From banking law about 10 years back now, I would expect that the bank would be on the hook for Deborah's transfers in the first story. Deborah didn't in fact authorize the transfers, and it's the banks systems that failed in detecting that. Banks are heavily regulated around these things, especially debit cards (although perhaps wires are different), and I would have taken that case if I were a plaintiff's lawyer. Seems to me the bank will settle with her for a decent chunk of that money. (As opposed to where the CEO/COO gets tricked and does in fact intend to authorize a wire to someone who turns out to be a fraudster.)