Email-borne impersonation fraud attacks increased by 30 per cent in the first 100 days of the coronavirus pandemic. Phishing is often conducted on a large scale, with attackers choosing targets indiscriminately. The anatomy of an effective phishing attack is rooted more in social engineering than technology. Its critical that organisations design effective business processes with oversight so there are no single points of approval or execution, and stick to them. Be aware of pretexting attack messages that have the highest response rates are often related to time-bound events.”]