Independent Banker - May 2020 - 33

" This is a multibillion-dollar business for
scammers, and it isn't going away. Make
a plan, and it's OK to start small. "
-Debbie L. Sundall,
Farmers Trust & Savings Bank
potential and existing customers.
So, how should community banks go
about starting such a program?
" You have to first develop a relationship
with your customers. Then comes
the trust, " says Debbie L. Sundall,
senior vice president at $350 million-asset
Farmers Trust & Savings
Bank in Spencer, Iowa. " Customers
then come to realize that, 'If my bank
is offering something, I probably need
to be educated on it.' "
Sundall, who heads her community
bank's cybersecurity education program,
says her most recent event drew
close to 300 people. The group was so
large that Farmers Bank accommodated
the crowd at an events center
located at the local fairgrounds. That
said, it's taken plenty of work to get to
that point.
" Don't expect instant success, " says
Rayleen M. Pirnie, founder and primary
consultant of RP Payments Risk
Consulting Services, a consulting firm
in Kansas City, Mo., that specializes in
helping payments participants identify
and mitigate risk, including fraud.
" Very few banks realize immediate
success, " she adds. " You will probably
only get two dozen or so the first couple
of times. "
Farmers Bank began offering its
cybersecurity program seven years
ago after Sundall noticed an uptick
in fraudulent activities reported by
the community bank's individual
and business customers. At the time,
she reached out to Pirnie to create
a program focused on customer
cybersecurity. But it is just one piece
of the bank's cybersecurity education
program. Staff and customers receive
resources throughout the year that
help raise awareness about new scams
and how to respond.
As part of RP Payments' offering,
Pirnie distributes cybersecurity
pamphlets, flyers and posters to her
banking clients, who then pass them
on to customers. She urges community
banks to access resources, many
of which are free, from reputable
organizations like the Federal Trade
Commission (FTC), the FBI and
cybersecurity consultants.
" Cybersecurity education should
be an ongoing process, " says John
Moeller, principal, financial institutions
for CliftonLarsonAllen, LLP and
a former Graduate School of Banking
at Colorado instructor in information
technology.
Before starting any cybersecurity
education program, Moeller says
community bank executives and
branch staff should understand the
threats and how to address them.
Setting up your program
The cybersecurity topics you include
in your program will depend on your
bank's audience and their needs. Topics
that may resonate with a rural
audience may fall flat with East Coasters.
It's important to start with the
basics, however.
At a minimum, Pirnie says, community
banks should start by identifying
realistic threats, highlighting red flags
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Independent Banker - May 2020

Table of Contents for the Digital Edition of Independent Banker - May 2020

Table of Contents
Independent Banker - May 2020 - Cover1
Independent Banker - May 2020 - Cover2
Independent Banker - May 2020 - Table of Contents
Independent Banker - May 2020 - 2
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