You Have a Virus, Now What?

What to Do After a Security Breach
That sinking feeling after you’ve clicked the button. The email looked legitimate, but now it’s downloading malware. Your mind starts racing: What do I do first?

Your instinct might be to stay on the computer and search for answers. Instead, take a screenshot of this article for later, then disconnect immediately.

• Disconnect from the internet.
  • Make sure your device does not automatically reconnect to a backup network.
• Scan your computer.
• Use a separate device or network to change your passwords.
  • Do not use the potentially compromised Wi-Fi connection.
• Call and freeze your banking or financial accounts.

These are the first steps to take. Here’s why: even if you disconnect, other devices on the same network may still be vulnerable. That means even smart devices, like a refrigerator, could potentially be exploited if someone is determined to maintain access. A best practice is to separate your networks, such as having both an appliance network and a guest Wi-Fi.

Run a full virus scan on your computer, and ensure all smart devices are updated with the latest software to eliminate vulnerabilities. After completing the first four steps, take inventory of all your autofilled passwords. If you use a secure password manager, it can help you quickly review and update many of them.

Next, contact each of your financial institutions. This includes your banking and savings accounts, home loan or HELOC providers, credit card companies, digital payment services, investment accounts (including your financial advisor), and credit reporting agencies.

Ongoing monitoring can take many forms. If your financial advisor can initiate money movements, they will typically be alerted to any transaction requests. This can serve as a critical line of defense. Credit reporting agencies and financial institutions also offer monitoring services.

Make sure email and text alerts are enabled on the device you use most. The faster you can detect and stop suspicious activity, the better for both your peace of mind and your bank account.

Let’s face it. There are people out there waiting for a moment of distraction to take advantage. Make sure you have a plan in place, and that your family knows what to look for if they receive a suspicious email, even if it appears to come from you. As a financial advisor, I may not have every answer when it comes to securing your technology, but I can help you protect your finances.

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