Be cautious of job offers that involve money transfers because they are designed to propagate fraud. Here's how it works: Crooks break into the bill-pay account of innocent victims and send money to people who responded to offers like the example shown below and become unwitting “mules” in a chain of fraud. When the bill-pay money is credited to the mule’s account (either by ACH or by check), his "job" is to withdraw it and send it elsewhere by Western Union, Money Gram or Green Dot. The crooks pick up the cash at the other end to complete the circle of fraud. The mule keeps 20% thinking that he has performed a valuable service.