A person who moves stolen or illicit funds on behalf of criminals — often recruited through a fake job.
A money mule receives money into their own account and forwards it onward, laundering the proceeds of fraud. Many mules are recruited unknowingly through “payment processor,” “financial agent,” or “work-from-home” job ads.
Even when unwitting, acting as a money mule is a crime and can lead to frozen accounts, criminal liability, and lasting banking damage.
Red flags
- A “job” that involves receiving and forwarding money
- Using your personal bank account for company funds
- Being told to keep a percentage as commission
Deep-dive guide
Reshipping & Package-Mule Job Scams: When 'Quality Control' Is a Crime
Frequently asked questions
Can I get in trouble for being a money mule if I didn't know?
Yes. Moving illicit funds is illegal even if you were tricked. Consequences can include frozen accounts, closed banking relationships, and criminal charges — so never let a job route money through your personal account.