One of the strangest — and most persistent — banking fraud documents is the “MT103 manual download procedure.” It instructs a fictional “banking officer” to close normal systems, open Alliance Lite / “Global SWIFT,” and perform an FTP-style download for enormous transfers. Commissions for “receivers” and “senders” are promised in chat copy.
These scripts are sold as secret bank knowledge. They are fan-fiction about banking. Real correspondent banking does not run on Word procedures emailed to strangers on Telegram.
Desk signal Any “procedure” that requires you to pay a broker before your bank can explain the product in plain language is not a bank procedure.
Tells inside the packs
- Fantasy amounts (including absurd multi-trillion figures in spam copy)
- Non-standard “FIN 103+” and FTP jargon
- Commission splits for open/closed sides of a deal
- Pressure to recruit more “receivers”
Standards: Educational case patterns and public-source red flags. Not legal advice. We do not invent convictions. Verify every bank claim through official channels.
Tips: tip desk · all case files.