How though? A direct bank transfer in Europe is nearly completely impossible to reverse, once you have money in your account it's staying there.

The "money agent" acts as a cut-out and delay tactic.

Usually it's combined with a parcel re-shipping scam.

It works like this: "Sell" high-priced items on eBay, use the local bank account of the mule to collect the money. The victims will trust this process because a local bank account is involved. The mule now transfers that money through irrevocable money orders into a non-extraditory country.

The victims will go after the mule, but the police will take some time, so you get 2-4 months out of a mile until he is arrested.

At the same time, you order high-priced items using stolen credit cards and have them delivered to the mule. The mule repackages them and sends them to the scammers. The shops will go after the mule.

Ah. That makes sense - thanks for explaining.