Category Archives: Awareness

All About Credit Union Credential Stuffing Attacks

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Credential stuffing attacks continue to be a grave concern for all organizations worldwide. However, for many Credit Unions and other financial institutions, they represent one of the most significant threats. They are a common cause of data breaches and are involved in some 76% of all security incidents. On average, our honey nets pretending to be Credit Union and other financial services experience targeted credential stuffing attacks several times per week. 

What Is Credential Stuffing?

“Credential stuffing occurs when hackers use stolen information, such as usernames and passwords from database breaches or phishing software from one account, and attempt to gain access to another. The hackers prey on people’s habit of using the same usernames and passwords for multiple sites. Using automated tools, they run large amounts of stolen information across multiple sites looking to find the same usernames and passwords being used elsewhere. Once they find a match, they can monetize the personal and financial information they gather.” (ardentcu.org)

How Common is Credential Stuffing?

Beyond our honey nets, which are completely fake environments used to study attackers, credential stuffing and the damage it causes is quite starteling. Here are some quick facts:

  • It is estimated that automated credential-stuffing attempts makes up 90% of enterprise login traffic in the US. (securityboulevard.com)

  • It’s estimated that credential stuffing costs companies more than $5 billion a year and creates havoc with consumers. (ardentcu.org)

  • According to Akamai’s latest State of the Internet report on credential stuffing, its customers alone were deluged by 30 billion malicious login attempts between November 2017 and June this year, an average of 3.75 billion per month. (theregister.com)

  • Significant credential stuffing attacks are a favorite of professional hacking groups from Russia, India, Asia and Africa. They often gather extensive lists of stolen and leaked credentials through advanced Google hacking techniques, by combing social media for password dumps (so called “credential spills”) and by purchasing lists of exposed credentials from other criminals on the dark web. Lists of member information from compromised online banking, online retailers and business association sites are common. This information often includes names, addresses, bank account numbers/credit card numbers, social security numbers, phone numbers and other sensitive data – enabling credential stuffing and social engineering attacks against victims around the world.

What Can Credit Unions Do About Credential Stuffing?

The key to handling this threat is to be able to prevent, or at the very least, identify illicit login attempts and automate actions in response to failed logins. Cybercriminals use a variety of tools, rented botnets (including specifically built credential stuffing bots) and brute force attacks to pick off less than strong passwords all around the Internet. Then, as we discussed above, they use that stolen information to probe your credit union for the same login credentials. 

The first, and easiest step, in reducing these cybercriminals’ success rate is to teach all of your legitimate users not to use the same password across multiple systems, and NEVER use passwords from public sites like Facebook, LinkedIn, Instagram, Pinterest or Twitter for example, as account credentials at work or on other important sites. Instead, suggest that they use a password manager application to make it simple to have different passwords for every site. Not only does this help make their passwords stronger, but it can even reduce support costs by reducing password reset requests. Ongoing security awareness is the key to helping them understand this issue and the significance their password choices have on the security of their own personal information and that of the company.

Next, the Credit Union should have a complete inventory of every remote login service, across their Internet presence. Every web application, email service, VPN or remote access portal and every single place that a cybercriminal could try or use their stolen credentials to gain an account takeover. Once, the Credit Union knows where login credentials can be used, they should go about preventing abuse and cyberattacks against those attack surfaces. 

The key to prevention should start with eliminating any Internet login capability that is not required. It should then progress to reducing the scope of each login surface by restricting the source IP addresses that can access that service, if possible. Often Credit Unions are able to restrict this access down to specific countries or geographic areas. While this is not an absolute defense, it does help to reduce the impacts of brute force attacks and botnet scans on the login surfaces. 

The single best control for any authentication mechanism, however, is multi factor authentication (MFA) (basically a form of secure access code provided to the user). Wheverever possible, this control should be used. While multi factor authentication can be difficult to implement on some services, it is widely available and a variety of products exist to support nearly every application and platform. Financial services should already be aware of MFA, since it has been widely regulated by FFIEC, NCUA and FDIC guidance for some time.

More and more, however, credential stuffing is being used against web mail, Office 365 and other email systems. This has become so common, that a subset of data breaches called Business Email Compromise now exists and is tracked separately by law enforcement. This form of unauthorized access has been wildly popular across the world and especially against the financial services of the United States. Compromised email addresses and the resulting wire transfer fraud and ACH fraud that stems from this form of credential theft/identity theft are among some of the highest financial impacts today. Additionally, they commonly lead to malware spread and ransomware infections, if the attacker can’t find a way to steal money or has already managed to do so.

No matter what login mechanism is being abused, even when MFA is in place, logging of both legitimate access and unauthorized access attempts is needed. In the event that a security breach does occur, this data is nearly invaluable to the forensics and investigation processes. Do keep in mind, that many default configurations of web services and cloud-based environments (like Office 365) have much of this logging disabled by default. 

While Credit Unions remain prime targets, having good prevention and detection are a key part of strong risk management against credential stuffing. Practicing incident response skills and business recovery via tabletop exercises and the like also go a long way to stengthening your security team’s capabilities.

How Can MicroSolved Help?

Our team (the oldest security firm in the midwest) has extensive experience with a variety of risk management and security controls, including helping Credit Unions inventory their attack surfaces, identify the best multi factor authentication system for their environment, create policies and processes for ensuring safe operations and performing assessments, configuration audits of devices/applications/cloud environments. 

We also scope and run custom tabletop exercises and help Credit Unions build better information security programs. Our team has extensive experience with business email compromise, wire/ACH/credit card fraud prevention, cybercriminal tactics and incident response, in the event that you discover that credential theft has occurred. 

Lastly, our ClawBack data leak detection platform, can help you watch for leaked credentials, find source code and scripts that might contain reuseable account credentials and even hunt down device configurations that can expose the entire network to easy compromise. 

You can learn more about all of our services, and our 28 years of information security thought leadership here.

Lastly, just reach out to us and get in touch here. We’d love to talk with your Credit Union and help you with any and all of these controls for protecting against credential stuffing attacks or any other cybersecurity issue.

Car Dealership Threat Scenario – Wireless Printer Hacking AP Fraud

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Today, I wanted to talk about a threat scenario that we have modeled recently. In the scenario, the victim was a car dealership, and the target was to commit accounts payable fraud. The testing scenario is a penetration test against a large group of car dealerships, but our research shows the threat to be valid against any number of organizations. 

Here’s the basics of the scenario:

  • The team found a car dealership with an extensive wireless network. Though the network was encrypted and not available to the public, the team was able to compromise the wireless credentials using a wifi pineapple in a backpack, while pretending to shop for a new car.
  • The team used the credentials to return later, appearing to wait for a service visit and working from the customer lounge. (The coffee and snacks were great! )
  • The team logged into the wireless network and quickly identified many devices, workstations and such available. Rather than focus on the workstations or attempt an attack on the users – the team instead focused on the shared printers.
  • One printer was identified with the name “BackOffice”, and access to the print spool was easily obtained through known default passwords which hadn’t been changed on the device.
  • Our team made notes of attack their recon attack path, and left the dealership.
  • Once away from the dealership a couple of simple social engineering calls were made to the accounts payable folks, pretending to be a vendor that we had observed at work at the facility. Without any real information, the accounts payable team member explained when we could expect payment, because accounts payable checks were processed every Thursday morning. The social engineer thanked them and completed the call.
  • On Thursday morning, the team showed up at the dealership again, pretending to wait for a service appointment. While in the lounge, they accessed the compromised network and printer. This time, taking deeper control of the printer’s file buffer.
  • The team waited for the accounts payable staff to submit their weekly check printing to the printer. Indeed, around 10:45, the printer file showed up in the printer spool, where our penetration testing team intercepted it. 
  • The team quickly edited the file, changing one of the checks in amount (increasing the amount by several thousand dollars) and the payee (making the check payable to a fictional company of our choosing). They also edited the mailing address to come to our office instead of the original vendor. (PS – we alerted the manager to this issue, so that the bill could be paid later — never harm a client while doing testing!!!)
  • The file was then re-sent to the printer and released. The whole process occurred in under 3 minutes, so the AP person never even noticed the issue.
  • One expected control was that perhaps the AP staff would manually reconcile the checks against their expected checks, but this control was not in place and the fake check was mailed to us (we returned it, of course!).

This is a pretty simple attack, against a very commonly exploitable platform. Poor wireless network security and default installs of printer systems are common issues, and often not given much thought in most dealerships. Even when organizations have firewalls and ongoing vulnerability scanning, desktop controls, Anti-Virus, etc. – this type of attack is likely to work. Most organizations ignore their printers – and this is an example of how that can bite you.

These types of threat scenarios are great examples of our services and the threat modeling, fraud testing and penetration testing available. If you’d like to learn more about these kinds of activities, or discuss how to have them performed for your organization – get in touch. You can contact us via web form or give us a call at (614) 351-1237. You can also learn more about our role and services specific to car dealerships here.

Thanks for reading and let me know if you have any questions – @lbhuston on Twitter.

BEC #6 – Recovery

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A few weeks ago, we published the Business Email Compromise (BEC) Checklist. The question arose – what if you’re new to security, or your security program isn’t very mature?

Since the checklist is based on the NIST model, there’s a lot of information here to help your security program mature, as well as to help you mature as a security practitioner. MSI’s engineers have discussed a few ways to leverage the checklist as a growth mechanism.

Part 1 and Part 2 covered the first checkpoint in the list – Discover. Part 3 covered the next checkpoint – Protect. Part 4 continued the series – Detect. Part 5 addressed how to Respond.

Continue reading →

How to Respond – BEC Series #5

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A few weeks ago, we published the Business Email Compromise (BEC) Checklist. The question arose – what if you’re new to security, or your security program isn’t very mature?

Since the checklist is based on the NIST model, there’s a lot of information here to help your security program mature, as well as to help you mature as a security practitioner. MSI’s engineers have discussed a few ways to leverage the checklist as a growth mechanism.

Part 1 and Part 2 covered the first checkpoint in the list – Identify. Part 3 covered the next checkpoint – Protect. Part 4 continued the series – Detect.

Now we’ll move along to one of the most important parts of the checklist – Respond.

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Get your magnifying glass – time to detect! BEC Series #4

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A few weeks ago, we published the Business Email Compromise (BEC) Checklist. The question arose – what if you’re new to security, or your security program isn’t very mature?

Since the checklist is based on the NIST model, there’s a lot of information here to help your security program mature, as well as to help you mature as a security practitioner. MSI’s engineers have discussed a few ways to leverage the checklist as a growth mechanism.

Part 1 and Part 2 covered the first checkpoint in the list – Discover. Part 3 covered the next checkpoint – Protect. Now we’re going to move on to the next point – Detect.

Continue reading →

Time to protect – BEC Series #3

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A few weeks ago, we published the Business Email Compromise (BEC) Checklist. The question arose – what if you’re new to security, or your security program isn’t very mature?

Since the checklist is based on the NIST model, there’s a lot of information here to help your security program mature, as well as to help you mature as a security practitioner. MSI’s engineers have discussed a few ways to leverage the checklist as a growth mechanism.

Part 1 and Part 2 covered the first checkpoint in the list – Identify.

Continue reading →

How do you “identify”…BEC #2

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A few weeks ago, we published the Business Email Compromise (BEC) Checklist. The question arose – what if you’re new to security, or your security program isn’t very mature?

Since the checklist is based on the NIST model, there’s a lot of information here to help your security program mature, as well as to help you mature as a security practitioner. MSI’s engineers have discussed a few ways to leverage the checklist as a growth mechanism.

Continue reading →

How do you Identify? Business Email Compromise #1

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Business Email Compromise

business email compromise

Recently, we posted the Business Email Compromise (BEC) checklist. We’ve gotten a lot of great feedback on the checklist…as well as a few questions. What if you’re new to security? What if your organization’s security program is newer, and still maturing? How can you leverage this list?

Since the checklist is based on the NIST model, there’s a lot of information here to help your security program mature, as well as to help you mature as a security practitioner. MSI’s engineers have discussed a few ways to leverage the checklist as a growth mechanism.

Continue reading →

It’s Dev, not Diva – Don’t set the “stage” for failure

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Development: the act, process, or result of developing, the development of new ideas. This is one of the Merriam-Webster definitions of development.

It doesn’t really matter what you call it…dev, development, stage, test. Software applications tend to be in flux, and the developers, programmers, testers, and ancillary staff need a place to work on them.

Should that place be out on the internet? Let’s think about that for a minute. By their very nature, dev environments aren’t complete. Do you want a work in progress, with unknown holes, to be externally facing? This doesn’t strike me as the best idea.

But, security peeps, we HAVE to have it facing the internet – because REASONS! (Development types…tell me what your valid reasons are?)

And it will be fine – no one will find it, we won’t give it a domain name!

Security through obscurity will not be your friend here…with the advent of Shodan, Censys.io, and other venues…they WILL find it. Ideally, you should only allow access via VPN or other secure connection.

What could possibly go wrong? Well, here’s a short list of SOME of the things that MSI has found or used to compromise a system, from an internet facing development server:

  • A test.txt file with sensitive information about the application, configuration, and credentials.
  • Log files with similar sensitive information.
  • .git directories that exposed keys, passwords, and other key development information.
  • A development application that had weak credentials was compromised – the compromise allowed inspection of the application, and revealed an access control issue. This issue was also present in the production application, and allowed the team to compromise the production environment.
  • An unprotected directory that contained a number of files including a network config file. The plain text credentials in the file allowed the team to compromise the internet facing network devices.

And the list keeps going.

But, security peeps – our developers are better than that. This won’t happen to us!

The HealthCare.Gov breach https://www.csoonline.com/article/2602964/data-protection/configuration-errors-lead-to-healthcare-gov-breach.html in 2014 was the result of a development server that was improperly connected to the internet. “Exact details on how the breach occurred were not shared with the public, but sources close to the investigation said that the development server was poorly configured and used default credentials.”

Another notable breach occurred in 2016 – an outsourcing company named Capgemini https://motherboard.vice.com/en_us/article/vv7qp8/open-database-exposes-millions-of-job-seekers-personal-information exposed the personal information of millions of job seekers when their IT provider connected a development server to the internet.

The State of Vermont also saw their health care exchange – Vermont Connected – compromised in 2014 https://www.databreachtoday.asia/hackers-are-targeting-health-data-a-7024 when a development server was accessed. The state indicates this was not a breach, because the development server didn’t contain any production data.

So, the case is pretty strongly on the side of – internet facing development servers is a bad idea.

Questions? Comments? What’s your take from the development side? I’d love to hear from you – lwallace@microsolved.com, or @TheTokenFemale on Twitter!

If you would like to know more about MicroSolved or its services please send an e-mail to info@microsolved.com or visit microsolved.com.