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How to Prevent an Account Takeover
ATO is typically the account takeover when a 3rd party takes your credentials. This does not just happen by chance, it is a result of the work of criminals that can then perpetuate fraud, steal all your intellectual property, and then sell it to underground markets. It happens extremely quick and the collateral damage can take a lot of years after that. Over time, there has been tons of ATO prevention products on the market but like anything on the web, nothing is ever foolproof, there really is no such thing as 100% protection. This simple fact that the number of attacks have increased, despite the many ATO prevention products on the market is proof enough that no one ATO prevention product is foolproof.
The timeline of ATO starts with a breach where criminals find and exploit vulnerabilities in forums and websites and then gain access to their user database. These stolen credentials quickly become high-value assets and targeted attacks follow soon after. All the stolen information is stored within their trusted networks until they have monetized the data. Blackmail and extortion is what is often used to bring in the money especially when they identify and recognize the wealthy and high-profile victims who are treated differently from the rest. The stolen data is then used to extort as much monetary value as possible from the victims by these criminals. Afterwards, the account can be sold off to less sophisticated criminals and at this level, the stolen credentials become commodities. Credential stuffing is when these criminals attempt to use the same credentials on other multiple sites and follow the same process of blackmail and extortion. Tools are now easily available online for this very purpose thanks to automated botnets and these are what the criminlas use. It becomes easy for them because so many people reuse passwords on multiple accounts.
ATO prevention is a crucial part and should not be taken lightly. You will find that preventative steps are vital here and is where the real power lies. It is wise to understand that password managers, multi-factor authentication, password rotation, password managers, behavior based technologies are not as effective when used alone. These techniques do not alert security of ATO and there are no means of finding exposed credentials on the underground.
The steps that ought to be taken for effective ATO prevention include fortifying the passwords. This tactic allows you to be proactive instead of always playing defense. This means keeping employees from choosing too simple passwords or recycling previously compromised passwords. Intervening early is the next step and subsequently stopping the sale of any credentials before it happens. Step three is when you stop the bleed. Find an effective solution which will automatically and instantly force an employee to reset the password.

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