Category Archives: Emerging Risk

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33% of Employees Fail to Meet Minimum Security Standards for BYOD

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Bring Your Own Devices

By 2017, half of employers will require employees to provide their own mobile devices for work use, Gartner reports. There are many benefits to BYOD policies, from greater productivity on devices users are more comfortable with to lower corporate costs when businesses do not have to purchase mobile equipment or service plans. But securing these devices poses tremendous risk that may not be worth the reward.

According to data security firm Bitdefender, 33% of U.S. employees who use their own devices for work do not meet minimum security standards for protecting company data. In fact, 40% do not even activate the most basic layer of protection: activating lock-screen features. Further, while the majority of workers could access their employer’s secure network connection, only half do so.

Bitdefender reports that there are 5 core security functionalities a strong BYOD policy should check:

  • Data encryption, for data residing on the employee’s device and for data transiting different channels.
  • Application access control, using port knocking, whitelists and intrusion prevention systems, for enterprise apps communicating with company servers.
  • Mobile malware detection and removal, to ensure clean devices enter the company and to keep them malware-free throughout their use.

  • Real-time app and website scanning, to make sure the device does not get infected by malicious apps or websites when the employee wants to download/access them.

  • App permission management, to allow employees to see exactly what types of information does an application require permission to access and share with the application vendor.

Check out more of the study’s findings below:

Bitdefender BYOD infographic

Batten Down the Hatches: Watch Out for Whale Phishing

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Many risk managers and corporate counsel are in a quandary over the latest crime wave to strike businesses—a flood of incidents involving what is known as whale-phishing. This occurs when criminals use a combination of emails and phone calls to perpetrate a fraud and scam companies out of large sums of money through fraudulent wire transfers.

Here is how a typical whale-phishing episode unfolds. A perpetrator sends a “spoofed” email (indicating it came from an email address other than the one that was actually used) to a company employee.  The spoofed email address is usually that of a senior company official, which is why the term “whale” is attached to these phishing emails.

The email message is usually sent to a mid- or lower-level manager in the finance department or person with access to banking funds.

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 The email is typically worded as “highly confidential.” The perpetrator often selects an employee who has had minimal contact with the senior executive whose email address is spoofed. Thus, the employee will not be familiar with the executive or his or her mode of interacting with employees on fund transfer matters.

The spoofed email message typically refers to a “project” for which significant funds are required immediately, but emphasizes that the funds need to be transferred discretely. The message also informs the individual handling the transaction to expect a phone call from a trusted official outside the company, typically an attorney or accountant, who will provide instructions for transferring the funds.

The employee gets the follow-up call and usually transfers the money. Once funds are transferred, if the scam goes undetected, a second email is sent from the same executive thanking the employee for helping with the transaction and providing instructions for the next transaction.

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Another call is placed to the employee, who then unwittingly arranges the second, often significantly larger, transfer of funds. This process continues until the fraud is detected.

At that point, however, the transferred funds and the perpetrators usually are long gone. These criminals are difficult to apprehend, and their accounts are almost impossible to trace.

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The challenge for the risk manager then becomes trying to collect on a crime insurance policy. Unfortunately, however, insurers have been denying coverage.

With respect to crime/fidelity insurance, there often is some policy language pertaining to losses due to computer fraud. Since a portion of the scheme is carried out via a telephone call or fax, insurers contend that the fraud was not perpetrated by a computer.

Insurers also have issued denials based on their contention that the email is not a financial instrument and/or the email does not constitute a forgery of a financial instrument. Furthermore, they point out that in these situations a company employee, not an outside perpetrator, was directly responsible for the loss.

As the number of whale-phishing incidents continues to increase, risk managers and their brokers need to confirm with their insurers that they expect these types of losses to be covered under their crime insurance policies. Indeed, policy language should be reviewed carefully in this context.

To help prevent such frauds, senior leadership and all individuals with access to company bank accounts need to be made aware of the potential for such scams. Procedures should be in place to validate any and all requests for money transfers and there should be adequate redundancy in the approval process that takes place outside of email.

Be forewarned and prepared; phishing scams are out there and they can lead to large losses.

Nearly 10% of Americans Have Gone to Work High

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Marijuana in the workplace

According to a new study conducted by Mashable and Survey Monkey, 9.74% of American workers have been under the influence of marijuana when they went to work. Of that group, about 81% obtained the pot illegally, meaning only 19%  purchased it recreationally in Washington or Colorado, or bought it for medicinal purposes where medical marijuana has been legalized in one of 23 states or Washington, D.C.

Nearly three times as many workers have been on prescription drugs on the job, but only 7.

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28% reported that they had taken the drugs recreationally, and 95.

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36% had obtained the medication legally, with a doctor’s prescription.

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Check out the infographic below for more of the study’s findings on drug use in the workplace, and who some of the riskiest employees may be:

Drugs at work infographic

Asking the Big Questions about Canada’s Future

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eric noel canada towards 2030

Photo: Hilary Tuttle

WINNIPEG, MANITOBA, Canada — In keeping with this year’s RIMS Canada Conference theme, “Crossroads: Changing Landscapes,” Eric Noël, senior vice president of Oxford Analytica in North America and initiator of the Canada Towards 2030 Project, presented research and projections on the top trends that will shape the nation’s future.

“Risk managers cannot afford to freeze in the face of uncertainty or change, and the longer a difficult decision is delayed, the higher its cost, so this is a call for action,” Noël said.

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“Remember that failing to plan is planning to fail.”

Yet projecting out 16 years introduces many ideas and problems that cannot accurately be planned for today. Instead, the planning he encourages is strategic and much broader in scope, examining broad trends, then drilling down into specific political, economic, and environmental implications. For example, Noël said, “Black swans will be the dictator of geopolitical change.

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” While such events cannot be planned for specifically, it is critical to consider long-term questions of how to engage in global power systems and what areas of primary strength the nation should focus on.

canada towards 2030In other areas, key trends and questions for strategic risk management planning include:

• The most important population trend in Canada is migrations and the resultant political shift. Because of the tremendous shift west and the allocation of votes, a future prime minister could be elected without a single vote from Quebec, bringing dramatically different priorities into office than a candidate who requires the support of the East.

• Aging will not only impact the workforce and demands on the medical system, but will also signal changes in the country’s median income, sovereign debt ranking, and provincial budgets. A larger number of retirees and elderly citizens will increase retirement benefit spending to 13% of Canada’s GDP, and the provinces must start setting aside billions now to pay for that care.

• The first group of less financially-prepared, due to changes in saving practices, will soon be retiring. This will prompt deleveraging and scaling down, whether that means selling their vacation homes or cutting back on lifestyle spending. Further, for those with the financial means, there will be an increase in the number of people with the ability to snowbird. This will have a significant impact on Canada, at the city level, when thousands of residents depart for several months every year.

• Canada’s booming oil industry may be a double-edged sword due to finite resources. The addiction to fuel is becoming an addiction to fiscal incomes for parts of the country as oil royalties surge.

• Political risk is underrated in emerging markets, and emerging markets are quickly becoming divergent markets.

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“The next economies trying to achieve that $1 trillion level in the future are countries transitioning from the hundreds of billion in GDP such as Indonesia, Turkey, Saudi Arabia, Nigeria, Argentina, etc,” said Noël. “They have nothing in common with our current $1 trillion economies clients in terms of stability and due to their particular political systems will have us re-assess our risks more than just once quantitative easing is gone or China has slowed down. Political risk matters a lot for the future of globalization.” BRIC-centric thinking will no longer suffice and current global powers will have to adapt to cooperate with these new players, or they may opt to ally more closely with similar nations instead.

The Canada Towards 2030 Project is an apolitical, independent and non-prescriptive initiative dedicated to creating and sharing long-term research about Canada’s future. According to the group, “Uncertainties should not frighten or paralyze us; they should help us anticipate and prepare. Avoiding or minimizing a risk—as well as finding and maximizing a new opportunity—requires imagination and leadership.”

To that end, Noël and his team aim to use research and non-prescriptive thought leadership on some of the biggest topics shaping the future of the country, including labor, agriculture, governance, oil production and consumption and water supply. “The mission of the C2030 project is to offer a high quality forward-thinking experience to people interested in exploring the future of Canada, increasing their awareness of long-term trends, helping them improve their ability to anticipate change and facilitate the creation of or adaptation to the future they want,” the website explains.