Hey there, everybody.
It's Michaela.
To close out the year, we're bringing you something a little different.
Back at the beginning of the month, I was in London for the FT's Global Banking Summit.
While I was there, I hosted a discussion on consumer protection in the digital age,
from phishing attempts to the emotional manipulation of romance scams.
The so-called social engineering tactics that scammers are using are becoming increasingly sophisticated.
And all of that is raising serious liability questions.
So who should be doing more?
The banks?
The regulators?
Social media companies?
For this panel, I had a group of four great guests from around the industry.
You'll be hearing from Carolina Garsis.
She's the global head of financial crime risk at Citi.
You'll also hear from the founder and CEO of Open Banking Excellence, Helen Child.
Also, my colleague Elliot Smither, who's a production manager and chief sub editor at the FT.
And finally, Ethan Salatheal, who's a director at KPMG, leading on fraud transformation.
So now we're going to play an abridged version of that conversation for you right here.
Enjoy.