It is unfortunate that with our holiday message we also have to talk about this. But the fact is that scammers and fraudsters will try to take advantage of reduced office staff and your being focused on the usual year-end work. But it is not just you – they will also target your clients and other businesses.

It is important to maintain vigilance when, for example, dealing with banking instructions and being approached by new clients. The Client ID rules, your rules for confirming payment, depositing cheques and fund transfer instructions, should not take holidays.