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Be vigilant and safeguard your business accounts against online threats.
Corporate Account Takeover (CATO) continues to be a significant threat to businesses. CATO is a type of fraud where thieves gain access to finances and financial information of a business to conduct unauthorized activities, such as stealing sensitive customer information, illegally transferring funds from the business, and creating and/or adding new fake employees to the payroll.
Here are some tips for preventing a corporate account takeover (CATO) and how to react if your company is victimized.
What to do if your business is victimized by CATO:
- Immediately shut down your computer systems that may be compromised, and disconnect those systems from internet access.
- If you suspect your business account has been a victim of a Corporate Account Takeover, please contact Transcend Credit Union at (502) 459-3000 and immediately take the following actions:
- Disable online access to accounts.
- Change online banking passwords.
- Request that the security and auditing departments review all recent transactions and electronic authorizations involving the account(s) in question.
- Ensure that no one has requested an address change, or re-ordered checks and/or debit cards to be sent to a different address.
- Maintain a written chronology of what happened, what was lost, and the steps taken to report the incident to the Credit Union and any other parties, such as authorities and firms that could be impacted. Record the date, time, telephone number, person spoken to, and any other relevant information.
- File a report with the police and any other relevant investigative agency regarding the intrusion. Having a police report on file will help when dealing with the bank, insurance companies, and any other parties who have been notified of the fraudulent activity.
Steps you can take to help prevent CATO and your business:
- Educate your employees at least annually about online fraud and how to prevent it. Review risky online behavior, such as visiting social media website and opening unsolicited e-mails and e-mail attachments. Show employees examples of suspicious websites and malicious software. New employees should receive this information shortly after joining your company.
- Monitor accounts daily.
- Reconcile accounts daily.
- Change passwords at least monthly. Use strong passwords that include a combination of symbols, numbers, and letters. Use a different password for each account, and don't save passwords to a computer.
- Be aware that Transcend Credit Union will never ask for sensitive information, such as User ID or password, over the phone or in an email.
- Instruct employees to never use a public computer or public Wi-Fi network to access the business' online systems.
- Log out of computers when not in use.
- Equip all computers with the latest security and anti-virus software.
- Install security updates promptly.
- Ensure that adequate firewalls are in place.
- Do not allow automatic login features, such as those that save login IDs and passwords fro future use.
- Restrict administrative rights to computers.
Visit the following websites to learn more about how to protect your small business:
- Federal Communications Commission: 10 Cybersecurity Strategies for Small Businesses
- Better Business Bureau: Data Security Made Simpler