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They then spend months chatting up and luring their naive targets with online intimacy.
Some of the sophisticated scammers send cheap presents such as flowers or candy [from stolen credit cards] to capture the hearts of lonely women. They either advise that their employer pays them with Money Orders and they can't cash them in Nigeria or are having trouble cashing them.
Then they convince their soul mates to bank them into their bank account and then wire them the money via Western Union.
Often the scammers use attractive female photo profiles because lots of men will respond to an attractive woman's personal ad based on the photo alone.
They also tend to target middle-aged people looking for stable relationships.
They ask if their soul mate can re-ship them to Nigeria.