The Globe and Mail reports in its Saturday edition that the scam started as many scams do, with a phone call from someone impersonating a bank employee. The Globe's Alexandra Posadzki writes that it ended with nearly $300,000 (Australian) being transferred out of a Melbourne woman's bank account. After gaining access to the victim's funds, the scammers transferred the money to 11 different bank accounts, most of which had been opened by international students from India. At the time when the cash was being withdrawn, the students had already returned home -- which meant someone else was controlling their bank accounts. The students had, wittingly or unwittingly, become what are known as "money mules" -- individuals who move illegally acquired funds on behalf of someone else. Canada is not immune. "We see evidence that that is a persistent risk in our environment as well," said Scotiabank's Aaron McAllister. "It can be somebody who's entirely unwitting, where they believe that they've just got this great new work-from-home job, and all they have to do is process payments. But they're told that as part of the job, they're processing those payments on their own account, or an account that they've been instructed to open."