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The hackers did not exploit a vulnerability in Swift – they didn’t have to have to – so as far as Swift’s software was concerned the hackers looked like genuine bank staff. Why did the hackers only steal the cash a complete year right after the initial phishing e mail arrived at the bank? Why risk becoming found although hiding inside the bank’s systems all that time? Because, it seems, they required the time to line up their escape routes for the funds. By exploiting time variations among Bangladesh, New York and the Philippines, the hackers had engineered a clear...