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Simon is not a good guy. He sounds like he is over the phone, with his slightly posh English accent and his relaxed and reassuring tone, but he’s not. He’s likely in his early 30s, from a middle-class home, I’d imagine, and he almost certainly has worked in the finance sector at some point, because he has the practised patter of someone who knows the territory pretty well.
He’s telling me about interest rates for term deposits and they’re pretty good. Not so good to arouse immediate suspicion but good enough to get people’s attention. Good, but not obviously too good to be true.
I can imagine what he’s like in his real life: