Some criminals pose as bank staff to cheat elderly people out of their savings.
Tips
usage
分子 here is fènzǐ, "member of a group", not fēnzǐ "molecule". The same pattern gives 知识分子 "intellectual" and 积极分子 "activist". 不法分子 is news and police language; in conversation people say 坏人 or 骗子.
