The NAFCU Journal July - August 2017 - 19

''

Enforce the policy
that no one should
ever be in the credit
union unattended.

''

example, they may know that they need
to make sure all the security cameras are
in good working order, but not that the
lenses inside the cases need to be readjusted for the best lines of sight.

The Fix: Hire an outside security company to take care of audits; just beware
of companies that try to sell you a
product or system on the back end,
suggests Coursen.
6. Your credit union is too
member-friendly.
Credit unions are known for being open
and friendly, encouraging members to

visit branch locations and interact with
employees. This is a good thing - except
that if you're too open and friendly, it
opens your credit union up to physical
security risks, says Brian Pye, a principal
in the Specialized Advisory Group at
CliftonLarsonAllen LLP, a professional
services firm in Minneapolis.
"When we walk in posing as a member
or a third-party vendor, the natural reaction is, 'We want to help you and let you
do what you came here to do,' " Pye says.
"Employees are very accommodating,
which can be risky. They don't escort us;
they pretty much allow us free rein." And
as Pye has demonstrated in his work, it's
fairly easy to forge badges and documents to gain access to a credit union.
The Fix: Enforce the policy that no one
should ever be in the credit union unattended. A member representative needs
to be with any members who are in the
branch, and vendors should be escorted

by whichever department is in charge of
the contract relationship; for example,
if IT hires a repairman to fix a printer,
someone from the IT department needs
to stay with him at all times.
7. You think your credit union is too
small to need good security and too
poor to afford it.
Credit unions like to differentiate themselves from big banks. But sometimes,
says Stasiak, this mentality translates to
"We don't need the same level of security,
and we can't afford it." This lack of due
diligence also opens credit unions up to
physical security risks.
The Fix: You still need to do due diligence, but the good news is that because
of your size, your outlay for security
systems, audits and procedures shouldn't
be too painful. Change your mentality
from "We're not a big bank, so we don't
need and can't afford a security system"

Always Be Prepared
W

hen you operate a credit union in
Oklahoma, your most serious threat
isn't robbers or cybercriminals - it's severe weather. That's why at Tinker Federal
Credit Union in Oklahoma City, a big part
of Security and Safety Officer John Micue's
job is to make sure all the facilities are
prepared for tornados.
In 2010, Micue developed "Go Kits" full of
basics such as trash bags, work gloves,
hammers and crowbars, which were issued
to Micue plus six employees in Tinker's
facilities department. Micue also stocked
two locations on opposite sides of the city
with additional supplies such as lights, hard
hats and giant rolls of plastic - so that
no matter where a tornado hit, workers
wouldn't have to cross a line of debris to
transport equipment and supplies to the
affected branch.
Counterintuitively, one thing they don't do
at Tinker FCU is tornado drills. "The tornado

THE NAFCU JOURNAL  JULY-AUGUST 2017

warnings [in Oklahoma] can wear on
you, so adding drills on top of that ... well,
drills have their place, but we don't want
employees to be fatigued and think, 'Oh no,
not another drill,' " Micue says.
Instead, Tinker conducts annual safety and
security training that includes information
on what to do and where to go should
severe weather hit; Micue used to conduct
the trainings in person, but they're now all
online. Tinker also has a checklist employees can follow. Says Micue, "If you forget
everything, you can find the packet, read
the directions, do what it says, and you'll
be fine."
Tinker FCU was put to the test in 2013,
when an EF5 tornado bore down on
the Moore branch. Twenty-two people,
including staff members, a passerby,
the manager and a police officer, filed
into the vault where safety deposit
boxes were held. Micue saw, on video,

the tornado slam into the building 14
minutes later.
At the end, only three exterior walls were
left standing - barely - and not a single
interior room was left intact. Only the vault
where the employees were sheltering
remained standing, and after 50 minutes
Micue received word from the branch
manager that everyone was OK.
Even though the outcome was a major
success for Tinker and its tornado preparation plan, Micue didn't rest on his laurels:
He re-evaluated the branches' and the
credit union's disaster preparedness plan,
and ended up asking for - and getting -
new shelters at several locations, four
portable generators and couplers on all of
the facilities to hook up the generators.
Says Micue, "We took all the lessons and
wrapped them into our current disaster
recovery plans."

19



Table of Contents for the Digital Edition of The NAFCU Journal July - August 2017

Our First 50 Years
Events Calendar
From the Chair
Inside NAFCU
The Digital Download
How Secure Is Your Credit Union?
The Bank Secrecy Act
2017 Annual NAFCU Award Winners
2016 NAFCU Annual Report
Getting to Know …
Management Insight
Compliance Central
Inside NAFCU Services
From the President’s Desk
The NAFCU Journal July - August 2017 - Cover1
The NAFCU Journal July - August 2017 - Cover2
The NAFCU Journal July - August 2017 - 1
The NAFCU Journal July - August 2017 - Our First 50 Years
The NAFCU Journal July - August 2017 - Events Calendar
The NAFCU Journal July - August 2017 - From the Chair
The NAFCU Journal July - August 2017 - 5
The NAFCU Journal July - August 2017 - Inside NAFCU
The NAFCU Journal July - August 2017 - 7
The NAFCU Journal July - August 2017 - 8
The NAFCU Journal July - August 2017 - 9
The NAFCU Journal July - August 2017 - 10
The NAFCU Journal July - August 2017 - 11
The NAFCU Journal July - August 2017 - 12
The NAFCU Journal July - August 2017 - 13
The NAFCU Journal July - August 2017 - The Digital Download
The NAFCU Journal July - August 2017 - 15
The NAFCU Journal July - August 2017 - How Secure Is Your Credit Union?
The NAFCU Journal July - August 2017 - 17
The NAFCU Journal July - August 2017 - 18
The NAFCU Journal July - August 2017 - 19
The NAFCU Journal July - August 2017 - 20
The NAFCU Journal July - August 2017 - 21
The NAFCU Journal July - August 2017 - The Bank Secrecy Act
The NAFCU Journal July - August 2017 - 23
The NAFCU Journal July - August 2017 - 24
The NAFCU Journal July - August 2017 - 25
The NAFCU Journal July - August 2017 - 26
The NAFCU Journal July - August 2017 - 27
The NAFCU Journal July - August 2017 - 28
The NAFCU Journal July - August 2017 - 29
The NAFCU Journal July - August 2017 - 2017 Annual NAFCU Award Winners
The NAFCU Journal July - August 2017 - 31
The NAFCU Journal July - August 2017 - 32
The NAFCU Journal July - August 2017 - 33
The NAFCU Journal July - August 2017 - 34
The NAFCU Journal July - August 2017 - 35
The NAFCU Journal July - August 2017 - 36
The NAFCU Journal July - August 2017 - 2016 NAFCU Annual Report
The NAFCU Journal July - August 2017 - 38
The NAFCU Journal July - August 2017 - 39
The NAFCU Journal July - August 2017 - 40
The NAFCU Journal July - August 2017 - 41
The NAFCU Journal July - August 2017 - 42
The NAFCU Journal July - August 2017 - 43
The NAFCU Journal July - August 2017 - 44
The NAFCU Journal July - August 2017 - 45
The NAFCU Journal July - August 2017 - 46
The NAFCU Journal July - August 2017 - 47
The NAFCU Journal July - August 2017 - Getting to Know …
The NAFCU Journal July - August 2017 - 49
The NAFCU Journal July - August 2017 - Management Insight
The NAFCU Journal July - August 2017 - 51
The NAFCU Journal July - August 2017 - Compliance Central
The NAFCU Journal July - August 2017 - 53
The NAFCU Journal July - August 2017 - Inside NAFCU Services
The NAFCU Journal July - August 2017 - 55
The NAFCU Journal July - August 2017 - From the President’s Desk
The NAFCU Journal July - August 2017 - Cover3
The NAFCU Journal July - August 2017 - Cover4
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