There are too many overlapping usages of these words to make a meaningful distinction between them. “Moral” tends to be used in a more religious or deontological sense and “ethical” tends to be used in a more academic or consequentialist sense but the usage is not consistent enough to actually draw a line.
We can absolutely distinguish between “right and wrong” as it pertains to individual welfare (pretty much synonymous with individualist consequentialism, that is, seeking one’s own highest good) and “right and wrong” as it pertains to social norms. The former vary from individual and the latter vary from place to place and time to time but do not vary from individual to individual at a given place and time.
Confusion abounds on this subject because the powers that be benefit immensely from widespread confusion about morality (or ethics or whatever you want to call it).
Clayton -