Hacked! 5 Things Every Advisor Must Know About...
Transcript of Hacked! 5 Things Every Advisor Must Know About...
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Presenter:
Sean Bailey
Editor in Chief
Horsesmouth
Hacked! 5 Things Every Advisor Must
Know About Cybersecurity
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Presentation Goals:
Overview: The Growing Cyberthreat
Survey: Advisors and Cybersecurity
Digital Life: Anatomy of an Email Hack
Action: How to Make Clients Safer
Introduction: The Savvy Cybersecurity Program
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Something Happened
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CryptoWall
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Ransomware:
“Malware for data kidnapping, an
exploit in which the attacker encrypts
the victim's data and demands
payment for the decryption key.”
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The Growing
Cyberthreat
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144 Billion Spam
Messages Sent Daily
Source: Agari Phishing Study
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100,000 New Malware
Samples Every Day
Source: Mcafee: State of Malware
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91.9 Million Records
Exposed in 619 Data
Breaches in 2013…
Source: Identity Theft Resource Center
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1.2 Billion Records
Stolen by Russian
Hackers
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1 in 3 Data Breach
Victims Later Suffers
From Identity Theft
Source: Javelin Strategy and Research:
2013 Identity Fraud Report
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500,000 Children Are
Affected by Identity
Theft per Year
Source: Child Identity Theft: What Every Parent
Needs to Know by Robert Chappell Jr.
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Over $1 Billion is
Illegally Withdrawn From
Skimming or Rigged
ATMs Annually
Source: US Secret Service
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50% of Passwords Are
Considered Weak
Source: Imperva’s Report: Consumer
Password Worst Practices
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$5 Billion Issued in
Fraudulent Tax Returns
in 2013
Source: Audit by the Treasury Inspector
General for Tax Administration)
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24% of PCs Are Not
Protected by Up to Date
Anti-Virus Software
Source: Microsoft’s Security Intelligence
Report, Volume 14
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Advisors and
Cybersecurity
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Have any clients been fraud victims?
Yes 52%
No 48%
More than half of
advisors surveyed have
had clients who
suffered from fraud.
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Have you suffered from fraud?
Yes 41%
No 59%
However, the majority of
advisors have not
personally suffered
from fraud.
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What advisors do for defrauded
clients
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Credit report checks
Yes 66%
No 34%
Two-thirds of advisors
encourage their clients
to check their credit
reports for fraud.
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Advisors feelings about fraud
89%
6% 5%
I'm concerned for both myself and my clients.
I'm concerned mostly for my clients.
I'm not concerned about this issue.
The vast majority of
advisors are worried
about fraud for their
clients, and also
themselves.
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Fraud presentations
16%
84%
Have made fraud presentation
Have not made fraud presentationWhile the majority of
advisors are concerned
about fraud, 84% of
advisors have not made
a presentation about
fraud to clients.
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Incorporating Fraud Education
23%
3%
74%
Not sure No Yes Three in four advisors
believe that fraud
protection and
education should be
an aspect of what they
do.
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Role Advisors Should Play
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Advisors’ Level of Knowledge
21%
49%
30%
I know what to do to stay safe
I feel safe but that feeling has been erodedin recent yearsI feel less safe and think I should do more toincrease my security.
About half of advisors
surveyed feel safe but
their confidence on the
subject has decreased
in recent years.
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Protecting Clients’ Data
87%
13%
Encrpyt files Do not encrypt filesThe majority of advisors
surveyed do encrypt
electronic files that
contain clients’
personal data.
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Advisors’ Password Security
• 84% of advisors use one or more special characters
in their key work passwords
• 21% use names of family members, city of birth,
favorite team, or “password” as their password
• 17% of advisors use dictionary words as their work
password
• 10% use consecutive numbers in their password
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Smartphone and Tablet Security
• About half of advisors store client
contacts in their smartphone and
82% have a password on the
opening screen of their phone.
• A quarter of advisors store client
contacts on their tablet with 62%
protected by a password on the
opening screen.
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How Often Advisors Change
Passwords
4%
38%
58%
Never Occassionally RoutinelyMore than half of
advisors have a set
pattern of when they
change their
passwords.
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Personal Security Measures Taken by
Advisors
• 86% use a shredder to discard personal financial
statements
• 57% review their credit file once a year
• 13% use verbal passcodes for some or all bank/credit
card accounts
• 12% have a locked credit file
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Digital Life: Anatomy of
an Email Hack
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“It has been said that if you own a person’s
email, you own the person. This means that
once your email is hacked, pretty much your
entire digital life is up for grabs...”
- Robert Siciliano, CEO of IdentityTheftSecurity.com
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“…So even if you’ve done your due diligence
to have all your passwords be different, if
your email is hacked and it is associated
with your other online accounts, the hacker
could simply use a reset password and get
access to all your other accounts.”
- Robert Siciliano, CEO of IdentityTheftSecurity.com
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Your Digital Life: More Than Just Money
Digital
Life Private Life
Public Life
Medical Life
Commercial Life
Social Life
Financial Life
Business Life
Community Life
Technical Life
Source: KrebsOnSecurity
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You’ve Been Hacked!
• Correspondences
• Names
• Addresses
• Phone numbers
• Emails
• Birthdates
• Passwords
• Appointments
• Calendars
• Photos
• Recordings
• Videos
Private
Life
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You’ve Been Hacked!
• Affiliations
• Support of causes/organizations
• Donations
• Petitions
• Discussion comments
• Posts and Likes
• Web history
Public
Life
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You’ve Been Hacked!
• Amazon
• Airlines
• E-Bay
• UPS/Fed-Ex
• Walmart
• iTunes
• Netflix
• Skype
• Cellphone
• Dropbox
• Evernote
• Mileage & Points
accounts
Commercial
Life
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You’ve Been Hacked!
Social
Media
• Flickr
• YouTube
• Monster
• Disqus
Social
Media
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You’ve Been Hacked!
• Checking
• Savings
• Debit
• Direct Deposit
• Credit Card
• PayPal
• Insurance
• Loans
• Mortgage
Financial
Life
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You’ve Been Hacked!
• Doctors
• Medical tests
• Drugs/prescriptions/medications
• Health insurance
• Dental
• Appointments
• Health card numbers
Medical
Life
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You’ve Been Hacked!
• Business contacts
• Emailed or forwarded
company documents
• Meeting notes
• Customers/clients
• Competitors
• Competitive
intelligence
• Credit
• CRM
• Expense reports
• Travel
• Purchases
• Employee reviews
• Salary records
• Secret/sensitive files
• Network access
• Contacts
• Business plans
Commercial
Life
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You’ve Been Hacked!
• Executive leadership
• Donations
• Contributors
• Meeting minutes
• Strategic documents
• Volunteers
• Capital plans
• Endowment
• Staff contacts
• Correspondence
• Financials
Community
Life
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You’ve Been Hacked!
• Software keys
• File hosting
• Network info
• Wireless passwords
• Cloud accounts
Technical
Life
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How to Make Your
Clients Safer
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This is the Challenge
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Before After
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People Need Someone
to Guide Them to Be
More Secure
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89% of Advisors
Concerned About
Themselves and Clients
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84% of Advisors Have
Never Made a Client
Presentation on Fraud
Dangers
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74% of Advisors Believe
Fraud Protection/
Education Should Be a
Part of What They Do for
Clients
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Challenge: How to
Effectively Shift Clients
from Low Security to
High Security
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Strategy: Interactive
Cybersecurity
Presentation
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1 Hour to Savvy Cybersecurity:
10 Threats Every Person and
Business Faces—and How to
Fight Them
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How It Works
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Clients Measure Their
Own Cybersecurity
Score…
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Cybersecurity Scorecard Y/N
Credit: I know the difference between putting my credit files on monitor, alert, or freeze AND I’ve had my minor children’s names searched at the credit bureaus.
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N
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Demonstration
of
Threat #4
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Your Passwords Are Weak, Easily
Hacked
• 50 percent of all passwords
considered weak
• Common, weak passwords:
“123456” or “password”
• Others: birthdates, names,
pet names, team names
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Response:
Use Strong Passwords and Change Frequently • Include letters, numbers and
symbols/characters
• Change passwords every six
months
• Add two-factor authentication
• Password managers
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Password-Safe Tip: Use a Mnemonic Phrase • Create strong password with 1
letter per word
• Ex: prayer, poem, lyric or
phrase
• Knock out letters, replace with
symbols
• Ex: “Jack and Jill went up the
hill to fetch a pail of water.”
becomes: J&Jw^thtf@p0w
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Goal-Setting Passwords
Source: Huffington Post
Run everyday Run3v3ryd@y
Eat more fruit 3@t>fru1t
No more soda N0m0r3s0d@
Save for house $@v34h0u$3
Get outside G3t@0ut$!d3
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Savvy Cybersecurity Action: Passwords
• Estimated Time: 5
minutes
• Estimated Cost:
Free
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Savvy Cybersecurity Alert
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Goal
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Password Symbol Conversion Chart
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Back to the
Demonstration
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1 Hour to Savvy Cybersecurity:
10 Threats Every Person and Business
Faces—and How to Fight Them Now
Advisor Name Advisor Practice Name
DISCLAIMERS
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Have You
Ever Worried
About
Being Hacked?
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The Unseen Cyber Attack You Face
Each Day • 52 trillion emails sent
each year
• 144 billion each day
• 90% of all email is spam
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Evolving Cybersecurity Attacks
Early 2000s Today • Mostly malicious • Malicious, criminal,
espionage, warfare, terrorism
• Done for sport and notoriety • Done for variety of motives
• Amateurs • Amateurs, professionals, governments
Source: Craig Mundie, Microsoft
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Mind-Boggling Array of Terms
Juicing
Attack
PHISHING
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“We Should Be
Super-Worried.”
--Craig Mundie, Microsoft
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U.S. Cyber Command Formed as Part
of U.S. Strategic Command
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Banks Dreading Computer Hacks
Call for Cyber War Council
—Bloomberg News, July 2014
• Account balances
converted to zeros
• Fear of bank runs
• No plan or protection
in place
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Cybercrime and Business
NC Bank Sues Cyberheist Victim to
Recover Funds
Wash. Hospital Hit By $1.03 Million Cyberheist
Missouri Court Rules Against $440,000 Cyberheist Victim Attack on Bank Hid $900,000 Cyberheist
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Cybersecurity Knowledge Gap
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Another Presentation Excerpt
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How to Boost Your
Cybersecurity
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This Is the Challenge
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How It Works
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Sample Savvy Cybersecurity
Reference Guide
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25
Partial Savvy Cybersecurity Scorecard
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Your Cybersecurity Rating
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Principles of Savvy Cybersecurity
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Partial Cybersecurity Checklist
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Your Action Plan
Sign and date your Action Plan commitment for best results.
Update all software on computer/laptop.
Set up text alerts for debit card.
Request and review copy of credit report.
Joe Smith
8/3/14
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Savvy Cybersecurity
Countdown:
Top 10 Threats
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Your Brain
and
Cybersecurity
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The Two Sides of Security
“Security is both a
feeling and a reality. And
they’re not the same.” - Bruce Scheiner
1.: Feelings 2,: Reality
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Problem:
You can FEEL SECURE even
though YOU ARE NOT.
“Our feeling of security
diverges from the reality of
security, and we get things
wrong.”
- Bruce Schneier
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Psychology of Security Disconnect
1. People don’t think they’re at risk (Optimism Bias).
2. People are unmotivated.
3. Security is invisible and unrewarded.
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Judging Risk: What’s the Trade-off?
• How severe is it?
• How likely is it?
• How big is the possible
damage?
• How effective are the
countermeasures?
• How much can I risk?
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Security Trade-offs of the Past
• Smoking: filters, warnings,
bans
• Homes: locks, alarms,
webcams
• Cars: seat belts, air bags,
driverless?
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Irrational Security Tradeoffs
Flying: hundreds killed Driving: 40,000 killed VS
Al Queda terrorist Burgular
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2 Brain Systems for Reacting to Risk
• Primitive, intuitive system
(amygdala)
• Advanced analytic system
(neocortex)
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Failure of Our Perception of Risk
New problems have occurred at a
faster rate than evolution…
We face situations today that
didn’t exist in the world of 10,000
BC.
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Cybersecurity and the Click
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Your Brain and Dopamine
• Critical to brain function
• Causes us to want, desire,
seek out, and search
• Makes us curious about
ideas and fuels our
searching for information
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The Age of Clicking
The TV remote: Technology’s first dopamine delivery device .
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The Computer and the Click
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“The dopamine system does not have satiety
built into it…It can lead us to irrational wants,
excessive wants we’d be better off without.
“So we find ourselves letting one Google
search lead to another…As long as you sit
there, the consumption renews the appetite.”
- Kent Berridge, professor of psychology, University of Michigan
On Dopamine and Google Searches
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Gadgets: the New Dopamine Delivery
Device
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Clicking and the Fatigue Factor
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More Devices, More Clicking, More Points of Entry for Cybercriminals • 1970s: Zero
• 1993: 2 million connected
to the Internet
• 2013: 1.15 billion devices
connected to the Internet
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First Step to Security
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Clean and Update Your Computer
First… • Before taking steps to
increase your security on
your computers/devices
you must:
– Run anti-virus and anti-
malware scans
– Update all software and
programs
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Then Tackle Passwords
• Ensure there is no
malware running in the
background of your device
• Then, change your
passwords and add other
security measures such as
2-factor authentication
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LIFELOCK
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Lifelock vs. Savvy Cybersecurity
• Lifelock costs $100-
$329/year
• You can do everything they
offer yourself for a much
smaller fee
• Lifelock’s $1 million
guarantee— doesn’t
account for time, stress,
and emotional damage
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Lifelock vs. Savvy Cybersecurity LIFELOCK SAVVY CYBERSECURITY
1. Credit monitoring Credit freeze
2. Credit card, checking and
savings account activity alerts
Sign up for text/email alerts
3. Lost or stolen wallet- Cancel
affected cards.
Call bank and credit card
companies and cancel cards
4. Reduced pre-approved credit
card offers
Sign up for Do Not Mail list
(www.dmachoice.com) and opt out of
prescreened credit card offers
(www.optoutprescreen.com)
5. Fictitious identity monitoring Credit freeze
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Lifelock vs. Savvy Cybersecurity LIFELOCK SAVVY CYBERSECURITY
6. Online annual credit report Order free credit report from the
credit bureaus
7. Bank account takeover alerts Sign up for text/email alerts
8. Credit inquiry activity Credit freeze
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Cybersecurity Myth
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Why Worry?
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Example: Choice Escrow and Land Title,
LLC • 2009 cyberheist at Missouri,
Choice Escrow and Land Title
• Hacker was able to log in to
company’s Bancorp South’s
online banking
• Wired $440,000 out of account
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Choice Escrow vs. Bancorp South • Choice Escrow argued that the
bank did not have strong enough
security features
• Bank argued that the Escrow
firm had turned down “dual
control” which would have
required two separate user IDs
and passwords to approve wire
• Bank won the case. Choice
Escrow was responsible for the
missing $440,000 from their
account
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Introducing
Savvy Cybersecurity
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Interactive Seminar Presentation:
“1 Hour to Savvy Cybersecurity: 10 Threats Every
Person and Business Faces—and How to Fight Them Now”
• A customizable Powerpoint
presentation and speakers
notes (70 + slides; speaker
notes page)
• ($497 value) Technical
Life
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Savvy Cybersecurity Quick Reference Guide, 2015
• This two-sided reference
includes: a personal Savvy
Cybersecurity Scorecard; a
Cybersecurity Checklist; and
a “My Action Plan”
• 50 hard copies
• ($197 value)
Technical
Life
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Savvy Cybersecurity E-Newsletters
• Savvy Cybersecurity Watch: Get the latest, best informed newsletter on new scams and frauds, and what to do to prevent them, with links to resources you can share with clients (monthly)
• Savvy Cybersecurity Alert: When word of serious, widespread new scams hit, we’ll send you an email alert with the latest details so you can share immediately with your clients and other people in your network
• ($197 value)
Technical
Life
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Article Reprints (PDF)
• Finra-reviewed article reprints
you can personalize and use
as part of your marketing and
client communications.
• Each article focuses on
important security measures
clients should consider in
order to maintain the best
safety measures possible.
• ($588 value)
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Marketing Toolkit
• Everything you need to
promote your Savvy
Cybersecurity presentation
in your community:
• Flyer, Email, Press Release
• FINRA reviewed
• ($375 value)
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Special Offer
![Page 130: Hacked! 5 Things Every Advisor Must Know About Cybersecurityimages.horsesmouth.com/gfx/pdf/cswebinar_11-5-14.pdf · 2014-11-06 · once your email is hacked, pretty much your ...](https://reader036.fdocuments.us/reader036/viewer/2022081522/5fb740bc015bd14b1439025f/html5/thumbnails/130.jpg)
Get Savvy Cybersecurity
for $497
Deadline: $597 after Dec. 5th