There is a huge international criminal industry that exists to find and hire money mules, and launder eye watering amounts of cash. Where I worked, we broadly assumed that the police weren’t interested in fraud or money laundering unless it was measured in 10s of millions. We reported everything, of course, but we only got call backs for really big schemes.
If you’re just committing fraud measured in $100ks, the odd of anyone bothering to investigate, and attempt to bring criminal charges, was basically zero.
The larger-scale money laundering in my area is a but more complicated, involving import/export schemes, real estate transactions, and property developments. I'm not in a mega-city, so I assume these schemes are taking place at a larger scale in those. I have only ever heard of very basic and stupid schemes (which didn't provide any tax revenue to my goverment) being detected or prosecuted.