@AlisonW : that's usually fine, but may not help during a "live" AitM (Attacker in the Middle) conversation - that is, if you don't notice the extra delays (or the attacker uses social engineering to somehow justify those delays to both sides - which may not be hard; a recording of a crying baby heard by Chase and construction noises sent to you may fool both sides - "sorry, I did not understand you because ...").

Step 1:
[Allison]
     ^
     | "I'm a Chase employee"
     |
[AitM]
     |
     | "I'm Allison"
     v
[Chase]

Step 2:
[Allison]
     |
     | "What's my date of birth?"
     v
[AitM]
     |
     | "What's my date of birth?"
     v
[Chase]

Step 3 (I changed the order):
[Chase]
     |
     | "Feb 29, 2000"
     v
[AitM]
     |
     | "Feb 29, 2000"
     v
[Allison]

@simonwood @Edent