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Five things business owners should know about cybersecurity this October

Safeguarding your company from cybercrime like phishing attacks and ransomware isn’t just IT’s job. Discover why everyone in your organization has a role.

When many business owners think of cybersecurity, their first instinct is to leave it to the IT team. But the reality is this: cybersecurity isn’t just an IT responsibility — it’s a business-wide priority. From preserving customer data to ensuring financial stability, leaders at every level play a role in keeping threats at bay.

October is Cybersecurity Awareness Month, and it’s the perfect time to plan to strengthen your defenses. Cybercriminals aren’t slowing down, and neither should you. By combining System and Organization Controls (SOC) reports, regular IT audits and ongoing security awareness and training, you can help help ensure your business’s finances and reputation are on track. In this post, we’ll explore how.

Cybersecurity basics every business owner should know

Put simply, cybersecurity is the practice of defending your systems, networks and data from attacks. It covers everything from guarding sensitive customer information to ensuring your payroll system isn’t compromised. For business owners, it’s not a luxury — it’s a necessity.

Cyberthreats to your business can come from both external and internal sources. Some of today’s most common threats include:

• Phishing attacks that trick employees into sharing passwords.
• Ransomware that locks down systems until a payment is made.
• Data breaches that expose financial and personal information.
• Insider threats, whether intentional or accidental.

Your IT team may manage the technical details, but as a business owner, your role is to set the tone. This means utilizing resources, making cybersecurity a part of your culture, and prioritizing accountability. After all, a company’s defenses are only as strong as its weakest link.

Turning Cybersecurity Awareness Month into everyday action

Every October, businesses and government agencies come together to highlight the importance of digital security. Cybersecurity Awareness Month is more than a campaign — it’s a reminder that threats are real and constant, and that prevention is always less costly than recovery.

The statistics on cybercrime paint a sobering picture: small businesses are disproportionately targeted, with nearly half of cyberattacks aimed at them. October often sees spikes in phishing emails tied to tax deadlines, holiday shopping and seasonal business activity.

This month is your opportunity to audit your systems, refresh your policies and recommit to cybersecurity best practices. The proactive steps you take now can help you save you thousands — or even millions — down the line.

Cybersecurity best practices for business owners

If you’re wondering where to begin, start with these three practices. They may seem simple, but they’re consistently cited by experts as the most effective first line of defense.

1. Implement strong password policies 

Require employees to use complex passwords and change them regularly. Even better, adopt multi-factor authentication (MFA), which adds another layer of protection.
2. Regularly update software and systems 

Outdated software can be full of known security vulnerabilities, making it a hacker’s dream. Schedule updates and patches promptly to close security gaps before they can be exploited.

3. Train employees on cybersecurity best practices 

People are often the weakest link. Fortunately, consistent security awareness and training can turn them into your strongest defense. Teach your employees how to spot phishing attempts, handle sensitive data and report suspicious activity.

4. Educate employees to spot fraudulent phone calls

Fraudsters may directly call customers posing as the bank, or someone affiliates with the bank.  They may ask probing questions to gather more information or obtain sensitive account information.  If you receive these calls and suspect something unusual, you can hang up and call the bank directly.

Safeguarding your finances against cyber threats

Cyber threats don’t just disrupt operations — they put your finances directly at risk. Beyond good cybersecurity hygiene, you’ll need strategies designed to best maximize your money.

• Monitor financial transactions closely: Regularly review bank statements and accounting systems for unusual activity. Automation tools can be especially helpful in flagging suspicious behavior before it spirals.
• Utilize cybersecurity insurance: Cyber insurance policies can help offset the financial blow of a breach, covering costs such as data recovery, legal fees and customer notifications.
• Establish emergency protocols: Just as you’d plan for a fire drill, your business needs a response plan for cyber incidents. Decide in advance who will communicate with customers, which systems to shut down and how to restore operations quickly.

These steps complement your technical measures, helping to ensure that, if something does slip through, you can limit damage and recover quickly.

Resources for enhancing cybersecurity awareness

The good news? You don’t have to figure cybersecurity out on your own. There are a number of resources available to strengthen your defenses:

• Tools and software: Endpoint protection platforms, firewalls and vulnerability scanning tools can provide your business with layered defenses. Many are affordable for small and mid-sized businesses.
• Workshops and training: Local chambers of commerce, universities and professional associations often host workshops during Cybersecurity Awareness Month. Many are free and tailored to business owners.
• Trusted organizations: Bookmark resources from the Cybersecurity & Infrastructure Security Agency (CISA), the Federal Trade Commission (FTC), and the National Cybersecurity Alliance. These sites offer guides, templates and checklists for business owners.

Regularly consulting these resources — and even scheduling an annual IT audit — will help keep your systems and strategies current.

In conclusion: Take action this October

Cybersecurity may sound technical, but at its core, it’s about defending your business, your employees and your customers from needless intrusion and harm. By taking it seriously and not leaving it solely to IT, you’re upholding your reputation and financial health.

This October, don’t just acknowledge Cybersecurity Awareness Month — act on it. Review your policies, schedule a fresh IT audit and invest in security awareness and training for your team.

The threats aren’t going away anytime soon and will likely escalate. But with the right preparation, you can meet them head-on. Take the first step today, and encourage your peers to do the same. Because in cybersecurity, awareness is only the beginning — action is what truly makes the difference.

Content above is offered for informational purposes only and does not constitute tax, legal, financial, or business advice. Contact a specialist about your specific needs and circumstances. Content may contain trademarks or trade names owned by parties who are not affiliated with Zions Bancorporation, N.A. Use of such marks does not imply any sponsorship by or affiliation with third parties, and Zions Bancorporation, N.A. does not claim any ownership of or make representations about products, services, or content offered under or associated with such marks.

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