Independent Banker - February 2024 - 26
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" We see that when there's
something big in the news or
something going on in the world,
criminals will shift their bait to
manipulate your emotions. "
-STEVEN ESTEP, ICBA
question of legitimacy, it's best to stop,
take a breath and reach out. There's
never shame in asking for help. "
Preventive steps
Well before a cybercrime occurs,
community banks can take
preventive steps to keep customers
safe. For instance, Sando advises
bankers to make their websites
" a hub where consumers can go
to easily find information when
they suspect something is wrong. "
Prominently posting your bank's
contact information helps, too.
Community bankers can also
educate customers on good cyber
hygiene-everything from regularly
updating passwords to using
multifactor authentication and
never clicking on a link without first
checking the source.
Another kernel of wisdom comes
from the Federal Trade Commission
(FTC): " Don't give away your FSA ID
login information. " Only scammers
would ask for Federal Student Aid
(FSA) login information, says the FTC,
and " if you share it, the scammer can
cut off contact between you and your
servicer-and even steal your identity. "
" The fact is, " says Armeson, " we
live in a day and age where if you're
getting any kind of unsolicited
communications-text, email,
calls and/or mail-you need to
verify before giving any money or
personal information. Artificial
intelligence is also making it easier for
communications to look legitimate. "
If a customer does end up providing
information to a suspicious link,
Armeson recommends they go to their
bank's official website and change
their password in addition to notifying
their bank.
QUICK STAT
$1.75T
The total amount of federal and
private student loan debt in the U.S.
Source: Forbes
Elizabeth Judd is a writer in Maryland.
leewayinspections.com/icba
(916) 714-9400
Depending on what's occurred,
notifying the FBI may also make
sense, and the FTC encourages contact
through reportfraud.ftc.gov.
Student loan debt is arguably the
cybercrime du jour, but the landscape
keeps changing.
" Right now, student loans are just
the bait that cybercriminals are using,
but that won't always be the case, "
concludes ICBA's Estep. " In a couple of
months, it will be tax season, and there
will be a bunch of those scams, too. "
http://reportfraud.ftc.gov
http://www.leewayinspections.com/icba
Independent Banker - February 2024
Table of Contents for the Digital Edition of Independent Banker - February 2024
Contents
Independent Banker - February 2024 - Cover1
Independent Banker - February 2024 - Cover2
Independent Banker - February 2024 - Contents
Independent Banker - February 2024 - 2
Independent Banker - February 2024 - 3
Independent Banker - February 2024 - 4
Independent Banker - February 2024 - 5
Independent Banker - February 2024 - 6
Independent Banker - February 2024 - 7
Independent Banker - February 2024 - 8
Independent Banker - February 2024 - 9
Independent Banker - February 2024 - 10
Independent Banker - February 2024 - 11
Independent Banker - February 2024 - 12
Independent Banker - February 2024 - 13
Independent Banker - February 2024 - 14
Independent Banker - February 2024 - 15
Independent Banker - February 2024 - 16
Independent Banker - February 2024 - 17
Independent Banker - February 2024 - 18
Independent Banker - February 2024 - 19
Independent Banker - February 2024 - 20
Independent Banker - February 2024 - 21
Independent Banker - February 2024 - 22
Independent Banker - February 2024 - 23
Independent Banker - February 2024 - 24
Independent Banker - February 2024 - 25
Independent Banker - February 2024 - 26
Independent Banker - February 2024 - 27
Independent Banker - February 2024 - 28
Independent Banker - February 2024 - 29
Independent Banker - February 2024 - 30
Independent Banker - February 2024 - 31
Independent Banker - February 2024 - 32
Independent Banker - February 2024 - 33
Independent Banker - February 2024 - 34
Independent Banker - February 2024 - 35
Independent Banker - February 2024 - 36
Independent Banker - February 2024 - 37
Independent Banker - February 2024 - 38
Independent Banker - February 2024 - 39
Independent Banker - February 2024 - 40
Independent Banker - February 2024 - 41
Independent Banker - February 2024 - 42
Independent Banker - February 2024 - 43
Independent Banker - February 2024 - 44
Independent Banker - February 2024 - 45
Independent Banker - February 2024 - 46
Independent Banker - February 2024 - 47
Independent Banker - February 2024 - 48
Independent Banker - February 2024 - 49
Independent Banker - February 2024 - 50
Independent Banker - February 2024 - 51
Independent Banker - February 2024 - 52
Independent Banker - February 2024 - 53
Independent Banker - February 2024 - 54
Independent Banker - February 2024 - 55
Independent Banker - February 2024 - 56
Independent Banker - February 2024 - 57
Independent Banker - February 2024 - 58
Independent Banker - February 2024 - 59
Independent Banker - February 2024 - 60
Independent Banker - February 2024 - 61
Independent Banker - February 2024 - 62
Independent Banker - February 2024 - 63
Independent Banker - February 2024 - 64
Independent Banker - February 2024 - 65
Independent Banker - February 2024 - 66
Independent Banker - February 2024 - 67
Independent Banker - February 2024 - 68
Independent Banker - February 2024 - 69
Independent Banker - February 2024 - 70
Independent Banker - February 2024 - 71
Independent Banker - February 2024 - 72
Independent Banker - February 2024 - 73
Independent Banker - February 2024 - 74
Independent Banker - February 2024 - 75
Independent Banker - February 2024 - 76
Independent Banker - February 2024 - 77
Independent Banker - February 2024 - 78
Independent Banker - February 2024 - 79
Independent Banker - February 2024 - 80
Independent Banker - February 2024 - Cover3
Independent Banker - February 2024 - Cover4
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