Money mules are recruited, sometimes unwittingly, by criminals to transfer stolen money on behalf of others. 

Those involved or caught being a money mule are likely to find their bank account closed and can face a prison sentence.

How can I protect myself?

• Be suspicious of job adverts that offer the chance to earn quick and easy money - stick to reputable job sites
• Don't sign up for any opportunity without undertaking proper research into the prospective employer eg do they have an online presence? Are the contact details legitimate? Is it based overseas?
• Don't engage with any online posts offering large sums of money
• Don't accept message requests from people you don't know, and if you receive a message with a link to click from a friend, speak to them in person before you respond
• Don't share bank and personal details with anyone you don't know or trust - even among friends or family. If someone asks to 'borrow' your account, say no
• Always remember that if you aren't sure about the source of money, it could have come from criminal activity, and you could unwittingly be laundering money and end up with a criminal conviction.

What should I do if I'm suspicious?

• Report it by calling the local Police on 101 or 999 in an emergency
• Contact the HMRC Fraud Hotline quoting ref: IFMM23. You do not have to give your name or contact details unless you want to
• Contact the independent charity CrimeStoppers anonymously online or by calling 0800 555 111. Please quote ref: IFMM23
• If you see it online, click the button to report it to the social media companies to get it taken down.

For more information, please take a look at the HM Revenue & Customs document.