It started with a phone call while the victim was working. The caller identified themselves as an employee at the victim’s bank, and he knew his name, the last four digits of his account and where he lives.That’s how a recent $20,000 fraud reported to Toronto police began. Det. Dave Coffey says it’s a typical example of the roughly 50 fraud reports the service’s central fraud office receives every single day. So far this year, there’s been nearly $224 million in reported fraud losses in Toronto, with residents on pace to lose $560 million in 2026 — up more than $130 million…