A member and officer of my FC got phished over a year ago. Took 60 million gil from her and made an alt, invited them into the FC and took 25 million from the company chest. She got rolled back and yeah it took about a week. The FC's gil however was SOL. She did reimburse the FC for the lost gil.

My best advice is don't make officers have access to the FC gil in the chest. Only have the leader with access to the FC gil. That way if one of your officers accidentally falls for a phish, than the crook can't promote themselves to a rank that has access.

Also you need 200k mgp for the regalia car. So that's good. Enjoy your car. =)