Collector - December 2017 - 24

something organizations of any size can tackle
on their own. The idea is to put several different
obstacles in front of potential hackers, including
firewalls, anti-virus software, multifactor
authentication, and intrusion detection, and
follow it up with regular monitoring.
Don't forget about data encryption-even
though Equifax did when its consumer
dispute portal was compromised. In an
October congressional hearing, Smith said
that while Equifax protects much of its data
through encryption, the information in the
compromised portal was in plaintext.
While encryption won't stop hackers
from breaking in, it can render any data
they steal useless.
But the most important layer of
information security in your business might

be your employees. You need to create a
culture of compliance and security to help
ensure the "human error" Equifax suffered
doesn't happen to you.
Train everyone on data security-why
it's important, what they need to do-and
follow-up regularly to drive the message
home. Employees are often the weakest link
in the data security chain, so limit their
access to critical systems and software unless
necessary, set up guidelines for internet
use and teach them how to spot social
engineering and phishing scams.

PERFORM REGULAR AUDITS AND
VULNERABILITY SCANS
You'll need to conduct regular
vulnerability scans and penetration tests

even if you think nothing in your business
has changed recently.
"You don't know if you are secure if you
don't test your system," Wright said.
Vulnerability assessments and
penetration tests sound similar but are
different-and you need to do both.
Vulnerability scans assess your systems
for weaknesses or malware and are
relatively easy and cheap to do, either
in-house or through a third party. Wright
recommended running these scans
quarterly-if not more often.
Penetration tests, on the other hand,
are almost always conducted by an
independent third-party-an "ethical
hacker"-who tries to break into your
system and access your data.

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24

ACAINTERNATIONAL.ORG


http://www.acainternational.org http://www.ACAINTERNATIONAL.ORG

Table of Contents for the Digital Edition of Collector - December 2017

President’s Page
Industry News
Best Practices
FYI
Collection Tips
Stronger Together
Taking a Layered Approach
Lines of Communication
Calendar
Honor Roll
Collective Intelligence
CFPB Issues Final Rule for Small Dollar Lending Market
Ask the Experts: Training Advice
Court Rules Voicemail is a “Communication" and Disclosing Name of Collection Agency Provides “Meaningful Disclosure” Under FDCPA
Compliance
ACA SearchPoint
Last Word
Collector - December 2017 - Cover1
Collector - December 2017 - Cover2
Collector - December 2017 - 1
Collector - December 2017 - 2
Collector - December 2017 - President’s Page
Collector - December 2017 - Industry News
Collector - December 2017 - 5
Collector - December 2017 - 6
Collector - December 2017 - 7
Collector - December 2017 - Best Practices
Collector - December 2017 - 9
Collector - December 2017 - FYI
Collector - December 2017 - 11
Collector - December 2017 - Collection Tips
Collector - December 2017 - 13
Collector - December 2017 - Stronger Together
Collector - December 2017 - 15
Collector - December 2017 - 16
Collector - December 2017 - 17
Collector - December 2017 - 18
Collector - December 2017 - 19
Collector - December 2017 - Taking a Layered Approach
Collector - December 2017 - 21
Collector - December 2017 - 22
Collector - December 2017 - 23
Collector - December 2017 - 24
Collector - December 2017 - 25
Collector - December 2017 - Lines of Communication
Collector - December 2017 - 27
Collector - December 2017 - 28
Collector - December 2017 - 29
Collector - December 2017 - 30
Collector - December 2017 - 31
Collector - December 2017 - 32
Collector - December 2017 - 33
Collector - December 2017 - Calendar
Collector - December 2017 - Honor Roll
Collector - December 2017 - Collective Intelligence
Collector - December 2017 - 37
Collector - December 2017 - CFPB Issues Final Rule for Small Dollar Lending Market
Collector - December 2017 - 39
Collector - December 2017 - Ask the Experts: Training Advice
Collector - December 2017 - 41
Collector - December 2017 - Court Rules Voicemail is a “Communication" and Disclosing Name of Collection Agency Provides “Meaningful Disclosure” Under FDCPA
Collector - December 2017 - 43
Collector - December 2017 - Compliance
Collector - December 2017 - 45
Collector - December 2017 - ACA SearchPoint
Collector - December 2017 - 47
Collector - December 2017 - Last Word
Collector - December 2017 - Cover3
Collector - December 2017 - Cover4
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