individuals via phishing, they are then in a position to abuse this information and steal money out of the compromised accounts. In order to cover their tracks, however, they recruit unsuspecting individuals to act as go-betweens by placing a variety of tempting job adverts on the Internet promising the chance to earn money quickly without expending much effort. These recruits are known as mules.
The bank accounts of the mules will be used to accept transfers of money from the compromised accounts. The mules will be asked to withdraw the money from their accounts in the form of cash and forward it, minus their commission, to the fraudsters using an international money transfer agency. The fraudsters can therefore maintain their anonymity, but there is a trail to the phishing mules, which can be followed by the authorities.
Be very careful about job offers which involve the acceptance and release of funds to a bank account in return for commission. Mules recruited by phishing fraudsters are money laundering and are likely to face criminal prosecution.