Oversharing Online

Social engineering refers to the methods attackers use to manipulate people into sharing sensitive information, or taking an action, such as downloading a file. Sometimes a social engineer is able to rely solely on information posted online or will sometimes interact with the victim to persuade the victim to share details or perform an action.

Information posted online can seem harmless, until you think about how a social engineer could use the same information. By gathering multiple pieces of information from various sources, a cyber criminal could have enough facts about you to craft a very convincing social engineering scam. Think about how these seemingly innocuous details might be valuable to the cyber criminal:
• Posting a picture of your pet might give away your pet’s name, or posting a photo of your car would identify its color. Pet’s name and car color are common security questions.
• Answering a “meme” can give away personally identifiable information (PII) such as your date of birth or other sensitive information, including answers to security questions.
Be careful about how much information you post and think about how the various pieces might be combined for use by a cyber criminal.

Persuasion Scams
The following three common types of persuasion methods highlight different ways social engineers target victims through the Internet.

Tech Support Call Scams
In Tech Support Call Scams the scammer, claiming to work for a well-known software or technology company cold calls victims in an attempt to convince the victim that their computer is at risk of attack, attacking another computer, or is infected with malware, and that only the caller can remediate the problem. In convincing the victim, the scammer often persuades the victim to provide remote access to the victim’s computer. The scammer can then install malware or access sensitive information. In some variations the scammer persuades the victim to pay for unnecessary or fictitious antivirus software or software updates.

Romance Scams
In Romance Scams the malicious actors create fake profiles on dating websites and establish relationships with other site members. Once a sense of trust is established, the scammer fabricates an emergency and asks the victim for financial assistance. The scammer generally claims they will repay the victim as soon as the crisis is over, however, if the victim sends money, the scammer will prolong the scam, sometimes stealing thousands of dollars from the victim.

Traveler Scams
In this scenario, also known as the “Grandparent Scam,” malicious actors use information posted on social media websites by a traveling family member to trick other family members into sending money overseas. Often the scam targets the elderly, who are less likely to realize the information was originally posted online. The scammer will monitor social media websites for people traveling overseas, and then contact the family members, through the Internet or via phone, with a crisis and requesting that money be sent immediately. The scammers rely on all the information users post online about themselves and their trips, in order to convince the family member that they know the traveler and are privy to personal details, and thus should be trusted.

Easy Tips to Protect Yourself from Social Engineering
• Use discretion when posting personal information on social media. This information is a treasure-trove to scammers who will use it to feign trustworthiness.
• Before posting any information, consider: What does this information say about me? How can this information be used against me? Is this information, if combined with other information, harmful?
• Remind friends and family members to exercise the same caution. Request that they remove revealing information about you.
• Verify the identity of anyone who contacts you through different means – do not use the information they provide you.
• Do not send money to people you do not know and trust.

Public Notice on our application to relocate our Main Office

NOTICE

MutualOne Bank, Framingham, Massachusetts has petitioned the Massachusetts Division of Banks for permission to relocate the main office from 828 Concord Street, Framingham, Massachusetts 01701 to 160 Cochituate Road, Framingham, Massachusetts 01701. Any objections or comments relative to this proposal must be communicated in writing to the Commissioner of Banks, David J. Cotney, 1000 Washington Street, 10th Floor, Boston, MA 02118 no later than two weeks from the date of the posting of this notice.

Published:
• 828 Concord Street, Framingham, Massachusetts August 17 through September 16, 2015
• 160 Cochituate Road, Framingham, Massachusetts August 17 through September 16, 2015
• MutualOne.Com August 17 through September 16, 2015

Employees of the Month

Congratulations to our most recent Employees of the Month, Christina Garbarino, assistant manager, Concord Street office, and Michael Carey, training coordinator! Christina was selected for working at a fast pace while consistently achieving successful results. Michael is being recognized for his ability to multi-task – training new Personal Bankers, assisting branches when necessary, and still finding time to manage over 10 Bank-sponsored weekend marketing events since April.

EOM Christina

MutualOne Foundation supports Natick special needs programs with $2,000 grant

Mark R. Haranas, president and CEO of MutualOne Bank and a MutualOne Charitable Foundation trustee, announced today that the Foundation has awarded $2,000 to support special needs programs provided by Camp Arrowhead, the Natick Recreation and Parks Department, and Parents Association of the Handicapped (PATH).

The Foundation grant will provide seven one-week camperships to special needs families requiring financial assistance with program tuition.

“Camping programs such as these are a rewarding experience for individuals with special needs, their families, the sponsoring organizations, and all of the professionals and trained volunteers who come together to make it happen,” said Haranas. “We are pleased to sponsor camperships for special needs individuals who might otherwise miss that opportunity.”

Celebrating the MutualOne Charitable Foundation’s recent grant to Camp Arrowhead and Parents Association of the Handicapped (PATH) are (l-r) Marie Harrington, manager of MutualOne Bank’s Natick office; Andrew Lydon, Camp Arrowhead active games specialist; Rachel Stewart, Foundation administrative director; Melissa Carter, director of Camp Arrowhead and Special Needs Coordinator for the Natick Recreation and Parks Department; and Allie Jennett, Camp Arrowhead waterfront director

Celebrating the MutualOne Charitable Foundation’s recent grant to Camp Arrowhead and Parents Association of the Handicapped (PATH) are (l-r) Marie Harrington, manager of MutualOne Bank’s Natick office; Andrew Lydon, Camp Arrowhead active games specialist; Rachel Stewart, Foundation administrative director; Melissa Carter, director of Camp Arrowhead and Special Needs Coordinator for the Natick Recreation and Parks Department; and Allie Jennett, Camp Arrowhead waterfront director

Cepero joins MutualOne Bank as business banking specialist

Mathew_CeperoMark R. Haranas, president and CEO of MutualOne Bank, has announced that Mathew Cepero of East Bridgewater has joined the Bank as a business banking specialist.

Cepero will be responsible for service and support of commercial banking relationships throughout the organization. He is a United States Marine Corps veteran and worked most recently as a Corporate Sales Trainer and Licensed Banker at Citizens Bank.

 

 

 

Now hiring: Outside Mortgage Originator

MutualOne BankExperience & Education Requirements:

• Bachelor’s degree or equivalent business development experience

• Must meet licensing requirements of NMLS

• Sufficient computer skills to work with mortgage origination software

• Strong customer service and communication skills

Job Requirements:

• Good understanding of lending compliance procedures, laws and regulations

• Proficiency with loan origination software, Fannie Mae DU, Microsoft Word and Excel programs

• Needs to be self-motivated, analyze situations and set priorities

Specific Job Functions:

• Primary duty is to engage in sales outside and away from any Bank or other office.  Expected to customarily and regularly hold outside meetings with potential borrowers and referral sources

• Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community

• Meets with clients, reviews financial documents and communicates with the borrowers regarding their choices of interest rates and loan terms

• Takes, prepares and provides complete mortgage loan applications from prospective borrowers, including all necessary documentation for presentation to the processing area

• Maintains a thorough knowledge of all loan and deposit products in order to provide the best options to customers based on the circumstances

• Maintains a professional appearance and attitude when representing the Bank and available for customers on nights and weekends

• Develops relationships to solicit new business and expand the business of current customers by selling the Bank’s full line of financial products

• Updates job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks and participating in professional organizations

• Completes all required federal and state training regarding mortgage lending

• Bank Secrecy Act responsibilities include identifying suspicious activity, reporting suspicious activity to the BSA Officer, monitoring high-risk loans, helping to identify high-risk customers, adhering to the Customer Identification Program (CIP) Policy and completes annual BSA training

The above is a description of the ordinary duties of the position. It is expected that from time to time other duties, both related and unrelated to the above, may be assigned and therefore, required.

We want our Bank to be diverse, where employees and customers feel comfortable.

We are an Equal Opportunity Employer.

Click here to apply for this position, or to explore other career opportunities at MutualOne Bank.

MutualOne Foundation grants $10,000 to Boys & Girls Clubs Framingham Clubhouse

The MutualOne Charitable Foundation has awarded $10,000 to support programs provided by the Framingham Clubhouse of the Boys & Girls Clubs of MetroWest. Announcement of the grant was made today by Steven M. Sousa, executive vice president and chief operating officer of MutualOne Bank and a Foundation trustee.

The Framingham Clubhouse has over 900 registered members. An average of 260 youngsters between the ages of 6 and 18 participate each day in out-of-school programs at the Pearl Street location.

According to Sousa, the award will help support the Club’s “Youth Development Strategy,” which fosters a sense of belonging, competence, usefulness, and positive and responsible behavior, as well as healthy attitudes and lifestyles.

“The success of the programs and activities offered by the Pearl Street Clubhouse is important to our whole community, now and in the future,” Sousa said. “We are proud to lend our support, and to help ensure continued success as the program grows.”

Celebrating the MutualOne Charitable Foundation’s recent grant to the Boys & Girls Clubs of MetroWest are (Rear l-r) Rachel Stewart, Foundation administrative director; Francis X Hurley, Boys & Girls Clubs of MetroWest president; and Donna Gogliormella, manager of MutualOne Bank’s Lincoln Street, Framingham office together with program participants.

Celebrating the MutualOne Charitable Foundation’s recent grant to the Boys & Girls Clubs of MetroWest are (Rear l-r) Rachel Stewart, Foundation administrative director; Francis X Hurley, Boys & Girls Clubs of MetroWest president; and Donna Gogliormella, manager of MutualOne Bank’s Lincoln Street, Framingham office together with program participants.

Maloney promoted to AVP at MutualOne Bank

Mark R. Haranas, president and CEO of MutualOne Bank, has announced the promotion of Lynnette A. Maloney of Blackstone to assistant vice president, commercial lending.

Maloney supervises commercial lending support personnel, and is responsible for managing the Bank’s lending documentation. She joined MutualOne Bank in 2012 from Bank of America, where she served as a portfolio monitoring officer.

Maloney holds a bachelor’s degree from the University of Massachusetts in Amherst.

MutualOne Foundation awards $2,500 to Read to a Child in two Framingham schools

Read_to_a_childSteven M. Sousa, executive vice president and chief operating officer of MutualOne Bank and a MutualOne Charitable Foundation trustee, recently announced the Foundation’s award of $2,500 to support the Read to a Child program at the Brophy and Woodrow Wilson elementary schools in Framingham.

The lunchtime reading program in the two schools serves 95 students in grades one through four who are struggling with literacy. Adult volunteer mentors share one-on-one time with the students, instilling in them a love of reading and a love of learning.

“The Foundation award will allow Read to a Child to provide updated books and materials for the growing lunchtime reading program,” said Sousa. “We are pleased to help increase the success of these children in reading, and in life, through this program.”

Framingham Police receive $2,500 for National Night Out event

frampoliceA $2,500 grant from the MutualOne Charitable Foundation will help fund the Framingham Police Department’s National Night Out on August 4 from 4pm to 7pm.

National Night Out is a community-police awareness event held annually across the country since 1984. Locally, it brings Framingham families and seniors together with Framingham police and fire personnel for an evening of free barbecue served by the Framingham Housing Authority staff, music, tours of fire engines and squad cars, ice cream, and more.