Comment by TheDong

The terms of art here are money laundering and "Money Mule" https://en.wikipedia.org/wiki/Money_mule

Basically, the real scammers have a series of people who have bank accounts, but don't know the true identity of the scammer, and those people receive the wire and transfer the money in some other form.

Often, the "Money mules" don't even know they're part of a crime, and are told they're receiving legitimate money to their personal accounts, withdrawing it, and transporting it somewhere.

Sure, you can track down and try to arrest the money mules, but it doesn't feel great to arrest someone who was only an unknowing participant.