Are your children at 危険 of 存在 誘惑するd into a money mule scam? How 犯罪のs are 的ing pupils as young as nine to launder cash in alarming numbers

• e-mail

Children are 存在 誘惑するd in to online scam 操作／手術s in such alarming numbers that schools are 持つ／拘留するing 緊急の 議会s to 警告する pupils as young as nine about the dangers.

In July, the UK's anti-詐欺 機関 Cifas and banking 貿易（する） 団体／死体 UK 財政／金融 advised 最初の／主要な and 第２位 schools to 持つ／拘留する 議会s on 存在 a 'money mule'.

This is where children are told that if they 許す money to be paid into their bank account and they cash it out or send it on to another account, they can keep a 削減（する） for themselves.

However, crooks are 簡単に using this 策略 to launder money ― making the child unwittingly complicit in a 罪，犯罪.

Children ar e told by 犯罪のs that if they 許す money to be paid into their bank account and they cash it our or send it on to another account, they can keep a 削減（する） for themselves

In the past two months 307 schools across the UK have 調印するd up to classes for children 老年の nine to 14, 同様に as their teachers, about the 危険s of 存在 的d by 犯罪の ギャング（団）s using social マスコミ.

安全 大臣 Tom Tugendhat today tells Money Mail that social マスコミ 壇・綱領・公約s are making it easier than ever for 犯罪のs to 的 children.

Tugendhat, who 支援するs our Stop the Social マスコミ Scammers （選挙などの）運動をする to 軍隊 tech companies to better 保護する 使用者s, says providers must do more to identify and 封鎖する mule 新規採用.

He says: 'Social マスコミ makes advertising cheap and 平易な, turning apps such as Instagram and Snapchat into a rich 追跡（する）ing ground for 犯罪のs to identify and 新採用する money mules.

'It's time social マスコミ 巨大（な）s stepped up to better 保護する their 使用者s.'

詐欺 選挙運動者s want to teach children about the dangers of becoming a money mule before many of them will be 的d. Crooks typically go after 十代の少年少女s and university students.

Half of students are 存在 approached by 犯罪の organisations as universities welcome students for the new academic year, a 報告（する）／憶測 by 罪，犯罪 予防 group We Fight 詐欺 設立する.

Nine in ten young people are 確信して they would be able to recognise a 怪しげな message and identify a fraudulent 新規採用, によれば the 熟考する／考慮する.

But a worrying 66 per cent of university students approached 経由で social マスコミ to 'earn up to £1,000 a day' 答える／応じるd by 株ing their 詳細（に述べる）s and engaging with the sender, によれば We Fight 詐欺's 研究.

< a href="https://www.thisismoney.co.uk/podcast" target="_new" alt="this is money podcast" title="everything you need to know about money - every week">

Pupils as young as ten are approached on social マスコミ 壇・綱領・公約s by scammers who 試みる／企てる to use their bank accounts to launder 違法な money.

This can have 破滅的な consequences for their 未来, 廃虚ing their chances of going to university or getting a 職業 ― and, in the most serious 事例／患者s, can lead to a 14-year 刑務所，拘置所 宣告，判決.

犯罪のs use money mules to launder the 利益（をあげる）s of their 罪，犯罪s and 'rinse' the money by passing it through a 合法的 bank account.?

This money can 起こる／始まる from 詐欺 or scams, 麻薬 取引，協定ing or people trafficking.

The number of 14 to 18-year-olds misusing their bank accounts has 急に上がるd by 73 per cent in the past two years, 警告するs Cifas.

Ria Nelson, an assistant 長，率いる teacher at St Frideswide 最初の／主要な School in Oxford, 警告するs there is a real 危険 children can be 接触するd and be 新採用するd as money mules.

'As teachers, we learn a lot about 保護（する）／緊急輸入制限ing students, but 財政上の 詐欺 is something we see little （警察などへの）密告，告訴（状） on,' she says.?

'Children are 攻撃を受けやすい and often don't understand the consequences of getting 伴う／関わるd in activity like this.

安全 大臣 Tom Tugendhat said that tech companies need to do more to 妨げる children from 存在 新採用するd as money mules

'These 犯罪のs are truly selfish. They are trying to take advantage of children and trick them into becoming money mules. The consequences of that can be detrimental to the child's 未来, 衝撃ing their life at home and 未来 education and professional work, and that's truly awful.'

University students are also a prime 的, as they tend to have clean credit 記録，記録的な／記録するs and be on the 警戒／見張り for 平易な ways to make extra money.?

犯罪のs typically make 約束s of '平易な cash' and 'cash-flipping 適切な時期s' when 新採用するing.?

Nicola Harding, of We Fight 詐欺 and a criminology professor at Lancaster University, ran a secret 熟考する／考慮する to see how susceptible students really are.

In a 調査する, 95 per cent of students at the university said they would not 受託する an approach from a social マスコミ 接触する. Eight in ten said they would 報告（する）／憶測 approaches from 犯罪のs in person or online to Crimestoppers.

But in a mock 新規採用, a shocking number 調印するd up to the 申し込む／申し出 and failed to 警報 anyone.?

Dr. Harding and her team 招待するd students to 参加する an 'online 焦点（を合わせる） group' about 詐欺, to which 30 students 調印するd up.

What they didn't know was that student 研究員s Roni and Joel had 追加するd all the 関係者s on social マスコミ 壇・綱領・公約s Instagram and Snapchat.

After a 冷静な／正味のing-off period to 避ける 疑惑, the 研究員s sent an 初期の message to each 関係者 asking them to fill in a 調査する.

It read: 'Hii! Can you do me a 大規模な favour pls. I got a new 職業 and was hoping you could fill out this 調査する, I get paid every time someone fills it out and I really need the money tbh [to be honest]. You'll be really helping me out :).'

Dr Harding says: 'We did this because fraudsters may 新採用する young people to find other mules, but also they may create 偽の duplicate accounts and 追加する friends of the real account 支えるもの／所有者.'

Within 24 hours, 20 out of the 30 students had filled in the 調査する and engaged with the scammer.

They 株d enough important （警察などへの）密告，告訴（状） for fraudsters to use it against them, for example to commit 身元 詐欺 and open bank accounts in their 指名する.?

This 含むd their 指名する, their email 演説（する）／住所 and 詳細（に述べる）s about who they bank with and what types of accounts they 持つ／拘留する.

The level of （警察などへの）密告，告訴（状） they so readily 手渡すd over 示唆するs they would be open to becoming a money mule with その上の social 工学, says Tony Sales, of We Fight 詐欺, who ran the 熟考する／考慮する with Dr. Harding.

The Mail's Stop the Social マスコミ Scammers wants tech 巨大（な）s to introduce tougher ID 立証 対策 to stop fraudsters setting up social マスコミ accounts.

The most ありふれた way a money mule is 接触するd is on Instagram, によれば Lloyds Bank.?

Fraudsters then move the conversation to messaging app WhatsApp ― also owned by tech 巨大（な） Meta.

Liz Ziegler, 詐欺 予防 director at the bank, says: 'Typically, the mule will be 教えるd to move 基金s from the bank account to foreign 交流 壇・綱領・公約s (who ask few questions), from which the recruiters collect the cash.'

If you are worried a child you know might be 伴う／関わるd in money muling, 接触する Crimestoppers 不明な on 0800 555 111.