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Maria asks…

Do this opportunity sounds like legit or a scam?

Job title: Escrow Officer
This international firm handles both residential and commercial transactions and their primary business groups are title agency and title underwriting operations therefore we are looking for a person to handle transfers of documents and funds, acting on the behalf of, Finning CAT and CAT UK’s customers in the US.

Job Description:
Escrow generally refers to money held by a third-party on behalf of transacting parties. We have decided that this does not have to be a third-party and it can be an In-House service which would bring financial advantages for both Finning CAT and our customers.
This position does not have formal educational requirements.
Candidates for this position must be detail-oriented, trustworthy and professional when dealing with sensitive and confidential transaction information.

Main Duties:
To receive payments from our customers which are mainly under the form of checks (only U.S. emitted checks, no international checks will be sent to you);
To Keep track of the payments received and offer daily reports on those payments;
To deposit the checks in your existing bank account and receive cash funds in return;
To Forward the funds under the form of a money transfer;
To keep reports on all the funds sent;
To scan all the formal documents (e.g. receipts) received while doing this job; To add copies of all the documents aforementioned to the daily reports;

Financial Benefits:
Fixed monthly salary:
The starting salary stipulated in our contract is in the amount of $4500 and is paid at the end of each month.
This arrangement starts the moment the contract is signed (after signing a contract with US any Escrow Officer receives his first salary after a 30 day period)
Additional to the fixed salary there are commissions and dividends as follows:

1.Fixed commissions:
For each payment you process you earn $150.

2.Haste dividends:
(These depend on how quick payments are processed and are as follows)

Completely processing a payment within 24 hours will earn you $150;
Completely processing a payment within 36 hours will earn you $100;
Completely processing a payment within 48 hours will earn you $50;

Anything above that time will not earn you any haste dividend.

Additional financial benefits:
Savings/401(k) with matching contributions.
Provides for savings through payroll deduction or contributions along with company-matching contributions.
Life Insurance, AD&D, Short and Long Term Disability.
Various insurance coverage plans, including short and long-term disability, employee and dependent life and long-term care.

Health and Wellness benefits
We offer a variety of medical plans that feature in and out-of-network benefits:
Comprehensive Dental plan;
Features out-of-network benefits;
Comprehensive Vision plan;
Optional coverage that offers significant benefits.

“Why is this position necessary?”

We want you to understand the reasoning behind our decisions! Below you will find an answer to the question: “Why is this position necessary?”
Today’s financial market, as you may well know, is quite volatile and the more prices fluctuate the more the value of stock follows. In such a volatile market, no company can afford to have a long time between delivering products and receiving payments for those products.
Nowadays there are more payment options than ever before, however as an entrepreneur, we want to offer as many payment methods as possible.
Studies have found that companies and websites providing four or more payment methods other than credit cards had a sales conversion rate 12 percent higher than those offering just one payment option in addition to credit cards.
In other words, the more payment options a company or website offers, the more payment processing that company or website does and therefore the sales rate goes up.
Our In-house statistics have found that over 70 percent of our foreign customers prefer the “Pay by Check” method.
At present we have a high number of orders from the US that cannot be put on hold. As stated previously many of these orders are to be paid through the “Pay by Check” method. There are quite a few problems with this payment method, the main one being “International Checks” have a 28 working days cashing period. The volatile of the financial market does not allow such a long period between delivering products and receiving payments for the deliveries made.

Best Answer:

100% scam.

There is no job.

There is only a scammer trying to steal your hard-earned money.

The next email will be from another of the scammer’s fake names and free email addresses pretending to be the “secretary/assistant/accountant” and will demand you cash a large fake check sent on a stolen UPS/FedEx billing account number and send most of the “money” via Western Union or moneygram back to the scammer posing as the “supply company” while you “keep” a small portion. When your bank realizes the check is fake and it bounces, you get the real life job of paying back the bank for the bounced check fees and all the bank’s money you sent to an overseas criminal.

Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check ID and will simply hand off your cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country your money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever.

When you refuse to send him your cash he will send increasingly nasty and rude emails trying to convince you to go through with his scam. The scammer could also create another fake name and email address like “FBI@”, “police_person” or “investigator” and send emails telling you the job is legit and you must cash the fake check and send your money to the scammer or you will face legal action. Just ignore, delete and block those email addresses. Although, reading a scammer’s attempt at impersonating a law enforcement official can be extremely funny.

Now that you have responded to a scammer, you are on his ‘potential sucker’ list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram.

You could post up the email address and the emails themselves that the scammer is using, it will help make your post more googlable for other suspicious potential victims to find when looking for information.

Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don’t bother to tell him that you know he is a scammer, it isn’t worth your effort. He has one job in life, convincing victims to send him their hard-earned cash.

Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer.

6 “Rules to follow” to avoid most fake jobs:
1) Job asks you to use your personal bank account and/or open a new one.
2) Job asks you to print/mail/cash a check or money order.
3) Job asks you to use Western Union or moneygram in any capacity.
4) Job asks you to accept packages and re-ship them on to anyone.
5) Job asks you to pay visas, travel fees via Western Union or moneygram.
6) Job asks you to sign up for a credit reporting or identity verification site.

Avoiding all jobs that mention any of the above listed ‘red flags’ and you will miss nearly all fake jobs. Only scammers ask you to do any of the above. No. Exceptions. Ever. For any reason.

If you google “fake check cashing job”, “fraud Western Union scam”, “check mule moneygram scam” or something similar you will find hundreds of posts from victims and near-victims of this type of scam.

Posted From Yahoo! Answers (for informational purposes only)

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