Detectives believe missing Sydney millionaire Melissa Caddick had plans to flee Australia and could be hiding out somewhere with the help of people in the community.
Speaking to 2GB, NSW Police Commissioner Mick Fuller said there would "absolutely" be people helping her while flagging the possibility she may have drastically changed her appearance.
"We don't have specific leads on that at the moment but you have to safely assume her journey was one to leave Australia and go overseas … [but] at the moment there are challenges to get out of the country," he said.
"She would have to have the help of someone."
Caddick is accused of swindling clients, including friends and family, out of millions of dollars through her finance business Maliver Pty Ltd.
It's alleged she used the cash to fund her lavish lifestyle, which featured luxury ski trips and designer jewellery.
The 49-year-old was last seen on November 11 by her husband Anthony Koletti, the day after her AU$7m Dover Heights home was raided by Australian Federal Police and the corporate watchdog.
She was ordered to hand her passports over and her assets were frozen.
Caddick left to go for a run on the morning of November 12 and hasn't been seen since.
Her 15-year-old son told police he heard the front door close about 5.30am.
Investigators have combed through hours of CCTV footage but are yet to find any sign of the Sydney mother.
Detectives have also followed up dozens of tip-offs from residents in South Australia, Queensland and Victoria but nothing has come from any of the leads.
"Every day we continue to talk about her we are one day closer to finding her," Fuller said.
"At some stage she will realise she will have to turn herself in and face these allegations. The sooner she does that, if she's alive, the better."
When asked if he could say one thing to the missing woman, Fuller urged Caddick to come home.
"I'd say to her, she's not the first person to have alleged to have engaged in fraudulent activity," he said.
"For her, and her family, it is time to come home."
Caddick was officially added to the Australian Federal Police missing persons registrar at the weekend, almost exactly three months to the day since she was last seen.