You'll be told that you're the heir to a substantial sum of money from a long lost relative overseas, but the money's tied up due to unpaid taxes, or something similar, where fees must be paid to release the money.
They may even provide you with 'authentic' documentation as proof the inheritance is genuine, and may ask for funds to be sent to them via money transfer agents like Western Union or Money Grams.
The offender will tell you they're fundraising for someone who's unwell and requires a sum of money for lifesaving medical treatment, or in response to a natural disaster, or any other type of fundraising for those in need.
The offender may say they have money but it's tied up in legal proceedings and they need funding to have it released or to sort the legal matter. They say the money will be returned to you once theirs is released, which never happens.
You'll be told you've won a large sum of money in a lottery. The latest approach is to make contact and advise that you've won some money, but not enough to justify them sending it to you. Instead, they'll offer to invest the money in more lottery tickets, then call back and advise that those tickets have won you a prize of millions.
They may send you false documentation to support their claims. They'll then ask you to send money.
Most fraudsters are located overseas. It isn't easy to make transfers online out of New Zealand bank accounts from overseas, so a 'money mule' or 'money transfer agent' is needed to launder the funds obtained in phishing and Trojan scams.
Money mules receive fraudulently gained funds into their accounts, then withdraw the money and send it overseas using a wire transfer service. They're paid a commission for their role in the scam.