Blog   Tagged ‘malware’

Cyber security: 10 tips for protecting yourself online

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Did you know that one in eight Internet users (or 378 million adults) became victims of cybercrime last year according to a Norton Cybercrime Report? Instead of avoiding the Internet – a nearly impossible task – make an effort to smarten up your online habits with our new Online Security Resource Center coming in November and these 10 ways to keep you safe on the Internet:

protect yourself online

  1. Keep your computers and mobile devices updated – Having the latest security software, web browser and operating system are the best defenses against viruses, malware and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
  2. Set strong passwords with at least eight characters in length and a mix of upper and lowercase letters, numbers and special characters.
  3. Use different passwords for every account – It may be easier to remember one password, but if the password and email address you use for one account gets in the hands of the wrong person, they will start trying it on other sites and services.
  4. Think before you click – Be vigilant about the links you click in an email, especially when they come from companies. Don’t click on odd Facebook messages with links. If your friend is sending the email, make sure it sounds like the person you know; otherwise his or her account could have been compromised.
  5. Watch out for phishing scams that use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with. Report phishing emails to the Federal Trade Commission (FTC).
  6. Keep personal information personal – Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc. Be wary of requests to connect from people you do not know.
  7. Secure your Internet connection – Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.
  8. Shop securely online – Avoid sending payment information or credit card numbers through email. Make sure all personal information transactions are done on a secure site. When shopping online, only use trusted, secure websites. And before providing any personal or financial information, make sure the address bar changes from an “http” to an “https” address and includes a yellow padlock logo to the right of the Web browser address bar. The “s” stands for “secure,” and if you double-click on the yellow padlock logo, you’ll see a digital certificate for the website. When shopping online, use credit cards, not debit cards. This will minimize the damage in the event of a compromised account.
  9. Read the site’s privacy policies – Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you don’t see or understand a site’s privacy policy, consider doing business elsewhere.
  10. Pay attention – It might seem obvious, but remember to keep your eyes open any time you’re using an Internet service.

Be sure to read the rest of our advice on protecting your mobile device and the ways cyber criminals try to steal your information.

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Source: American Bankers Association

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Ms. Flores serves as senior vice president and Chief Information Security Officer, providing oversight of UMB’s information security and privacy programs. She joined UMB in 2010 and has 16 years of experience in information technology and information security. She attended Kansas State University with a focus on management information systems and is a Certified Information Security Manager (CISM), Certified Information Privacy Professional (CIPP/US) and Certified Information Systems Auditor (CISA).



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Cyber security: 10 tips for protecting your mobile device

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Your mobile device provides convenient access to your email, bank and social media accounts. Unfortunately, it can potentially provide the same convenient access to criminals. As we continue National Cyber Security Awareness Month, remember to always follow these tips from the American Bankers Association in conjunction with the Stop.Think.Connect. campaign to keep your information – and your money – safe.

protect your mobile

  1. Use the passcode lock on your smartphone and other devices – This makes it more difficult for thieves to access your information if your device is lost or stolen.
  2. Protect your phone from viruses and malicious software just like you do for your computer by installing mobile security software.
  3. Use caution when downloading apps – Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
  4. Download the updates for your phone and mobile apps. These contain valuable security patches and fixes for vulnerabilities.
  5. Avoid storing sensitive information like passwords or a social security number on your mobile device.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. Report any suspected fraud to your bank immediately.

Next week we’ll share 10 tips to protect yourself online to wrap up National Cyber Security Awareness Month.

 

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Source: American Bankers Association

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Ms. Flores serves as senior vice president and Chief Information Security Officer, providing oversight of UMB’s information security and privacy programs. She joined UMB in 2010 and has 16 years of experience in information technology and information security. She attended Kansas State University with a focus on management information systems and is a Certified Information Security Manager (CISM), Certified Information Privacy Professional (CIPP/US) and Certified Information Systems Auditor (CISA).



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Cyber security: 10 ways cyber criminals try to steal information

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Did you know that 378 million adults were victims of cyber crime* and more than 13 million consumers suffered from identity theft** in 2013? October is National Cyber Security Awareness Month, and just as in previous years, we’ve joined other organizations, including the Department of Homeland Security to support the Stop.Think.Connect. campaign to help the American public better understand cyber threats and ways to be more safe and secure online.

This month, we’ll be bringing you a series of tips to help you stay safe when banking online, starting with today’s:

Capture

  1. Phishing – Phishing is a form of social engineering that uses a sense of urgency, personalization (often gleaned from information found on social media) or masquerades as a legitimate business to convince victims to provide information like bank account numbers, online banking user IDs and passwords or credit card information.
  2. Malware – Malicious software has evolved into stealthy, complex arsenals that are widely used and easily accessible to experienced cyber criminals and novice identity thieves alike. Malware can attach to browsers, steal keystrokes to send back to the attacker or intercept security codes on mobile devices – all of which can be used to steal your information.
  3. Email hijacking – You’ve all seen this one, even if you didn’t have a name for it. Remember when you received odd emails from your friends (which you hopefully deleted), later to get a frantic message from them saying “I was hacked!” Cyber criminals are able to hijack email accounts by guessing passwords, using phishing techniques or installing malware on the victims’ computers. Once they have access to your email account, the cyber criminal may be able to gain access to online banking or social media accounts. They may even begin emailing your contacts requesting money or account information, making you an unwilling accomplice to cyber crime.
  4. Mobile devices – Did you know that your mobile device is no different than your desktop or laptop computer when it comes to malware? Your mobile device can be infected just as your desktop or laptop would. In addition, mobiles devices can be easily lost or stolen. Once a device is obtained, the content of your device, browsing history, account IDs and passwords, may be accessed by the thief. In some cases, malware can even be planted on the stolen device and returned to obtain additional data. We’ll be bringing you more tips specific to your phone later this month.
  5. Eavesdropping – “Sniffing” is a common word used for searching out potential eavesdropping victims. One of the easiest places to sniff is an open Wi-Fi (Wi-Fi networks that don’t require a password) such as hotels, coffee shops and sporting arenas. Once a target is identified, cyber criminals can easily intercept personal or financial information being transmitted over the open Wi-Fi network. Cyber criminals will also set up their own unsecured Wi-Fi connection to lure unsuspecting victims.
  6. Online gaming –Playing games online can often involve a social network and customizable content requiring downloads or computer updates. These can be used to phish for personal or financial information or infect systems with malware. In many cases, online gaming accounts are tied to payment information as well.
  7. Drive-by downloads – It’s easier than you realize to become infected by malware. A drive-by is malware that is automatically downloaded to your computer or device. These downloads occur without your knowledge and don’t require you to click a file, button or link to begin. These infections can be delivered simply by viewing a website, checking an email or clicking a pop-up window.
  8. Merchant breaches – As we’ve seen in the news lately, these breaches occur when a merchant’s security system is compromised. Capable hackers are able to crack the security of the merchant and access large volumes of card or account data. This information can then be sold to create new cards for fraudulent use or commit other financial crimes.
  9. Pretext Calls – One of the oldest tricks in the book is the telephone scam. These veteran social engineers call posing as computer technicians offering to help update your computer, remove a virus or sell you software. Once they’ve established a rapport with the victim, they can ask for credit card or bank account information or direct them to a website to download malware.
  10. Dumpster diving – Believe it or not, this is still a common method of identity theft that happens when thieves go through garbage in search of financial statements, receipts and letters with personal information. Surprisingly, some people still toss personal data in the trash can rather than using a shredder or shred bin.

Next week, we’ll bring you 10 tips for protecting your mobile device.

 

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Sources: Buzz Hilestad, Principal Consultant Partner, Secure Healthcare Solutions

*American Bankers Association
**Javelin Strategy

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Ms. Flores serves as senior vice president and Chief Information Security Officer, providing oversight of UMB’s information security and privacy programs. She joined UMB in 2010 and has 16 years of experience in information technology and information security. She attended Kansas State University with a focus on management information systems and is a Certified Information Security Manager (CISM), Certified Information Privacy Professional (CIPP/US) and Certified Information Systems Auditor (CISA).



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We regret to inform you that your account has been compromised…now what?

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You can do everything right to secure your personal information, but your credit or debit card information can still be compromised. Unfortunately, retailers and restaurants can be victims of hackers just like individuals can. Except when an identity thief breaches a retailer’s point of sale (POS) system, more than one person is affected. The company’s system can hold hundreds, if not thousands, of card numbers and key card security details including card verification value (CVV) codes.

CVV Code

 

Exact location of the CVV number varies among the card brands. Consult your card’s instructions for the location of your card’s CVV code.

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Throughout a given year, you have a chance of having your information stolen in one of these security breaches. Reportedly 44.8 million records were breached in 2012. Companies continue to ramp up security measures and while they do a good job, the hackers find points of vulnerability and use malware to pull the credit/debit card information.

Fast food restaurants and small business systems are the most targeted. The high level of transactions makes fast food restaurants a prime target. Small businesses are usually targeted because they don’t always have the same robust security resources as bigger companies, but even large national retail chains can be a victim of these security issues.

When there is a security compromise at retailer or restaurant, it should not end up costing you any money. Your bank should take care of everything, from issuing you a new card and personal identification number (PIN) to recovering any lost funds.

Smart ChipThe current risk environment will not notably change until smart cards (also known as chip cards) are rolled out universally in the U.S. We should see this by the end of 2015. The chip card is different from the card with the magnetic stripe because there is a small microchip in the card with a dynamic security code continually changing, making it extremely difficult to counterfeit.

As a consumer, you have little control over these external events, but this shouldn’t stop you from using your credit/debit cards. You can help protect yourself, by regularly checking your online bank statements and taking advantage of any fraud alerts through SMS texting and emails offered by your bank. At the very least, check your paper statements each month for any suspicious activity. If you regularly monitor your accounts, you will be able to spot fraudulent activity and your bank can quickly fix the issue.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Mr. Hanson serves as vice president and fraud manager in Card Operations. He is responsible for providing fraud detections, prevention, and investigation services to UMB’s credit and debit card customers. He joined UMB in 2010 with more than 15 years of credit card fraud prevention experiences. He earned a Bachelor of Science in political science from the University of Utah in Salt Lake City, Utah and a Master of Arts in national security affairs from the Naval Post-Graduate School in Monterey, Calif.



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