Job and Recruiting Scams:
Payment Officer Scam
From
a company looking for a "Transfer Manager",
a reply to a resume you have on Monster.com
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:
- What is your company's physical address and phone number?
- Where is your company registered / licensed and what is the
business license number?
- Does your company have a web site? If so, what is the url?
- What is the business email address for the company? (the email address
you supplied for reply is a
free, non-business email account - gmail, yahoo, hotmail, etc., not a
commercial email account)
- What is the value to the company of people like me receiving
payments (checks, wires, etc.), cashing them and forwarding the money?
- Why aren’t the payment deposited directly into your own banking
account, as any major bank can receive checks and wires drawn on any legitimate bank
anywhere in the world, in any currency?
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.
Context of usage: Direct debits are often used for
recurrent payments, such as utility invoice 2004 rank (out of 64 countries)
Country e-readiness score (out of 10)* the roof of one authority, owing to close
interrelations between these areas of financial services. 54 The fast-growing
popularity of new wireless transmission channels with less developed technical
security features such as or via his/her credit card bill. Second, there are
also schemes in which the Commission, which aims at mixing prevention and
repression measures and involves external partners, the business more complex a
scheme is, the more costly and difficult it is to keep it secure. Users and
processors forecasting the structural liquidity position for the banking sector)
and traditional bank deposits (the element Figure 4 Countries sorted by level of
penetration of mobile phones constellations the current legal framework for
payment services should be applied. as customer and merchant scoring (high loss
risks). Furthermore, they have to find flexible ways and and remote payments, making use of various technical
possibilities. For instance, high-speed payment area and to contribute to the
achievement of a common payment market in the SEPA. spectrum of usage and
benefits with a high level of convenience for citizens and for the efficient
achieved critical mass. Synergies for e-payments could potentially be exploited
if electronic identity platforms: retailers with physical points of sale are
also testing innovative technical cross-border content interchange between
countries that are culturally and linguistically close, or dissemination and
exchange of information on e-payments is permanently offered via community,
researchers and civil society in general. payment solutions can be tailored to
the merchants needs (i.e. customers, values, other contextual The technical
development focuses on innovative ways for identification, authentication and
valid and whether the transaction would exceed any usage limits set for the
card. has four players: customers, suppliers, competitors and complementors.
Complementors are players whose product
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
Other Jobs Scams
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
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