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Travelers Stages Live Hack to Examine Realities of Cyberrisk

NEW YORK—Yesterday, Travelers hosted “Hacked: The Implications of a Cyber Breach,” a panel of the insurer’s top experts and outside consultants drilling down into the realities of the cyber threat.

According to Travelers’ brand new 2015 Business Risk Index, cybersecurity rose from the #5 threat in 2014 to the #2 threat perceived by business leaders, with 55% most concerned about malicious and criminal attacks.

In an exercise to show just how valid that concern it is, panelists Kurt Oestreicher, a member of the cyber fraud investigative services team at Travelers, and Chris Hauser, former Silicon Valley FBI agent and current member of the cyber fraud investigative services team at Travelers, successfully carried out a live hack. Using a fake website created for this demonstration, the experts staged an SQL injection attack—the same kind of attack as Heartbleed, these are still responsible for 97% of breaches. Using an open-source penetration testing program that Hauser described as “point and click hacking,” they easily found a way to tunnel into the site’s SQL database. The process of scanning for vulnerabilities and acting on a known exploit—in other words, conducting the actual, successful “hack”—took about two minutes, including the time Hauser spent talking the audience through the process.

The program used to conduct this hack was free, and the number of resources readily available for free or very low cost means that more everyday businesses will become victims as malicious actors face very few obstacles to attempt a hack. “As tools and techniques like this become more common, it becomes far easier to target small- and medium-sized businesses and that exposure increases, especially because there are such low costs up front,” said Oestreicher.

Every day in the United States, 34,529 of these known computer security incidents take place. Yet many go undetected, and a lot are willfully unreported. While larger breaches impact more records, the preponderance of breaches strike Main Street businesses, not Wall Street corporations. In fact, of those that are identified and reported, 62% of breaches impact small and medium-sized businesses, Travelers found. Increased awareness among this group has yet to translate into increased coverage, however. According to a survey by Software Advice, insurance penetration among this group hovers at just over 2%, a trend Mullen has seen in the field as well. “Only about 10% of those who should have that coverage actually do,” he said.

According to data from NetDiligence, those incidents that are covered by insurance break down as follows:

NetDiligence Cyberinsurance Claims by Business Sector

NetDiligence Cyberinsurance Claims by Data Type

With hefty fines, costly investigation and notification requirements, and possible lawsuits and class actions, the true costs rapidly spiral. According to Mark Greisiger, president of data breach crisis services and security practices company NetDiligence, the average cost of a breach is $733,000 for SMBs—before any possible lawsuits or fines. Per record, the cost ranges from 1 cent to $1,000, based on the type of information contained. The average legal settlement after such breaches is currently about $550,000. Yet these numbers primarily reflect incidents where insurance was in place. Without the trusted vendor agreements, for example, the cost of retaining forensic investigation services in the midst of a crisis can be up to three times higher, he reported.

Recovering from these incidents varies wildly by the type of records exposed, and the resources available to aid in the effort. “It’s a wild pain in the butt with insurance,” said breach coach John Mullen, a managing partner of the Philadelphia Regional Office and chair of the U.S. Data Privacy and Network Security Group at Lewis Brisbois Brisgaad & Smith. “Without insurance, it’s a small- and medium-sized business killer. The Main Street story is a $2 million bill and no business.”

In the 2015 Business Risk Index, Travelers also shared a more detailed view of preparedness among specific industries:

Business Risk Index Cyber Preparedness

Tips for Preventing Virtual Shoplifters

E-commerce business models have many advantages over brick-and-mortar retailers, including lower overhead, more flexibility in product and price testing, and more opportunities to manage inventory at optimal levels based on shopper behavior and current web analytics. However, an e-commerce business can’t escape all the realities of merchants with physical storefronts—including shoplifters.

Here are six tips for preventing virtual shoplifters:

Safeguard your platform. An open-source e-commerce platform could make you more vulnerable to hackers. Ensure that you host your site with a platform that uses object-oriented programing language. Ideally, the administrative portions of your site should be completely inaccessible to anyone outside of your organization.

Maximize your SSL strategy. Use of Secure Sockets Layer (SSL) certificates have become commonplace in online transactions that involve sensitive data. As Rick Andrews from Symantec recently advised in a CIO Magazine article, however, their opportunities can be further maximized—and it may even translate into conversion improvements at customer checkout. “Integrate the stronger EV SSL [Extended Validation Secure Sockets Layer], URL green bar and SSL security seal so customers know that your website is safe,” Andrews said.

Additionally, mandate consistent business processes to ensure someone in your company is tasked with staying abreast of the latest changes in the world of online security, and keeping systems current in light of them. In mid-April, for example, the Payment Card Industry Standards Security Council (PCI SSI) announced it found vulnerabilities in the current SSL and TLC (Transport Layer Security) methodologies, exposed in part by Heartbleed and Poodle. Although merchants have until June 30, 2016 to revise their SSL protocol to remain PCI compliant, a business is vulnerable to hackers who are well aware of the opportunities to take advantage of such security “holes,” until the security updates are in place.

Follow PCI compliance standards. In addition to incorporating PCI-compliant secure payment gateways into your e-commerce site to process transactions, confirm that you aren’t storing sensitive customer data (also prohibited by PCI standards)—even if you do so to streamline return procedures.

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While it may extend the length of your checkout and return processes slightly, what your business stands to lose in the form of risk exposure due to stored sensitive data outweighs potential efficiency gains.

Verify card information with addresses. Although e-commerce transactions inherently include “card not present” scenarios, you can still take steps to reduce the risk of fraudulent transactions. Implement address verification systems to detect potential information discrepancies between card information and the customer. Require that the customer input security information shown on the physical card, like the three- or four-digit card verification on the back or front of the card (in the case of American Express).

Set alerts—and pay attention to them.

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Security alerts can detect suspicious activity before it spirals into a full-scale cybertheft—but only if you take them seriously. In the case of the Target data breach, Bloomberg reported that the merchant’s security alerts did sense suspicious activity well before the data breach was underway, but that the threats weren’t taken seriously by technology staff. At minimum, every e-commerce business should have alerts to detect unusually high activity originating from a single IP address, and to flag customers who order multiple times using different cards, in a short period of time.

Install “patches” as soon as they are available.  Your software and operating systems are only secure if they’re current. When new versions of software are released, install them as soon as possible—and immediately, if the update involves a patch developed because a vulnerability was detected.

If you operated a brick-and-mortar business you wouldn’t leave your cash registers unattended or doors unlocked after business hours—but gaps in online security are akin to doing just that when you have an e-commerce business.

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Establish processes and security procedures to ensure that you remain aware of changes in security standards, potential threats and areas of vulnerability. While you may not stop virtual shoplifters and fraudulent transactions entirely, optimizing your site security is your best line of defense.

Cyberattacks Targeting Big Companies Up 40%

Five out of six companies with more than 2,500 employees were targeted in cyberattacks in 2014, representing a 40% increase last year, according to Symantec’s annual Internet Security Threat Report. But by no means does that imply big businesses are the primary target: 60% of all targeted attacks struck small- and medium-sized organizations.

The spear-fishing and fraudulent email scams deployed in these hacks have also become more effective. Overall, 14% less email was used to infiltrate an organization’s network, yet 2014 saw a 13% increase in attackers as the cause of a data breach, and the total number of breaches rose from 253 in 2013 to 312 in 2014. This notable increase in precision is a clear indication that companies are not updating their defenses to match current threats.

Fortifying against cyberbreach continues to demand even more concerted effort as malicious actors grow more sophisticated, introducing more and better malware to their campaigns. “While advanced targeted attacks may grab the headlines, non-targeted attacks still make up a majority of malware, which increased by 26% in 2014,” Symantec reported. More than 317 million new pieces of malware were created last year, meaning almost a million new threats were released daily.

Changes in the top causes of data breach offer both good and bad news. While 13% more cyberbreaches were caused by attackers and breaches due to insider theft increased 3%, Symantec found that 15% fewer were due to accidental exposure, theft or loss.

Check out the infographics below for more of Symantec’s findings and insights on how hackers operate:

Symantec 2015 Internet Security Threat Report

Symantec Path of a Cyber Attacker

 

Security Technology: Reducing Risk for Law Enforcement

 

Nowhere is the work environment more unpredictable than on the front line. Front line employees, whether they work in customer service or high-level security, are constantly exposed to the biggest element of risk—the human element. Working in the field exposes employees to a variety of unpredictable factors, interacting with the public and operating in different environments, making it difficult to predict risks and properly protect employees from external threats.

This is particularly true in law enforcement and security industries, with “police officer” being named as one of America’s most dangerous jobs. It’s no wonder organizations (both public and private sector) are looking for solutions, especially when considering what is at risk. Obviously, employee safety is of paramount concern to any organization and should always be top priority, but there are other elements to consider. Attacks on employees or property can result in huge legal costs, and without physical evidence, it can be hard to recoup this loss. Businesses must also consider the risk to their public image.

To help fight crime and reduce the risks to their front line workers, many government law enforcement agencies and private security organizations are using technology solutions. These solutions, such as advanced security recordings and tracking devices, can act as deterrents. While providing law enforcement officers with more protection, they also help collect irrefutable evidence to protect the company from a legal perspective.

Personal security cameras

These personal security cameras have been adopted by numerous law enforcement agencies around the world, including the City of Clare Police Department in Michigan. The body-worn cameras are attached to the police officer’s uniform—recording footage and displaying a live feed on their front-facing screen. This works in two ways, by providing reliable video evidence from the officer’s perspective of the crime scene and also acting as a deterrent. This approach of alerting members of the public to the fact that they’re being recorded has been shown to reduce the occurrence of criminal activity.

GPS

While GPS systems have existed for a long time, more and more law enforcement agencies are taking full advantage of their benefits—particularly when it comes to pursuing vehicles. Tested with police departments in Arizona and Florida, GPS ‘darts’ are currently in development to reduce the risk to police officers and the general public posed by high speed traffic pursuits. The darts are fired using compressed air and discreetly attach to the vehicle being chased. This means the officer in pursuit can track the vehicle remotely, without the need to initiate a chase at dangerous speeds.

Drones

Perhaps the most controversial of these technologies, drone surveillance has been a hot topic in recent news. While opposition to their use is primarily in relation to privacy or military usage, for law enforcement they provide an affordable and convenient alternative to police helicopters. These small portable flying police drones are equipped with HD surveillance cameras, providing a birds-eye view of crime scenes or events. This live video feed can be monitored and recorded remotely, allowing officers to survey any danger in the area before making a physical appearance. Like body worn cameras, the video footage can also serve as valuable evidence in court. The future of drone technologies being adopted by police departments remains up in the air, however, as some public opposition looks to restrict their usage.

Gunshot detection

Possibly the most innovative of these technologies, gunfire locators or gunshot detection systems have proven to be extremely valuable in protecting front line workers and increasing response time in high gun crime areas. Already used in many cities throughout the United States, these systems use numerous super sensitive microphones (dispersed through a geographic area and connected to a central processor) to immediately alert police to the exact location, and even direction, of gunshots fired in the area.

While some of these technologies have yet to reach their potential, their benefits suggest it won’t be long before they’re fully integrated into police and security industries—and seeing widespread use around the world. While tracking devices and security cameras are nothing new, their improvement and innovative applications in recent years have made them invaluable. From collecting evidence to improving safety for front line workers, these high-tech security solutions effectively reduce risks faced by organizations operating in the sector.