Imagine opening an attachment to an email that appears to be from your bank and accidentally giving your financial information to a criminal.
Representatives from Orrstown Bank spoke to members of the Hagerstown-Washington County Chamber of Commerce at Hager Hall Wednesday morning about cybersecurity issues at the organization’s monthly Eggs and Issues breakfast event.
They stressed how simple it can be to get somebody’s information, showing a clip from a “Jimmy Kimmel Live” TV show in which people on the street were simply tricked into giving away their passwords to online accounts.
“These people are not doing complex issues at all,” Ben Wallace, executive vice president of operations and technology with the bank, said of the hackers. “They’re just very basic attacks.”
Andrew Linn, a bank senior vice president and chief information security officer, detailed six steps individuals and businesses can take to try to avoid breaches or giving criminals access to their information. They included:
• A strong password.
• Purchasing anti-malware.
• Backing up data.
• Paying attention to emails.
• Enabling remote access only when needed.
• Getting insurance coverage for such intrusions.
In terms of recognizing suspicious emails, Linn said that not knowing who the email is from, an odd address, grammatical errors and a letter not directly addressed to the recipient are all red flags.
Linn discussed corporations that were breached such as Target, noting such attacks could happen to any business.
“It’s not going to put big guys out of business, but it could put you out of business,” he said.
To combat in-store breaches, Orrstown Bank Senior VP Janna Passamonte spoke about EMV cards, or “chip and PIN cards,” replacing magnetic stripes as typical credit card identifiers.
EMV stands for Europay, Mastercard and Visa, the original companies that created the standard.
The chip would send a unique code each time it is swiped, so the information would be much harder to hack, Passamonte said.
The United States is not moving quickly on those kinds of cards due to the cost, but banks are slowly putting them into the market, she said.
“It will be many years until all merchants, including the smaller merchants, come up to speed and adopt this new technology,” she said. “When they are adopting this new technology, as a merchant, I do suggest this is a great time to look at your overall security at your merchant terminals.”
Wallace said the U.S. is behind other countries, partially due to how expensive it is.
“The only reason we’re moving as fast as we are is because we have had some really large breaches,” he said.
Chamber President Paul Frey encouraged everybody in attendance to take the information seriously.
“Make sure you’re getting this out to your small business owners and frankly the general public, and your employees,” Frey said. “It’s important information to help push this technology.”
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