Independent Banker - October 2017 - 11

Sheltered Harbor: a primer
A voluntary industry initiative undertaken by the US fi nancial
services sector, Sheltered Harbor protects fi nancial
institutions and their customers from cyberattack fallout.
Carlos Recalde, Sheltered Harbor COO, and Jeremy
Dalpiaz, ICBA assistant vice president for cyber and data
security policy, explain how Sheltered Harbor benefi ts
community banks.
IB: How does the Sheltered
Harbor platform work?
Carlos Recalde: What we are
trying to do is protect all fi nancial
institutions' consumer accounts. We
care about the signifi cant data associated
with these accounts. We identify the bank's customers,
how much money they have in their accounts and the
critical data to protect. The bank then agrees to capture
and save the defi ned critical data in an isolated vault every
Carlos Recalde
day. Some put it in an old-style vault, and some store it in
a cloud-based service. It is critical that this vault is from
the fi nancial institutions' computer systems, so if they go
dark, we still have the data needed to support the
consumer's accounts.
IB: Why should community banks join
Sheltered Harbor?
Jeremy Dalpiaz: Community banks are seen
as a trusted fi nancial partner, and securing data
is a fundamental element of this trust relationship.
Showing you are prepared for a disaster underscores the
community bank commitment to that trusted relationship.
Participants are being proactive with their customers and
regulators in showcasing their disaster relief plan.
To learn more, visit shelteredharbor.org.
_______________
-Sara Schlueter
Jeremy Dalpiaz
Timeline: Cybersecurity
1988
Written by a Cornell graduate
student, the Morris Worm is
the fi rst computer virus to be
distributed via the internet.
It leads to the fi rst felony
conviction in the US under
the 1986 Computer Fraud and
Abuse Act.
The Morris Internet Worm source code
2005-2007
A criminal network steals
credit card information
from 45.7 million
customer cards at
the US company
TJX, which owns
retailer T.J. Maxx.
2017
As of June, 45 to 50 percent
of US transactions involve
EMV chip cards, according
to the US Payments Forum.
1994
2003
The Netscape browser
develops and implements
the Secure
Sockets Layer (SSL)
protocol
to encrypt
online
transactions.
The National Cyber
Security Division
offi cially begins
operations.
To learn how to
help your customers'
mitigate
identity theft,
turn to page 75.
independentbanker.org ICBA IndependentBanker
11

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Independent Banker - October 2017

Table of Contents for the Digital Edition of Independent Banker - October 2017

Table of Contents
Independent Banker - October 2017 - Intro
Independent Banker - October 2017 - Cover1
Independent Banker - October 2017 - Cover2
Independent Banker - October 2017 - Table of Contents
Independent Banker - October 2017 - 2
Independent Banker - October 2017 - 3
Independent Banker - October 2017 - 4
Independent Banker - October 2017 - 5
Independent Banker - October 2017 - 6
Independent Banker - October 2017 - 7
Independent Banker - October 2017 - 8
Independent Banker - October 2017 - 9
Independent Banker - October 2017 - 10
Independent Banker - October 2017 - 11
Independent Banker - October 2017 - 12
Independent Banker - October 2017 - 13
Independent Banker - October 2017 - 14
Independent Banker - October 2017 - 15
Independent Banker - October 2017 - 16
Independent Banker - October 2017 - 17
Independent Banker - October 2017 - 18
Independent Banker - October 2017 - 19
Independent Banker - October 2017 - 20
Independent Banker - October 2017 - 21
Independent Banker - October 2017 - 22
Independent Banker - October 2017 - 23
Independent Banker - October 2017 - 24
Independent Banker - October 2017 - 25
Independent Banker - October 2017 - 26
Independent Banker - October 2017 - 27
Independent Banker - October 2017 - 28
Independent Banker - October 2017 - 29
Independent Banker - October 2017 - 30
Independent Banker - October 2017 - 31
Independent Banker - October 2017 - 32
Independent Banker - October 2017 - 33
Independent Banker - October 2017 - 34
Independent Banker - October 2017 - 35
Independent Banker - October 2017 - 36
Independent Banker - October 2017 - 37
Independent Banker - October 2017 - 38
Independent Banker - October 2017 - 39
Independent Banker - October 2017 - 40
Independent Banker - October 2017 - 41
Independent Banker - October 2017 - 42
Independent Banker - October 2017 - 43
Independent Banker - October 2017 - 44
Independent Banker - October 2017 - 45
Independent Banker - October 2017 - 46
Independent Banker - October 2017 - 47
Independent Banker - October 2017 - 48
Independent Banker - October 2017 - 49
Independent Banker - October 2017 - 50
Independent Banker - October 2017 - 51
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Independent Banker - October 2017 - 53
Independent Banker - October 2017 - 54
Independent Banker - October 2017 - 55
Independent Banker - October 2017 - 56
Independent Banker - October 2017 - 57
Independent Banker - October 2017 - 58
Independent Banker - October 2017 - 59
Independent Banker - October 2017 - 60
Independent Banker - October 2017 - 61
Independent Banker - October 2017 - 62
Independent Banker - October 2017 - 63
Independent Banker - October 2017 - 64
Independent Banker - October 2017 - 65
Independent Banker - October 2017 - 66
Independent Banker - October 2017 - 67
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Independent Banker - October 2017 - 69
Independent Banker - October 2017 - 70
Independent Banker - October 2017 - 71
Independent Banker - October 2017 - 72
Independent Banker - October 2017 - 73
Independent Banker - October 2017 - 74
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Independent Banker - October 2017 - 76
Independent Banker - October 2017 - 77
Independent Banker - October 2017 - 78
Independent Banker - October 2017 - 79
Independent Banker - October 2017 - 80
Independent Banker - October 2017 - 81
Independent Banker - October 2017 - 82
Independent Banker - October 2017 - 83
Independent Banker - October 2017 - 84
Independent Banker - October 2017 - Cover3
Independent Banker - October 2017 - Cover4
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