if you use your phone and download APP,there are so called overlay software which gets into your phone,follow you around when you log into finance sites and steal your password and account number.
This is how they manufacture transactions charging your credit card or bank account ,the easist would be something which makes you believe you have bought something via Paypal.
Your bank should be able to trace where it comes from and the fund has to go to someone's account so it is not that difficult to trace.
There are other scams out there,they can buy a check from someone who has the set up to print checks with magnetic ink on the bottom of the check,they will issue you a check with the legit company name and the bank where they conduct business,so you deposit the check and the company found out and your check bounced and your bank is not pleased.
There is also way to hack a bank ATM system where all the cash in that ATM machine at a certain day and time will be emptied out,they tried that in Taiwan and another country,I think it is Thailand,they have someone standing by to receive the cash.
This is big time fraud,not indvidual petty crimes
