Final answer:
The forensics investigator will likely conclude that Cross-Site Request Forgery (CSRF or XSRE) has occurred, as the malicious link performed an unauthorized transaction using the user's authenticated session without their knowledge.
Step-by-step explanation:
The forensics investigator is most likely to determine that a process known as Cross-Site Request Forgery (CSRF or XSRE) has occurred. This type of attack tricks a web user into performing an unwanted action on a web application to which they're already authenticated. The user receives a phishing email with a link, and upon clicking the link, an unauthorized action (such as transferring money) is performed using the user's authenticated session without their knowledge.
The link in the email with parameters like routing, acct, and amount indicate a financial transaction is being unknowingly triggered by clicking the link. This scenario doesn't match the patterns of SQL injection, which involves inserting malicious SQL statements into an input field for execution (e.g., to dump database contents). It is also not broken authentication (compromising user credentials or sessions), nor is it Cross-Site Scripting (XSS), which would involve injecting malicious scripts into web pages viewed by other users.