With paycheck scams, the fraudster reaches out to the victim and offers a work from home job, to be a secret shopper, use their vehicle for advertisement (Car Wrapping) or to test out a money transfer service. A check is then mailed to the victim with instructions.
Peer-to-peer (P2P) payments involve transferring funds electronically between individuals (peers) via digital platforms or mobile apps.
Professional bank couriers are used to move documents—and sometimes cash—between a bank’s locations, often from a branch to its main facility.