Ayesha Grainger

It has been over three years since Ayesha Graingers husband passed away suddenly. Her husbands estate has been settled and Ayesha, a yearold, former Perth nurse, has moved to Coffs Harbour, in Northern New South Wales in July with her cat, Spud to begin as her children say a new stage of her life. She posts that she is leaving Perth for a sea change on her Facebook profile. She has never travelled outside of Western Australia. Her children and extended family like it her former work friends comment and typically wish her well. Her profiles on social media are very open.

WA Bank

Ayesha Grainger has been a customer at WA Bank for the last thirty years. She holds a regular transaction account, a savings account and has both a debit card and a credit card. She seldom withdraws cash and appears to utilise her debit card for most of her day to day living costs, and only occasionally uses her credit card for purchases at vendors such as The Good Guys and Harvey Norman. Her quarterly utilities bills are paid through EFTs, and she has several direct payments set up for other periodic bills such as telephone and insurances.

Enter Abdul Hazem

Ayesha, a parttime worker in Coffs Harbour, Australia, connects with Abdul Hazem on social media. Abdul, originally from Bristol, UK now resides in Bulgaria, working for a nonprofit organization, \'Kindness of Strangers Foundation\' KOS providing aid to Ukraine. Ayesha receives extravagant gifts from Abdul, including an enormous flower arrangement on her birthday. Soon after, Abdul claims to have been in a car accident, losing his phone and wallet. Ayesha sends him AUD$ for a new phone and subsequently sends AUD$ to his friend Rabi Khan to assist with policerelated expenses. Over the next two months, she sends additional amounts totaling AUD$ to Rabi\'s account. Abdul promises to repay her with two payments of AUD$ each.

In January Abdul sends Ayesha AUD$ suggesting she deposit the extra into a business associate\'s account. Ayesha complies, depositing AUD$ into Ed Ayman\'s\" account. Two days later, Abdul sends her another AUD$ and she repeats the deposit. Concerned, bank teller Maisie makes a note about these transactions.

The couple exchanges numerous messages, and Ayesha sponsors KOS with a $ donation. Abdul later contacts Ayesha, claiming the politician\'s son involved in the accident is after him. He requests Ayesha to meet his cousin, Jordan Adam, to collect AUD$ in cash. Abdul instructs her to deposit AUD$ into one account and split the remainder into nine other accounts, citing government scrutiny concerns. Ayesha complies, believing Abdul\'s reassurances about his business interests and future plans to move to Coffs Harbour.

Ayesha deposits the cash into multiple accounts, including two at WA Bank, where Maisie, the teller, becomes suspicious. Ayesha shares her story with Maisie but doesn\'t reveal all the details about Abdul. She mentions Abdul\'s plan to relocate to Coffs Harbour and engage in business opportunities in Australia.

This summary highlights Ayesha\'s gradual involvement in Abdul\'s financial affairs, where she sends various amounts of money totaling AUD$ and handles large cash transactions on Abdul\'s behalf. Despite warnings from the bank teller, Ayesha remains loyal to Abdul, believing in his promises and future plans together. However, the suspicious nature of Abdul\'s requests and the large sums involved raise concerns about potential financial exploitation and fraud.

Question: Flow of Funds:

Based on all the information provided in the case above, prepare a diagram showing the flow of funds.