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Additional Services

ACH Audits

Vizo Financial offers ACH audit services to credit unions through our CUSO, MY CU Services. Our certified staff will take a look at your ACH information to determine compliance with NACHA Rules. In the end, you’ll receive a detailed audit report that meets the NCUA’s requirements.

Benefits of our ACH audit services include:

  • Audit can be performed at any time of the year.
  • Option for remote audit via secure portal or on-site audit.
  • Accredited staff with experience in the regulations and operations sides of ACH.
  • Convenient option for credit unions that use our ACH services.
  • Potential to help resolve audit findings.

Consulting Services

Our team has almost 100 years of combined experience serving credit unions. Our knowledge and experience on the topics below are available through our consulting services whether you need us to come in for a group discussion or you need a quick explanation that can be discussed over the phone.

Business Continuity/Disaster Recovery

Proper planning and understanding your business needs is essential towards the long-term success of a credit union. Our certified staff can help your credit union be ready for any issue that could arise.

Compliance

Our team can advise your credit union on the BSA requirements using the FFIEC BSA/AML examination manual as well as Office of Foreign Control and FinCEN regulatory requirements.

Enterprise Risk Management (ERM)

Credit unions are faced with a substantial amount of risk. Our staff can help you manage this risk. Whether you need us to help review your current risk monitoring system or would like us to drop by to discuss the importance of risk management with your board, we are here to help.

IT Security and Risk Mitigation Strategies

You've been entrusted with your members' sensitive information. Vizo Financial can help make sure your credit union is prepared to mitigate potential attacks to keep your members' information secure.

If you are in need of bolstering your IT security posture or have a serious risk that needs to be mitigated, contact Vizo Financial for assistance and experienced advice. Maybe you have received the results of an IT security exam or audit and have a list of findings for which you simply don't have the technical resources to handle. The team at Vizo Financial can review your results, findings, and concerns and help you develop a strategy to address your IT security risks.

Policy and Procedure Assistance

Making sure your credit union has the proper policies and procedures in place is an essential component to your operations. Vizo Financial is available to review your current policies and procedures to make sure your credit union is covering all of its bases, or we can relieve you of this burden and create the documentation for you.

Vendor Management

Manually keeping tabs on all of your vendor requirements is a time-consuming process. Let us help you sort out what information is important and guide you towards an automated means of tracking risk ratings, contracts, expiration dates, incident reports, requests for proposals, and vendor due diligence information.

Enterprise Risk Management

As financial institutions, credit unions are faced with a substantial amount of risk compared to the average business, which makes managing risk an essential component of a credit union's operations.

To help our member credit unions, Vizo Financial has teamed up with Ncontracts to assist you in your enterprise risk management (ERM) needs. Our Their service can offer your credit union access to a whole suite of ERM solutions.

Ncontracts’ ERM Solutions Offer:

  • Web-based solution
  • Informational & easy-to-use dashboard
  • Vendor and contract monitoring
  • Central database for vendor management
  • Real-time, on-demand reporting for board, management & regulators
  • Risk assessments, trend tracking, financial impact measurements & compliance monitoring

Information management is key to any ERM solution. Ncontracts solution through Vizo Financial offers a combination of the following modules for efficient information management:

  • Business Continuity
  • Data Security & Privacy Risk
  • Cybersecurity Risk
  • Enterprise Risk Management
  • Findings/Remediation Management
  • Information Technology Risk
  • Transaction Risk
  • Regulatory Compliance
  • Third Party/Vendor Management

Information Security Risk Solutions

Credit unions are entrusted with their members’ sensitive information. Criminals recognize this, which is why financial institutions are often the targets of criminal cyber-attacks and social engineering attacks designed to compromise your member's sensitive information.

Make sure your credit union is prepared to mitigate potential attacks. And don’t think that just because you are part of a smaller institution that you don’t have to worry about being targeted. Many criminals see smaller financial institutions as ideal targets, because they often have fewer resources devoted to preventing attacks.

Let us help you keep your members' sensitive information protected with the following products and services:

Know exactly how your systems' vulnerabilities could impact your credit union with our penetration testing.

A more in-depth version of a vulnerability scan, our penetration test allows you to see the consequences of a skilled attacker exploiting your systems weaknesses as we simulate an attacker by making controlled attempts to exploit vulnerabilities on target systems.

Our penetration test results provide deeper insight into the actual business risks of vulnerabilities that are present on your system and show how an attacker can exploit the vulnerabilities on your network and use the compromised machine to gain access to sensitive member information.

This test helps to clearly identify the actual risk the vulnerabilities on your network pose to your overall infrastructure.

Penetration testing provides your institution with regulatory compliance on the following guidelines:

  • GLBA – Section III.C.3 12 CFR Part 364 Appendix B.
  • NCUA – IS&T Questionnaire IT-IDS/IPS, Section E, 34 and 35; IT – Penetration Test Review, Section A, B, C,6-7, and 8c; IT – Servers, Section C, 19-21.t

Attackers are always looking for ways into a financial institution’s systems to gain access to the sensitive information that they possess. Being a small credit union doesn’t exclude you from the potential of an attack. In fact, many criminals actually target small financial institutions specifically; knowing they are less likely to devote the necessary resources to prevent attackers.

A vulnerability scan is an automated process that scans the computers, servers, printers, and other devices connected to your institution’s network.

Our scanning service scans your systems and looks for known security gaps and holes in your network. The system will then generate a report prioritizing the remediation efforts based on the severity of each threat and the relative risk that your credit union assigns to each of your assets.

Vulnerability scanning provides your institution with regulatory compliance to the following guidelines:

  • GLBA – Section III.C.3 12 CFR Part 364 Appendix B
  • NCUA – IS&T Questionnaire IT-IDS/IPS, Section E, 34 and 35; IT – Penetration Test Review, Section A, B, C, 6-7, and 8c; IT – Servers, Section C, 19-21

Attacks against vulnerabilities in web-based application software continue to be an increasing trend. Application software that does not properly validate user inputs, or fails to sanitize user inputs by filtering out unneeded, malicious characters, could be vulnerable to a remote attack.

Attackers can inject specific exploits, including SQL injection attacks, buffer overflows, cross-site scripting, and click-jacking of code to gain control over vulnerable machines. This can lead to a compromise of your internal network with your public web applications providing an open door directly from the internet to your sensitive member data.

Performing regular web application testing and following up with the removal or mitigation of the vulnerabilities bolsters your layered network security strategy and provides an excellent control against a potential network data breach.

Our team tests your web applications for potential vulnerabilities, helping to ensure the security of your most critical business interfaces.

Web application testing is designed to meet all regulatory requirements, and fully evaluates the security of your applications, whether they have been deployed or are in the development stage.

Contact us today to make sure your web application is not an open door for criminals to access your members' sensitive data.

Wireless internet access is becoming commonplace in most businesses. And credit unions are no different. Whether you offer Wi-Fi access to your members while they are in the branch or only have it available for staff to test systems from outside of your main network, many credit unions now have a wireless system in place at their institution.

This poses separate security issues than just your main network itself.

A wireless security audit analyzes your wireless security configuration, wireless infrastructure, and attacks against your wireless network to establish how well your wireless network is protected from an attack.

Our comprehensive wireless security audit assesses your wireless networks, devices, and countermeasures to ensure you are protecting your organization from potential intruders.

Through our team’s experience and knowledge, we can also demonstrate the impact a successful wireless network intrusion can have on your credit union.

Mass Notification Services

Call trees often breakdown and should not be relied upon to notify your employees of essential information. Our employee notification system can notify employees of important information quickly by multiple means of contact, including email, home phone, and cell phone. You can even create groups of employees for specific notifications that don’t affect all staff, and track your employees’ responses.

Social Engineering Testing

There’s a reason why we practice fire and bad weather drills. It’s so that when life hands us an unexpected situation, we’re able to handle it because we already know the risks. The same can be said of your credit union’s security – the more practice and emphasis you put into security awareness, the better you’ll be able to deal with social engineering threats like phishing, vishing and cyberattacks.

Vizo Financial has partnered with KnowBe4, an industry leader in simulated social engineering testing and security awareness training, to help you get that practice through our social engineering testing services.

In this subscription-based service, you will be able to perform ethical social engineering tests to evaluate the level of security awareness among your staff. By utilizing the same tactics criminals might leverage to gain access to your credit union, the service can help you gauge your level of risk within the institution and adjust your security awareness training accordingly.

From there, you will be able to review your results from the testing through a convenient online portal, where you can also manage your credit union’s information, testing templates and more.

What do our social engineering testing services mean for your credit union? All these things:

  • Reduced risks by improving staff’s security awareness and preparedness
  • Creation of custom security awareness training plans based on staff’s level of knowledge
  • Control over your own social engineering tests with ready-made templates and tools
  • Real-time test results and information storage in an easy-to-use online portal
  • Continuous testing and support from Vizo Financial’s security experts for the length of your subscription

At Vizo Financial, we get it. We know that the security of your credit union and the ability for your employees – those on your front lines – to keep your members’ information safe is so important. Important enough, in fact, it’s worthy of performing social engineering testing, or “drills.” Let us make sure you get the practice you need to better deal with social engineering attacks and other threats!

Video Production

Have you ever thought about creating promotional videos for your credit union? Maybe you've even considered educational videos for staff or putting together a TV commercial. Whatever your goal, the use of videos to promote business is a proven and successful tool.

Vizo Financial offers video production services to help with each step of the production process - from writing a script to shooting and editing. Our video services allow you to connect with your audience in a modern, interactive way.

Types of Videos:

  • TV and Web Commercials
  • Educational/Instructional Videos
  • Staff Training Videos
  • Event Coverage Videos
  • and more!

Interested in using our video services? You can review samples of our custom video work before starting a project.

And if you're looking for a quick and easy way to start promoting your credit union with videos, check out these premade videos that can be branded with your logo!

If you’re interested in purchasing any of our premade videos or want a custom quote, please contact marketing@vfccu.org.

Website Design and Hosting

When it comes to designing and hosting your website, you want a company that understands credit unions. We can help. With our CUSO, MY CU Services, we have all of your hosting needs covered.