Microsoft 365 Guardian

Protect your borrowers from down payment wire fraud and more

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Hackers are targeting small mortgage companies and Real Estate Agents because they typically lack email security. Once an email account is hacked, they can monitor the accounts for months. They will identify which of your borrowers are in the loan process, the name of the title company, and the closing date. From there, it only takes one email from the loan officer, processor, closing agent, or Real Estate agent, and the borrower can easily be defrauded. Even if you're not the one that typically sends wire instructions, the borrower will believe that it's you who is asking them to change the routing number and to send the funds as soon as possible.
 

Watch a CNBC news report about mortgage companies who have been infiltrated.

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Multi-Factor Authentication and Conditional Access

Multi-Factor Authentication is the most effective way to keep hackers from accessing your email account online. MFA adds a second layer of security so that if a hacker successfully acquires an employee's password, they will still be prevented from accessing the email system. Most states have already indicated that Multi-Factor Authentication is required.

 

Secure File Send for bBorrowers and Email Encryption

We will provide a DocumentGuardian file drop link for your email signature or website. Borrowers can easily send encrypted documents with no account registration, usernames, or passwords. Documents are scanned to detect malware, and accounts are protected by Multi-Factor Authentication (MFA).

Productivity and Collaboration

Microsoft 365 BankGrade includes the latest office productivity tools so you can easily call other employees via your PC or mobile device. Video conferencing, screen sharing, and instant messaging help you get more work done in less time. Say goodbye to Barracuda, Zoom, Slack, and Dropbox, as Microsoft 365 BankGrade gives you the latest integrated productivity tools on one compliant platform.

 

Email and Document Archiving

Mortgage companies are required to save a copy of each email sent or received from a borrower. An archiving service is essential. Even if an employee deletes emails or you disable an email account of a former employee, our archiving system will always save a copy.

 

Prevent Sign-ins from Other Countries

We use Microsoft Conditional Access to prevent sign-ins from other countries. If an employee needs to work from overseas, we can create an exception for that person. According to Symantec, 53% of email hacking incidents originated from foreign countries.

 

Secure File Storage in the Cloud

Microsoft 365 BankGrade includes Teams, OneDrive for Business, and SharePoint to store, share and protect documents. Microsoft Teams enables you to easily grant folder access to authorized users. We use Azure Active Directory to ensure your documents are secure and backed up in a separate location.

Protection From Harmful Links and Attachments

Microsoft 365 BankGrade protects your users from dangerous email attachments and links. When an attachment or link is clicked, a cloud-based virtual machine will open the link and verify it's safe. This prevents stolen passwords and malware.

 

Daily Monitoring and Alerts

ABT's Strategic Threat Assessment Team (STAT) will monitor your email service daily. We will send alerts for Phishing emails, service outages, and suspicious sign-in activity. Since last year, hacking incidents have grown exponentially, and daily monitoring will identify vulnerabilities before they become embarrassing incidents. Additionally, ABT STAT will manage onboarding/offboarding and administrative tasks in the admin portal to ensure proper security protocols are met and immediately remedy any detected security incidents.

 

Prevent Sign-ins from Non-compliant Email Applications

We create policies that prevent users from signing in to an email from old non-supported email applications. More and more hacking incidents are caused by legacy authentication methods. With Microsoft 365 BankGrade, each user gets the latest desktop and mobile applications for up to five devices.

 

Enforce Multi-Factor Authentication Policies

We use Microsoft Conditional Access to enforce two-factor authentication for suspicious sign-in activity. We also get notified if two-factor authentication is disabled from any account.

Email and Document Archiving

Mortgage companies are required to save a copy of each email sent or received from a borrower. An archiving service is essential. Even if an employee deletes emails or you disable an email account of a former employee, our archiving system will always save a copy.