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A young man sits in a cafe by the Volga River in the western Ukraine. Using his laptop, he just robbed your company in the U.S. of $11 million, and your employee was his accomplice.

The latest cyber fraud, according to the FBI and countless corporate victims, is known as business email compromise (BEC) fraud, “CEO fraud,” or “impostor fraud.” And employees are being conned into enabling the thefts—which creates an exclusion under many insurance policies.

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