Job scam quick guide: it's a scam if...

  • they want you to collect and forward money in any way (a "money mule" job). You'll wind up engaged in money laundering, personally defrauded via expertly forged cheques, money orders, etc, or defrauding someone else who pays for goods that never arrive.
  • they want you to receive packages and reship them somewhere else. The goods will have been obtained fraudulently, and they're just using you to make the shipping address appear local. You will be aiding fraud.
  • they want up-front payment (either to them or someone else) of any sort for anything before you can get the job. This is advance fee fraud: there is no job -- it's just a big con to extract money from you.
  • they want you to buy any kind of "membership" or "kit" in order to start. Forget it -- it's not a real job at all: they're trying to sell you something, and they're probably making a bunch of other false claims about it if they're pitching it as a "job".
  • it's a job offer, and it's spam. There are LOTS of these scams about, as you can see.

Saturday, January 20, 2007


I have received quite a few of these "GAPFG" money mule job adverts to a broad spectrum of addresses. The "From:" and "To:" addresses appear to be taken from the list of recipients: the "From" does not represent the sender in any way, and the "To" does not represent the actual recipient, so both are redacted. The spammers are also using an array of "drop box" contact addresses to mitigate the fact that spammer "drop boxes" tend to be closed down when complaints come flooding in. In order to obtain further information, I expressed an interest in this job. The reply is included here following the initial spam.

Contact addresses seen for this scam so far as follows. Doubtless there are many others.

---------- Forwarded message ----------
From: [redacted]
Date: 17-Jan-2007 12:02
Subject: Job Position - GAPFG Co
To: [redacted]

GAPFG LTD requires regional representative in United States and Australia
If you:
•       Can speak English
•       Have personal computer and basic accounting skills (we will provide training)
•       Have e-mail box and ability to check it at least 2 times a day
•       Are able to work Monday-Friday (9:00AM - 11:00AM)
DO not hesitate to send us an e-mail ([various addresses] ) if you have any questions
about this position. We will send you information pack and provide
training if necessary. Good salary plus bonuses for right candidate.
(You can also send us a fax on: 1-309-423-2010)
Michael Sullerman
GAPFG Limited
IT Business Solutions Department
FAX: +1-309-423-2010

----- Forwarded Message ----
From: GAPFG LTD - Michael S <>
To: [redacted]
Sent: Thursday, 18 January, 2007 7:41:43 PM
Subject: Re[2]: Managers Offer - GAPFG Ltd


> DO not hesitate to send us an e-mail ( if you have any questions

> about this position. We will send you information pack and provide

Please provide further information.

[Image removed]

Good day. Thank you for enquiry. We have chosen you for the position. If you have any questions please do not hesitate to ask them to one of our friendly consultants ( one of our regional managers will be happy to supply you with all required information. Welcome aboard.

Founded in 2005, GAPFG LTD is a group of Internet commerce and finance companies united in one corporation. Basing on our long-term experience and implementing pioneer Internet technologies, we increase money turnover around the world and provide quick payments to our clients. Together with opportunities and advantages for our customers, we present a new trend in the world banking system as well. We deal with electronic money transfers and collaborate with hundreds banks and companies. 




Your task as a payment processing manager will consist in transferring payments from one of our clients to another. Due to the fact that our company works in securities market, we constantly buy and sell payments, so you will work with this money. Your profit depends on how fast money circulates in the world transaction system. You have nothing to loose while doing this one-click job. Upon your registration we transfer you a sum of money that enters on your bank account. After receiving the money you have to notify us via e-mail. The faster you send the money further, the higher numbers of transfers to process you get. If you work successfully, your status in our transfer system rises from beginner to advanced level and higher (you will receive more than 5-7 transfers per week). No office work, no need in special financial skills, flexible timetable. You choose work time yourself. 1-2 hours of occupation a day. Commission for each of the financial operation (5% of the sum and more). 




Have you ever heard about outsourcing and offshore programming? Outsourcing occurs when a firm subcontracts a business function to an outside supplier. This practice has been common within the U.S. economy for some time. (Witness the rise of large call centers in the rural Midwest.) The reduction of communication costs and the standardization of software packages have now made it possible to outsource business functions such as customer service, telemarketing, and document management. Other affected professions include medical transcription, tax preparation, and financial services. The numbers that are bandied about on offshore outsourcing sound ominous. The McKinsey Global Institute estimates that the volume of offshore outsourcing will increase by 30 to 40 percent a year for the next five years. Forester Research estimates that 3.3 million white-collar jobs will move overseas by 2015. According to projections, the hardest hit sectors will be financial services and information technology (IT). In one May 2003 survey of chief information officers, 68 percent of IT executives said that their offshore contracts would grow in the subsequent year. The Gartner research firm has estimated that by the end of this year, 1 out of every 10 IT jobs will be outsourced overseas. Deloitte Research predicts the outsourcing of 2 million financial-sector jobs by 2009.The problem is the most convenient way to receive money for our European Clients(Programmers and developing companies) is via Western Union Money Transfer(or Money Gram). It's much faster, there are no additional taxes for these types of payments in Europe. The US employer usually prefers bank transfer(or check). It usually takes 1-2 month to cash US checks in Europe. We verify carefully each other and performing our job as intermediary between these two clients. 




You receive a transfer of $5000. Your commission will be 5% of $5000 which makes $250. So you need to send us $5000 - $250 = $4750. You will receive our detailed instructions for every payment (how to send, where to send etc.) 




1. BPPM Beginner (5%) If you are a new user you immediately receive an advance sum of money on your account. Beginner Customer receives 5% of a sum of transfer. Number of transfers per week - 2-4 

2. IPPM Intermediate (7%) You can reach the level after 10 money transfers. Number of transfers per week - 4-5 

3. APPM Advanced (10%) You receive the status after upon reaching a sum of total transfers exceeding $30,000 . Number of transfers per week - 5 and more per week 




  • Fluent English; 
  • Basic knowledge of Microsoft Word and Microsoft Excel(optional); 
  • Home Computer with e-mail account and ability to check your e-mail box at least twice a day; 
  • Adults only accepted (we cannot hire underage people); 
  • 1-3 hours free during the week (mainly in the evening / non-business hours) for communication and 2-4 hours a week more for transfer processing 
  • No criminal records and good credit history (your background will be verified with BAYCORP LTD) 
  • Personal or corporate bank account. You can also open a new one (zero-balanced) later for work with us; 



Working Process brief description: 

1) We inform you about money transfer from our clients to your account (you have to check your e-mail account for our transfer notifications at least twice a day(4-5 times per day is recommended), if you don't have this opportunity at the moment, we have to discuss the regular time of the transfers beforehand); The usual time of the transfers is 9-10 am (Pacific Time); If it is your additional work, you have to send us your daily timetable (when do you start working, have a break and when finish). If not, just let us know when you are available; we have to combine your work time according to the work time of the bank; 

2) Just after you have received money transfer from our USA/NEW ZEALAND/ AUSTRALIAN clients you usually have to cash out all the sum transferred to your account; 

3) 95% of the withdrawn sum of this money you should transfer to our clients via Western Union, Money Gram etc. regarding our transfer instructions. The rest 5% of the sum - is your compensation; 

4) Just after you have transferred the money to our clients, please contact your personal manager via e-mail (confirmation of the transfer) and let us know all the details of your Western Union (or Money Gram) transfer (MTCN). 5) All procedures have to take 1-2 hours, because we have 

to provide and verify the safety of our client's money (we have to inform them about all our actions) 


You will need to supply us with this information for successful start:





Mobile phone number:

Full name from bank account

Bank name

BSB Number (for Australian reps)


please supply us with 3 different ABA numbers (standard, for WIRES and for ACH). 

ARE YOU AVAILABLE 09:00AM - 11:00AM every day?

Branch address*

Account number

SWIFT code (optional)* 

Account activity: HIGH, MEDIUM, LOW

Do you have PayPal account? (If yes type it here)





Michael Sullerman

Geneva – Asia Pacific finance group (GAPFG LTD) 

Management Department 

TEL: +1-909-581-8873 (USA)

FAX: +1-309-423-2010 (USA)

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