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Top 5 e-signature security best practices for credit unions

first_img 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Andrea Masterton Andrea has been with Silanis since 1999 and holds the position of Corporate Marketing Director. In this role, she oversees industry marketing strategy, market awareness and demand generation within key … Web: www.silanis.com Details Embed the Audit Trail. All electronic signatures, time stamping and audit trails should be embedded directly within the document rather than stored separately in the cloud or a proprietary database. In addition to being more secure and easier to manage, there are two very practical reasons for this:First, document authenticity can be verified independently of the e-signature software. This means there is no need to worry if a verification link will be valid years later, or if it will give you a “page not found” error message. Whether or not you maintain an account on the e-signature service, or whether your vendor is even still in business, your documents will never be affected since you, your members and other stakeholders do not need to go online to verify the e-signed document.Second, you do not have to store the e-signed record in the e-signature service. For example, a new member application can securely travel through any email, storage or archiving system without being compromised. This enables you to manage e-signed records in a manner that meets your long-term records retention policies. In other words, the e-signed document can be indexed, stored and retrieved easily in the system of record of your choice and you can leverage your investments in those systems.As a general rule, always avoid e-signature solutions that require you to access a server to verify the signature or document. Not only will it create an inconvenience to your members, but it also introduces major problems in the event that you terminate your subscription, or the vendor goes out of business. Gather Process Evidence. Digital processes should aim to strengthen a credit union’s legal and compliance position by capturing and reproducing stronger evidence than is possible with pen and paper. The majority of legal disputes call into question the clarity of the process or understanding of terms and conditions, with claims such as, “That’s not what I signed”, “I didn’t see the information / document”, and “I didn’t understand the information”. For this reason, it is not enough to simply secure an electronic document with a tamperproof electronic signature. An enterprise electronic signature platform should provide both document AND process evidence. Process evidence captures a record of all web pages, documents, disclosures, or pop-up windows that were displayed; emails or SMS messages sent; any image capture; IP address; as well as the time/date of each event. Do NOT use Email to Distribute Documents Containing Private Member Information. There are many types of documents that may need to be shared with members; some require signatures, and some, such as consumer disclosures, may not need a signature but by law, must be delivered. Regardless of whether a signature is required or not, if a document contains member information and you need to be able to prove delivery of the information, email will NOT suffice. Firstly, email is not a secure channel; secondly, if emailing a PDF document to a customer, there is no way to be certain your members have the system requirements necessary to receive, open and view the PDF. How can you be sure that the font and layout of the disclosure will display exactly in accordance with the law? The recommendation here is to deliver documents and disclosures through a secure html page (one that the member logs into to view). From there, PDF copies of documents can be downloaded for their own files.By following these 5 best practices, not only will you provide better service to your members through more streamlined processes, you’ll be able to more comfortably embrace electronic signatures knowing that you’re in a more secure legal and compliant position than if you were to continue transacting using pen and paper.Related Resource: Security for E-Signatures and E-RecordsAbout e-SignLive™ by SilanisCredit unions of all sizes choose e-SignLive™ because e-signatures matter. With over 600 million documents processed annually, e-SignLive by Silanis is the most widely used e-signature solution in financial services. As CUNA Strategic Services’ Exclusive E-Signature Partner, we have helped many credit unions with a paperless process for member sign-up, loan fulfillment and more. We understand the unique credit union difference, and can help create a personalized digital and mobile experience for your members. Compliant, enforceable and secure, e-SignLive makes the online signing process easy and accessible. Contact us for special credit union pricing and learn how to get started with e-signatures right away, with no IT effort.center_img When moving member-facing processes online with electronic signatures, security is a top concern for credit unions. It’s important to have confidence that your records will be reliable and enforceable in the event of a dispute or compliance audit, and that your member data is protected. To help with these concerns, we’ve compiled the 5 most important features you need to look for in an electronic solution.Use Digital Signatures. Both the document and the electronic signatures should be protected using digital signature technology. The digital signature creates a digital fingerprint of the document (called a hash) that can later be used to verify the integrity of the electronic record. Even if the document is tampered with in the slightest way, the electronic signature will be visibly invalidated. This is a unique and significant advantage over the paper world, where it is not always possible to detect changes that have been made to a document. It is worth noting that applying a digital signature as an envelope to a document (once all signatures have been captured) is not a recommended practice. This approach leaves the document and signatures unprotected while the process is being completed and results in the wrong date and time stamp being placed on individual signatures. If a signer and co-signer e-sign a mortgage application on two separate days, you want that history reflected in the audit trail. Applying digital signature encryption as each e-signature is added to the application builds a comprehensive audit trail with a unique date and timestamp from when each signature was applied. Make it Easy and Intuitive. Look for intuitive, one-click signature and document verification. If the verification process is too cumbersome, users may wrongly assume that the document and signatures are valid, without proper verification. For example, when verifying a document that has been e-signed with e-SignLive™, users click on the signature block. This opens the audit trail and automatically verifies both signer authentication and document validity. A red ‘X’ or green check indicates whether the document can be trusted. A one-click process such as this simplifies the user experience, leading to greater confidence in the e-signature and reassurance that any errors or fraudulent actions will be detected. Plus, there is no need to train any of your members on how to verify a document.last_img read more

Mets fine, but do not suspend, Mickey Callaway, Jason Vargas after incident with reporter

first_imgThe reporter left the locker room shortly after. He said the incident started after he said “see you tomorrow” to Callaway.“I can always control my reaction to those things,” Callaway told reporters Monday. “I think everybody deserves respect, regardless of job title and role. I hope people can understand that this is a tough game, played by passionate competitors and I hope moving forward that we can all do our jobs, honestly, critically and understanding other people are involved.”The Mets apologized for the incident in a statement and Callaway said he spoke with Healey privately before Monday’s game against the Phillies. The reporter also said he received an apology call from Mets COO Jeff Wilpon late Sunday. “It was a misunderstanding, obviously, for things like that to happen,” Callaway said. “It’s always a misunderstanding. I’m sure there was no malintent by either (side). It’s just something that happened, and we have to move forward.” The Mets fined Mickey Callaway and Jason Vargas after both were involved in a heated exchange with a reporter in the clubhouse after Sunday’s game. No suspensions were issued.”The Mets organization does not condone the behavior that took place (Sunday),” Mets general manager Brodie Van Wagenen told reporters Monday. “We are committed to trying to create a healthy work environment for everybody that works in the game. … The altercation was disappointing. It was regrettable on many levels.” Noah Syndergaard injury update: Mets place pitcher (hamstring) on IL Brodie Van Wagenen addresses the clubhouse incident from yesterday:”The altercation was disappointing. It was regrettable on many levels.”He adds that Mickey Callaway and Jason Vargas have been fined. pic.twitter.com/8PFs6ng9yX— SNY (@SNYtv) June 24, 2019The incident took place after New York blew a late lead and fell to the Cubs, 5-3, at Wrigley Field. Callaway cursed out Newsday’s Tim Healey following the loss and requested he leave the clubhouse. Vargas then stared down the same reporter and words were exchanged. Vargas also said he’d “knock him out,” according to Yahoo Sports.No punches were thrown, but Vargas reportedly “charged” at Healey and had to be restrained by Carlos Gomez and Noah Syndergaard. Related News Mets putting Amed Rosario in outfield? Mickey Callaway says it’s a possibility Mets’ Zack Wheeler addresses trade rumors: ‘It’s something that you don’t want to think about’ “We’re gonna move on like nothing happened”Mickey Callaway says he and the reporter involved in yesterday’s incident have talked privately pic.twitter.com/W1omjxGQCP— SNY (@SNYtv) June 24, 2019Vargas, 36, signed a two-year, $16 million contract with the Mets in February 2018. He called the incident an “unfortunate distraction” and declined to take questions from reporters Monday.Jason Vargas’ entire statement regarding yesterday’s incident: pic.twitter.com/FbiBaSsSYi— SNY (@SNYtv) June 24, 2019Callaway is in his second year with the Mets, as well.last_img read more

Civic activist Dolores Ball dies

first_imgDolores Ball did the accounting for the family business but worked from home, according to relatives. She became a Whittier College trustee in 1962 and remained a member of the panel up until her death. She was active in the college’s Women’s Auxiliary, local PTA and Boy Scout groups, the Assistance League of Whittier, Whittier Historical Society, First United Methodist Church of Whittier and the local chapter of American Association of University Women. “Whittier meant a great deal to her, and she was very loyal to the community and very philanthropic,” said Virginia Ball, who is married to Ball’s son Robert. “She also felt that education was very important, and the value of graduating from college was important for her children and her grandchildren.” Even in her 80s, Palmer said Ball was always ready for the next challenge. “Several years ago, she mentioned she and her children and grandchildren and great-grandchildren used to have online chats,” Palmer said. “And I thought, here is this woman in her 80s, online chatting with her family. And it was absolutely terrific! “That’s the kind of thing that made her an inspiration to me.” Ball was preceded in death by her husband, Kenneth, and her sons John and Donald. She is survived by daughter Bonnie Slager; son Robert Ball and wife Virginia; granddaughters Nancy Ehlen, Diane Gerken (Donald), Kathleen Yetter (Paul), Darlene Chier (John), Karen Hankel (Carl); and grandsons Steve Ball (Jill), Jeff Ball, David Ball (Tammy), and 17 great-grandchildren. A memorial service will be held at noon Saturday at the First United Methodist Church, 13222 Bailey St. The family suggested donations be made to Whittier College’s Ruth B. Shannon Center or Women’s Auxiliary; the First United Methodist Church; or the Whittier Historical Society. [email protected] (562) 698-0955, Ext. 3051 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! WHITTIER – Dolores Lautrup Ball, a longtime Whittier College trustee, community leader and staunch supporter of the college’s Ruth B. Shannon Center for the Performing Arts, died early Saturday of natural causes at her home. She was 93. Ball’s daughter-in-law, Virginia, said the family matriarch’s health had been declining over the past few months, though she remained mentally alert. That was evident as recently as last month, when Ball took up her regular duties as secretary at the January meeting of the Friends of the Shannon Center, according to theater manager David Palmer. “She was just a truly remarkable woman,” said Palmer, who has worked closely with Ball over the last 15 years. “Her death really does leave a void. She was just phenomenal in her energy and activity throughout the entire time I’ve known her. “She always had that Dolores Ball smile, and a twinkle in her eyes,” he added. Born in Los Angeles on Feb. 28, 1913, Ball moved to Whittier in the early 1920s with her family when her father, M.C. Lautrup, bought into the Whittier Sanitary Dairy Co. The business was later renamed the Quaker Maid Dairy, with Dolores Ball’s photograph being used in the company’s logo. She attended Whittier High School, Whittier College and USC, and taught for a brief time before marrying Kenneth Ball, an employee at the dairy, in 1936. When M.C. Lautrup retired, Kenneth Ball took over the reins at the company. He sold it in 1980. last_img read more