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Commercial Banking
From startups to legacy brands, you're making your mark. We're here to help.
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Private Bank
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- Insights
- Cybersecurity
- Ransomware
- Developing a strong callback process
This article was originally published in Commercial Banking’s magazine, Cybersecurity: Technology and Tactics.
Criminals frequently impersonate chief financial officers, chief executive officers or known vendors in spoofed or compromised emails to convince employees to send money to bank accounts that the criminals control. Your company is liable for all losses incurred for payments that originate by using the security credentials of an authorized user. Unfortunately, if one of your employees releases a payment to a criminal, there’s no guarantee that you’ll be successful in recovering the funds. That’s why the callback process is such a vital step.
Developing a strong callback process reminds employees to authenticate a request before sending funds. By training employees to recognize potential schemes and validate suspicious activity—such as new bank account numbers for a known vendor—companies can often stop fraud before it’s too late.
Here are some best practices to follow:
- Always contact an email sender or trusted vendor (in person or by using a known telephone number) when you receive instructions to change bank account information. Never rely on contact information sent in an email or respond to the email request directly.
- Establish a tiered confirmation process to reduce vulnerability. For example, if an employee doesn’t perform the callback and instead asks another employee or manager to validate, they should follow a verification process to ensure protocols were followed.
- Never assume that the callback process was performed as expected—always confirm.
- Never release funds if you can’t validate the request, even if it’s marked urgent or time sensitive.
- Develop escalation protocols to use if an employee performs a callback but remains suspicious.
- Work with vendors to create shared protocols for validating email requests.
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5 ways to boost your kids’ fraud prevention savvy
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With the increasing complexity of fraud schemes, it’s important your kids understand how to keep their accounts and personal information safe.
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Does your business’ cybersecurity need some TLC? With cybercrime on the rise, it’s important to understand how you can keep your business accounts and assets well protected.
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Easy-to-use artificial intelligence tools may soon change our work and school lives. But they come with a host of new privacy threats. Here are some ways to help protect yourself.
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How small and midsize businesses can fight fraud with limited resources
Apr 26, 2024
Small and midsize companies are just as vulnerable to schemes like business email compromise, wire fraud and insider payments fraud.
Cybersecurity
4 callback do’s and don’ts to protect against BEC
Sep 28, 2023
Callbacks are essential to rooting out payments fraud. But this validation process can still go wrong. Here’s what to do—and what not to do.
Cybersecurity
It’s back-to-school season: Are you cyber prepared?
Aug 30, 2023
With a new school year on the horizon, now is a great time to make sure your family is staying as safe as possible online.
Fraud
Report: Most companies will experience fraud
May 26, 2023
The 2023 AFP Payments Fraud and Control Report shows fraud remains a serious matter for virtually every business. Register now for our upcoming webinar to learn more about the report—and how to protect your organization.
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