She does still have some of her hour of Fiducia Andre's time, and now, knowing what she does, she's sure there should have been some better way to set up the anonymous account. She did need to have access to the money, though, and the codeword setup makes that quite difficult.
"Obviously I should have asked the Bank to copy and burn the paperwork, to prevent whoever this is from finding me through it. Is there any account setup which would have let large withdrawals work smoothly while staying anonymous, though? The codewords to authenticate orders are too easily spied on and copied to be secure. They were enough to identify me to send the letter, but relying on them for thousands of gold sails would never work."
"We do have a service for this purpose! You know the ancient Taldane cipher, I can't recall who originated it, which simply shifts every letter by a certain step along the alphabet?"
"I have heard of it, yes. It never seemed secure."
"It isn't! Not at all, you can just guess the offset number and decode a message. We couldn't trust that any more than your codewords! Slightly more advanced, there's a substitution code, connecting your letters in a ring and switching every one to the next, like so. Or a few smaller rings, that also works."
"And that's safe?"
"Not at all! It's far better, of course, but with three or four sentences you can start to guess what letters correspond to what. It takes time, but not enough for security above a few hundred silver shields. Only a century or so before the death of Aroden, a clever Taldan, one Bellaso, found an improvement. He was trying to send secret messages too sensitive for a wizard to hear, so without a Sending, but cheaply enough to be done at scale, and was willing to slow them down if that was needed— Ah, but you don't have time for a full history lesson, perhaps someone at the main branch can explain it. Say you have a codeword, and the other does as well. Like the ancient cipher, turn your words into numbers, and also turn your codeword to numbers. Go through the message and your codeword in order, and add the numbers — so if your message starts 'from account' and your codeword is 'coin', you add 3+6=9, 15+18=33 and we wrap around to 7, 15+9=24, 13+14=27 and we wrap around to 1, and then back to the start of the codeword, so 1+3=4. Turn those back into letters, and write that out. As far as we know, it can't be broken!"
"So that's safe?"
"Well, mostly — you should really use a longer code-phrase if it's for large accounts, and it shouldn't have too much meaning to you or a Divination can sometimes find the code. This also doesn't stop a single message from being given to the Bank multiple times, or someone can shift a letter if they know how many letters to shift it by even without knowing what it started as. We add a check signature at the end to avoid that, and you can incorporate a date range into there to prevent duplicate orders from being processed— ah, we're here."