The Financial Register.

Inward fraud & financial crime, explained for Gen Z

What it looked like from the inside, before anyone knew.

Each file follows one situation from the first friendly message to the frozen account. Read the one closest to yours — the pattern is easier to see in someone else’s story than in your own.

These are the desk’s founding composites — patterns assembled from public documentation and reader reports, not the file of any one person. Reader-sourced case files replace them as editors publish them.

A classmate → your account → goneA classmateYOUGone
High riskStudent scamsComposite

The student who was told to keep ten per cent and ask nothing.

A first-year international student was approached in a housing group chat by someone who described himself as an agent for families sending tuition money. Because his account was new and “clean”, he could receive the transfers and pass them to the agent’s local partner, keeping ten per cent.

Read this case