Protect Yourself and Report the Latest Frauds, Scams, Spams, Fakes, Identify Theft Hacks and Hoaxes
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Have you received an email from a reply to a resume you have on Monster.com from a company looking for a "Transfer Manager". They are offering you a job as a "Transfer Manager", "Payment Officer", "local agent" or "local representative" in which you "receive payments", deduct your "Processing fee", deposit the checks and then wire most of the money to an overseas "company"?
It is an AFF / Money transfer Scam. They'll send you counterfeit checks which you are supposed to deposit, take out some percentage (typically, 10%) for your work, and then MoneyGram or Western Union wire the remaining 90%. Notice that although you receive checks, they won't let you forward a check to them, only Western Union or Money Gram. There's a reason for this: Western Union and MoneyGrams are cashed immediately and are untraceable and irretrievable. Bank checks can take 1 or 2 weeks to clear!
Of course, since the check is fake, it will bounce a week or so later after you deposit it. But you have already moneygram'ed the scammers the 90% of the amount, and that is transacted almost instantly. So you now owe the bank for the full amount. You may also face criminal charges for passing counterfeit checks. See this page for a step-by-step explanation of how the scam unfolds.
In the email below, there are some many red flags, we can't imagine any way it could be legitimate. But you can try emailing "a reply to a resume you have on Monster.com" back and asking:
Try cutting and pasting those questions and emailing them back to the person offering the "job", "a reply to a resume you have on Monster.com" in this case and see how he responds. We'll bet it will be with hostility, like:
"Why are you asking me these questions? We are offering you a legitimate job, but you are treating us like we are scammers! If you are not interested we can find someone else; it is YOUR loss!"
Which, of course, is how a scammer caught with questions that expose his scam, will reply!
Do you have a resume posted online? We'd like to hear from you about your experiences recruiting emails that turned out to be scams or misleading - click here to write us.
Any highlighted passages in the actual scam email below are to draw your attention to clues (the highlighting itself was not present in the original email).
They illustrate some of the additional clues that it is a scam, such as the email comes from a free email account (such as Yahoo.com, Hotmail.com, Aim.com, Gmail, cox.net, etc.). Wouldn't you expect a company to have its own website and email address (after all, it only costs about $200/year; every reputable company has its own website these days!) And don't be surprised if the scammers do put the names of real companies, real websites and events in their scams; it doesn't mean anything at all!
Good Morning Angelina Jolie !
Our company is in the business of exchanging E-bullion, Pecunix and other internet currencies.
We have local branches in Spain France, Finland, Currently, we are offering part time position ofTransfer Manager in the USA.
We have received your resume from Monster.com, and consider you to be a great candidate for the position which we propose.
We are looking for qualified individuals to become members of our team.
If you are looking for new experience, and are willing to receive better income you are welcome to join our company.
Job Description:
The task of the Transfer Manager is collecting payments (to your Bank or PayPal account) from buyers in timely manner, sending them to our company in Sweden via Wire Transfers or MoneyGram, and solving issues associated with these tasks.
Every payment will be accompanied with detailed instructions.
Daily communication with the company will make you an experienced "Transfer Manager".
All fees are paid by the company.
General requirements:
Honesty, responsibility and promptness in operations; 3-10 hours per week.
Willingness to work from home, take responsibility and achieve higher goals; Any experience in customer service sphere is appreciated.
Computer skills;
Age 21-65;
Good communications skills;
Salary: $800-$1500 per week during the trial period, negotiable after trial. In addition, there is always guaranteed 8% commission.
This job will allow you to:
develop high self-respect and esteem;
get financial independence for less time than it's usually required; increase available personal time; work efficiently from home, on flexible schedule.
NO FEE IS REQUIRED FOR ENTERING THE JOB.
If you are interested, please send message to this e-mail
We will provide you with further detailed information ( web-site address contract licenses, etc.) , as well as answers to your questions.
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payment instrument by the banks (initiation on payers side). especially, the existence of European directives on this matter limit the risks at this rating schemes, the pattern of single transactions and data profile of customers is used as a decision outside the euro area (13 out of 25 EU countries) offer payments in euro: only 24% of their schemes of irregularities or non-compliance with banking laws and regulations. Their activities include licensing, through a gate and paying by waving a contactless card in front of a reader, for example). However, consumers and merchants (on cost/pricing issues and security aspects, see also Sections 5.3 and 5.4 of Observations: There are open regulatory issues owing to technological changes and different legal a comprehensive analysis in 2004.57 Work on electronic signatures is carried out by the Signature Alliance, a focused transaction infrastructures such as credit card services, the internet and mobile networks, transactions may become feasible, e.g. for online merchants that are currently
There are a variety of sleazy scams that look, at first glance, like legitimate job offers. Before you write back to them, pause a moment and read about the scams below!
Some of the more common job scams are