A thing that terrifies me is apparently there are still some financial institutions that will accept the voiceprint as authentication for you to move a lot of money or do something else, that is a crazy thing to still be doing ... AI has fully defeated that.
Most companies are not going to ask for a Zelle payment via email if they double-paid a worker. If the overpayment was accidental, they'd likely be able to recover it themselves based on the terms of their direct deposit agreement.