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It was only when her money transfer was blocked due to a security alert around the man’s name that she realised something was wrong.
Not long after, Jane discovered an ex-colleague nearby had been scammed by the same man at the same time and she’d had a very lucky escape.
She is 5’6”, has never been married, and has long brown hair and blue eyes.
Photos used are often selfies of her wearing skimpy vest tops showing lots of cleavage.
One of the most common techniques is to build up trust with the person by messaging for weeks or even months before suddenly having an emergency - the fake person being mugged but their daughter needing urgent surgery, for example - and asking for money.
But then they suddenly need money for rent too, then food, then medical fees, and it can quickly escalate.
And a lot of the time, you’re not just talking to one person behind each profile - you could be exchanging messages with a circle of fraudsters acting together, according to KIS Finance.
Serious fraudsters sometimes even create further fake profiles and use them to be rude to you, all to make the main fake profile seem more desirable.
They're in West Africa, Eastern Europe and it's very difficult for British law enforcement to take action against them in those jurisdictions,” Steve Profitt, Deputy Head of Action Fraud explains.
So what can you do to avoid being a victim of an online dating scam?
Jane advises meeting up with someone sooner rather than later - more often than not, scammers are based abroad and won’t be able to meet you.
By analysing the top 3,000 scammer profiles (that is, those they’ve come across most frequently in profiles blocked by their software in the last year) they’ve discovered what constitutes the ‘most attractive’ female and male propositions to those targeted by romance scammers.
The male profile is in his late 40s (48 is the most common age) with a high income.