Cybercrime: Nothing is Missing. Everything is Compromised.

 

Opening Montage

[00:00:00] **Geoff White:** The problem with cyber crime is you've not only been digitally burgled, you have no idea what window they got in and whether they're going to come back tomorrow night and the night after and the night after. Imagine that. Imagine getting burgled and you have no idea how they got in.

[00:00:12] **Geoff White:** We started to see cyber crime gangs get hold of the sort of cyber weapons that the governments use and actually using those to make money.

[00:00:19] **Geoff White:** A lot of them have ended up coming from a video gaming community.

[00:00:22] **[Voiceover]:** Meet Geoff White, the investigative journalist who digs into what really happens after you're hacked. Geoff reports for the BBC, Channel 4 and the Sunday Times.

[00:00:34] **Geoff White:** I have interviewed fraudsters and money launderers the world over. I've chatted online with North Korean spies.

[00:00:41] **Aleksandra King:** So we are talking about a generational industry that's been around arguably 30 years now.

[00:00:47] **Geoff White:** So that's ransomware gangs made more than a billion.

[00:00:50] **Geoff White:** The cost of the wonderful world of tech we live in is that we have to be a bit more suspicious.

[00:00:54] **Aleksandra King:** Everything has its price.

[00:00:55] **Geoff White:** It does.

[00:00:56] **Geoff White:** The company got taken for $625 million, which they transferred out in 1 minute 36 seconds. It is happening. I'm not flamming this up. It is happening.

[00:01:04] **Aleksandra King:** So we all need to know about this. We all need to be aware.

[00:01:06] **Geoff White:** The kind of people I investigate, I do not want them to know where I live.

[00:01:09] **Aleksandra King:** You can find out today, in today's times, you can, I think.

[00:01:11] **Geoff White:** It's quite–

[00:01:12] **Aleksandra King:** Go on then.

[00:01:14] **Geoff White:** Yeah, you can't find out my home address.

[00:01:16] **Aleksandra King:** What's the sort of mindset that's going on here?

[00:01:18] **Geoff White:** It's interesting. I've interviewed various criminals over the years.

[00:01:21] **Aleksandra King:** Out of all the scams, which ones are the hardest to spot?

[00:01:25] **Geoff White:** This is where we get into sort of the AI problem.

[00:01:27] **Geoff White:** The criminals always go after the low-hanging fruit. Just one thing you can do to pull yourself up the tree to those higher branches. They're going to go after the low-hanging fruit and that's not going to be you.

[00:01:36] **Geoff White:** Patience. This idea you have to make a decision now, you have to click on it now, you have to deal with it now.

[00:01:40] **Aleksandra King:** Don't companies want us to make quick decisions?

[00:01:42] **Geoff White:** Yeah. Push back on that. You take your time. Bit of patience, bit of scepticism, that will see us right.

 

Episode

[00:01:51] **Aleksandra King:** It's lovely to have you in the studio. Thank you for coming. When your friends ask– you know, people you meet at a networking event or whatever, at a party, and they go, "What is it that you do?"– you've just explained it beautifully, you know, for our trailer and all that, but what do you say to the average person in the room? What do you do?

[00:02:09] **Geoff White:** Well, that's getting a bit easier nowadays, because increasingly people are victims of frauds, they're victims of computer hacks. A lot of people have either been a victim themselves or know somebody who has. So what I'll do is often say, "Oh, you know those dodgy emails you receive, those dodgy phone calls you get? That's the kind of thing I cover. But I cover the people, the organised crime gangs, who are on the other side of that, who are actually doing it."

[00:02:31] **Aleksandra King:** Who are these people? We need to find– we're going to find out. We're going to find out. So when I was thinking about how to approach this, what questions to ask, I thought, let's just start from– let's look outwards and then go inwards to these baddies and enter their land where they lurk and cause trouble. Okay, so in terms of types of crime, right, cyber crime– how many different types are there? Are there different types, or is it just cyber crime? How do you even categorise this world?

[00:03:03] **Geoff White:** So on the cyber crime side, yeah, you've got roughly speaking three groups of people, very roughly. You've got government hackers. We have them in the UK, they work in places like GCHQ. Got them in the US. Most governments worth their salt have government hackers, have good hackers. So it's allowed and warranted and necessary. And why wouldn't you? You know, your enemies, your adversaries have got secrets, you want to find them out. Those secrets are probably on a computer somewhere. Why wouldn't you hire somebody who can break in and steal them? It's the new face of espionage.

[00:03:34] **Aleksandra King:** So hacking is good?

[00:03:36] **Geoff White:** Can be used for good, depending on your definition of good. So in the UK, you know, we don't want countries to declare war on us or declare war on our allies, so we want to try and stop that. But we also want the UK to do well, so we want the UK to make a decent amount of money, to be a safe place to work. So the government's got a vested interest in having its sort of cyber spies. But you've also of course got organised crime gangs, who've increasingly realised that rather than robbing a bank with a gun and getting maybe 10 years inside, if you can hack into a bank, steal the money, but then never get caught because you're in a different country, that's probably a better way of doing things. So you see an explosion in organised cyber crime. And obviously, you know, you will have your money online, probably in an online banking situation, investments online. Increasingly our finance, our wealth, has shifted online, so the crooks have just followed it there. And the third group I'd point to is sort of what you might call kind of have-a-go hackers, sort of what you might call bedroom hackers. These people, activist hackers. So these are folks who are generally younger, generally male, it has to be said, who like a challenge. They often come from the video gaming community and they end up in the shallow end of computer hacking. Those people are probably less technically skilled than the government hackers, but they know exactly how to run a hack, they know how to do maximum damage, they know how to do PR damage to a victim, to really embarrass them. And so that's what those activist hackers are extremely good at.

[00:04:58] **Aleksandra King:** Wow.

[00:04:59] **Geoff White:** What we start to see is these three groups used to be sort of separate, and we're starting to see them increasingly come together. So we're starting to see governments looking at what the activist guys are doing and thinking, well, that's quite good, we can borrow from that. We've started to see cyber crime gangs get hold of the sort of cyber weapons that the governments use and actually using those to make money. So we're starting to see a blending of those three different groups, and that's why cyber crime is so big now. It's a different scene.

[00:05:22] **Aleksandra King:** No wonder they need you to investigate all this. Goodness me. So these– what are they called again? Hacker– the activists, the activist hackers? I haven't heard this term before.

[00:05:33] **Geoff White:** Activist hackers, basically. Yeah, activist hackers.

[00:05:35] **Aleksandra King:** So they're sitting around, they're almost like lone snipers and they're doing their thing, but what are they? Very, very good programmers, or what is their skill?

[00:05:43] **Geoff White:** Yes. So a lot of young people live their lives online, and in the video gaming community particularly, these people will be spending hours and hours of their time online.

[00:05:53] **Aleksandra King:** Totally.

[00:05:54] **Geoff White:** The thing about video games that's interesting is it teaches you to think from the left field, think around corners. So in every video game there'll be something you can do your opponent's not expecting. Sometimes the video game makers program that in– if you press three buttons at once in a particular order, suddenly you can fly or you can walk through walls. Constantly thinking, what's the thing that they haven't thought of? How do I think around the corners here? That's perfect preparation for hacking. You want to hack into an organisation, you want to win, you want to get in and you want to use different tactics and think of the thing they haven't thought of. Maybe this victim has built their website in a way that if I type in some commands they're not expecting, the website will crash– but crash in a way that makes all of their data available. So video gamers and hackers have this kind of symbiotic relationship. Most of the hackers I've met– hackers on the good side, but also hackers on the bad side– a lot of them have ended up coming from a video gaming community. Video games seem to prepare these people for a life of hacking.

[00:07:00] **Aleksandra King:** Interesting. You could probably say the same thing about chess, although I wonder how many of them are– well, they're probably chess.com.

[00:07:06] **Geoff White:** Yes. Chess. Also lockpicking. There's a big lockpicking crossover, because learning how to pick a lock is actually quite similar to learning how to break into computer networks. Like, okay, I've got through that bit, I've got through that bit, there's certain things you do in lockpicking. So there's a big lockpicking hacker kind of crossover as well, strangely enough.

[00:07:21] **Aleksandra King:** It's just a shame when it's used for evil.

[00:07:23] **Geoff White:** But okay, it doesn't always have to be evil, because you can– yeah, governments use it to protect us. So it's not all bad. But there is a lot of bad.

[00:07:30] **Aleksandra King:** And we'll get into it. So in terms of– so what are the types? So we've got the groups, and I suppose the question was, what are the types of cyber crime? How can we categorise the different groups of it? I mean, we know more or less, like, these phishing emails, right? So emails made to look like they come from your bank but they're really not, and they're very hard to spot. And what else? How would you categorise them?

[00:07:56] **Geoff White:** There's various sort of phenomena in the cyber crime world. The one that's big– by the way, that's making huge amounts of money and that really keeps a lot of cyber crime afloat– is this thing ransomware, which you'll have heard of in the news. It's been big news in the UK recently. Marks and Spencer's obviously fell victim to this. It's delightfully easy to explain ransomware, which is one of the few good things about it. A hacker breaks into your computer, scrambles all your files and charges you a ransom to unscramble them. It's just blackmail, it's as simple as that.

[00:08:23] **Aleksandra King:** Harsh.

[00:08:24] **Geoff White:** Exactly. Harsh, harsh. But if you can get in, it's the most direct way really to target a victim. You know, you get access to their networks, you don't have to think much about what to do next. You go, right, let's scramble the data and just blackmail them. It's a very front-end, straightforward thing. That's making hundreds of millions. In fact, ransomware had its first billion-dollar year a couple of years ago. So ransomware gangs made more than a billion. And by the way, that's a conservative estimate, that's just the ransoms we know about.

[00:08:52] **Aleksandra King:** Yeah, but I mean, I was taught never negotiate with someone that's blackmailing. I don't know, like, well, they do it once, they do it again, you'll just– you'll get out of it, they'll just re-blackmail you.

[00:09:03] **Geoff White:** They will retarget you, yeah. And also, yes, you're right, we really shouldn't negotiate with criminals, we really shouldn't pay ransoms. But if your entire business was going to go under within 3 days unless you paid, and the amount that they're charging you is maybe 10% of your revenues, because they probably know what you're able–

[00:09:21] **Aleksandra King:** They do.

[00:09:22] **Geoff White:** They definitely know. They've hacked into your systems. And often what they'll do is they'll look at your revenue, they might, if you're a public company, look at your market capitalisation. And the other thing they might do is look at your insurance certificate, because if you've got insurance against a cyber attack, they can say, you're insured for a million, we know you can pay a million, the ransom's a million.

[00:09:39] **Aleksandra King:** Oh, awful.

[00:09:40] **Geoff White:** Yeah. And so a lot of victims do end up paying. It's an awful decision. There is no good outcome to this.

[00:09:46] **Aleksandra King:** Okay, so that's one terrible bucket. What else is there?

[00:09:48] **Geoff White:** The other thing is obviously trying to get hold of people's passwords. Passwords are the awful thing that we put in the internet in the beginning, that we still have, that we probably should have designed a better solution, but it's too late now. You will have many passwords to your different things. So as soon as you're trying to get hold of people's passwords– people break in, they steal this valuable data. As soon as I've got somebody's password, that's a great way in. So I can then get access maybe to their online banking, maybe get access to their email. And once I'm inside somebody's email, it's a treasure trove of information. If you think about all the stuff you've sent to people over the years, you will have, you know, maybe applied for a mortgage– that's all of your bank details. And also if I want to use that to impersonate you, well, I've got everything about you that I need to impersonate you. I can phone up your bank and every question they ask me to clear security, well, I know the answer, because it's probably in your emails somewhere. So taking over somebody's identity, I can then apply maybe for some loans, for some credit cards, using that. But the other thing is, even if I don't know how to do this, even if I get lucky, Aleksandra, I guess your password and then I break into your inbox and I'm like, I've no idea what to do with this, I can sell that access to somebody else who knows exactly what to do with it. There's a huge marketplace for people buying and selling this kind of personal data.

[00:10:59] **Aleksandra King:** Gosh. Any other buckets of evil?

[00:11:04] **Geoff White:** The other thing that's interesting is the crossover between cyber crime and fraud. So in my world those are treated as two separate things, it's often two teams of people who will try and defend against those things. But what I see is the cyber crime and the fraud sort of coming together. I mean, when somebody sends you a phishing email and says, you know, your Amazon delivery is late or your tax is overdue, click here, and you click and then you have to enter your password– well, that's kind of a cyber attack, but it's also kind of a fraud, because it's like somebody coming to your door and saying, I'm from British Gas.

[00:11:35] **Aleksandra King:** You know, I need to check. It's deception, it's dishonest.

[00:11:38] **Geoff White:** Yeah, exactly. So you see this crossover between cyber crime and fraud. And so one of the other things that's big, and actually I think is making more money than ransomware, is what's called business email compromise, which is a horrible phrase, but it's the phrase.

[00:11:50] **Aleksandra King:** Let's listen to this.

[00:11:51] **Geoff White:** The way this works is, I would phone up– let's say you're a big business. I phone up your accounts department and I say, hello, I'm calling from company X, we supply your, I don't know, paper or toiletries or whatever. You usually pay us into this bank account, but we've now changed bank accounts, here's our new bank details. So the next time you pay us, please pay us into this new bank account. Of course, I'm a fraudster and the account number I've just given is my own account, or one of my accomplices' accounts. So the business, time comes to pay the invoice, it's £100,000 or whatever, they pay into the new bank account. And then it takes a couple of weeks for the real supplier to come along and say, you haven't paid us this month. And of course the victim company says, yes we paid you, we paid you into your new bank account. And the supplier says, what new bank account? And suddenly they work out– it's been two weeks, the money has just gone. That makes billions of dollars for crime gangs every year. But again, is it a cyber crime or is it a fraud? But it's sort of done often via email, but equally it can be done by somebody who's phoning up. And there's loads of different permutations on this. There's CEO fraud, where a gang will contact a company, maybe the finance director, and say, I'm the CEO, you know, we've got to authorise this payment, I'm on holiday. Of course, CEOs like everybody else, they put on social media, you know, their trip to the Virgin Islands or whatever. The hackers look for that, the fraudsters look for that, and think, ah, the CEO is away, I will phone up the company pretending to be them. You can use deep fake software to do this now, you can impersonate somebody's voice.

[00:13:20] **Aleksandra King:** Yes, you can. And I've heard of things like this. I have heard of it very close to home.

[00:13:23] **Geoff White:** Yeah. Tens of millions has been taken out of companies.

[00:13:26] **Aleksandra King:** Shivers.

[00:13:26] **Geoff White:** So that's the other one that's sort of making money. But what's interesting is, you know, you can spend tens of thousands of quid of your company's money trying to defend against this, but ultimately it's about people understanding that this can happen. Everybody in your company, if you run a big company, needs to know that if they get a phone call from somebody out of the blue– even these days a video call– and it involves money, think twice.

[00:13:50] **Aleksandra King:** Yeah, anything to do with money.

[00:13:51] **Geoff White:** Yeah, anything to do with money.

[00:13:53] **Aleksandra King:** Yeah, but it's not just– is it? It could be at the pretext of pretending to be relationships and then it's to swindle money. That's always something.

[00:14:01] **Geoff White:** Yeah, the romance fraud element.

[00:14:02] **Aleksandra King:** The romance one. Any other buckets that we need to know about?

[00:14:05] **Geoff White:** Well, since we're mentioning romance fraud, obviously that's a big issue. What they call elder fraud in the US. Classic tactics: somebody's on one of these dating apps, gets chatted up by somebody, you know, beautiful or handsome, and then there's this long story told, and previously it would have ended up with a, well, I need some money to help me out of this situation. That still goes on, romance fraud still goes on. What's happening now is it's being crossed over with investment fraud.

[00:14:30] **Aleksandra King:** Okay.

[00:14:31] **Geoff White:** Cryptocurrency, as you know, has surged. And so what the scam becomes is they contact you kind of from a romance fraud perspective. You might have had this on WhatsApp, as a random message from somebody saying, oh, is that Kathy? Or John? And when you reply and say, no it isn't, they come back, say, oh sorry, but how's your day going? And they get you into conversation. Surprisingly effective, this. This really works, because of course the profile photo is beautiful, the person is friendly, and they just get chatting to you, and there might be a bit of flirting. But in the end they'll say, I'm just jetting off, you know, to Dubai, business class, I'm booked into the Marriott there, you know, obviously got the suite. And then you start to think, well, how are you making this money? And they say, oh, crypto investment, I've got a really good tip and I'm making loads of money. So it starts out with a flirty romance thing but it ends up with an investment fraud, crypto fraud thing. That's making loads of money.

[00:15:20] **Aleksandra King:** Do you know what, it must really be beneficial if you're one of those people that's just not very trusting. There's like a life hack.

[00:15:26] **Geoff White:** Yeah, just don't–

[00:15:27] **Aleksandra King:** Yeah, man, just don't trust anyone that's talking about money to you. And anyone that's also– anyone that's flaunting money in that way is a red flag anyway.

[00:15:35] **Geoff White:** But can be, yeah.

[00:15:36] **Aleksandra King:** Dodgy. I don't like it. So in terms of region– so we know about the different groups or the individuals sitting in the little rooms being, you know, conjuring up all these evil things. And then we've spoken about the types. What about regions? You know, some more active in doing the bad side of it? How does that look globally?

[00:16:01] **Geoff White:** In terms of government hacking, pretty much every government worth its salt is hiring government hackers. Obviously wealthier countries like the UK, the US, European countries, western European countries particularly, can just afford to pay more money to, you know, hacking teams. However, there'll be hacking teams in poorer countries, you know, Pakistan, Bangladesh for example, you know, Brazil, Colombia. You know, they will be hiring people and they will be skilful operatives. So every government is trying to sort of work out what the other governments are doing. So in terms of regions on a government level, it's going to be the classic, you know, America wants to know what China's up to, China wants to know what Russia's up to, you know, the big players. And then the smaller players around the edge trying to get in. So that shouldn't really surprise us. In terms of the cyber crime side of it, the sort of organised crime side of it, we know it's a big nexus around the Russian Federation. After the fall of the Berlin Wall there was an explosion among a minority, but a significant minority, in Russia who were looking for credit card information, online banking information. And those are the guys who are now doing ransomware. So they've evolved.

[00:17:07] **Aleksandra King:** Interesting. So we are talking about a generational industry that's been around arguably 30 years now. Knowledge is being passed and shared. Generational. And they're evolving and they're getting better.

[00:17:18] **Geoff White:** If you can survive– if you can survive in crime for decades, you learn. You learn how to do things right, you learn how to avoid prison, you learn the things you did wrong. So these are very experienced folks. A lot of the ransomware is coming out of that sort of territory. But what's interesting is these ransomware gangs have created a kind of affiliate network. So effectively anybody can sign up now as a ransomware operative. They will effectively loan you the ransomware virus, you then go and infect a victim, if the victim pays up you get 80% and 20% kicks back to the ransomware.

[00:17:50] **Aleksandra King:** It's proper business, yeah. Movement going on. It's like Starbucks, Burger King, McDonald's, yeah. Business practice.

[00:17:57] **Geoff White:** Yeah. Whilst the ransomware gangs and virus writers largely, we think, are based in the Russian Federation, the people who use that ransomware could be anywhere. They will be distributed around the world. So we start to see the sort of federations, affiliate networks being created around the cyber crime side. In the fraud side there has been a big nexus around West Africa. There is a cliché about Nigerian fraud gangs. Unfortunately there is truth in that cliché. Okay, look, vast majority of people living in Nigeria have nothing to do with this, but again, tiny minority but significant minority around West Africa, Ghana, Nigeria, have pioneered a lot of those romance fraud tactics.

[00:18:33] **Aleksandra King:** Yes, for sure. It's famous now.

[00:18:35] **Geoff White:** What we're now seeing is in Southeast Asia, the gangs around places like Myanmar, Laos, Cambodia, in the Philippines, setting up operations to do this thing we talked about earlier, this romance fraud, investment fraud mix. So that's all coming from those Southeast Asian networks. However, we're starting to see those spread around. They're springing up in the Middle East, in South America and so on. Because these tactics, once they succeed, other criminals look and go, well, that's a great idea, I'm going to do that. And you can just set up shop. You need some phones, internet access, some employees, but there's no reason why you can't set up one of these operations. So in terms of regions, you can say some things about where the regions are and what's going on, but increasingly we're looking at an increasingly globalised picture.

[00:19:20] **Aleksandra King:** Oh, there's some parts of the world that are better at protecting themselves than others. I would say the US probably is really good. Or how does the UK stand?

[00:19:27] **Geoff White:** The UK and the US obviously have quite a lot of money to throw at cyber defence and cyber security. On the other hand, they also have a lot of money. You know, if you talk about who's going after who in terms of crime, poorer people go after richer people, so that's always the flow of traffic. However, the richer folks have, in the US, in the UK, western Europe, probably more money to put into cyber security. They also have a lot of cyber security companies, because of course rich, powerful western companies want to get protection. So company X sets up and says, oh, I'll sell you some software that will stop this ransomware, you know. So you get this industry sort of evolving. So definitely in terms of the defence side, the richer countries will have more money to spend on defence, but conversely will also be more of a target for those gangs.

[00:20:10] **Aleksandra King:** Yeah. But in a way that's why you need it. It's like being a celebrity and you need your bodyguard to walk around with you. Yeah, and they might get through the gates, but then you need some sort of added security. So you might need that. I, at my level of fame, do not.

[00:20:23] **Geoff White:** So you would have to pay money for that.

[00:20:24] **Aleksandra King:** I would not have to pay money for this.

[00:20:26] **Geoff White:** It's interesting, the more profile you get, the richer you get, the more you have to spend of it on defence. And companies get caught out often because– I don't know about you, I suspect that in the boardroom conversations, if you're making money, it's going really well, you want to spend money, you want to hire talent, you want to hire some offices, do some more marketing. If you put your hand up and say, can we take 10% of that and spend it on cyber security, I don't think that's going to be a very popular conversation, because around the table people think, yeah, we could spend that money on other stuff. So again, companies tend to fall behind on their defensive spending, because it's defensive spending, doesn't hit the bottom line, it's not exciting.

[00:21:03] **Aleksandra King:** Yeah, and it doesn't make profit, like cyber security defence spending. So, well, how's that going to make us a profit?

[00:21:08] **Geoff White:** And the argument is, well, it'll stop us losing a shitload of money. But that's not the same as saying it will make–

[00:21:13] **Aleksandra King:** Exactly, you see what I mean? It's not attractive as a profit. Okay, so now let's go into this now. So who's like the ultimate prize target? Who's their favourite kind? Well, obviously we have the different types, but out of all those types and all those things, who's like the best of the best for them to target? In terms of sort of organised crime gangs going after whoever, whoever of the groups, whoever of the targets, what's the favourite?

[00:21:38] **Geoff White:** Back in the old days it used to be the case that you were going after the most senior people. So if you're doing espionage, if you're doing crime, you wanted to hit the boss, because the boss had the access, they have the passwords, they have the keys to the safe. It's the bank manager who's going to have the keys to the vault, right? So you have to get to the bank manager. So that's previously how it's gone. These days that's not quite so much the case. If you think of most organisations, most employees will have access to like the shared drive, the SharePoint or whatever you use, OneDrive, whatever you use. And that's brilliant, because everybody can work on projects together.

[00:22:12] **Aleksandra King:** Sure.

[00:22:13] **Geoff White:** But what that means is it's no longer so much the case that there's the one senior person in the organisation who has the key. Increasingly lots of people have the keys. And so for hackers, yes, getting through to the chief executive or the finance director is good, for government spies getting through to the head of MI5 or MI6 or, you know, the CIA might be good, but frankly anywhere you can get in is worth having a go. Because if you can get onto one person's machine, they might have access to the stuff you need. And even if they don't, if you can get access to that one person's machine and send an email from their machine to somebody more senior saying, oh, here's this document, could you click on it– yeah, you get access. You're more likely as a senior person to click okay on something that's come from your own organisation than some hacker who sent it from a Gmail.

[00:22:54] **Aleksandra King:** So again, are we saying it's corporate crime? That's the favourite? In a way it's getting into these companies that have these banks of money and whatever information. Well, money.

[00:23:06] **Geoff White:** Yeah, that's what they want, is money.

[00:23:07] **Aleksandra King:** So it is corporate crime, that's the number one thing.

[00:23:10] **Geoff White:** Corporate crime is definitely surging at the moment. We've seen ransomware attacks and business email compromise attacks at large targets. However, the other end of the marketplace is what you might call the spray and pray attacks. So you're trying to trick people into downloading a virus that hits their machine, you send out a million emails to people, you know a lot of them aren't going to even look at the email, let alone click on it, tiny percentage do. But as long as that tiny percentage infect their computers, then you can sell access on. So there's the sort of what you might call big game hunters at one end, who are going after, you know, the VWs of this world, the M&S's of this world, you know, the big organisations. At the other end you've got people who are basically trying to hit everybody and sort it out.

[00:23:56] **Aleksandra King:** Just hit anyone. Because I'm just wondering, curious– so people watching us now, just a regular person watching, you know, they have a nice job, they lead their life, they're not causing trouble for anyone. How much are they a target? Like, I'm sure they've all received a phishing email or something like that, but how much are they being targeted?

[00:24:13] **Geoff White:** At the heavy end, when we talk about the big game hunting, the people who are going after these really big juicy targets, frankly, if you're a junior employee in a big organisation, you might get targeted, you might get phishing emails. But if I'm working on a big target as a hacker or as a fraudster, I want to kind of narrow down my fire to the people who are really going to get me access and really going to get me the big bucks. However, in general life, in our daily life, just as individuals outside of work, we're all constantly inundated with these phishing emails.

[00:24:41] **Aleksandra King:** Hacking emails. Phish being sent.

[00:24:44] **Geoff White:** Exactly. We're constantly, you know, got people trying to send us text messages saying your delivery's overdue. So you've got the two levels. There's the what's called spear phishing attacks, where you're going to a particular target, but you've also got the sort of spray and pray attacks.

[00:24:56] **Aleksandra King:** Yeah, got things from pretending to be the bank, or like this one in my spam. This Tristan person who's been made for years, Tristan, saying, oh, these are the photos, click here to see the latest ones or something like that. All these weird silly things. Or like, oh mum, it's me, can you reply? Like, you think, you know. Or hi, hey. Of course there's DMs and things, you know. But it's a lot. I think the regular person is getting a lot. I mean, my parents get it, elderly parents, they get all sorts of things, phone calls, pressure. And you just think, well, listen, well, anything with money or anything suspicious. Actually everything you receive is suspicious. Yes, everything shouldn't be trusted, which is crazy.

[00:25:36] **Geoff White:** There's an element of that, yeah.

[00:25:37] **Aleksandra King:** It's a bit of a depressing–

[00:25:38] **Geoff White:** We'll come to this maybe at the end, but it's okay– no, we have– life is absolutely amazing in the 2020s, in the 21st century. And I know saying this at this time in history, probably. But look, I mean, the stuff we've got: mobile phones, electric cars, laptops, central heating. Life is immeasurably better than it has been for many thousands of years arguably in human history, and part of that's technology. It's great technology. The flip side of that unfortunately is the fact that everybody's able to communicate with everybody everywhere around the world, pretty much all the time, is brilliant, it's amazing. It also means that bad people can use that communication. So unfortunately it's the cost, the cost of the wonderful world of tech we live in is that we have to be a bit more suspicious, take our time a bit more.

[00:26:23] **Aleksandra King:** Everything has its price.

[00:26:25] **Geoff White:** It does.

[00:26:25] **Aleksandra King:** But in a way you can get the leg up, whereas if you know that they're doing all this sinister stuff, then you adapt, you know. We also adapt, that both sides will adapt in order to balance out, I guess.

[00:26:35] **Geoff White:** Precisely, yeah.

[00:26:37] **Aleksandra King:** So the whole thing. Okay, so let's just say they're planning a cyber attack, okay, on a big company, and it's already in work. What's sort of been going on behind the scenes?

[00:26:50] **Geoff White:** First thing you need is research. There's a lot of parallels actually between the way organised cyber crime happens and the way just organisations work. Let's compare this to you wanting to take over another business. You know, you want to do a hostile takeover or semi-hostile takeover. First thing you do is you research. You want due diligence on this. How many employees, where are they, what roles, what are they earning, what are their email addresses, what's the market value of the company, where are they based, offices, all of that. And actually I've seen cyber crime gangs actually pay researchers to go out and just do that research, like you would pay a corporate due diligence company. Just find everything about this company. And what you're looking for– and this is the interesting thing, people get obsessed with cyber crime and technology– actually it starts with processes, business process. Put this company on a sheet. You can get a sheet of paper and just write it down. Right, here's this company, CEO there, the board here, the finance director. You start to draw the linkages, and what you're looking for is the bits where value is moving in that organisation. And when I say value, you think about money and bank balances, yeah, could be that, or it could be valuable information. This company turns out has a load of data about mental health, people's mental health, maybe it's a psychology company, or they have loads of information on people's credit cards, for example. So there's the money I can look at, but there's also value being stored in organisations. What's valuable in that organisation? Great. Now I've got some options. I've mapped out the organisation, I can see where value is, money maybe or sensitive data. Right, now where does that stuff, that information, the money, where is it moving between in the organisation? Does it move from department to department? Who's in charge of that? Who's the person who actually owns that database? That's the person. Right, now I want their email address, their phone number, their home phone number, their work phone number. I can go after them. Because I know if I get that person's password, that entire database of credit card data, let's say, will be mine. So there's a lot of reconnaissance goes on before the actual eventual phishing attack.

[00:28:48] **Aleksandra King:** Oh, they do their research properly, don't they?

[00:28:50] **Geoff White:** They do. And what this means is when the message arrives, the phishing message arrives, it isn't a kind of click here to see funny photos or click here for penis enlargement, it's more targeted. Oh, you know, the classic car show you were at last week, and we're doing another one in the future, we're offering free tickets to valued members, click here to claim that offer. The other thing that's happening is it used to be a one-and-done effort. They would send you a phishing email, if it worked it worked, if it didn't, boo hoo. These days there's a lot more effort goes into– if you've got a million pound payday at the end of it, you've got to put some effort into this. So you might send your message on LinkedIn first of all. And that's useful, because you look at LinkedIn and it's not your work email address, so your workplace doesn't control your LinkedIn security, that's you, that's your personal LinkedIn. So I send you a message there and say, I loved, Aleksandra, what you did with the podcast, it was great, you know, got a few guest ideas for you, can I message on WhatsApp? So now they've got your LinkedIn, your WhatsApp. I'd love to give you a call about this, you know. But obviously I don't want to use your work email because it's a personal– have you got a personal email address? Or I got a bounce back from your work email, have you got another email address that I can use? I'm trying to get as many contacts for you as I can, and I'm trying to contact you in many different ways, to work up the trust. So finally when I'm ready to send you the virus that's going to really kill you off, I know exactly how to send it, because I know that your home laptop is less defended than your work laptop, and I know exactly what lure you're going to respond to. And you're going to respond to me because I've already built the trust with you. So it's a long-term exercise.

[00:30:17] **Aleksandra King:** Oh, it's violating.

[00:30:19] **Geoff White:** I know, but it might take me 6 months to do this. But if I take you for a million, how many years' worth of pay is that for me? You know what I mean? It's worth me putting in the effort if I know I'm going to get the result at the other end.

[00:30:31] **Aleksandra King:** Oh, it's horrible.

[00:30:32] **Geoff White:** Sorry about this, but you need to know. I mean, this is the game, you know. You need to know what the game is.

[00:30:35] **Aleksandra King:** Knowledge is power.

[00:30:37] **Geoff White:** Aleksandra.

[00:30:37] **Aleksandra King:** No, no, I speak to a lot of people, I have so many LinkedIn conversations, obviously there's guests, I mean, you know. Oh yeah, okay. It's just disturbing, that's all. Sorry.

[00:30:48] **Geoff White:** No, no, no.

[00:30:48] **Aleksandra King:** I want you to say– we all need to know about this, we all need to be aware. We've brought you on so you can open our eyes.

[00:30:54] **Geoff White:** And it is happening. I'm not flamming this up, it is happening. It is literally happening. And one of the organisations I spoke to, they had a hacker broke in, the hacker again did exactly what I've described. What I described is not cloud cuckoo land, it's not theory. They found a software developer in this company that they knew, if they got hold of that software developer and hacked them, they could hack the whole company. So they offered the software developer a job.

[00:31:18] **Aleksandra King:** Which is brilliant.

[00:31:19] **Geoff White:** Like, oh, this job's great for you, mate, loads of perks, great salary. And of course it was great, because they'd made the job up, to attract this person. They did four video interviews with this person for a job that didn't exist, by the end of which of course this person's convinced there's a job there. And so when the final thing comes to say, just one last thing, in this job you're being hired for they use this particular kind of software, we need to just check you can do this, click here to download the software and we'll test you. You click to download the software.

[00:31:50] **Aleksandra King:** It's really– yeah, it seems quite– because I was going to say, there's no ways if it's something about money or, you would just completely say no. But that isn't– that's legit.

[00:31:57] **Geoff White:** And of course the brilliant thing about this scheme was that the employee who fell for this, even if they figured out that they'd been hacked, are they going to go back to their employer and say, boss, I got hacked, I'm really sorry, because I was applying for this job and they interviewed–

[00:32:12] **Aleksandra King:** Yeah, well, you're applying for a job, you see.

[00:32:17] **Geoff White:** So job hacking, recruitment hacking, is a brilliant way of doing it, because lots of people are not going to confess to their employer that they were trying to find a job. It's a great way of keeping under the radar. And that happened, and you know, the company got taken for $625 million, at the time one of the biggest hacks of all time.

[00:32:34] **Aleksandra King:** Okay.

[00:32:34] **Geoff White:** Which they transferred out in 1 minute 36 seconds.

[00:32:37] **Aleksandra King:** But how could that software developer have protected himself? I mean, you know, you will be looking for jobs, you will be speaking to recruiters, you will be doing online video interviews. It's just the download link, yeah.

[00:32:50] **Geoff White:** I suppose it's suspicion, unfortunately. It's suspicion. And the awful thing about this is enduring suspicion. Getting approached about a job out of the blue, you might want to be suspicious about that, you probably should be suspicious about that, because if that person's going to use that to send you a virus, you know, via email, that's bad. But with this there was trust building went on, more interviews, more work. We as human beings want trust. Not trusting people is quite taxing psychologically. Having a guard up all the time is quite an effort. So as human beings we're sort of engineered to, as we trust people, to let our guard down, because it saves us brain energy.

[00:33:26] **Aleksandra King:** Listen, did you watch that Meet the Fockers? Did you ever watch, many years ago?

[00:33:32] **Geoff White:** Yeah.

[00:33:32] **Aleksandra King:** Do you remember that circle of trust?

[00:33:34] **Geoff White:** Yes, it's small.

[00:33:36] **Aleksandra King:** That's it, really.

[00:33:37] **Geoff White:** So unfortunately again one of the costs of modern life is remaining suspicious and keeping a level of suspicion all the way along. Even as you start to trust somebody, still having in the back of your mind the fact of, I just heard from this person out of the blue six weeks ago and now they're asking me to download this thing or to make this transfer. It's just that tiny bit of suspicion that unfortunately we need.

[00:33:58] **Aleksandra King:** I've said to my parents, and this is kind of what I follow, is obviously with money, anyone pressuring you, money, anything with money is immediately like something you shouldn't trust. Like, immediately red flags. But also anything download, click here, is also completely red flag. Is there anything else easy peasy that you can give us to help us?

[00:34:16] **Geoff White:** I think that's really good advice. Yeah, anybody asks about money, yep. Any request online to download anything or click anything. But also time pressure is the thing. A lot of cyber crime that's targeting vulnerable people, elderly people, individuals in general, there's always this time pressure. You know, your tax is overdue, your delivery's out but we need to get this sorted. Time pressure. Anything where there's time pressure. There's very few things in life where you have to respond immediately. And again I think one of the things we can learn is there's this scheme, Take Five, in the UK. Just take 5 seconds, just count for 5 seconds, maybe go make a cup of tea or coffee, and just have a think about that. Yeah, we need to slow down. The technology companies are getting us to speed up, you know, respond to this now, click on this now, notifications now, buy now, buy now. We need to push back and slow ourselves down so we can engage the better bits of our brain that might spot the scam.

[00:35:07] **Aleksandra King:** I think the one that you just made me think of it now, but shopping, shopping online, buying things, that's when you are clicking on things a lot. And maybe you're not downloading anything but you have to click to open, and those can get infected. But so it's quite tricky, because you trust your Amazons, you trust your whatever, wherever you shop, your clothing retailers, whatever.

[00:35:26] **Geoff White:** Yeah.

[00:35:27] **Aleksandra King:** But I suppose you just go to the website that you know and you just follow that, and you don't buy off unknown sites.

[00:35:35] **Geoff White:** Yes, yeah. So going to respected sort of outlets, and also going to the website address, you know, this whole thing of redirecting people to a website that might look like Amazon or eBay or whatever. You know, if in doubt, type in www.ebay.co.uk. You know, don't necessarily click on the link that takes you to something that looks like eBay.

[00:35:54] **Aleksandra King:** I mean, but even when you do shop at reputable retailers– I mean, I had something the other day, I bought some clothes at Sweaty Betty in Beaconsfield, in Buckinghamshire, you know, as you do. I just bought some clothing, and then I get an email saying, sorry, we've been hacked, you know, blah blah blah. And, okay, interesting.

[00:36:11] **Geoff White:** Yeah, they've been hacked.

[00:36:12] **Aleksandra King:** Yeah.

[00:36:13] **Geoff White:** And this is the thing. There is this awful thing where companies get announced– companies announce hacks quite a lot, and there's this thing for the consumers of, what do I do?

[00:36:23] **Aleksandra King:** Yeah, what do you do?

[00:36:24] **Geoff White:** I don't have a clear answer to that, because one of the things that's frustrating is there are different types of hacks. So for example a company might get hit with ransomware, the hackers have scrambled all their data. Well, as a consumer it affects you because you can no longer use that service, because their computers are all scrambled, but doesn't really affect you in terms of your personal data. But some ransomware gangs will steal data as well as scrambling it. So in that case the company says, well, we've been hit by ransomware, our computers are down, but also we've lost your email address, Aleksandra, and your password you used on this site. So that's an issue for you. Sometimes they will break in, they will steal a password, but it's scrambled, it's encrypted, so you might think, well, an encrypted password can't help them much. But sometimes they might have got hold of email address, home address or bank account number. So I think organisations just need to do a lot better job of, when they contact people, being as clear as they possibly can about what's gone missing and also what they expect customers to do about that. You know, if your password for Sweaty Betty has been leaked or hacked or whatever, fine, you can change your password. If you use that password for all the other sites, you've got to change it on all of the other sites. That's different to them contacting you and saying they've got your credit card, they've got your home address. See what I mean? Understanding what's happened.

[00:37:39] **Aleksandra King:** What will they do with your home address?

[00:37:42] **Geoff White:** They've got data about you that they can potentially use to impersonate your identity. So once they've got your home address, if I'm asked to fill in the postcode as part of sort of identity check, I know what your postcode is. In extremis, you can know most people's postcodes, I mean, it's quite easy to do. It's not a brilliant thing to do, to steal somebody's home address, but it's just an extra piece of data that the hackers might want. And also for me frankly, I'm more bothered about my home address than I am about my credit card. I can get a new credit card, can't move home. And the kind of people I investigate, I do not want them to know where I live.

[00:38:14] **Aleksandra King:** Yeah, I don't want anyone to know. So there's a hack?

[00:38:18] **Geoff White:** You can find out, though. You can find out today, in today's times.

[00:38:20] **Aleksandra King:** You can, I think.

[00:38:21] **Geoff White:** It's quite–

[00:38:22] **Aleksandra King:** Go on then.

[00:38:24] **Geoff White:** Yeah, you can't find out my home address. No, no. So this thing– yes, you're right, for a lot of people home address might not seem to be the most critical thing, but actually there is for some people, particularly people like myself, a real risk in that the home address– hilariously, the BBC was involved. They weren't directly hacked but a supplier of theirs was hacked a few years ago. Okay. And what this meant was that very sensitive records of BBC employees, there was a risk to that, some details went missing. So of course I phoned up and said, look, you know, I investigate North Korean hackers and Russian cyber criminals, I don't really want my address to be out on the internet. And so they said, that's fine, the BBC were very good, they put me in touch with the HR and the security people. And I said, right, so what address have you got on file for me, because that's the main thing. Hilariously, because the BBC is such a bureaucratic organisation, they didn't have my current address or my previous one, they had the one before that. Okay, so I thought, that's great, you know, if some North Korean agent turns up, he's going to go to some house in Leeds and then knock at the door, hello, it's Mr Geoff here, you know.

[00:39:23] **Aleksandra King:** Yeah, so I mean, we're laughing, but I had a private investigator on here the other day who said, look, it's worth knowing what your social footprint is, you know, online, what you've done over the years, what you might not remember, or mistakenly or whatever. So they have these programs, apps, whatever, that you can use to check your data, because a lot of employers are going to look at your social footprint.

[00:39:48] **Geoff White:** Yeah, have a little look. I mean, some people are more prominent on social media than others, but yes, it's a good way to check it. You can check it yourself and you can check your credit rating.

[00:39:57] **Aleksandra King:** So, but can you check– could you do like a little search and say, what places have my address? Is there anything like that that checks it, do you know?

[00:40:05] **Geoff White:** That I don't know.

[00:40:06] **Aleksandra King:** It would be good to, if whoever's thinking of creating– I mean, that would be good, just to see if it's been somehow compromised, and then you can remove it somehow, or pay to, I don't know.

[00:40:17] **Geoff White:** I don't know if this helps, but the way I run it is I have a public profile and a personal profile. My public profile, as well, you know, because you managed to contact me, is very, very big. You go on the internet, you will see my mobile number, my email address, loads of videos of me, you'll see tons of stuff about me. And I know that my work inbox is somewhere that anybody can get to. It's like having a front door that opens onto the street, anybody can shove anything through the letter box there. My mobile number, any texts I get, I know this could be anyone on the internet. So I know that I've got this big public profile where anybody can contact me, they can see loads of stuff. I do have a private life and a personal life, and I try and keep that as small and as contained as possible. So what that means is on my personal phone, my personal inbox, yes, I'm aware that there's risks there, but it's far less risky than my public persona. I don't know if that helps, but I think maybe it might help people to think, right, here's my public, here's everything that's public, I'm going to put that all over there, that's going to be out, at least I know there's someone emails me on that email address, it's out there. And then I'm going to have a private thing that's just for me.

[00:41:20] **Aleksandra King:** In your case you're talking about separate laptops, separate phones, separate internet connection. It's completely hived off.

[00:41:26] **Geoff White:** Oh yeah, absolutely.

[00:41:27] **Aleksandra King:** Everything is firewalled. You are taking things to another level here.

[00:41:30] **Geoff White:** If it goes wrong, if it goes bang in my public life, which it might well do, I can burn all that and replace it. I can't move house, I can't, you know, ditch my family, I can't get a new bank account, you know. So I have to silo off the personal and keep that extremely separate in a little box over here, and then I have this big public profile over there. And my hope is if people attack me they'll go for the public profile, because the private profile is very hard to find.

[00:41:53] **Aleksandra King:** Wow. And you've done that because obviously you've seen what you've seen and you know how easily they can come in and destroy your life and steal your information, everything. So literally separate internet, separate– I mean, I have a separate email, I have my personal email, I have my work email, sometimes they do merge, as they do, but yeah. But I didn't think of that, yeah. Separate email, completely separate laptop, separate. It's heavy end.

[00:42:17] **Geoff White:** But you know, also I think actually there's an argument to do this from a corporate point of view. If you work for a company and you have a phone and a laptop, which most people do, yeah, that should just be work stuff. You shouldn't be doing personal stuff on there, partly because if your company gets hacked, you don't want the hacker to get into your personal stuff as a personal person, but also from a sort of data protection point of view, you know, your kids' photographs, your family's photographs shouldn't be on a work device. And I know for a lot of people it's a faff, carrying two laptops and two phones is a faff, I get that. And also some companies say, well, you've got a phone, just use that. But I do think there's an argument to push back and say, no, you want me to be a worker for you, you give me a work device, a laptop and a phone, and that's just work, and you start to silo those two things apart. I think it's maybe something people could look at doing, at least you then know the risk.

[00:43:06] **Aleksandra King:** You know, yeah. No, you're making me think, you're making me think a lot about this. I mean, it's sort of common sense, isn't it? And you do normally get a work laptop, and that's fine, it's just that the lines become blurred pretty quickly, don't they? And keeping the lines separate is– yeah.

[00:43:27] **Geoff White:** It's work, you have to consciously think about it and manage it in that way. So are your work colleagues– you know, your work colleagues, do they sit in your home phone or your work phone? Do you– you know, so the boundaries start to get quite interesting, of who's a work colleague and who's a friend. There are two people in my personal phone who are also in my work phone, and that's it. Everybody else, you're either personal or you're work, that's it.

[00:43:49] **Aleksandra King:** Gosh. Yeah, boundaries. Changes your friendship network, yeah. You've got really good– but I guess you've got to have them if you're going to protect yourself against these people. Okay, let's talk about modern money laundering. What does that look like?

[00:44:02] **Geoff White:** Yes, modern money laundering. So money laundering is interesting. I think money laundering is a bit like cyber crime in that people know of it, they might have seen– did you see Ozark?

[00:44:11] **Aleksandra King:** Yeah, I did see, I love those, I love it as well. My husband said he sometimes feels like the guy in that. But sorry, carry on.

[00:44:18] **Geoff White:** Or he's involved with drugs?

[00:44:19] **Aleksandra King:** No, no, no, no, no. But the emotion, you know, like sometimes when you feel like the world is upon you and you're trying to solve all these problems, you know how sometimes.

[00:44:26] **Geoff White:** Yeah, it's a brilliant series. And what I loved about that was it did introduce people to this concept of money laundering. But I think people feel about it a bit like cyber crime, it's quite complicated, it seems a bit geeky and a bit white collar, spreadsheets. And also, when you money launder, it's sort of, why would you do that? We think about drug dealing, we think about robberies, and we think about hacks and frauds. Without money laundering there's an argument to say none of it would happen.

[00:44:53] **Aleksandra King:** Yeah.

[00:44:54] **Geoff White:** So let's say we go into business and we start selling drugs on the street and we start making millions in cash. A lot of drug deals on the street are still in cash. Great, we've got a million quid, that's a good payday, fantastic. So we want to go and spend that ourselves on something, maybe a nice car, you know, a couple of yachts for us, you know, something like that. Fine. Okay, you walk into a car dealership with a million in cash. By the way, my friend did this, he tried to pay for a car in cash because he thought he could get a discount, and the guy in the car dealership was horrified, freaked out and told him to go away. So he had to get the tube back with his £60,000 in cash.

[00:45:30] **Aleksandra King:** You can't spend cash in these places because they know cash is–

[00:45:34] **Geoff White:** Exactly. So then we've got to launder it. Okay, so think about that and just map that out. Every major organised crime gang on the planet that's making serious money, they need laundering facilities. They can't spend the money unless they've laundered it. So you don't make the money unless you can spend it, and if you can't spend it unless you launder it, you need laundering services. It is absolutely the glue that holds together–

[00:45:55] **Aleksandra King:** What's their main laundering services?

[00:45:58] **Geoff White:** So you've got three stages in your classic money laundering. First stage is what they call placement. So again going back to our cash example, we've done well, we have our drug deals. Placement is getting that money into the financial system, a bank usually. Again, you can't take a suitcase of a million into a bank, they're going to ask some questions about that. So then you say, oh, well actually I run a cash business, taxi driver or hairdresser, nail bar. Nail bar, DIY, you know, tradespeople get paid in cash. So you pretend to have that business.

[00:46:27] **Aleksandra King:** And you say check, and they say check, reconciliation check, which nail bar, where is it, what's your–

[00:46:32] **Geoff White:** They can. But again, if you've hired somebody who pretends that you co-own the nail bar with them, you give them a bit of the money and then you say, look, I'm going to deposit this cash, if anybody comes sniffing you tell them it was our–

[00:46:43] **Aleksandra King:** You know, yeah.

[00:46:44] **Geoff White:** And this is why businesses that don't have prices on the walls are always interesting, because one of the things the bank might do is go and say, well, you said you cut like 10 people's hair last week, which would have given you a profit at £10 a cut of £100, but you're bringing in, you know, £1,000. So that's why not having prices on the wall–

[00:47:01] **Aleksandra King:** Can I ask you a question actually about this? Is it a red flag if there's always cash only on a nail bar?

[00:47:12] **Geoff White:** Cash-only businesses are a bit confusing. It used to be the case that if you took card payments you got charged a fee on the card payments, and there's still a fee involved in processing card transactions, but most businesses now have got to the stage where they're like, so many customers want to pay with card, there's the arguments against taking card payments have ebbed away. Yet there are cash-only businesses. There's an argument about access to finance, that there are people who live in a cash economy. If you work in a restaurant or a café and they pay you in cash, well then you've got cash, you know, you might want to pay in cash. But again, most people can get a bank account and some kind of payment card. So the reasons why you might be a cash-only business start to get harder and harder to justify. It's not necessarily a guaranteed red flag, but it is right to ask, you know, why are you only accepting cash, what's the reasons for that?

[00:48:09] **Aleksandra King:** The same business, if they're always cash and always very busy, and then if you don't have the cash and you don't have a card– I mean, you don't have a card to go and get the cash from. Oh, it's just across the road, that bank machine, go and get some cash. You're like, oh well, I don't have my card so I can't withdraw money. And then they say, oh, we'll just pay it onto this bank account, and it's a personal bank account. What does that mean? Is that some sort of–

[00:48:37] **Geoff White:** It sounds like this has been personal experience for you. And it would be, I think that would be odd. On the other hand, I was a sole trader for a long time and I just had a personal bank account that people used to pay into. So using a regular personal bank account to receive payment isn't necessarily itself a red flag. For a hairdresser for example, what people don't realise is often the hairdressers will just hire out a chair to somebody to cut hair, so the person who's cutting hair is effectively just an individual who's sort of freelancing in that business, so they might have their own bank account. It's not necessarily dodgy, but I would want to ask some questions and sort of say, you know, is there a reason why you've not got a card? You know, you can take a payment into a direct bank account, but you've not got an iZettle machine or a company bank account. There would be an odd one, but it's not necessarily absolutely dubious.

[00:49:29] **Aleksandra King:** Good. So but you're saying some of these nail bars, some of these places, might be involved in this money laundering thing?

[00:49:37] **Geoff White:** Some. If you've got a lot of cash– and a lot of particularly drug, street-level drug crime is still cash orientated– you're going to end up with scads of cash, just wads and wads and wads of stuff. You've got to find some way of sticking that somewhere safe. If you stash it in your house, stash houses get raided a lot by other crime gangs, because as soon as they find out where you keep your money, yeah, they're coming after you. Police, if they come, they'll just seize the money, it's obviously proceeds of crime. So you've got to get that money somewhere safe, you've got to get it in the bank. So that's why a cash-intensive business, you know, as someone like a builder's merchant, somewhere where cash, you know, people who bring in jewellery and they pawn it and they get paid cash, cash-intensive businesses are useful. They're not all dodgy, they're not all criminals by any means, but if I had a load of cash, I'm looking for where in society cash lives, so I can take my dodgy cash and mix it with clean cash. So wherever you see lots of cash, criminals are going to be interested in it. Not necessarily they've penetrated it, but they're going to be interested in it.

[00:50:41] **Aleksandra King:** Okay, so let's get into their mind. So how do they see what they do? They just see it as legitimate business, about, you know, that's their job, and they don't have any guilt, remorse? Obviously depends on the person, but in general, what's the sort of mindset that's going on here?

[00:50:56] **Geoff White:** It's interesting. I mean, I've interviewed various criminals over the years who've been involved in these big schemes, and one thing I find really fascinating is in general quite a lot of them have an explanation for how and why they got caught that somehow attributes blame elsewhere. My associate screwed up, or often one of the things is, the police didn't follow procedure properly, you know, it was a fit-up. Or there's always some explanation for it. So immediately what that tells me is the criminals I've spoken to, and also read about and also read the reports of, there's a bit of their brain that just doesn't want to take responsibility for that. Right, so immediately there's this thing of, it wasn't me, I was a fit-up, you know, or if the police had, you know, not done this, I'd be a free man etc, free woman. So there's that. So I think there's a part of them that wants to deny responsibility, and another way of doing that is to pass this off as a legit business, is to say, oh, I'm just in business, you know. So some of the fraudsters that have been interviewed about these frauds that they do– we've talked about the fact that some of these romance frauds, quite a lot of romance frauds actually are coming out of West Africa particularly, has to be minorities of people in Nigeria and Ghana, not the majority, minorities of people in those countries. But some of them have been interviewed and have made a really interesting point. They've said, well, the West, particularly Britain in Nigeria's case, they stiffed us, you know, the West has caused us these problems, this is reparations. When I'm taking money off of somebody it's payback, I've been deprived of the opportunities by these western countries, so by targeting these western countries. Now, is that true or is it self-convincing? I don't know. But I know that this happens in other crime communities as well. So for example, I've been investigating ransomware gangs recently, this phenomenon where they scramble your data and charge you a ransom. Those gangs have a really interesting way of describing themselves. Okay, they call themselves post-paid security testers. So the idea is, as a company you can pay a security tester to come in and test your security.

[00:52:59] **Aleksandra King:** Oh, stop it.

[00:53:00] **Geoff White:** Yeah, yeah. So what they say is, we've done a security test on you by hacking you, you've failed the security test because we've hacked you, you now pay us the same you would any other security researcher. You didn't agree this pre-payment thing. We've helped you though, wouldn't you rather know? That's how they describe themselves. Now again, could be self-delusional, but they are so entrenched in this. If you're going to go in and target victims day in, day out, and in ransomware and in fraud you are speaking to your victims, you've got to pull off a hell of a psychological trick not to go home–

[00:53:32] **Aleksandra King:** You must do. I mean, to be selling drugs to people, you've got to pull off a hell of a psychological trick, because you know very well what you're doing. So how in your brain do you reconcile that? One way is saying I'm a business person. It's a disgusting, horrible thing to do, and two wrongs don't make a right, and it's just lack of values, just really bad upbringing or some sort of psychological problem. I think there's absolutely no justification whatsoever of being a criminal, liar, and of course anyone selling drugs and anyone doing this, on no planet is it okay. If they're listening, yeah, it's just madness.

[00:54:10] **Geoff White:** You know, there are also often factors in the person's background. You know, they'll have come from difficult family situation, often have mental health problems, drug problems, alcohol problems, or have them in their family. And so there's that issue as well, that people bring up. Again, I'm not excusing this, I'm just explaining that, I say, to do something that you know is horrible, has consequences, you have to build up a sort of bulwark in your mind of reasons. And so often these get called upon. And look, you know, there are some people I've spoken to where I can see where they're coming from and I have sympathy, and they had a rough upbringing frankly, and it's all very well for me to say, well, you shouldn't have got into crime. I didn't have that upbringing so I didn't have to make that decision.

[00:54:49] **Aleksandra King:** I've interviewed people that have come from poverty and I've interviewed people that have rough backgrounds and they've been in prison. I had a guy the other day. Also, it's just– you can choose your path, you know, you can choose your path. But I suppose if they've not been shown a path, you know.

[00:55:07] **Geoff White:** Yeah, but yeah, there's also societal factors to go around it. So you know, we can look at this in Britain, but if you're living in for example Lagos, or you're living in Moscow, you know, you're living in Medellín in Colombia, the environment in which you're making your decisions are very different to the environment we're making them in here in London.

[00:55:24] **Aleksandra King:** So anyway, yeah. But you know, I do think that values are values though around the world. I think I would hope that most people on this planet, on any corner of the planet, know the difference between wrong and right, and they can tell themselves stories, but they know. They do know.

[00:55:40] **Geoff White:** They can. But there's another thing to throw into this which is a really interesting point, which again came out of some of these interviews with some of these West African scammers. Corruption is a key to this, and that's why I talk about the different countries around the world. We're lucky in the UK, and we really do not acknowledge this luck often enough, that we live in a relatively low corruption society. Not saying there isn't, but you know, compared to other places in the world. If you live in a corrupt place, everybody's on the make, you know, police officers will shake you down, politicians will shake you down. Put yourself in that position. You, Aleksandra, I'm sure would every day wake up and want to just do the right thing and be good. And then you watch everybody around you doing much better than you, and their families doing better than you, and their kids going to better schools, and them having better food, because they're doing the wrong thing. You're now doing the right thing, you're the mug in that environment. It's very hard not to think, I am depriving my family of decent food and education because I'm trying to stick to the right side. Do you see what I mean? That's the sense that comes out. And that's why I talk about the environment in which these decisions are made. If you're living in a corrupted environment, it's very hard to stay on the good side, because you're depriving yourself while everybody else enriches themselves. And this is why fighting corruption around the world is really important, because it's corrosive. As soon as corruption creeps in, everybody's got their nose in the trough.

[00:56:56] **Aleksandra King:** Also why values are so incredibly important. I mean, my mum's dad was offered a job. Actually they weren't that well off, my mum's side of the family, but my mum's dad did pretty well as an accountant, he did all right, you know. But he had an offer to turn– we're talking about a long time ago now– he had an offer to turn to the Communist Party and do the accounting for them, and got offered so much money, total apartment, you know.

[00:57:29] **Geoff White:** Where was this, in which country?

[00:57:30] **Aleksandra King:** In Poland.

[00:57:30] **Geoff White:** Poland, okay.

[00:57:31] **Aleksandra King:** So you know, offered all this stuff. And his best friend actually said, do it, because you'll really better, you know, you'll have such good circumstances. And he just said absolutely not.

[00:57:43] **Geoff White:** It's hard to do that. It's a really brave decision, to do absolutely not.

[00:57:46] **Aleksandra King:** Yeah, but I think it's, you know, it's the right decision. And I'm– sometimes you'd rather eat dust.

[00:57:55] **Geoff White:** Yeah. But to have the fortitude to stay right when everybody else is wrong and doing well out of it, but also really hard.

[00:58:02] **Aleksandra King:** How could you possibly then enjoy the fruits of your labour, because there is something like guilt. And even if it might not be so obvious, at some point you'll be eaten by it. At some point, everything, what comes around will go around.

[00:58:16] **Geoff White:** Which is why this self-delusion thing is so important, is that's how you defend against that. You're right, you defend against the guilt by saying, well, everybody else is doing it, I'm just a business person, this is, you know, reparations, all the things we've talked about in terms of the justifications that go on. You know, oh, the police are corrupt, so you know, if they catch me I'm not really committing crime. All these justifications people build up in their minds are exactly tackling the guilt problem you've talked about.

[00:58:40] **Aleksandra King:** You know, in your heart of hearts it's wrong. Yeah, I would hope that most people do really, although some people, they thrive in their delusions and they start to believe them, which is a dangerous thing and a totally different thing. And they do convince themselves that their way is right, even though probably deep inside, if you really cut that open, right, the core, maybe just maybe, they would know that it's not quite– if someone stole it now, you know, how much danger am I in?

[00:59:07] **Geoff White:** Well, I can tell you exactly that, because I had an incident with–

[00:59:10] **Aleksandra King:** You can have a look at what I– if I could, yeah, you stole my phone, took– yeah, go on.

[00:59:14] **Geoff White:** Yeah, go on, let's start on my phone. Okay, first thing we do–

[00:59:18] **Aleksandra King:** Here we go.

[00:59:18] **Geoff White:** Gmail. That's the first thing I'm going to hit, Gmail. So with Gmail as well, what I'd be looking to do, if I did get the phone, it was unlocked, what a hacker would do is try and get the Gmail and try and download the entire thing. So even if you manage to lock the phone remotely, it's fairly boring. But okay, do you want to have a look through? Should we say that I won't do that. But somewhere in– as I say, if you've applied for a bank account, if you applied for a credit card, if you've applied for a mortgage, it will all be in there. Also in your Gmail, client data.

[00:59:46] **Aleksandra King:** Client data.

[00:59:46] **Geoff White:** Exactly. I presume for this podcast you sometimes pay for the studios– that will all be in there. So what I'll do is I'll contact the studio here and say, hi, it's Aleksandra, you normally pay me into this bank account, could you pay me into this new bank account? Now instantly I've got some money out of you.

[01:00:01] **Aleksandra King:** Do not, do not, do not do that. Do not.

[01:00:04] **Geoff White:** So that's instantly something I can do. The other thing is, now I've got your Gmail, I can send emails as you to people.

[01:00:10] **Aleksandra King:** Oh, stop it.

[01:00:11] **Geoff White:** So immediately I've not just got this phone, I've now got access to all of your contacts. I can start sending them spam. So I can immediately sell that access to somebody who wants to spam people, or I could just spam all of your contacts, say, oh, Aleksandra, I've got this new podcast, PDF document attached, download it, it's got loads of details in it, or sign up here, whatever. And the email is coming from you. So that's just the sort of instant things that you can do off the back of it. So you might want to lock the screen on that.

[01:00:37] **Aleksandra King:** I'm going, yeah, yeah, lock it. I will not send you weird download links.

[01:00:41] **Geoff White:** Okay. And this is the thing, for your information, this is why the phone snatching theft exploded. Getting an unlocked phone is just gold.

[01:00:50] **Aleksandra King:** Yeah, it locks after like a minute, I think, which is probably not good enough, is it?

[01:00:56] **Geoff White:** I mean, just keep locking them. And particularly– it's awful to say this– but particularly people walking around, you know, walk on the shop side of the pavement, don't walk on the street side of the pavement, keep your eyes about you, look around, if in doubt stop, go into a doorway, use your phone and move on. An unlocked phone is gold dust for these people. Immediately you can sell the phone.

[01:01:14] **Aleksandra King:** Bank account here, my bank here, although you have to put a PIN.

[01:01:17] **Geoff White:** Yeah, you've got your TikTok, you've got Instagram. Yeah, so let's say your bank sends you a text message with the PIN, so I can't log into your banking because you get a text message with the PIN to log in. So what I need to do is take over somehow your text messaging. Well, again, if I've got your phone unlocked, I can get access to your PIN.

[01:01:38] **Aleksandra King:** Holy–

[01:01:39] **Geoff White:** So unlocked phone is absolute gold dust. And I think people– I've only realised in the past year or so quite how damaging an unlocked phone can be to your life. It is really important.

[01:01:49] **Aleksandra King:** What about the fact there's a lot of people, and I'm guilty of this myself, so I will hold my hands up right now and say that I'm one of these people that goes, yeah, but I mean, like, I'm not, you know, doing anything that other people can't know about. And what are they going to do, find out my health records? Please, knock yourself out, gee whiz. Do you want my blood test results? I can give them to you. It's no big deal. Maybe my address, please don't visit me. Yeah, not interested. But you know, you don't have anything to hide sort of thing, right?

[01:02:17] **Geoff White:** Yes. As soon as you've been through a cyber or fraud incident, you will understand how disruptive this is to your life. So I had an incident with my personal phone about a year ago. It was months, they kept coming back, because once they've got access to your phone they're going to keep trying. So there were waves of the attack, trying to work out what happened, was a complete nightmare. I work in cyber security and organised crime, you would have thought I'd get to the bottom of this like that. We couldn't work out how they got access to the phone, we couldn't find the malware on the phone, we had no idea what was wrong. This by the way was a personal phone that I no longer use. It wasn't the end of the world. But it's very easy for people to think, oh well, you know, I've got nothing to hide, it's all fine, what's on my phone doesn't matter. As soon as you have one of these incidents you suddenly realise how much you've got on your phone. It's a violation. It's like a robbery, it's a house robbery actually. And this is the interesting thing, you know, with a robbery you can fit better padlocks, you can fit CCTV, a lot of people beef up their security after a robbery. Don't get me wrong, burglary is an incredibly invasive crime, people do suffer from it. The problem with cyber crime is you've not only been digitally burgled, you have no idea what window they got in through, what door they got into, and whether they're going to come back tomorrow night and the night after and the night after. Imagine that. Imagine getting burgled and you have no idea how they got in. So what do you secure? How do you stop that? That's why this cyber crime and fraud stuff is so important.

[01:03:44] **Aleksandra King:** You see, so like my husband, he loves all this digital stuff, and he sold his digital marketing agency and that was bought by another PR company, and he's in that whole world of that stuff. So he loves it, he doesn't mind putting quite a lot of data actually online and using whatever. However, what he does do, and it's only just clicked to me now when you were saying this, is he is quite paranoid and strict and meticulous about always deleting our cards, changing banks, moving, like constantly, you know. And I said, can't we just– like, we should– let's, it's time to cancel that card, you never know.

[01:04:26] **Geoff White:** It's not a bad idea. Restart, if you can go through the– if you're not worried about going through the hassle of doing it.

[01:04:32] **Aleksandra King:** Yes, because obviously if somebody's got your card. With different things that he's using, it makes me– he makes me do it, I just follow, he goes, trust me, trust me, trust me. Just so, it's quite a– I suppose it's a good practice maybe.

[01:04:48] **Geoff White:** Yes, yeah, it can be. There are downsides obviously, in that you know, you build up a credit history, people with places and so on. But yeah, moving around actually is not a bad thing. And in my life I've moved address quite a few times, and for some reason that makes me feel more comfortable, in that if somebody does get hold of an address for Geoff, probably going to be an old address for me. So yeah, there's a hassle factor to it, but it's not a bad thing to do.

[01:05:11] **Aleksandra King:** It's not a bad thing, is it, yeah.

[01:05:12] **Geoff White:** But if you go home and he's moved house, Aleksandra, that might be a different–

[01:05:15] **Aleksandra King:** No, the house thing, I mean, I must say, it's not nice. You don't want anyone appearing at– and obviously with this podcast and everything, and you become more, you know, in the public eye or whatever, you sort of, you don't want– yeah. Out of all the sort of everyday scams that, you know, most people will encounter, which ones are the hardest to spot, or which ones are the sort of ones to keep an eye on as well simultaneously?

[01:05:41] **Geoff White:** Well, this is where we get into sort of the AI problem. To convince somebody to send money, to convince somebody, you know, to do a cyber crime on somebody, trick them, or to commit a fraud against them, the first thing you need is a way to contact your victim, and the second thing you need is a story to tell them. Those are the two things you need, right. The way to contact somebody used to be the front doorbell. Ring your front doorbell. And the way you convinced a person was you'd have a British Gas uniform or some other utility, Scottish Power, whatever, you'd have a clipboard, hi-vis jacket, and the story would be, oh, you know, there's been road works down the way, we're worried about the supply here etc. So you need a way to contact somebody and a story to tell.

[01:06:23] **Aleksandra King:** Story, yeah.

[01:06:24] **Geoff White:** The way to contact somebody, as we've discussed, increasingly people's email addresses, phone numbers are just going to be out there, your Facebook account, LinkedIn. You know, we want to be contactable, we want to contact people, there's just way more contacting going on and communication going on. What that means is, for fraudsters who want to contact you and cyber criminals who want to contact you, they've just got many more ways of doing that. The second thing you need is a convincing story. So it's your tax is overdue, your Amazon parcel's out for delivery, you know, click here, you know, we've changed suppliers. There's a convincing story that goes behind it. The thing that's going to be hard in the future is that AI is going to make those stories more convincing. At the moment I can't contact you, or previously have not been able to contact you and pretend to be your husband on the phone or by Skype call or FaceTime. Increasingly you can do that now, particularly folks like yourselves who've got a higher profile, there's lots of video of you on the internet. You can create a deep fake of Aleksandra, or the voice certainly. So increasingly that's going to be the thing that's going to be hardest to spot. I hate saying this because it's a bleak lesson, but suspicion is unfortunately going to have to be our capital in this. We are going to have to just up our levels of suspicion. And we've also got to reassure other people that, you know, if I ask if it's you and I ask for some extra way of proving it's you, don't be offended. Employees and companies have to be told, if the boss phones you up and tells you to do something, it's okay to say, I don't believe you're the boss. We have to let people be suspicious.

[01:07:57] **Aleksandra King:** And let suspicion, you know, doubt and scepticism, it's good. It's like, you wouldn't just open your door to anyone, so this is what it is. You wouldn't just, because someone's out there in hi-vis, it doesn't mean you open the front door.

[01:08:08] **Geoff White:** Precisely.

[01:08:08] **Aleksandra King:** So yeah, just don't. Yeah, guilty until proven innocent. I mean, you know, my mum and I– my mum's getting on in years, she's in her 80s– and we've had the conversation, look out for the elderly. What we've agreed is, you know, there's a thing from when I was a kid, which is a stupid thing I used to say as a kid, and anything to do with money, anyone phones up, I will not be offended, Mum, when you ask me what's that thing we said as a kid, and I will be able to come out with it. So just ask me, always ask me, you know. And we– again, I had to reassure my mum and say, don't worry, I'm not going to get offended. That's what we have to do, we have to start putting in these kind of proof networks and allowing people to do them and to say them and to have them.

[01:08:49] **Geoff White:** Yeah.

[01:08:49] **Aleksandra King:** So I mean, we– you've answered this question already about how being in this field and investigating what you've investigated, seen what you've seen, and you've spoken with literal hackers and the guys doing it, it has fundamentally changed the way that you operate, function.

[01:09:08] **Geoff White:** Yeah, from the earliest days of investigating this I realised that you have to have good boundaries, and you have to have good boundaries from the beginning. So for example, the famous example is there's a guy called Ross Ulbricht who set up a website called Silk Road. It's a dark web website, so it's on a hidden part of the internet. Sold drugs, mainly drugs, some other stuff as well, illegal stuff. So the FBI finally found him, and the way they found him was that years before he set up this website, he was trying to learn how to build a website and do coding, so he'd gone on this forum and he'd said, hey, can anybody help me with this, my email address is rossulbricht@gmail.com. He had subsequently then been– that account had been the first account to post a link to Silk Road. So he didn't realise it, but he'd given away his email address years ago, got hacked, and then as he got more– he thought he was secure, but as they followed the trail back there was that one thing at the beginning. So being– having really good boundaries in the beginning. So from the very beginning I've had this whole thing of, I need a private life, I do need to escape, the stuff I cover is pretty heavy, I'm going to keep that very private, very small and very hidden. I will have to have a public life so I'll make that as big and as noisy as possible and all the contact details will be out there, but at least I know my risk, I know where I'm most at risk: my work inbox, my work phone, my work LinkedIn.

[01:10:30] **Aleksandra King:** What if you haven't done that from the beginning? Start now?

[01:10:33] **Geoff White:** Never too late to start.

[01:10:34] **Aleksandra King:** Yeah, exactly. My geography teacher always said better late than never, when I used to pitch up at geography class late. So for anyone listening that feels overwhelmed by these hacks and these scams and the deep fakes, what thing, what information can you impart to them that will comfort them and empower them a little bit?

[01:10:55] **Geoff White:** Yeah, firstly don't worry. This stuff's happening all over the place, it's quite likely you won't get affected by it, right. So you don't have to be incredibly paranoid every day to stop this stuff. You also don't need to have like CIA, MI5 levels of skill to stop this. Anything you can do, any bit of work that you do, helps, because the criminals always go after the low-hanging fruit. I own a nice bike, and when I park my bicycle what I'm looking for is the other bikes that are quite nice but have a rubbish lock. And so I park my bike next to that, because I know the crook's going to come along, look at that and think, that's a nice bike but it's a good lock, that's a nice bike but– and I know they'll go after the other one, and that's what they'll lose their time on. The point isn't to be, you know, Edward Snowden or some super spy, the point is just to be a bit more secure than your next door neighbour, and they will be the one that gets hit. I hate to say that, but that is true.

[01:11:50] **Aleksandra King:** Yeah, we don't want the neighbour to get hit.

[01:11:51] **Geoff White:** You don't, but you know.

[01:11:52] **Aleksandra King:** But you're smart, you're calculating everything.

[01:11:54] **Geoff White:** Exactly. And there's two things I think that have come across massively in the discussion that we've had. The first one is bit of suspicion, bit of scepticism, and just to make that part of your sort of daily routine. I don't like saying it because we do want to trust each other as humans, but increasingly we just need to sort of double down on that. So being a bit sceptical, being a bit suspicious, prodding back and saying, is this email from that person? Well, you say you're, you know, you say you're called, and you know, you're from the bank, but you know, pushing back.

[01:12:22] **Aleksandra King:** Yeah, push back.

[01:12:23] **Geoff White:** And secondly, patience. Again this idea you have to make a decision now, you have to click on it now, you have to deal with it now. Don't. Just take five, go away, make a cup of tea or coffee, come back, have another look at it. And what's interesting is, to do those two things we have to sort of push back on where we're being driven. Technology companies want us to decide things really quickly and act really quickly.

[01:12:42] **Aleksandra King:** Companies want us to make quick decisions.

[01:12:44] **Geoff White:** Yeah, push back on that. You take your time. And also we're driven as human beings to want to trust and trust more, again we have to push back on that. It's not an easy thing to do, but bit of patience, bit of scepticism, that will see us right.

[01:12:56] **Aleksandra King:** It's actually an old saying that I grew up with, it's in Polish so I won't repeat it in Polish, but it is one about that.

[01:13:03] **Geoff White:** Well, it's in English as well. The English version is, devil makes haste.

[01:13:07] **Aleksandra King:** Yeah, yeah, that's right.

[01:13:08] **Geoff White:** So I suppose that's the translation.

[01:13:10] **Aleksandra King:** Precisely. So yeah, thank you so much, it's been incredibly informative.

[01:13:13] **Geoff White:** Yeah, it's been good, thank you.

[01:13:14] **Aleksandra King:** Scary, but we all need to hear this, so I appreciate it.

[01:13:18] **Geoff White:** As I say, I don't want to make people freak out, be paranoid, but these risks are out there. I'm not making this stuff up. And like I say, just a little bit, anything you can do, just one thing you can do to pull yourself up the tree to those higher branches. They're going to go after the low-hanging fruit and that's not going to be you.

[01:13:32] **Aleksandra King:** Okay. Actually I will say it in Polish for you. Devil makes haste.

[01:13:41] **Geoff White:** Fantastic.

[01:13:42] **Aleksandra King:** Thank you so much.

[01:13:43] **Geoff White:** Thanks for having me.

[01:13:44] **Aleksandra King:** Thank you.