If this guy really able to get through double layer of securities, we are in doom and I believe there should've a disaster recovery action by now.

Anyway, there is still alot of possibilities on how this happened!

But I'm still wondering on the TAC part!

Btw, I do alot of online banking stuff - maybank2u, HLB, CimbClicks, RHB Online and also HSBC and I'm about to get all these services terminated if you failed and granted a ZERO return from your case.