Industries · Financial services → Credit unions

Protect member data and member trust with the resources a credit union actually has.

Credit unions carry the same member data and payment rails as the big banks, with a fraction of the security team. We test what matters most and give you senior cover where you don’t have it in-house.

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The problem

What credit unions is up against.

01

Lean security team

The same member data and payment rails as a national bank, defended by a fraction of the people.

The problem

Lean security team

Credit unions carry national-bank risk on a community-bank headcount. One or two people can’t run a 24/7 SOC, chase every alert, and still test the things that matter. Heroics won’t fix that, and you can’t fund the hire that would. What works is senior coverage where you need it, aimed squarely at what protects members.

  • National-bank data, community-bank headcount
  • No 24/7 SOC, no room for heroics
  • Senior cover only where it counts
Program review & vCISO →
02

Wire & payment fraud

SWIFT-connected wires and payment processing, where a single fraudulent transfer is the whole ballgame.

The problem

Wire & payment fraud

Wires don’t bounce. A fraudster who reaches your payment path or SWIFT controls can move money once and be gone before reconciliation blinks. We test the controls around wires and payments the way someone trying to steal would: a real attempt that stops at proof, not a checklist walked top to bottom.

  • SWIFT CSP controls and payment ops
  • A single transfer is irreversible
  • Tested as a real attempt, not a checklist
Purple teaming →
03

Member data exposure

The PII and account data that turns a quiet breach into a very public trust problem.

The problem

Member data exposure

Members hand you their financial lives on trust. A breach of that data does more than trigger a regulatory event. It makes them leave. We test the systems holding member PII and account data and show exactly what an attacker could reach, before it becomes a notification letter.

  • PII and account data across systems
  • A breach is a trust crisis, not just a fine
  • We show what’s reachable before they do
Application & API security →
04

Tight budgets

Real obligations, a small budget, so every dollar has to earn its place.

The problem

Tight budgets

Examiners expect a tested program; the budget rarely reflects that. Spending more usually isn’t on the table, so the work is making what you do spend count: retiring the tools that don’t deliver and aiming testing at the risks that would actually hurt members.

  • Examiner expectations, small-shop budget
  • No room for tools that don’t deliver
  • Spend aimed at real member risk
Improving ROI →
How an attacker gets in

How an attacker gets in

A credit union holds the same member data and payment rails as a national bank, with a fraction of the team to watch them. There’s rarely one way in, and a lean team can’t cover every route at once.

EntryFootholdEscalateObjectivePhishingstaff inboxRemote accessVPNMember portalonline bankingCore vendorshared platformStaff endpointteller PCCU networkflat · trustedDomain adminsmall IT teamWire / SWIFT accesspayment opsMember fundsSWIFT wiresMember dataPIIthe route taken this runother possible routesloop back to go again

What you get: a ranked shortlist of the fixes that close the most routes to member funds and data first, so a small team spends its hours where they actually cut risk.

Program review & vCISO →
How we help

Here’s how we help credit unions.

The work that fits your stack, your threats, and the regulators you answer to.

Penetration testing

Focused testing of payment processing and member-facing systems.

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Purple teaming

Prove the SWIFT and payment controls actually hold.

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Program review & vCISO

Senior security leadership without a full-time hire.

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Incenter, continuous

Continuous coverage that scales past your headcount.

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Regulation by regulation

The rules you answer to, and how we test for each.

The SWIFT Customer Security Programme sets mandatory and advisory controls for wire security; NCUA expects a tested program. We assess against both, and Incenter plus fractional vCISO cover the watch your team can’t keep 24/7.

StandardWhat it expectsHow we test it
NCUA
A security program (Part 748), with independent testing expected under the ACET maturity assessment.
Right-sized testing of member-facing and payment systems, built for a lean team.
SWIFT CSP
Mandatory controls under the Customer Security Controls Framework, independently assessed each year.
Assessment against the CSCF, plus simulation that the wire controls hold.
PCI-DSS
Annual internal and external penetration testing of payment systems (Req 11).
Focused testing of payment processing and the cardholder data environment.
GLBA
Regular testing of the safeguards protecting member data (Safeguards Rule).
Testing that proves member-data safeguards work under pressure.
Compliance & risk alignment →
More in financial services

Built for credit unions. Tested for attackers.

Talk to us
Talk to an operator
A senior operator who knows the credit unions threat model and the regime around it.
Continuous platform
See Incenter
Continuous testing across your whole surface, kept current between audits.
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