Fraud continues to be a challenge for many organizations. According to the 2023 Association for Financial Professionals, 65 percent of organizations report that they continue to be targets of fraud. And as the payments landscape continues to evolve, fraudsters are evolving their tactics too. Targets...

Your HTLF fraud partners, Director John Fick, and Fraud Risk Manager Tracy Swaim, along with their teams, work daily to help prevent and mitigate fraud loss for our clients. Now more than ever, small businesses are at an increased risk of fraud. Due to Covid-19, inflation, and rising interest rates...

Business email compromise scams—also known as BEC scams—can do untold damage to your company and reputation. Recognizing compromised emails is the difference between safe guarding your business or becoming a victim. Learn more about BEC scams and how you can protect your business and your bottom...

Every business owner’s story is unique, yet many will reach a point where they ask the same question – how can I help my business grow? Sometimes the answer to that question is a loan, and knowing ahead of time what lenders will look for can help you simplify the process and secure financing faster...

Discover the many ways your business can benefit from a streamlined and secure payments process utilizing electronic payments. Hear from our clients and team as they share insights and strategies that can positively impact a company’s bottom line. Our client panel includes: A large Construction...

Internal Fraud is the misuse of an organization’s resources or assets conducted by a malicious insider. This individual could be a current or former employee, contractor, or other business relationship who has knowledge of or access to the processes and/or systems within an organization. Due to...

Credential stuffing is an attempt by malicious attackers to use credentials that were previously exposed from another account platform against an online banking environment. The frequency of this type attack is growing exponentially, and they’re becoming more and more sophisticated over time. With...

What is Ransomware? Ransomware is a continuously evolving form of malware designed to encrypt files on a device, rendering any files and the systems that rely on them unusable. Malicious actors then demand ransom in exchange for decryption - often targeting and threatening to sell or leak...

Cryptocurrency (crypto) has been growing in popularity for some time. Last year crypto, defined as the class of digital assets you can spend and invest, reached a milestone. Bitcoin, the best-known crypto, had the highest investment return of any asset class in 2021, outpacing the stock market, real...

Even as Covid-19 infections caused by the delta variant continue to rise in some areas of the country, economic activity continues to increase. Consumer spending rose at an annualized rate of 11.8 percent in the second quarter, according to the U.S. Bureau of Economic Analysis. Payroll employment...