Money Mule Job Scam: How the "Keep 10% Commission" Trap Works
If a job asks you to receive money into your account and forward it to someone else — keeping a percentage as "commission" — you are being recruited as a money mule. This is illegal and can result in criminal charges, even if you did not know the money was stolen.
Quick Answer
Any job that involves receiving and forwarding money through your personal account is a money mule scam. This is a crime, even if you are unaware.
Red Flags
Job involves receiving money and forwarding it to another account
You keep a "commission" or percentage of each transfer
The role is described as "payment processor" or "financial agent"
No real interview, qualifications, or company verification
You are asked to open new bank accounts for the role
Payments come from unknown third parties, not the employer