The Gozi Trojan is a stealthy cybertheft tool that evades anti-virus detection for weeks sometimes months at a time. The software-as-a-service fraud scheme called 76 Services was the real moneymaking machine, investigators say. A typical Gozi attack worked like this: A 76Service customer would decide which banks most of those victimized by his Trojan were using, and then pay the author to create automated system. The system even automated the ready supply of so-called money mules, willing or unwitting individuals recruited through work-at-home job scams.”]
Source: https://krebsonsecurity.com/2013/01/three-men-charged-in-connection-with-gozi-trojan/