#DontBeUsed

Why should you help stop money mule recruiters?


Fraud is now the most likely type of crime to affect all of us, after overtaking theft.

Young people are increasingly the major victims of fraud. Fraudsters’ tactics can be highly sophisticated and even the financially aware can easily be duped.

Victims don’t only lose their money. They can lose their family’s savings, their businesses, their trust in other people, and can impact on their mental health.

One of the most important enablers of fraud are money mules. This is where you let someone else use your bank account to send criminal money.

Fraudsters and other criminals will use lots of mule accounts to make it harder for banks and police to track them down. Most mules enabling these crimes are young.

Around 6 in 10 mules are under the age of 30. They can be recruited online and in person. By using mules, criminals try to ensure that the consequences hit the mule, instead of them. This is financial exploitation – both of the mule and of the original victim.

But mules usually get recruited because they get a cut of the stolen money. This means they are involved in money laundering. This is a serious criminal offence, with a maximum sentence of 14 years in prison for the worst offenders.

Pam ddylech chi helpu i stopio’r rhai sy’n recriwtio 'mulod arian’?


Twyll yw’r math mwyaf tebygol o drosedd i effeithio ar bob un ohonom, ar ôl dod yn drosedd sy’n digwydd yn amlach na lladrad.

Yn gynyddol, mae pobl ifanc yn dod yn brif ddioddefwyr twyll. Gall tactegau twyllwyr fod yn soffistigedig iawn ac mae hyd yn oed y rhai sy’n graff yn ariannol yn gallu cael eu twyllo’n hawdd.

Nid dim ond colli eu harian y mae dioddefwyr. Gallant golli cynilion eu teulu, eu busnesau, eu hymddiriedaeth mewn pobl eraill, a gall hyn i gyd effeithio ar eu hiechyd meddwl.

Un o’r ffactorau pwysicaf sy’n galluogi twyll yw mulod arian. Ystyr yr ymadrodd yw pan fyddwch chi'n gadael i rywun arall ddefnyddio eich cyfrif banc i anfon arian troseddol.

Bydd twyllwyr a throseddwyr eraill yn defnyddio llawer o gyfrifon mulod i’w gwneud yn anoddach i fanciau a’r heddlu eu holrhain.

Mae’r rhan fwyaf o’r mulod arian sy’n galluogi’r troseddau hyn yn ifanc. Mae tua 6 o bob 10 ‘mul’ o dan 30 oed. Mae rhai’n cael eu recriwtio ar-lein ac eraill wyneb yn wyneb.

Drwy ddefnyddio mulod arian, mae troseddwyr yn ceisio sicrhau bod y canlyniadau’n taro’r mulod arian, yn hytrach na nhw. Ecsbloetio ariannol yw hyn – y ‘mul’ yn ogystal â’r dioddefwr gwreiddiol.

Ond mae mulod arian fel arfer yn cael eu recriwtio am eu bod nhw'n cael cyfran o’r arian sydd wedi ei ddwyn. Mae hyn yn golygu eu bod nhw’n ymwneud â gwyngalchu arian. Mae gwyngalchu’n drosedd difrifol, gydag uchafswm dedfryd o 14 mlynedd yn y carchar ar gyfer y troseddwyr gwaethaf.

What can you do to protect your friends and family from criminal recruiters?

Beth allwch chi ei wneud i amddiffyn eich ffrindiau a’ch teulu rhag recriwtwyr troseddol?

What should you do?


1. Ask a friend or an adult you trust first

If someone wants to “borrow” your bank account or transfer money, saying its easy money, ask someone you trust to have your best interests at heart before you get involved.

This could be a friend or it could be an adult like a teacher or a trusted member of a community you’re in.

2. Report mule recruiters

If you think you know someone is recruiting mules, you can protect victims by reporting them. Call local police on 101 or 999 in an emergency.

If you prefer not to give your details to the police, you can contact the independent charity Crimestoppers 100% anonymously online or by calling 0800 555 111.

If it’s online content, click the button to report it to the social media companies to get it taken down. Social media companies also want to get bad actors off of their platforms.

3. Report it if you’re a victim of fraud

Report all incidents of fraud to Action Fraud, the UK’s national fraud and cyber crime reporting centre, via their website or contact 0300 123 2040. If you are in Scotland, please report to Police Scotland directly by calling 101.

In an emergency call 999.

4. If you think someone is already involved, go to the NCA website for advice

If you want to help someone you think is already involved in this type of crime, go to the NCA website.

We want to help protect young people from getting drawn into this type of criminal activity and get out of it safely.

5. Boost your online security

Make it harder for criminals to steal your identity and open bank accounts in your name by doing a few simple things recommended by the National Cyber Security Centre.

Beth ddylech chi ei wneud?


1. Gofyn i ffrind neu oedolyn rydych chi’n ymddiried ynddo yn gyntaf

Os oes rhywun eisiau “benthyg” eich cyfrif banc neu drosglwyddo arian, gan ddweud ei fod yn arian hawdd, gofynnwch i rywun rydych chi’n ymddiried ynddo i feddwl am yr hyn sydd orau i chi cyn i chi gymryd rhan.

Gallai fod yn ffrind neu gallai fod yn oedolyn fel athro neu aelod dibynadwy o gymuned rydych chi'n rhan ohoni.

2. Rhoi gwybod am recriwtwyr mulod arian

Os ydych chi’n meddwl eich bod chi’n gwybod bod rhywun yn recriwtio mulod arian, gallwch ddiogelu dioddefwyr drwy roi gwybod amdanynt. Ffoniwch yr heddlu lleol ar 101 neu 999 mewn argyfwng.

Os yw’n well gennych chi beidio â rhoi eich manylion i’r heddlu, gallwch gysylltu â’r elusen annibynnol Crimestoppers yn gwbl ddienw ar-lein neu drwy ffonio 0800 555 111.

Os yw’n gynnwys ar-lein, cliciwch ar y botwm i roi gwybod i’r cwmnïau cyfryngau cymdeithasol er mwyn tynnu’r cynnwys oddi yno. Mae cwmnïau cyfryngau cymdeithasol hefyd eisiau cael gwared ar bobl ddrwg oddi ar eu platfformau.

3. Rhoi gwybod os ydych chi wedi dioddef twyll

Rhowch wybod am bob achos o dwyll i Action Fraud, canolfan genedlaethol y Deyrnas Unedig ar gyfer rhoi gwybod am dwyll a seiberdroseddau, drwy eu gwefan neu drwy ffonio 0300 123 2040. Os ydych chi yn yr Alban, rhowch wybod i Heddlu’r Alban yn uniongyrchol drwy ffonio 101.
Mewn argyfwng, ffoniwch 999.

4. Os ydych chi’n meddwl bod rhywun eisoes yn ymwneud â’r maes, ewch i wefan yr NCA i gael cyngor

Os ydych chi eisiau helpu rhywun sydd eisoes yn rhan o’r math hwn o drosedd yn eich barn chi, ewch i wefan yr NCA.

Rydyn ni eisiau helpu i amddiffyn pobl ifanc rhag cael eu tynnu i mewn i’r math hwn o weithgarwch troseddol a mynd allan ohono’n ddiogel.

5. Rhoi hwb i’ch diogelwch ar-lein

Gwnewch hi’n anoddach i droseddwyr ddwyn eich manylion personol ac agor cyfrifon banc yn eich enw chi drwy wneud ambell beth syml a argymhellir gan y National Cyber Security Centre