Part 4 of the Fraud & Scams trackIn authoring · pre-pilot

Money Mules & Money-Laundering Red Flags: Spotting Layering at the Front Line

Recognise mule-account behaviour and money-laundering red flags at onboarding and in-life, intervene proportionately, and escalate them through the SAR and internal-reporting path without tipping off.

This course connects everyday front-line fraud work to financial crime: the accounts that receive and move criminal proceeds. It is part 4 of the Fraud & Scams Track and builds on 'Account Takeover & Identity Fraud', extending you from protecting the victim to spotting the mule who launders the money. Across four phases you Engage with a recruited-student mule case, Share the mule typologies and layering red flags, Practice the screening and escalation decisions, then Perform — writing a defensible escalation rationale and passing a scored gate on indicators, tipping-off and the reporting route.

31 min·15 learning objects·intermediate·For: Branch and contact-centre staff, payment-operations teams, fraud analysts, customer-facing relationship managers

VideoQuestionFlash cardVideo quizOrderingShort answerAssessment quizForm

How the program runs — four phases.

Engage

Meet the other side of the scam. Watch a recruited student's account fill and empty in minutes, and get an honest read on how ready you'd be to catch a mule.

GBP 9,000 in, GBP 8,550 out, eleven minutesVideo
How sure are you, honestly?Question
What did you notice?Short answer

Learn the mule typologies, the layering red flags that cut across them, and the one rule that changes how you talk — tipping off — then lock them in on cards.

Three mules, one money trailVideo
Mule typologies, on cardsFlash card
The layering red flags — and the rule that changes how you talkFlash card

Practice

Apply the framework with feedback: make the call on a live mule alert, sequence the escalation without tipping off, and write your suspicion rationale for the rented-account case.

The 'gift from a relative' that doesn't add upVideo quiz
Jordan's verification call — the first moveVideo quiz
The mule escalation, in orderOrdering
Write the suspicion — the rented accountShort answer
Recall under pressureFlash card

Perform

Prove it. Write the escalation rationale you'd actually file, then pass a scored post-test on the typologies, red flags and the tipping-off / reporting route, and attest you're shift-ready.

The 'work-from-home payment processor'Video
Your escalation, written outShort answer
Typologies, red flags, tipping off and the reporting routeAssessment quiz
Shift-ready attestation & personal planForm

Start with

Account Takeover & Identity Fraud: Reading the Tells and Making the Verify/Escalate Call

Related in this track

Run this program on your team.

Book a demo and we'll run "Money Mules & Money-Laundering Red Flags: Spotting Layering at the Front Line" end to end on your people — the AI asks, your people think — or point the Forge at your own material instead (a pre-pilot capability preview).

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