Scammers will nearly always come up against a client who has started to mistrust through the process. It’s then time to put more effort to regain trust before the chance to exploit has gone.
In the past, the only options available was some very questionable photoshopping. However, technology advances at speed and for good or bad, these scammers will utilise this to their advantage.
Editing Services.
As the scam progresses, trust issues need to be resolved when doubts arise, especially when money has been asked for. This is where the editing services step in. Some will pay/trade for an experienced editor to do this for them, others will have a go themselves. Results may vary…
The editors not only create fake Id’s and photoshop images with a required note, they also create legal documents, plane tickets, invoices and other things needed to continue the scam and exploit the victim.
Taking it further
Fake websites will also be created where a link can be sent to the victim to back up the story being told, with Linked In profiles to match. Click these links to see what they are like:
This fake website uses the pictures of Dr Michael Miroshnik, Australian Plastic Surgeon as the CEO of a hospital.
This fake website used ‘up for rent’ properties found on the web as their contact addresses in both England and Canada.
The phone numbers and emails are attached to the scammers for authenticity. This website is likely shared with Ivory Coast Scammers who have French as their primary language and often claim to be from Quebec.
Wiki pages have been created as well to back up the information wanting to be recognised by the scammers against the real person’s history. The Wiki pages which mimic the real ones in appearance, will have the link sent to the victim who then believes they are looking at a real page.
English speaking ‘clients’ may recognise grammatical and spelling errors but unfortunately scammers target everyone and those with English as a second language or even using translate are unlikely to pick up mistakes.
Fake Video Calls
‘If they won’t video call they are a scammer…’
This is what victims have been told for such a long time and in part, some of this holds true. However, with advances in technology the scammers now have a way to build trust further.
Once upon a time they would hold a phone playing a video of the supposed person (there are usually plenty of snippets available on the person’s social media or better still stories, which then disappear) to the camera on a laptop. It was really poor quality but with an excuse for this being bad internet (including it cutting out after a few seconds) it was sometimes enough to convince the victim that the moving person was really on the other side of that screen. Military scams used this particularly well as victims are being told they in remote areas. Now, apps are available to create ‘prank video calls’ which are relished by the scammers to create a better quality experience.
There are tutorials everywhere (click here for one). Scamming made easier with the help of technology. (Please ignore BJ Campbell’s comment, who is not the person you want to be online dating with as he thinks fake video calls are invaluable).
However, the scammers cannot yet make the video answer questions you might pose but voice overs are getting better so look out for the lip synching. An advantage for them is that scamming someone with a different language makes this all the easier.
This has become an essential part of the game and tutorials on how to do this is one of the services offered in the groups.
Also available are voice changing apps for the scammer to be two people at once or a child. Ivory coast scammers use village children to talk to clients as they already speak French but when convincing a client what a good mum they’ll be or a child asking for help or wanting to come and live with you, for English or other languages, the voice changer works for them. Technology is getting better all the time and depending on the size of the group (and the money to access better technology) the better the quality will be.
Collecting the money
Things will usually start small. Asking for gift cards of various descriptions has become the normal as a tester for the scammers. They then exchange the gift cards for cash with a ‘reputable’ hustler for Naira or other currency.
Amounts asked for may increase along with the story posed by the scammer. The various scams within ‘romance fraud’ have been mentioned in Part 1. (read here if you haven’t).
Now enter… ‘The Loaders and The Pickers‘
Romance scams, can be stand alone scams however, the victims can also be part of something much bigger.
Yahoo boys do not just ‘dabble’ in extorting money from vulnerable people looking for love.
Business email compromise (BEC).
This is a much larger fraud where scammers are defrauding businesses by setting up bank accounts where money is unknowingly transferred by organisations on request of a fraudster posing as the CEO to these accounts in their control. The starting process for these phishing scams and spamming comes from Russia and Eastern Europe, who sell leads to the Social scammers of West Africa. That scratches the surface, the sums lost are in the billions.
Where do victims of romance fraud come in? These huge scams need to have the money they exploit, cleaned before it is sent back to Africa and the fraudsters. Money mules are used to do this. These mules (Pickers) have several roles.
Some will know exactly what they are doing and paid for the job. They will often be resident citizens in the country being exploited and work for a percentage of the ill gotten gains. These criminals will set up bank accounts, PayPal accounts, any other digital cash transfer accounts using stolen identities (courtesy of other phishing scams including Romance Scams, where they are collecting all and every scrap of your details) and also send cash directly to other mules.
Most of these applications and organisations have criteria to block accounts being opened by the likes of Nigeria or money sent to these countries, so they have become creative in how to get the money back to them. It also means the trail of the stolen money is made ever more difficult to trace, if not impossible. Large sums of money also meet criteria for investigation by the likes of the FBI, the scammers know this, so stolen funds are split into smaller packages, ‘The Loaders’ then load accounts with the funds ready to transfer.
In some cases, several mules will be used to transfer the money from one place to the next. However, every time a mule is used, the scammers lose a cut of the money.
Romance scam victims can be used for free.
Built into those stories created by the scammers will be opportunities where victims are asked to ‘look after some money’. Some victims wont ever be asked for money themselves, just occasionally doing a favour for the guy they fell in love with when he gets stuck while working abroad. These victims become unknowing money mules (Pickers).
The Loader and Pickers are used across a wide variety of scams. They will be called on when needed. The Loaders tend to take the biggest cut as their job is most risky.
Many processes are being tested for ‘cashing out‘ . Gift cards remain a favourite because it removes the mules and the scammer gets a bigger cut of the money. Apps such as Cash App are liked for their ability to convert to Bitcoin which becomes untraceable, however with Bitcoin and other digital currency being banned in Nigeria and other West African countries, they are on the look for new processes constantly, so the game is always changing. AliPay is used in China, Zelle within businesses. New apps are out all the time and they will find ways to exploit them. People like this will show the scammers how to use them:
In Part 3, what happens when the scammers are caught out.
