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Q&A With New National Cyber Security Alliance Executive Director Kelvin Coleman

The National Cyber Security Alliance (NCSA) announced that its new executive director is Kelvin Coleman, who has held high-level positions in the United States Department of Homeland Security, and the National Security Council.

Coleman’s appointment puts him in charge of the country’s leading cybersecurity and privacy protection education and awareness organization, responsible for leading organizational growth; facilitating strategic partnerships and alliances with government, industry and non-profits; and acting as NCSA’s primary spokesperson.

He discussed with Risk Management Monitor the types of cyberrisks he follows, preventative measures and upcoming NCSA events and services.

What are the biggest cyberrisks facing businesses today? How do you plan to advise or collaborate with business leaders to combat them?

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Some of the biggest cyberrisks facing businesses today include email threats, employee activity and vendor security. When it comes down to addressing cyberrisks targeting businesses of varying sizes, everyone needs to start with the basics. It is imperative to get leadership on board with recognizing that cyber resilience is more than just taking technology-focused measures, but also modifying processes and behaviors at all levels in the organization.

What are the attacks that are easiest or most difficult to prevent?

The answer to both is phishing. Attacks come in through three different ways – people, products, and processes. A great product can hold attackers at bay. Similarly, great processes can mitigate a threat. Human beings are the wild cards. People are both the easiest to control and the most difficult, especially when it comes to phishing attacks. One of the NCSA’s tips is “when in doubt, throw it out.” We try to make sure folks understand that if they are not familiar with a link or a website, they need to delete it or ignore it.

At NCSA, our focus is on the human side of cyberattacks, and we work to get people to change their behaviors as well as understand the processes for keeping their devices and online accounts safe, particularly as phishing attacks become more sophisticated.

Speaking of the human side, which professionals are most exposed to cyberrisk?

All of them. Cybersecurity needs to be embedded into the company culture from the most entry-level positions to the most senior, because hackers can access information at any level. We’re all vulnerable, from the break room to the boardroom. We often tell small business owners that they must also train their employees to recognize malicious links and emails, as employees can often be the weakest link when it comes to cybersecurity at the office.

What is your reaction when you learn that the information of 500 million Marriott guests may have been exposed?

Marriott is a great example of a company doing as much as it can to prevent an attack but still being targeted. They were not laissez-faire about their security. So, I see it as a warning for everyone to remain extremely vigilant in the face of increasing numbers of cyber attacks. If it happens to Marriott, we’re all vulnerable to an attack of this nature.

Small businesses seem just as susceptible to cyberrisk as large ones. How would you advise small businesses to protect themselves?

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Small businesses are more at risk and they often have information, such as customer data, that’s just as valuable to hackers as that of the customer data from large corporations. Small businesses often don’t have the resources to invest in a prevention plan, nor do they have the capital or leadership or knowledge about cybersecurity. This is why they’re often targets for hackers.

Our advice for small businesses doesn’t vary much from what we advise to all people: Keep a clean machine by keeping software updated, use stronger authentication and passwords, recognize and avoid phishing links, etc. If [a small business] decides to hire a third-party vendor for cybersecurity, we advise them to do their research and hire a reputable vendor. We also encourage them to attend our regional CyberSecure My Business events in their local community, or take part in a CyberSecure My Business webinar.

What new initiatives or campaigns will you be overseeing for in 2019?

In 2019, our overarching goal is to empower individuals and – at the same time– focus on educating businesses to respect privacy, safeguard data and enable trust. This means that consumers need to know how organizations collect and use personal information and companies of all sizes need to be transparent and communicate in an accurate and consumer-friendly language to their customer base.

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We will share key messaging and provide actionable tips to help protect privacy. NCSA and our highly engaged partners will host numerous events that will shine a spotlight on the rapidly changing technology landscape and forging ahead toward the future of privacy. We plan to engage industry leaders with diverse perspectives to address opportunities and challenges. In addition, we will soon be launching our Champions program which is a way for both individuals and businesses to officially show support. We expect to launch the Champions portal – along with additional Data Privacy Day information – in mid-December 2018.

What changes or improvements are in store for National Cyber Security Awareness Month (NCSAM)?

I don’t believe NCSAM needs a shiny new toy each year. Our plan is to engage a much larger audience. NCSAM continues to reach more and more people every year, but there are still significant numbers of Americans who need to hear our message – not just during October but throughout the year. We want to connect these folks more with our proven tips for staying safe and secure online. Our goal at NCSA is reinforcing our cybersecurity best practices among a broader audience to better impact online behavior.

Reducing Inspector Risks During Catastrophic Response

The risks associated with disasters extend far beyond the initial destruction. For insurers, disaster damage assessment and claims processing can pose both significant financial risk as well as introduce personal risks for claims inspection teams. The safety of these teams is dependent upon a strong understanding of the situation on the ground. As a result, insurers need to take steps to maintain visibility of the situation, efficiently handle damage claims processing, and, above all, limit the risk exposure of claims and response teams on the ground.

Utilize credible catastrophe information
Having accurate geographic information to pinpoint potential asset damage before deploying inspection teams can aid faster claim resolution and provide more efficient claim processing. Looking to trusted resources that offer key data on approaching catastrophes can help teams better prepare for the situation at hand. The National Oceanic and Atmospheric Administration (NOAA) offers constant information and updates on pending and current weather conditions, storms and other catastrophes to allow organizations to stay up-to-date on the latest conditions. Likewise, the Federal Emergency Management Association (FEMA) can also offer deeper insight into disaster recovery efforts so that adjusters are prepared for the situations they walk into.

Knowledge is power when it comes to efficient claims processing and safe deployment of inspection agents. Data from credible resources allows adjusters to more safely maneuver through potentially hazardous conditions. But even the wealth of knowledge offered by NOAA and FEMA is often not enough to minimize an organization’s post-disaster risk profile.

Emphasize image collection of disaster areas
When disaster hits, roads can become impassable, buildings can become structurally unsound, and areas can become impossible to access. The last thing an insurer wants to do is send its claims adjusters into a hazardous zone unprepared.

Preparation is key to effective claims inspection that minimizes time in the field and the risk of unforeseen, hazardous circumstances. To that end, satellite and drone imagery have become key technologies used by insurance companies to improve processes and protect claims adjusters.

The concept of satellite and drone imagery to assist in claims processes and reduce inspector risks is hardly a new concept. Novarica recently estimated that nearly 20% of P&C carriers are pursuing imaging solutions. In fact, PricewaterhouseCoopers forecasts that drones alone will have a $6.8 billion impact on the insurance industry in the coming years.

Satellite imagery provides wide-area, high-resolution analysis of damaged areas to help organizations understand the breadth of the damage, while drones can be deployed to specific sites to conduct detailed damage evaluations at a micro-level. Combining satellite and drone imagery can give teams a full view of the extent of catastrophic damage so they know exactly what to expect upon on-site inspection.

In some cases, detailed imagery and analytics can often provide enough information to prevent adjusters from ever having to set foot on a property, allowing them to accurately and efficiently process claims from the safety of a desk. In fact, Cognizant estimated that drone usage can make a claim adjuster’s workflow 40% to 50% more efficient, which can be especially important when managing the high number of claims that come in response to a catastrophe. This can also decrease claims management costs, help protect the well-being of employees and significantly reduce adjuster accidents.

The amount and strength of natural disasters in the U.S. will not decrease anytime soon. But the use of credible information resources and thorough imaging technology can help insurers reduce their financial and safety risks, so they can better help others address their own.