Yes it can be done in person and the signature can be forged too!
http://www.marketwatch.com/News/Stor...le&dist=google
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There is "Wire transfer Scam" known as "flashing".
- The sender sends 'wire transfer' to your account.
- Your bank received the information (it is not clearance yet) that the funds WILL BE available to be deposited into your account.
- If timing correctly the sender can withdraw the funds prior to the receiving bank to request to complete the funds transfer.
- When this happens. you will be responsible for any funds that have been draw against your account.
Many people check their account and saw the funds in the account (electronically) and hurry to transfer the name or deliver the product.
The key here is the scammer 'timing' the transaction "in transit" and not "complete"