Learn

Have you taken steps to protect yourself online from cybercrime?  Scammers are quite clever and master’s at trickery.  Don’t fall into their trap.  The American Bankers Association has put together some great tips to help keep you protected.

Click here to learn more at American Bankers Association https://www.aba.com/advocacy/community-programs/consumer-resources/protect-your-money/protecting-yourself-online

Choosing the P2P option that best suits your needs is a personal decision.  Whatever service you choose, make sure you understand the terms and conditions for that vendor and keep an eye on your account.

In today’s world of electronic banking, the movement away from carrying cash, contactless payments and the expectation for things to move quickly, many people are opting to use a person-to-person (P2P) payment solution.  Whether you are paying your rent, splitting the dinner bill or sending a birthday gift, this method of payment continues to grow as one of the most convenient methods of payment.  Rarely will you see a check written with this option readily available.

Person-to-person payments serve as a method to transfer funds online from your bank account to another person via the internet or with a mobile device.  These payments can be sent using the recipients email address or mobile phone number.  You do not need the recipients account number.  Some P2P payments are in real time which means that the payment is made available to the recipient within minutes.  Others take a couple of days for the money to be sent.

There are two different approaches to utilize this type of service.  The first option is using a service provided by your financial institution.  You can access this service through Online Banking or Mobile Banking.  The recipient of the funds would receive a notification either by email or text that would direct them to the online interface to input their bank information to accept the transfer.  Using this method, the recipient does not need to have an account with your financial institution.

The second and more common approach is by establishing an account with a third-party vendor.  These vendors include companies like Venmo, Zelle and Apple Pay.  Both you and the recipient must establish an account with the vendor for the transfer to be completed.  To do so, both you and the recipient would provide your bank account information to the vendor.  Transfers are completed through the third-party app or website.

When you establish a P2P payment with your account number the payment is sent through the ACH (Automated Clearing House) Network.  This means that your transaction is processed similar to the way an automatic debit or direct deposit is processed.

When you establish a P2P payment using your debit card number the payment is sent using the debit card network.  By using a debit card your transaction is processed as a debit card transaction.  This means that you are subject to debit card daily purchase limits, debit card high risk blocked areas and travel restrictions when purchases are made out of your area.

Choosing the P2P option that best suits your needs is a personal decision.  Whatever service you choose, make sure you understand the terms and conditions for that vendor and keep an eye on your account.

We can help make that dream come true with our First Time Homebuyers Program.  Our Loan Officers here at Salem Co-operative Bank will guide you every step of the way.

Here are some steps that you can take to help get you there.

• Know your credit score and what it means.
• Learn how much you can and should spend.
• Save, Save, Save!
• Start organizing your documents.

Click here to read more.

The FDIC provides a financial education program called Money Smart in which they provide resources to expand your financial skills and knowledge.  This program is designed for people of all ages and includes resources on topics ranging from borrowing money, managing debt, saving and investing.  There are 14 topics in total.  Each topic can also be explored by playing a self-paced “How Money Smart Are You?” game.

Visit https://playmoneysmart.fdic.gov/games test your knowledge, have some fun and share with the kids.

Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. And in this time of expanded use of online banking, the problem is only growing worse. In fact, the Federal Trade Commission’s report on fraud estimates that American consumers lost a staggering $3.3 billion to these phishing schemes and other fraud in 2020—that’s nearly double what was lost in 2019*.

It’s time to put scammers in their place.

Online scams aren’t so scary when you know what to look for. Salem Co-operative Bank is committed to helping you spot them. We’ve joined with the American Bankers Association and banks across the country in a nationwide effort to fight phishing—one scam at a time.

We want every bank customer to become a pro at spotting a phishing scam—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That. Because when you know what sounds suspicious, you’ll be less likely to be fooled.

These top 3 phishing scams are full of red flags:

• Text Message: If you receive a text message from someone claiming to be your bank asking you to sign in, or offer up your personal information, it’s a scam. Banks never ask that.
• Email: Watch out for emails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from your bank, but it’s a scam. Banks never ask that.
• Phone Call: Would your bank ever call you to verify your account number? No! Banks never ask that. If you’re ever in doubt that the caller is legitimate, just hang up and call the bank directly at a number you trust.

You’ve probably seen some of these scams before. But that doesn’t stop a scammer from trying. For more tips on how to keep phishing criminals at bay, including videos, an interactive quiz and more, visit www.BanksNeverAskThat.com. And be sure to share the webpage with your friends and family.

*Source: Federal Trade Commission 2021

Protect your self against imposters

Published by FDIC 3/23/20

The Federal Deposit Insurance Corporation (FDIC) has received reports of fraudulent communications that have the appearance of being from this agency. Fraudsters know that people trust the FDIC name, so scammers use the FDIC’s name and logo, and even the names of actual employees, in perpetrating fraudulent schemes.

Some recently reported scams have fraudulently used the names of real FDIC employees, including Martin Henning and Michael Benardo. They have also used fictitious employee names such as Peter Harding, Christine Marshall, and Kate Marshall.

These scams may involve a variety of communication channels, including emails, phone calls, letters, text messages, faxes, and social media. The messages might ask you to “confirm” or “update” confidential personal financial information, such as bank account numbers. In other cases, the communication might be an offer to help victims of current or previous frauds with an investigation or to recover losses.

Some scams have included official looking forms for such things as filing insurance claims or paying taxes on prize winnings.  They might tell you that you have an unpaid debt and threaten you with a
lawsuit or to arrest you if you don’t pay.  Other recent examples have included check endorsements, bankruptcy claimant verification forms, stock confirmations, and investment purchases.

Additional known scams ask for an upfront payment in the form of  gift cards or digital currency before service can be provided. They might include a cashier’s check with instructions to deposit the check and send some portion of the funds back via wire transfer service. Learn how to protect yourself from fake check scams with these tips from FDIC Consumer News.  Scammers might ask for personal information such as Social Security numbers, dates of birth, and other valuable details that they can use to commit fraud or sell your identity.

Here’s what you need to know to protect yourself against government imposters like these:
• The FDIC DOES NOT send unsolicited correspondence asking for money or sensitive personal information, and we’ll never threaten  you.
• No government agency will ever demand that you pay by gift card, wiring money, or digital currency.
• The FDIC would never contact you asking for personal details, such as bank account information, credit and debit card numbers, social security numbers, or passwords.

Find out more about imposter scams provided by the Federal Trade
Commission (FTC) at ftc.gov/imposters.

If in doubt, contact the FDIC’s Call Center at 1-877-ASK-FDIC (1-877-275-3342), Monday – Friday, 8 a.m. to 8 p.m. (EST).

If you feel you have been the victim of fraud, report this incident to local law enforcement or a local field office of the Federal Bureau of Investigation (FBI).

Also notify the United States Postal Inspection Service (USPIS), if the crime involved misuse of the U.S. Postal Service.

For more help or information, go to www.fdic.gov or
call the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342).
Please send your story ideas or comments to Consumer Affairs
at consumeraffairsmailbox@fdic.gov

Personal security always tops the wish list! From cybercriminals stealing our data, to porch thieves stealing our deliveries, let’s keep the spirit of security with these tips during the busy holiday season.

Shopping Online

• Only buy products from reputable sellers and websites.  Do some research, read a few reviews, and confirm that you’re buying a legitimate item and not a counterfeit. If a deal seems too good to be true, search elsewhere.
• Before entering credit card and other personal information, ensure that you have a secure connection. Look for HTTPS (vs. HTTP) and a green padlock next to the URL. Double-check that the URL correlates to the website. Remember, scammers impersonate legitimate sites with imposters that steal credit card data.
• Avoid using debit cards or payment methods that connect directly to your bank. A security breach could give cybercriminals a chance to empty your accounts. Use credit cards instead, many of which offer fraud protection and put zero liability on the consumer.
• Keep tabs on your financials. Routinely log into your accounts and check for fraudulent or duplicate charges. Immediately contact the bank or credit card company if you find purchases you didn’t authorize.

Preventing Porch Theft

• Send your purchases to your workplace (if allowed), a friend, or a trustworthy neighbor. If you know you won’t be home, arrange for your packages to be delivered elsewhere or have someone you trust pick them up and hold them for you.
• Require a signature for expensive items. A delivery person won’t leave packages sitting outside of your home if no one is there to sign for them.
• Purchase anti-theft products. Deter thieves with inconvenience, such as lockable delivery bags and drop boxes, or invest in WiFi-enabled security cameras and motion sensitive lights.
• Rent a locker or delivery box. Some major online retailers offer delivery hubs with secure lockers. This option removes the convenience of home delivery, but it also removes the possibility of porch theft.

©The Security Awareness Company, LLC

Cybersecurity begins with strong physical security.

Lapses in physical security can expose sensitive company data to identity theft, with potentially serious consequences.

For example: An employee accidentally leaves a flash drive on a coffeehouse table.  When he returns hours later to get it, the drive-with hundreds of Social Security numbers saved on it-is gone.

Another employee throws stacks of old company bank records into a trash can, where a criminal finds them after business hours.

A burglar steals files and computers from your office after entering through an unlocked window.

Click here to learn more at the Federal Trade Commission.

https://www.ftc.gov/tips-advice/business-center/small-businesses/cybersecurity/physical-security

Cyber criminals target companies of all sizes.

Knowing some cybersecurity basics and putting them in practice will help you protect your business and reduce the risk of a cyber attack.

Click here to learn more at the Federal Trade Commission.

https://www.ftc.gov/tips-advice/business-center/small-businesses/cybersecurity/basics

A scammer sets up an email address that looks like it’s from your company.

Then the scammer sends out messages using that email address.  This practice is called spoofing, and the scammer is what we call a business email imposter.

Scammers do this to get passwords and bank account numbers or to get someone to send them money.  When this happens, your company has a lot to lose.  Customers and partners might lose trust and take their business elsewhere-and your business could lose money.

Please click here to learn more at the Federal Trade Commission.

https://www.ftc.gov/tips-advice/business-center/small-businesses/cybersecurity/business

The Federal Trade Commission raises consumer awareness about the threat posed by tax identity theft, a scam that puts thousands of consumers at risk every year.  Tax identity theft typically happens when a scammer files a fraudulent tax return using another individual’s social security number, receiving a refund electronically. A consumer typically discovers they have been a victim of tax identity theft when they go to file their own tax return, only to be informed by the Internal Revenue Service that a return has already been filed in their name.

An unexpected notice or letter from the IRS could alert you that someone else is using your SSN, however, the IRS doesn’t start contact with a taxpayer by sending an email, text or social media message that asks for personal or financial information. If you get an email that claims to be from the IRS, do not reply or click on any links. Instead, forward it to phishing@irs.gov.

Contact the IRS if they send you a notice saying their records show:

• you were paid by an employer you don’t know
• more than one tax return was filed using your Social Security number

Visit https://www.identitytheft.gov/ to report identity theft.

Click http://www.consumer.ftc.gov/articles/tax-related-identity-theft for further information.

If you have further questions, please do not hesitate to  contact us.

Protecting customer privacy, along with our customer’s financial assets, is at the core of our business.

The Bank will NEVER contact you by phone, e-mail or website to request your social security number, account number, passwords or PINs. However, if you call us, we may ask for information to confirm your identity. We encourage you to take steps to protect your confidential information as well, such as:

• Protect Your Personal Information:  Never disclose your account information, password, social security number or other financial data by phone or email unless you initiated the dialogue and know the organization you are dealing with. Store personal information in a safe place at home and at work. Create complex passwords that identity thieves cannot guess easily.
• Monitor your accounts: Use online and mobile banking to keep an eye on your transactions.   Review bank statements and credit card statements monthly for accuracy, and once a year review a copy of your credit report. Notify the bank immediately if there is any fraudulent activity.
• Report Lost/Stolen Cards: If you lose your bank or credit cards, immediately notify the bank, the credit card companies, the credit bureau and the police, if appropriate.
• Secure your internet connection. When shopping and banking online, make sure you do so from a secure password protected Wi-Fi network. Make sure that the web address begins with https://. Also, check to see if a tiny locked padlock symbol appears on the page. This means the website is secure. Never access online or mobile banking from a public Wi-Fi network.
• Proper Disposal:  Shred financial statements, old bank cards, receipts, all documents containing your personal information, etc. before discarding.

Automated banking has become a part of everyday life. It’s fast and convenient, both locally and when you travel. It is a good idea to review common sense safety guidelines, and take proper precaution when using your Salem Co-operative Bank Mastercard® Debit Card or ATM Card.

Protecting Your Card and Your Money

• Update your contact information with us. We can’t ask you about a suspicious charge unless we have your current phone number.
• Never write your Personal Identification Number (PIN) on or near your card. Memorize it!
• Never give your PIN to anyone and never tell it to anyone over the phone – no matter who the caller claims to be.
• Never give your card to anyone.
• Establish daily alerts in your online or mobile banking account for when your checking account is accessed.
• Keep your card away from heat, sunlight, or anything magnetized, and avoid scratches and dirt.
• Contact us to let us know of upcoming travel plans.

Protecting Yourself

• Be aware of your surroundings. Have your Debit Card or ATM Card and any paperwork ready before you get to the machine. Don’t let anyone see you enter your PIN.
• Be sure to take your receipt.
• If you think your Debit Card or ATM Card is lost or stolen, contact Card Services immediately by calling 844-421-1028 at any time.

If you have further questions, please do not hesitate to contact us.

IDENTITY THEFT is a crime. The Department of Justice defines Identity Theft and Identity Fraud as a crime in which someone wrongfully obtains and uses another person’s personal data in some way that involves fraud and deception, typically for economic gain. Valuable personal data includes your Social Security Number, your bank account number, your debit card and credit card numbers, and other identifiers that are unique to you.
 
If you think you are a victim of IDENTITY THEFT, please Contact Us immediately. You can also find helpful information at these websites:

• Department of Justice: https://www.justice.gov/criminal-fraud/identity-theft/identity-theft-and-identity-fraud 
• Federal Trade Commission: https://www.consumer.ftc.gov/features/feature-0014-identity-theft 
• FDIC’s consumer protection page: http://fdic.gov/consumers 

The Bank will NOT contact you by phone, e-mail or website to request your social security number, account number, passwords or PINs. However, if you call us, we may ask for information to confirm your identity.

• Remove mail promptly from your mailbox. Place a hold on your mail when you are away from home for several days. Identity thieves raid mailboxes to steal credit card offers and financial statements.
• Guard your Social Security number.  Never carry your Social Security number in your wallet or have it preprinted on your checks.  Give your Social Security number only when absolutely necessary.
• Guard other personal information. Do not give out or share personal information like your PIN, debit card, Social Security number, account numbers or credit card numbers over the phone or the internet unless you initiated the transaction. Be very careful with receipts.  Make sure you have them when you leave the store or ATM and do not throw them into a public trash receptacle. Thieves use these receipts to access your accounts.
• Review your credit card and bank statements. Promptly compare receipts with account statements. Watch for unauthorized transactions.
• Review your credit report once a year to be certain that it doesn’t include accounts that you have not authorized. You may obtain your free annual credit report by visiting https://www.annualcreditreport.com/  or by calling 877-322-8228. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.
• Shred receipts, credit offers, account statements, and expired credit cards to prevent “dumpster divers” from getting your personal information.
• Account for all new checkbooks when you receive them in the mail. If any checks are missing, report immediately. Keep new and canceled checks in a safe place. Do not carry around more checks, credit cards, or other bank items than you really need. Cancel all credit cards you no longer use.
• Block your ATM transaction with your body. Keep the keyboard from view and prevent someone from learning your PIN.
• Commit all passwords and personal identification numbers to memory. The less you have on paper, the less likely it is that someone will learn these numbers.
• Change your passwords if a company that you do business with has a breach of its databases.
• Create complex passwords that identity thieves cannot guess easily.
• Password protect your mobile devices.
• Install firewalls and virus-detection software on your home computer.

Contact your financial institutions and credit card companies to close your accounts. The FBI suggests that you place passwords (not your mother’s maiden name, etc.) on any new accounts you open.

Contact the three major credit bureaus (numbers shown below) to tell them your identity has been stolen. Request that a FRAUD ALERT be placed on your file and that no new credit be granted without your approval.

• EQUIFAX: 888-766-0008
• EXPERIAN: 888-397-3742
• TRANS UNION: 800-680-7289

Call the Social Security Fraud Hotline: 800-269-0271
Change all your passwords, especially with the banks you use online services with.
Contact all your creditors to let them know you have had an issue with ID Theft.
Contact your doctors and dentists to let them know you have had an issue with ID Theft.
Contact the Federal Trade Commission’s Identity Theft Hotline at 877-438-4338.  You can download a complaint form online at https://www.identitytheft.gov,  the agency’s website.

If you have further questions, please do not hesitate to contact us.

Here are some tips that will help you protect your personal privacy and financial security when using your mobile devices.

• Log out completely when you finish a mobile banking session.
• Protect your mobile devices from viruses and malicious software, or malware by installing the latest mobile security software.
• Protect access to your mobile devices in the event they are lost or stolen by creating and using strong, unique personal identification numbers (PIN).
• Use your device’s auto-lock feature. Do not have the application store your user ID and password or use the ‘remember me’ feature.
• Download the updates for your phone and mobile apps.
• Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
• Avoid storing sensitive information like passwords or a social security number on your mobile device.
• Never disclose sensitive information such as your password or account numbers. We will never ask you for your password.
• Monitor your transactions regularly so that you can spot and report fraud right away.
• Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
• Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. Be wary of ads (not from your security provider) claiming that your device is infected.
• Watch out for public Wi-Fi. Public connections aren’t very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
• Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
• Contact Us immediately if you suspect any fraud.
• Contact Us immediately if you change your phone number or lose your mobile device. If you lose your device, go to online banking through a PC and change your passwords immediately. Also contact your cell phone carrier immediately.

Phishing is a con used by high-tech criminals to facilitate one of America’s leading forms of fraud – identity theft. Basically, the scam uses unsolicited email (spam) to bait consumers into disclosing sensitive personal information such as social security numbers, account and routing numbers, credit card numbers, personal identification numbers, passwords, and other private data.

Be cautious of e-mails asking you for personal information. “Phishing” e-mails send users to phony websites where they are asked to update personal information such as social security, account numbers, passwords, credit card numbers, etc. Salem Co-operative Bank will never ask you to provide this information via e-mail.

Contact Us immediately if you suspect that you have fallen victim to “phishing” by providing private financial information to these scammers. You should also contact the major credit bureaus and let them know that your personal financial information may have been compromised. The three major credit bureaus are:

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion at 1-800-680-7289

If you would like to receive our pamphlet on Phishing, please Contact Us or pick one up at one of our branch offices.

Ransomware is a form of malware used by cybercriminals to freeze your computer or mobile device, steal your data and demand that a “ransom” typically anywhere from a couple of hundreds to thousands of dollars  be paid.

AVOID RANSOMWARE ATTACKS – INFORMATION FROM THE AMERICAN BANKERS ASSOCIATION (ABA)

Ransomware is a form of malware used by cybercriminals to freeze your computer or mobile device, steal your data and demand that a “ransom” —  typically anywhere from a couple of hundreds to thousands of dollars — be paid.

To combat the threat of ransomware, consumers are encouraged to use caution when opening emails or attachments they don’t recognize, back up their files, use popup blockers to avert unwanted ads and malware and keep operating systems security software up to date.

Businesses should also take proactive steps against ransomware by educating employees, managing the use of privileged accounts, having a data backup and recovery plan for all critical information and alerting law enforcement when faced with a possible attack.

If you have further questions, please do not hesitate to contact us.

Crooks use clever schemes to defraud millions of people every year. They often combine new technology with old tricks to get people to send money or give out personal information.

1. Spot imposters. Scammers often pretend to be someone you trust, like a government official, a family member, a charity, or a company you do business with. Don’t send money or give out personal information in response to an unexpected request — whether it comes as a text, a phone call, or an email.
2. Do online searches. Type a company or product name into your favorite search engine with words like “review,” “complaint” or “scam.” Or search for a phrase that describes your situation, like “IRS call.” You can even search for phone numbers to see if other people have reported them as scams.
3. Don’t believe your caller ID. Technology makes it easy for scammers to fake caller ID information, so the name and number you see aren’t always real. If someone calls asking for money or personal information, hang up. If you think the caller might be telling the truth, call back to a number you know is genuine.
4. Don’t pay upfront for a promise. Someone might ask you to pay in advance for things like debt relief, credit and loan offers, mortgage assistance, or a job. They might even say you’ve won a prize, but first you have to pay taxes or fees. If you do, they will probably take the money and disappear.
5. Consider how you pay. Credit cards have significant fraud protection built in, but some payment methods don’t. Wiring money through services like Western Union or MoneyGram is risky because it’s nearly impossible to get your money back. That’s also true for reloadable cards like MoneyPak, Reloadit or Vanilla. Government offices and honest companies won’t require you to use these payment methods.
6. Talk to someone. Before you give up your money or personal information, talk to someone you trust. Con artists want you to make decisions in a hurry. They might even threaten you. Slow down, check out the story, do an online search, consult an expert — or just tell a friend.
7. Hang up on robocalls. If you answer the phone and hear a recorded sales pitch, hang up and report it to the FTC. These calls are illegal, and often the products are bogus. Don’t press 1 to speak to a person or to be taken off the list. That could lead to more calls.
8. Be skeptical about free trial offers. Some companies use free trials to sign you up for products and bill you every month until you cancel. Before you agree to a free trial, research the company and read the cancellation policy. And always review your monthly statements for charges you don’t recognize.
9. Don’t deposit a check and wire money back. By law, banks must make funds from deposited checks available within days, but uncovering a fake check can take weeks. If a check you deposit turns out to be a fake, you’re responsible for repaying the bank
10. Sign up for free scam alerts from the FTC at https://www.consumer.ftc.gov/scam-alerts . Get the latest tips and advice about scams sent right to your inbox. If you spot a scam, report it at https://www.ftccomplaintassistant.gov/#crnt&panel1-1 . Your reports help the FTC and other law enforcement investigate scams and bring crooks to justice.

If you have further questions, please do not hesitate to contact us.

To minimize risks resulting from Identity Theft or Identity Fraud, we recommend the following precautions for our customers who use Online Banking:

Consumer electronic transactions are protected under Regulation E. In brief, “Reg E” sets rules, liabilities and procedures for electronic transactions and establishes consumer protections. A summary of your protections, rights, and liabilities under ‘Reg E” can be found in the brochure titled YOUR DEPOSIT ACCOUNT that we gave to you when you opened your account. If you would like another copy, please Contact Us or stop in at either of our branch offices, and we will provide you with another brochure.

Business electronic transactions are protected under the Uniform Commercial Code as well as by state laws. A summary of these protections, rights, and liabilities can be found in the brochure titled UNDERSTANDING YOUR BUSINESS ACCOUNTS which you received when opening your account. Contact Us to request another copy of this brochure.

Salem Co-operative Bank is committed to preserving and protecting your information and will NEVER telephone you, send you an email, or otherwise ask you for your Online Banking credentials on an unsolicited basis.

To minimize risks resulting from Identity Theft or Identity Fraud, we recommend using precautions listed below for our customers who use Online Banking.

• Review your accounts daily and Contact Us immediately of any suspicious transactions
• Make sure your Anti-Virus/Anti-Malware software is current
• Use firewalls on your computer to protect from outside intrusion or hackers
• Create strong sign-on ID and passwords, that is, use a combination of numbers and upper and lower case letters and special symbols
• Memorize your passwords and DO NOT share them with anyone
• Use a different sign-on ID and password for your financial websites
• Never open emails from unknown sources
• Never click on links if you do not know the source

In addition to the above, Business Online Banking customers can minimize their risks by:

• Using stand-alone computers for your Business Online Banking
• Scanning your network periodically to identify harmful programs
• Knowing what your employees are doing with their workstations and limit access to sites with high potential for fraud such as social networking, shopping, online gaming, etc.
• Educating employees periodically on the threats to your business and proper e-mail handling
• Performing a related risk assessment and controls evaluation periodically

Please Contact Us if you notice suspicious account activity or experience customer information security-related events.