Crime
Terrorists using dead persons’ accounts, crowdfunding – Report
This is as the agency said terrorist financiers were opening bank accounts in women’s names as well as using phone numbers for mobile banking or account alerts that are not registered to the account holder or the true beneficiary.
The disclosures are contained in the NFIU’s 2025 Annual Report, obtained by The PUNCH from a top official.
According to the report, the crowdfunding scheme involves foreign-based facilitators using social media platforms to solicit donations under the guise of humanitarian relief or educational support, before moving the funds through multiple layers to terrorist operatives in Nigeria.
The NFIU said hundreds of sympathisers were typically encouraged to make relatively small donations, ranging from $50 to $500, through PayPal pages or conventional bank accounts, with the amounts deliberately kept low enough to evade automated anti-money laundering alerts.
“The following is a case study on Crowdfunding Network identified during the year: A foreign-based facilitator runs social-media campaigns claiming humanitarian relief or educational support and uses encrypted apps (Telegram, Signal) to share links to convincing PayPal pages or standard bank accounts.
“Hundreds of sympathiser donors contribute $50–$500 each, amounts small enough to avoid most automated AML alerts,” the report read.
The funds are subsequently pooled into a “master account” controlled by a senior member of the group living legally abroad.
“When the pool reaches a threshold, that account becomes the hub for onward movement,” the report stated.
The NFIU said the funds were then fragmented into dozens of smaller payments and transferred through International Money Transfer Operators and remittance applications to a network of money mules in Nigeria.
It identified students, small-business owners and relatives among those used as mules, noting that the strategy was designed to avoid reporting thresholds and obscure the origin and destination of the funds.
“Rather than sending one large transfer, the senior member fractures the funds and sends dozens of sub-threshold payments through IMTOs and remittance apps to a network of money mules in Nigeria; students, small-business owners, or relatives, avoiding reporting triggers.
“Upon receipt, the money was either converted to cash, used to purchase dual-use items such as motorcycles, fertilisers and satellite internet equipment, or transferred through mobile banking channels to logistics managers and field operatives,” it added.
The report described the final stage as the “integration” of the funds into terrorist operational financing.
The Unit also identified the use of gender-based proxy accounts as another emerging terrorist financing technique, with terrorists opening bank accounts in women’s names while male commanders or logistics managers secretly control them.
“Terrorist financiers are opening bank accounts in women’s names while male commanders and logistics managers secretly control them.
“They exploit cultural norms that make women less likely to be suspected by authorities, using wives, sisters, or female associates as fronts to distance illicit funds from the true operatives.
“This tactic functions as identity laundering: women’s accounts are managed by men who hold ATM cards, mobile-banking credentials, and PINs, while the women often remain unaware of the transactions and volumes,” the report stated.
The report further revealed that terrorist facilitators were using telephone numbers that were not registered to the account holders or actual beneficiaries for mobile banking and transaction alerts.
It said pre-registered SIM cards, numbers registered to deceased persons and SIMs linked to gender-based proxies were being used to break the connection between bank accounts, SIM cards and Bank Verification Numbers.
“Terrorist facilitators use phone numbers for mobile banking or account alerts that are not registered to the account holder or the true beneficiary.
“They bypass the security link between SIM cards and BVNs by using pre-registered SIMs, SIMs registered to deceased people, or SIMs tied to gender-based proxies. This severs the audit trail: when a transaction is flagged, investigators trace the phone to an unrelated person, letting the real facilitator stay anonymous and continue operations,” it stated.
The NFIU also uncovered sophisticated methods of disguising terrorist transactions through detailed or coded narrations.
It said cells, particularly those linked to the Islamic State West Africa Province, used precise transaction descriptions to maintain what analysts described as an internal accounting system.
According to the report, frequent logistics-related payments with detailed narrations were often sent from a single source to multiple recipients, reflecting a structured financial system within the terrorist network.
“Terrorist cells, particularly those linked to ISWAP, routinely use precise, professional-sounding transaction narrations to maintain internal accounting. Operating like “shadow states” with strict bureaucratic controls, they require detailed descriptions so field commanders can justify expenses to central financial controllers. Although truthful narrations appear counterintuitive, they create an internal audit trail; analysts repeatedly observe high-frequency, logistics-related payments with accurate narrations sent from a single source to multiple recipients,” the report said.
However, the NFIU said some facilitators used innocuous words, secret codes and alphanumeric strings in transaction descriptions, sometimes switching between languages, to conceal the purpose of payments and evade automated bank filters.
“Transaction descriptions employ innocuous words, secret codes, or alphanumeric strings to conceal intent. Facilitators use this coded language, often switching languages to evade banks’ automated keyword filters that flag terms like ‘Jihad,’ ‘Arms,’ or ‘Boko.’
“This practice obscures the true purpose of transfers, preventing detection and enabling continued financing,” it said.
The NFIU said its risk and crime analysis during the year identified an increasingly interconnected threat landscape involving financial crime, technology and cross-border activity.
It noted that fraud remained a dominant predicate offence, with growing cases of Ponzi schemes, fraudulent crowdfunding arrangements, cryptocurrency-enabled investment scams and hacking-related fraud.
The Unit said the schemes increasingly exploited fintech onboarding gaps, including tiered accounts requiring minimal identification, while digital platforms were used to rapidly recruit victims and move funds.
The report also highlighted persistent vulnerabilities in public sector financial management, including the diversion of state and local government funds through accounts belonging to finance officers and associated third parties.
It identified procurement processes and cash transactions as significant risk areas, saying the latter complicated audit trails and efforts to trace illicit assets.
The NFIU said its findings were translated into targeted advisories, executive alerts and strategic intelligence products to support competent authorities, reporting entities and policy responses.
Two police officers have been killed after suspected armed herders ambushed the convoy of the Divisional Police Officer (DPO) in Ayilamo, Logo Local Government Area of Benue State.
The latest attack occurred on Monday evening, barely four days after another deadly incident in the community reportedly left four policemen and seven residents dead.
Community sources said the DPO had travelled to Makurdi on official duty and was returning to Ayilamo when his entourage came under attack.
One of the sources, who spoke on condition of anonymity, said the victims were among newly deployed Mobile Police officers stationed in the area.
He said the officers were attacked at about 6pm while travelling from Ayilamo to escort the DPO back to the community from Makurdi.
Confirming the incident, the spokesperson for the Benue State Police Command, DSP Peter Aondongu, said two officers attached to the DPO’s entourage were killed in the attack.
“The DPO came to Makurdi to collect some things, and while returning to Ayilamo, he was attacked and lost two of his men in the attack,” Aondongu said.
The latest incident has raised fresh concerns over the security situation in Ayilamo, where repeated attacks have resulted in casualties among security personnel and residents.
The Nigeria Police Force has placed its formations nationwide on red alert following intelligence reports of planned terrorist attacks on worship centres, schools, NYSC orientation camps and other public places.
The alert followed fresh intelligence indicating increased mobilisation of terrorist elements for possible coordinated attacks on vulnerable targets across the country.
Police authorities also reportedly received intelligence on the movement of armed elements from Katsina through Kaduna towards Plateau State.
The operational order was contained in a police wireless message dated September 13, 2026, with reference number CB: 0900/FDPS/DOPS/FHQ/ABJ/VOL38/68, issued by the Department of Operations at Force Headquarters, Abuja.
Marked “Security General” and tagged “Treat as Very Important,” the message was circulated to Assistant Inspectors-General of Police overseeing Zones 1–17, Mobile Police formations, counter-terrorism and other specialised units, as well as Commissioners of Police in the 36 states and the Federal Capital Territory.
The police directed formations to intensify vigilance and take proactive measures to prevent criminal and terrorist elements from carrying out attacks.
The warning specifically highlighted places of worship, educational institutions, NYSC orientation camps and other vulnerable public locations as potential targets.
A 16-year-old boy, Favour Ayogu, who was allegedly abducted in Igboeze South Local Government Area of Enugu State, has been rescued in Onitsha, Anambra State, after his abductors reportedly abandoned him near a security checkpoint.
Ayogu was rescued on the evening of September 13, 2026, by a joint security patrol team operating along Oguta Road, Onitsha.
According to the Anambra State Police Command, the teenager was found at Ekene Junction after unidentified persons reportedly pushed him out of a black Toyota Highlander SUV close to a security checkpoint.
The patrol team immediately intervened and rescued the victim, thereby preventing what the police described as further danger to his life.
Following the rescue, the Command said it had intensified surveillance and intelligence-led operations to identify and apprehend members of the suspected criminal gang responsible for the abduction.
The police also appealed to residents of Igboeze South and Ibagwa-Aka in Enugu State who may have useful information about Ayogu or his family to contact the nearest police station or the Anambra State Police Command in Awka.
The Commissioner of Police, Anambra State, CP Nnanna Oji Ama, commended the security personnel involved in the rescue and directed officers to sustain strategic checkpoints, intelligence-led patrols and coordinated security operations across the state.
The Command assured residents and visitors that it would continue to intensify efforts to prevent criminal elements from using Anambra as a safe haven.
At least nine passengers have been killed after gunmen opened fire on a commercial bus at Dungus Junction in Kuru community, Jos South Local Government Area of Plateau State.
The attack reportedly occurred around 9:40 p.m. when the bus, which was travelling towards Jos, stopped at the junction to drop off some passengers.
Several other passengers were reportedly injured in the attack and rushed to hospitals for treatment.
Lawan Suleiman, a neighbour and teacher of one of the victims, identified the driver as Ibrahim and said three of the victims were from his community in Bukuru.
“The driver is Ibrahim and he was my student. Three of them are from our community here in Bukuru. Their bodies have been deposited at the hospital. But relatives are preparing to collect them for burial,” Suleiman said.
The bus was reportedly riddled with bullets, with bloodstains visible inside the vehicle after the attack.
Rwang Tengwong, spokesman for the Berom Youth Moulders (BYM), also confirmed the incident, saying the victims were passengers travelling to Jos when the attackers opened fire on the vehicle.
Tengwong said one of those killed was a member of Operation Rainbow.
“The incident happened around 9.40 p.m. The victims were all passengers travelling to Jos when the terrorists opened fire on the vehicle. Among those killed was a member of Operation Rainbow. It is a very sad development and we lament the loss of lives,” he said.
He added that some passengers sustained gunshot injuries and were taken to hospitals, while some of the injured reportedly later died.
The attack has raised fresh concerns over the safety of commuters travelling along the route at night amid continuing security challenges in parts of Plateau State.
As of the time of filing this report, the Plateau State Police Command had yet to issue an official statement on the incident.
The Enugu State Police Command has ordered an investigation into two separate incidents of alleged disruption of political gatherings in Nkanu West Local Government Area of the state.
The incidents reportedly occurred on Saturday, September 12, 2026, at Ndiuno-Obuoffia community and St. Joseph Primary School, Agbani.
In a statement issued on Sunday, the Command’s spokesperson, SP Daniel Ndukwe, said the Commissioner of Police, CP Mamman Bitrus Giwa, directed the Deputy Commissioner of Police in charge of the State Criminal Investigation Department (CID) to thoroughly investigate the incidents and ensure that those responsible are brought to justice.
According to the statement, armed hoodlums allegedly disrupted a National Democratic Congress (NDC) ward meeting at Ndiuno-Obuoffia with sporadic gunshots, leaving two attendees injured.
In a separate incident at St. Joseph Primary School, Agbani, hoodlums allegedly destroyed canopies and chairs arranged for a Peoples Democratic Party (PDP) rally.
The police said operatives were promptly deployed to both locations after receiving reports of the incidents to prevent further breaches of peace and track down the fleeing suspects.
The Command, however, noted that neither of the political gatherings had been formally brought to the attention of the police for security coverage.
CP Giwa reiterated his warning that all political activities in the state must be conducted peacefully and in accordance with the law.
He stressed that electoral offences are punishable under the law and warned political parties, candidates, supporters and other stakeholders against violence, intimidation, destruction of property and other acts capable of disrupting public peace or the electoral process.
The Commissioner urged political parties and other stakeholders to notify the police ahead of campaigns, meetings, rallies and other political gatherings to enable the Command to make adequate security arrangements.
He assured residents that the police would continue to maintain a peaceful and secure environment for lawful political activities while dealing decisively with anyone found violating the law.
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