The presentation is for the real estate sales professional seeking to protect themselves, their clients, and their practice from information theft, fraud, and cyber crime.

1. Cyber Security
in
Real Estate Sales

2. Is cyber risk really a problem?
Why is the real estate sales industry
being targeted?
How real are the threats for agents,
brokers, and office managers?
11/1/2016 www.totaldigitalsecurity.com/sdar 2
Cyber Security in Real Estate Sales

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“Urgent Alert: Sophisticated Email
Scams Targeting the Real Estate
Industry.”
“ALERT:
Wire Fraudsters
Targeting Real Estate
Transactions.”
“Cyber attacks are hitting the real
estate industry hard.”
“Scam steals closing money by hacking
agent, escrow email.”
Is Cyber Risk a Real Problem?
2015 REALTORS® Conference & Expo
“Increased Frequency of Cyber Attacks –
Millions of dollars stolen as many agents
have fallen victim.”

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“Cybercrime againstlarge
retailers like Target andHome
Depothascost thesecompanies
millions in damages.Now
cybercriminals are targeting the
real estateindustry.”
“They specifically target peoplein
the real estateindustry … skulking
in the background,watching all
the information go back and
forth.”
Jessica Edgerton, Associate Counsel – National Association of Realtors.
June 22, 2016 - http://www.realtor.org/law-and-ethics
Is Cyber Risk a Real Problem?

5. • Is cyber risk really a problem?
• Why is the real estate sales industry being
targeted?
• What are the risks for agents, brokers, and
office managers?
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Cyber Security in Real Estate Sales

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Why Are Realtors® Being
Targeted?
It’snotjustwherethemoneyis,
it’swherethebig,easymoneyis.
Money.
Information.
Inmotion.
Onunprotecteddevices.
Overunsecurednetworks.
Byunawareparties.

7. • Is cyber risk really a problem?
• Why is the real estate sales industry being
targeted?
• What are the risks for agents, brokers, office
managers, and your clients?
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Cyber Security in Real Estate Sales

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“Changing regulations present added challenges, and
lawsuits are typically launched in the aftermath of a
data breach.”
“… average cost of a breached laptop today
is about $50,000.
“Legal damages include data breach fines
and remediation packages for impacted customers.”
“ … over $500,000 was wired to the fraudster’s
account.”
Financial
Legal
Reputational
Professional
Personal
What Are the Risks?

9.  Yes, cyber risk is a serious problem.
 The real estate industry is targeted for the high
level of money and information that is
undefended during a transaction.
 The threats are real for agents, brokers, and
office managers, and high levels of risk are at
hand.
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Cyber Security in Real Estate Sales

10. ①How did this happen?
②What do the next few years hold?
③What can you do about it?
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Cyber Security
in
Real Estate Sales

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How Did This Happen?
How did our personal
information and
technology become the
#1 target for criminals
from around?
The Personalization of Cyber Risk

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Chart courtesy
Attack Target Distribution

13. "Rather than a 'Cyber Armageddon' scenario that debilitates
the entire US infrastructure, we envision something different.
We foresee an ongoing series of low-to-
moderate level cyber attacks from a variety of
sources over time, which will impose cumulative
costs on US economic competitiveness and
national security.”
James Clapper, Director of National Intelligence.
Worldwide Threat Assessment of the US Intelligence
Community" presented to lawmakers on Feb. 26th,
2015.
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How Did This Happen?
The Personalization of Cyber Risk
Mobil
e
Clou
ds
Big
Data
“This changes
everything!”
SteveJobs,January9th 2007

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Another Day at the Office.

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Mobile
“This
changes
everything.”
Steve Jobs, introducing
the first iPhone.
January 9th, 2007

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Mobile
The Smartphone – the fastest spreading
technology in the history of humanity.
By 2020, 80% of the
Earth’s population will
have a supercomputer in
their pocket.
The Economist
Feb, 2015

18. The Cloud
Information
and
Computing Power
Available to anyone, anywhere, anytime.

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Big Data
Powerful software
that enables value
extraction from raw
data.

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How Did This Happen?
Digital Alchemy – Bits to Bullion

21. Cyber Security
in
Real Estate Sales
①What happened?
②What do the next few years hold?
③What can you do about it?
11/1/2016 www.totaldigitalsecurity.com/sdar 21

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What Do the Next Few Years Hol
The IoT - Internet of Things BitCoin
“We’ve estimated that
cybercriminals today enjoy a
return-on-investment (ROI) of
1,425%”
Trustwave, June 2015..”
Anonymous,liquid,and
portablewealth.
Cyber Crime for Profit
More information, more
opportunity for
exploitation.

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ROI in Cyber Crime
“In our research into underground
markets, we’ve estimated that
cybercriminals today enjoy a return-
on-investment (ROI) of 1,425 percent.”
Trustwave – 2015 Global Security
Report.
Cisco engineers determined a typical
hacker can make $34 million a year using
today's ransomware software tools. Tools
available to anyone. For rent.

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“In our research into underground
markets, we’ve estimated that
cybercriminals today enjoy a return-
on-investment (ROI) of 1,425
percent.”
Trustwave – 2015 Global Security
Report. Cisco engineers determined a typical
hacker can make $34 million a year using
today's ransomware software tools. Tools
available to anyone. For rent.

25. What Do the Next Few Years Hol
• Ransomware
• Phishing
• Hacking-for-Hire
• Crime-as-a-Service
 Rapidconvergenceofcybercrimewithphysicalandtraditional
crime.
 Theft
 Extortion
 Fraud
 Blackmail
www.totaldigitalsecurity.com11/1/2016 25

26. Cyber Security
in
Real Estate Sales
①What happened?
②What do the next few years hold?
③What can you do about it?
11/1/2016 www.totaldigitalsecurity.com/sdar 26

27. Exponential Progress in Technology
Linear vs. Exponential Change
“Life” is here Y
X You are here
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Exponential Change – Living in the Digital Age

29. You are here
X
“Life” is here Y
Watch the Delta
• Apathy
• Fear
• Confusion
• Denial
The rate of change in our every day lives is accelerating.
www.totaldigitalsecurity.com11/1/2016 29

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The New York Post
April 18th, 2016
“A former Lehman Brothers executive
unwittingly wired a $2 million deposit for
a $20 million Manhattan apartment to
cyber criminals - and now he is blaming
his real estate attorney and her
vulnerable AOL email address for the
breach."A former Lehman Brothers executive unwittingly wired a $2 million deposit for a
$20 million Manhattan apartment to cyber criminals — and now he’s blaming
his real estate attorney and her vulnerable AOL email address for the breach.
Robert Millard, who was a managing director at Lehman and now runs the
private investment firm Realm Partners, and his wife Bethany Millard hired Long
Island lawyer Patricia Doran to help them buy a co-op last year.
W T F !

32. “Our intuition about the future is
linear.
But the reality of information
technology is exponential, and
that makes a profound difference.
If I take 30 steps linearly, I get to
30. If I take 30 steps exponentially,
I get to a billion.”
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Exponential Change
Ray Kurzweil
Director of Engineering at Google -
prolific inventor and author, futurist.

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Digital Darwinism

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Misevaluation of our
personal information has
created an arbitrage
trade that is minting
history’s greatest
fortunes over the
shortest periods of time.
The Trade That Hacked Our Democracy
Isn’t it great
that we have
to pay nothing
for the barn?
Yes! And
even the
food is free.
Etc…

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Better, easier, faster
and cheaper. As the
Internet has
democratized cyber-
risk, so is it
commoditizing cyber-
security solutions.
What Can You Do About it?
Use exponentially progressing improvements in cyber-security technology to
protect yourself.

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Trends in Cyber Security Technology
• Real-time, remote monitoring and
management of devices eliminates the need
for user-input and behavioral modifications.
• Automatic updating and patching of operating
system software and other, vulnerable 3rd
party applications such as Adobe and Java.
• Increasingly, collaborative threat intelligence
resources are coming to bear for real-time,
preemptive defenses.
• AI and algorithms will increase in effectiveness
and application to predict and defend from
future threats as they morph and evolve.

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38. What Can You Do About It?
Protect Your
Devices
#1 #2
Encrypt Your
Online Activities
#3
Own a Private
Email Domain
#4
Use a Digital
Vault
• AntiVirus
• IntruderProtection
• DataLossProtection
• AppControls
• AutomaticEncryption
• IPMasking
• WiFiPrivacy
• InternetTunneling
• BuiltforSecurity
• OfftheGrid
• Pre-emptiveFiltering
• SpamControl
• OfftheCloud
• DoubleEncryption
• ControlledSharing
• ProtectedStorage

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Network Ops for RMM – Remote Monitoring and Management of Devices

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Network Ops for RMM – Remote Monitoring and Management of Devices

41. Without a VPN
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42. With a VPN
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VPN – Don’t Leave Home Without It.

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Privatize Your Email

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Fidelity National Title Group
April 2016
Re: Cyber-attacks on Free Email Services
 Increased Frequency of Cyber
Attacks
 Protection of NPPI
 Professionalism
“ … many lenders are beginning to tie the
use of free email addresses and domains
with an increased potential for cyber-
attacks and email scams. “
“… these are three big reasons to make
the switch ASAP. “

46. 1) The Gatekeeper Scan.
2) Message Sniffer.
3) Cloudmark Advanced Fingerprinting.
4) Clam AV AntiVirus
Four Layers of
Incoming Protection

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Off-Cloud Digital Vaults

48. Swiss Ft Knox for Digital Assets
48

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50. • Controlyourtechnology,oritwillcontrolyou.
• Actasaleadertowardawarenessandbest-
practices.
• Personalizetheissuesanddon’tleaveitupto
theITdepartment,government,corporation,
ormilitarytoprotectyourself.
• Focusonyourindividuals(family,employees,
advisors,etc.) andperimeteroperating
environments.
• Positionyourselftobenefitfromrecent
innovationinthecybersecurityindustry.
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Cyber Security
in
Real Estate Sales
Conclusion

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