I have struggled with this as well. Our customer has wired funds to a "niece" and a "nephew" in Jamaica. I feel certain it is a scam ,however, she insisted she wanted to wire the money so my bosses told me to do so. My bosses did not want to anger a customer whose family has been with us for 40 years, and they believe although she is an elder lady that she is very clear headed. I disagree.