The 10-Minute Window

You have just seen an unauthorised transaction. Your phone is now ringing. Six decisions. What do you do?

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BANK ALERT - 11:43 AM Rs 3,200 debited from your account ending in 4821. Merchant: ONLINE_TXN_9947. If not you, call 1800-XXX-XXXX.
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Incoming call - National Bank Fraud Team The caller says: "We've detected suspicious activity. To protect your account, I need to verify your identity."