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It’s time to evaluate the top five cyber issues threatening credit unions

first_img 99SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Dan Berger B. Dan Berger became NAFCU president and CEO on Aug. 1, 2013. He joined NAFCU in January 2006 as senior vice president of government affairs overseeing five divisions including legislative … Web: www.nafcu.org Details The Internet is ubiquitous not only at our workplaces and homes, but on the commute between them – we can’t go anywhere without our phones alerting us to a new email or even a traffic jam coming up. And as credit unions know, there are an increasing number of cyber threats out there that threaten members and sensitive-data security.Here are the top five things to remember as you evaluate cyber issues facing your credit union:Point-of-sale (POS) attacks are far from over. Credit unions must remain on guard and quickly identify card charges and monitor reports of attacks hitting retail chains – which continue to happen with disturbing regularity. Have procedures in place to quickly act when the next one occurs to minimize costs and impact on your members. When the massive Target Corporation data breach occurred almost two years ago, NAFCU was the first financial trade to insist that retailers be subject to the same kind of strict data security standards that credit unions already adhere to. We are still working with Congress to try to pass H.R. 2205, the “Data Security Act,” and other similar legislation.Hold regular cybersecurity trainings for your employees. Hackers know how to disguise emails to make them look like something familiar, or like something sent from a coworker. We could all do with regular reminders to stay vigilant and be wary of hyperlinks in emails.Speaking of training – offer training to your members as well! You are keeping watch over their accounts and sensitive data, but they need to remember to be cautious and monitor those as well. With regard to email threats – make sure your members know what a real email from your institution looks like, and assure them that they can call to check the veracity of any questionable message that claims to be from you.Don’t just think about your work computers and your official website – remember the secondary targets as well: your social media accounts. Social media is a great way to keep in touch with members – but be sure to monitor your accounts for suspicious posts. Consult experts about social media-specific risks. Are your passwords good enough? Who has access to post for you on those accounts? Facebook and Twitter may seem innocent, but attacks have been known to originate there.Read NAFCU’s new “Compliance Cyber Café” newsletter” – the latest publication from our Regulatory Compliance team. This publication will track the most important cyber developments that could impact credit unions. Offered exclusively as a benefit of NAFCU membership, this newsletter will be a must-read for credit union leaders.Cybersecurity can be frustrating, but NAFCU has got credit unions’ backs. You can be more secure by staying on top of the latest threats and trends. You’ll be doing your credit union and your members a big favor.last_img read more

South East: Small watershed

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Ireland’s sovereign fund targets peer-to-peer lending

first_imgIreland’s sovereign development fund may soon finance company loans advertised through peer-to-peer lending portals in an attempt to expand the range of credit available to small and medium-sized enterprises (SMEs).The €7.2bn Ireland Strategic Investment Fund (ISIF) said it would consider providing capital to a vehicle, the Platform Investment Fund (PIF), that would invest in loans originated by next generation lending platforms (NGPs).It said it would regard any platform using the internet “and other new technologies” as the principal means of originating new loans as an NGP.“Funding is expected to be provided for both working capital (including single and batch invoice and supply chain finance) and loans outstanding for more extended periods,” the request for proposal published by the National Treasury Management Agency (NTMA) said. The tender comes only a few months after Donal Murphy, the ISIF’s head of infrastructure and credit finance, told IPE a resurgent banking sector was seeing it rethink its approach to SME lending. “We’d either look at that transaction for a potential junior debt or equity role, if there’s an absence of that, or we’ll move on and look at a different transaction or sector,” he said at the time.The NTMA said it was looking to establish the level of interest from managers who could oversee the proposed PIF and, although not explicitly stated, the loans would likely be aimed at companies based in Ireland due to the ISIF’s mandate to see a return on its investments and stimulate the domestic economy.“The PIF (once established) will ultimately select the counterparty that will perform this function, and the PIF will be the counterparty to any applicable agreements and contractual arrangements,” it said.The NTMA added that any interested party should have the capacity to manage a large number of individual loans, expected to be under €500,000 each, and would be expected to conduct all due diligence ahead of investment, as well as loan management and recovery where necessary.The tender comes only a few days after ISIF made its first official investment, acquiring a 15% stake in life sciences company Malin Corporation.Malin, which listed on the Irish Stock Exchange late last month, committed to invest €150m in Irish life sciences and create at least 200 jobs over the next five years.Eugene O’Callaghan, director at ISIF, said the €50m investment met both of its “double bottom line” criteria.“The commitments we have agreed with Malin demonstrate our investments are designed to stimulate high-quality economic activity in Ireland, support employment in Ireland and deliver commercial investment returns,” he said. While the National Pensions Reserve Fund has gradually been increasing its exposure to Ireland in anticipation of the launch of ISIF, the Malin investment is the first since the sovereign development fund was formally established in late 2014.For more on ISIF’s strategy, read IPE’s recent interview with head of infrastructure and credit financelast_img read more

Green lawns key to attracting buyers

first_imgFile photo.North Queensland is very dry at the moment and is in dire need of good rain. Our yards are dry and brown and nothing creates a bad impression like a dusty dry yard, writes REIQ Townsville Zone chairman Wayne Nicholson. If you are selling your home or thinking of selling your home, or if you have a vacant rental property that needs a tenant, you need to make an effort to water your lawns and gardens within the Council water restriction guidelines.Townsville buyers are well aware that water restrictions are preventing lawns from being lush and green and most buyers and tenants we deal with understand. However, there is just no substitute for turning up to an inspection with green tidy lawns and gardens.More from news01:21Buyer demand explodes in Townsville’s 2019 flood-affected suburbs12 Sep 202001:21‘Giant surge’ in new home sales lifts Townsville property market10 Sep 2020We live in the best part of Australia and our carefree lifestyle is envied by many but there’s no denying we are the dry tropics. This time of year most properties are suffering from drought-like conditions but with minimal effort we can have our property presented well to the buyer. A well-maintained lawn and garden can mean the difference between a buyer being attracted to your property or moving on to the next. You never get a second chance to make a first impression. Everybody feels good about a nicely presented yard and it puts buyers in a good frame of mind when they enter the home and check out the interior. A dry, barren lawn and garden is a sad sight and although buyers are semi accepting of this the initial wow factor of the home is diminished greatly. By using the Council water restrictions to the letter (and, remember, there are penalties if you abuse the restrictions) you will be able to green up your property and present to the market in a much better light. It takes a bit of effort in these trying conditions of restrictions but I was always taught that nothing is achieved without effort, and a dry barren yard could mean thousands of dollars in a sale price or waiting a long time to gain a tenant.Come on Townsville we can beat this thing called backyard drought by simply adhering to the water restrictions and being disciplined about watering your yard. You should always ask your REIQ agent what can be done to improve your chances of a sale at the point of listing and I can assure keeping your property green and tidy will be on the list.last_img read more

Quade Cooper and Laura Dundovic’s home goes under the hammer

first_img>>FOLLOW EMILY BLACK ON FACEBOOK<< The master suite with walk-through wardrobe and ensuite is Dundovic’s favourite part of the house. Picture: Adam HeadDespite the event starting with a bang – as a 386ha property at Tarzali sold for $2.67 million – not a single bid was taken on Cooper’s luxury home. Rugby star Cooper, who has signed with the Melbourne Rebels, spoke exclusively to The Courier-Mail when they listed the property last month.Former Miss Universe and model Dundovic when they purchased the property in 2015, they new what they wanted.“We just needed help to make that happen,” she said. The Bulimba property comes with a 12m marina berth.In the meantime, they have rented accommodation in Melbourne, buying them some time to check out that local property market.The Cooper Residence at 34 Addison Avenue was listed with Damon Warat of Ray White Ascot. Cooper’s favourite space was the kitchen combined with the living area and pool aspect.Cooper bought the property for $1.845 million and lived in it for about a year before jetting off to play in France.The house was barely a decade old, but Cooper said he had always planned to renovate the property upon his return.In late 2017, and back in Brisbane, the couple engaged a local building firm to transform the house, admitting that they had hoped to do a lot of the work themselves but then found they needed help. RELATED:Rugby star Quade Cooper lists Brisbane love nest More from newsParks and wildlife the new lust-haves post coronavirus15 hours agoNoosa’s best beachfront penthouse is about to hit the market15 hours agoThe entertaining area and pool.Almost every inch of the house was given a makeover, including the removal of a section of concrete to put in a grass lawn for their “two boys” — Chuck and Riddick, American Staffordshire terriers. When it came to the interiors, Dundovic said they poured over designs on Instagram and Pinterest, with Cooper admitting he was a bit ‘OCD about symmetry’.“I really like straight lines,” he said. Quade Cooper and his partner Laura Dundovic failed to sell their Bulimba home at auction. Picture: Adam HeadCelebrity couple rugby star Quade Cooper and former Miss Universe Australia Laura Dundovic’s stunning home went under the hammer this morning.But the star couple will have to go back to the market after the property failed to sell when it was called this morning.More than 100 people turned out at Ray White Queensland’s in-room auctions today, where 14 properties were set for the gavel, including Cooper’s Bulimba home. The street view at 34 Addison Ave, Bulimba.“At my old house there was a door that didn’t line up with the window and it drove me nuts for a year so I had to get the builders in to fix that and then I was happy.”Cooper said the end result at the Bulimba home meant he was “very zen” thanks to “all that symmetry”. The ensuite offers dual shower heads and floor-to-ceiling tiles.Cooper said they had not planned on leaving the house so soon, but “you can’t always predict the future”.The couple have already set their sights on finding their next project, and have been actively looking at renovators delights in Brisbane or a block of land near the beach on the Gold Coast. MORE:Whitaker’s green over – hit or miss?Fearful tenants living in pest-infested squalor – With Samantha Healylast_img read more

Ebola-hit nations may ‘face collapse’

first_img Sharing is caring! HealthInternationalLifestylePrint Ebola-hit nations may ‘face collapse’ by: – September 24, 2014 120 Views   no discussions Share Tweetcenter_img People with Ebola are finding it difficult to get adequate treatmentThe Ebola outbreak threatens to become a political crisis that could unravel years of effort to stabilise West Africa, a think tank has warned.“The worst-hit countries now face widespread chaos and, potentially, collapse,” the International Crisis Group (ICG) said.The world’s largest outbreak of Ebola has caused 2,811 deaths so far, mainly in Guinea, Liberia and Sierra Leone.The UN has warned that infections could treble to 20,000 by November.The World Health Organization (WHO) said this could happen if efforts to tackle the outbreak were not stepped up.Both Liberia and Sierra Leone are recovering from brutal civil wars and Guinea has faced coups and ethnic unrest.“Adding social breakdown to the epidemic would create disaster perhaps impossible to manage,” the ICG statement said.The international community needs to provide more personnel and resources “not only to the immediate medical response but also to the longer-term problems of strengthening governance and rebuilding health-care systems”, it said.The Ebola crisis has exposed citizens’ lack of trust in their government in “already fragile societies”, the group said.In three worst-hit countries, “past civil conflicts fuelled by local and regional antagonisms could resurface”, it said.A meeting is expected to take place on the sidelines of the UN General Assembly in New York to consider the next steps.With warnings of soaring food prices and possible shortages, reopening borders with appropriate surveillance measures must be a top priority for West African governments, the group advised.“Despite rhetoric to the contrary, West African governments have tried to manage these crises unilaterally, ignoring – as demonstrated once again by the rapid spread of Ebola – that their citizenries are deeply linked and interdependent,” the ICG statement said.While countries like the US, UK, France and China and Cuba were ramping up their responses by setting up Ebola health facilities and sending personnel, special attention also needed to be paid to Guinea-Bissau and The Gambia, countries near the epicentre which both have inadequate health systems, it said.New figures suggest that 70% of those infected with Ebola in West Africa have died, higher than previously reported.BBC News Share Sharelast_img read more

PSG agree deal for Luiz

first_img Press Association Sport understands Luiz will move for £50million, a world record fee for a defender. A statement on chelseafc.com read: “Chelsea Football Club and Paris Saint Germain have agreed terms for the transfer of David Luiz to the French club. David Luiz is set to move from Chelsea to Paris St-Germain after the clubs confirmed a deal had been agreed for the transfer of the Brazil defender. His departure means Tomas Kalas will be given further first-team opportunities next season while Kurt Zouma, signed from St Etienne in January and immediately loaned back to the French side, will also link up with the Blues. Luiz’s sale represents a healthy profit which Mourinho will hope to reinvest in the squad, with Atletico Madrid striker Diego Costa reportedly the number one target. PSG have also been linked with Eden Hazard and Oscar in recent months, but Chelsea would not welcome an approach for the playmaking pair. There was the prospect of further high-profile departures from Stamford Bridge when the Premier League announced its retained and released players’ list. Chelsea’s record goalscorer Frank Lampard appeared on Chelsea’s list as uncertainty continues over his future. England midfielder Lampard, who is 36 in June, appeared on the list alongside striker Samuel Eto’o and left-back Ashley Cole as their contracts expire on June 30. Lampard’s appearance does not mean his departure is inevitable, although Chelsea are still to clarify if the midfielder, who moved to Stamford Bridge in June 2001, will stay or move on. Cole has suggested he is likely to leave Chelsea, while Eto’o is poised to move on at the end of his one-season deal. Lampard has scored a club record 209 Chelsea goals in 646 appearances since his switch from West Ham, including the two goals at Bolton which secured the 2004/05 Premier League title. That was Chelsea’s first championship for 50 years and began the most successful period in the club’s history. Eto’o netted 12 times in 35 appearances last term following his move from Anzhi Makhachkala. Cole has hinted his future lies away from Stamford Bridge after eight years having fallen down the pecking order last term. The former Arsenal left-back, who retired from England duty after winning 107 caps but being overlooked for the World Cup squad, has been linked with moves abroad and to Manchester United and Liverpool. Goalkeepers Mark Schwarzer and Henrique Hilario also appeared on the list – a Premier League requirement – alongside youngsters including Sam Hutchinson and Milan Lalkovic. Following the announcement of the agreement, Luiz took to Twitter, saying: “Tks CFC for this time of great partnership. I’m thankful for all! It’s a new challenge and together we’ll go even further. Allez Paris!” Press Association “The move is now subject to David Luiz agreeing personal terms with PSG and passing a medical examination.” The French champions suggested the formalities of the deal will be completed on June 10 to ensure Luiz can concentrate on this summer’s World Cup in his native Brazil. A statement on the Ligue 1 winners’ official website read: “Paris St-Germain, Chelsea FC and David Luiz would like to confirm that they reached an agreement regarding the terms of an upcoming transfer of the Brazilian defender that would occur during the next transfer window which is to start on 10 June 2014. “In accordance with the player’s wish to prepare for and play in the World Cup in his home country in the best possible conditions, both clubs and David Luiz wished to reach an agreement as soon as possible between, on the one hand, Paris St Germain and Chelsea FC, and on the other, between the Parisian club and the player, in order to formalise the transfer as soon as the transfer window opens.” Barcelona and Bayern Munich were reportedly also pursuing Luiz, who has spent three-and-a-half seasons at Stamford Bridge. The 27-year-old joined from Benfica in January 2011, signing a five-and-a-half-year contract in a deal reportedly worth £21million. He made 143 Blues appearances – 34 of them last season, including against PSG in the Champions League quarter-finals – scoring 12 goals. Luiz was primarily used in defensive midfield by Jose Mourinho after being unable to break up the central defensive partnership of John Terry and Gary Cahill. last_img read more

Mother charged with murder after fatally beating toddler over a dirty diaper

first_imgA mother from Georgia has been charged with murder after she fatally beat her toddler because he spoiled his diaper.The incident was reported Friday evening in Coweta County.Officials say they were contacted an area hospital after the child’s mother 23-year-old Trinity Pittman, brought her son into the emergency room with serious injuries that did not match up with the story she told them.According to the report, Pittman told officials that her 20-month-old son was injured after he fell off of a trampoline earlier in the day but did not take him to the hospital until he woke up from a nap and began vomiting and had trouble breathing.When investigators began questioning Pittman she then confessed that she hit the child several times because she was angry that he spoiled his diaper.She is now being held at an area jail without bond.last_img read more

Dravid sees World Cup as ‘stepping stone’ to A-team for India U-19s

first_imgINDIA Under-19 coach Rahul Dravid’s aim is to see a few of the World Cup-bound players included in the A-team within the next six to eight months.“The World Cup is an exciting challenge and provides a good opportunity for all those guys. There is a process now in place in Indian cricket: U-19 cricket to first-class cricket and then to India A and then the India national team, when the opportunity arrives,” Dravid said before the U-19 team left for New Zealand.“I have been talking to these players about other formats as well. If they can make it to the India A-team in six-eight months, it will be great. We see this (World Cup) as a stepping stone.”The current India U-19 captain, Prithvi Shaw, has already played for the India A-team during warm-up games against touring New Zealanders in October last year.Dravid refused to predict who among the current batch has the potential to make it big at the senior level. “I have learnt a lot in these years as coach of the U-19 and A-teams. These boys are from a different generation and their thinking is different. They have to adapt to all three formats. It’s a huge challenge. The game has changed a lot.“I can’t say who can go on and make it or who cannot. All of them have the potential to play for their state and India in future.”On India’s chances in the upcoming global event in New Zealand, which starts on January 13, Dravid exuded confidence.The key would be adjusting to the conditions quickly, he said. “The conditions would provide a unique challenge in that no one in the team has played in New Zealand before.“The key would be in adapting to the conditions well. We have tried to replicate the conditions in the Bangalore camp to the extent possible but it’s not possible to do it completely.”The squad is set to leave for New Zealand tomorrow morning. Three-time previous champions India, who finished runners-up in the previous edition, are in Group B alongside Australia, Zimbabwe and Papua New Guinea.The squad has a few players – captain Shaw of Mumbai, Shubman Gill of Punjab, Himanshu Rana of Haryana, Ishan Porel of Bengal – who have been playing first-class cricket, which the coach termed as a plus for the side.“It’s always good to have players in the team with some first-class cricket experience. This team too has a few. The team is similar to the one we had the last time, with only one major difference – that in the previous team there were people with more experience of having played the U-19 World Cup.“This team too has a good pace attack, good spin bowlers and a good batting unit like the last one.”Shaw was happy to have practice games to help the team get into the groove. “We are going to play a few practice games before the World Cup. That will help us. Playing first-class cricket will be of help to me in the World Cup,” Shaw, who already has five first-class hundreds to his credit, said.“It’s a great opportunity and as captain I want to take the whole team with me. Everyone in the team knows his role. I want to win the World Cup.” (ESPN Cricinfo)last_img read more

Zamora back in Fulham fold

first_imgFulham striker Bobby Zamora has been passed fit to return in Sunday’s match against Blackburn, while Bryan Ruiz is in line for a debut.Zamora has been badly missed by the Whites, who have lost all three matches he has missed with an ankle injury.Costa Rica forward Ruiz is set to make his first appearance since a £10.6m move from Dutch club FC Twente, while fellow deadline day signings Zdenek Grygera and Orlando Sa are also expected to be in the squad.AdChoices广告John Arne Riise is still out but the Norwegian’s brother Bjorn Helge has shaken off a knock, as has youngster Matthew Briggs.last_img read more