Alabama 1099 Mortgage Loan Originator Jobs Remote

Alabama Remote Work From Home Procedures

While working from home is very common today, it provides both the employer and the employee
With many benefits, we need to make sure security protocols are put in place and followed. Identity
Theft is the largest financial crime in this country,and a mortgage application provides everything. An 
identity thief would need. With that being said, the following security measures need to be taken in
home offices while working remotely.

1.) Physical Locks. The door to the home office needs to have a keyed lock. This door is to be
locked during non-working hours (nights, weekends, etc.) No physical documents are
allowed to be maintained in a home office. These documents contain sensitive borrower
information, including SSN’s, DOB’s, bank account numbers, and credit card numbers, and
must be secured in the company office.

2.) Electronic Locks. All computers, desktops or tablets that access the company network
must be locked while not in use and password-protected. In addition, any smartphones
that access the company network i.e. check email, must also automatically lock when not
in use and be password protected.

3.) Security Software. Any electronic devices that connect to the company network must have
the most up-to-date Anti-Virus software. This includes desktops, laptops, tablets, and
cellphones.
Management reserves the right to come to the home office and check to ensure that these
security measures are in place. Any employee found to have not instituted these security
measures or found to be not following the security protocols will be terminated.

Internet & Data Security
Employees may have access to confidential information contained in the company’s customer database.
This information belongs to Coast 2 Coast Mortgage and may not be shared with anyone. We
require the consumer sign a Consumer Privacy Notice, whether or not an application is taken.
All loan originators, processors and other staff members referencing file documents from former
customers for the purposes of evaluation and processing and application shall adhere to the policies set
forth regarding use and re-use of consumer information and information-sharing. For direct marketing to
prior customers, the consumer may be unaware of what information, and the extent of information, that has been made available to the company representative, who may be a different loan originator. In these
cases, caution must be exercised to ensure the borrower that access to their information was duly
authorized and in compliance with privacy regulations.
Email is a critical mechanism for business communications. Nevertheless, we live in a world that requires
security to protect us, both in physical and in electronic forms. Thousands of people attempt to obtain
your digital footprint and our client’s digital footprint every single day. It’s imperative that we don’t
allow this to happen; and by following some simple steps, we can minimize the chances of clients’ data
falling into the wrong hands. 

Phishing
Phishing is the attempt to acquire sensitive information such as usernames, passwords and credit card
details by masquerading as a trustworthy entity in an electronic communication. Communications
purporting to be from popular social websites, auction sites, banks, online payment processors or IT
administrators are commonly used to lure the unsuspecting public. Phishing emails may contain links to
websites that are infected with malware. Phishing is typically carried out by email or instant messaging,
and it often directs users to enter details into a fake website, whose look and feel are almost identical to
the legitimate one. If you come across an email or instant message that you are unsure of, DO NOT OPEN
& DO NOT CLICK ON HYPERLINKS. Do not forward the email either, as it could contain malware; have your
manager review the email to make a determination if it’s legitimate or a phishing attempt. Remember
that phishing can extend to social media, so be vigilant on Facebook and LinkedIn as well.

Spyware
Spyware is software that enables a user to obtain covert information about another’s computer activities
by transmitting data covertly from their hard drive. Spyware is mostly classified into four types: system
monitors, trojans, adware, and tracking cookies. While the term “spyware” suggests software that
monitors a user’s computing, the functions of spyware can extend beyond simple monitoring. Spyware
can collect almost any type of data, including personal information like internet surfing habits, user logins,
and bank or credit account information. Spyware can also interfere with user control of a computer by
installing additional software or redirecting web browsers. Some spyware can change computer settings, 
which can result in slow internet connection speeds, unauthorized changes in browser settings, or
changes to software settings. To combat the threat that spyware poses, our network and any connected
devices must be protected by anti-virus and anti-spyware software. We’ve chosen Norton Security as our
system.

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