A text about your tax return. A too-good investment opportunity. A call from your kid asking for a quick transfer. None of it is random. Westpac Head of Scam and Fraud Prevention, Ben Young, puts it bluntly, “there is a scam for everyone.” Speaking to host Sylvia Jeffreys of The Pay Off podcast, Young says scams follow behaviour, weaponising what feels familiar. “Scammers are pretty seasonal. They like to pick up whatever’s flavour of the month,” Young explains.