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Business Email Compromise 101: How a Fake CEO Email Costs Real Money

Business owner standing confidently in a modern small-business office

Business email compromise cost U.S. victims $3 billion in 2025 alone, and it rarely involves malware. Someone impersonates an executive or vendor by email, creates urgency, and asks for a wire transfer. No virus. No exploit. Just a well-timed lie. Every other threat covered in VJNetworks’ cybersecurity work involves some piece of malicious code somewhere. … Read more

The GLBA Safeguards Rule for Financial Advisors: A Small RIA Compliance Checklist

Financial advisor reviewing a printed compliance binder in a modern advisory office

The GLBA Safeguards Rule (16 CFR Part 314) requires most state-registered RIAs to run a written information security program, and even the small-firm exception for under 5,000 clients only waives four of ten required elements, not the rule itself. Two different federal regulators enforce cybersecurity rules on investment advisors. Which one has authority over a … Read more

Cyber Insurance Renewal Denied? The Fix-It Checklist Before You Reapply

Small business owner reviewing a cyber insurance renewal letter at his desk

A denied cyber insurance renewal almost always comes down to one of five gaps: unenforced MFA, partial EDR coverage, backups nobody has actually tested, no written incident response plan, or proof an underwriter can’t verify. Fix those, then reapply. Insurers never used to check much. A short form, an honest “yes” next to multi-factor authentication, … Read more

What Cyber Insurers Actually Require in 2026: MFA “Enforced” vs “Available”

IT consultant showing a phishing-resistant hardware security key to a small business owner

 Cyber insurers don’t treat all MFA the same in 2026. “Enforced” means every account that touches email, remote access, or admin systems requires it, no exceptions, and CISA itself ranks the method you use from phishing-resistant down to SMS, the weakest option on the list. Two different questions get collapsed into one on most … Read more