Offer your thoughts or opinion on the input financial query or topic using your financial background.

Ghana scam and direct deposit scam?
Of course, it is a scam.  Regardless of how the scam might work, you already know that the person on the other end is lying, and you also know that people in trouble don't contact perfect strangers out of the blue by e-mail for help, nor do they call up random phone numbers looking for help. Scammers prey on the gullibility, greed, and sometimes generosity of the victims. As to how this scam works, the money that the scammer would be depositing into your father's account is not real.  However, it will take the bank a few days to figure that out.  In the mean time, your father will be sending out real money back to the scammer.  When the bank figures out what is going on, they will want your father to pay back this money.