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After you've owned your own business for a while, you know how to run it. You've probably done everything from answering the phones to hiring a general manager, and you can justly claim to know your business inside and out, in general and in detail. In case there's any operation you can't personally undertake, one of your employees probably can. There are, however, exceptions to this rule. Highly technical matters of law, accounting, management and marketing are usually best handled by outside experts. Attorneys, accountants and management and marketing consultants have specialized knowledge about niche areas that you couldn't--and shouldn't--hope to duplicate either personally or in the form of an in-house employee.

Having access to legal, accounting and other expertise is important to help your business grow as rapidly and efficiently as possible. Given enough time, you may be able to master the intricacies of law and finance. But why bother? Hand these duties off to professional service providers. They can do them faster and more effectively than you ever could. Besides, your skills are needed in helping your business expand.

Referrals are the best way to get a new professional service provider. The best source of referrals is other entrepreneurs. Make a point of asking people in the same business sector (service, retail, restaurant, manufacturing, etc.) for referrals. You can also get good referrals from other professionals. That is, ask your accountant for an attorney's name and your attorney for an accountant's name. Other service providers, such as recruiters and bankers, are also good sources. Don't forget to ask suppliers and customers. Trade associations can also be good places to find names of professional service providers.

Once you are outfitted with a few referrals, contact several to gauge their interest in you and your interest in them. Then personally interview at least three prospects.

At your first interview with a professional service provider, be ready to describe your business and its legal, accounting or other needs. Take note of what the provider says and does, and look for the following qualities:

  • Experience. Although it's not essential to find an expert in your particular field, it makes sense to look for someone who specializes in small-business problems as opposed to, say, maritime law. Make sure the professional is willing to take on small problems; if you're trying to collect on a relatively small invoice, for example, will the lawyer think it's worth his or her time?
  • Understanding. Be sure the professional is willing to learn about your business's goals. You're looking for someone who will be a long-term partner in your business's growth. Does the professional understand where you want to be tomorrow and share your vision for the future?
  • Ability to communicate. If the lawyer speaks in legalese or the accountant uses lots of arcane financial terms without bothering to explain them, look for someone else.
  • Availability. Will the professional be available for conferences at your convenience, not his or hers? How quickly can you expect emergency phone calls to be returned?
  • Rapport. Is this someone you can get along with? You will be discussing matters close to your heart with this person, so make sure you feel comfortable doing so. Good chemistry will ensure a better relationship and positive results for your business.
  • Reasonable fees. Attorneys, accountants and other professionals charge anywhere from $90 to $300 (or more) per hour, depending on the location, size and prestige of the provider. Shop around and get quotes from several providers before making your decision. However, beware of comparing one provider with another on the basis of fees alone. The lowest hourly fees may not indicate the best value; an inexperienced professional may take twice as long to complete a project as an experienced one will.
  • References. Don't be afraid to ask for references. What types of businesses or cases has the attorney worked with in the past? Get a list of clients or other professionals you can contact to discuss competence, service and fees.

Some jobs, such as auditing financials to satisfy the requirements of lenders or investors, simply must be done by a professional with specific credentials. A certified public accountant is a good example. If you are looking for legal advice, you certainly want an attorney with a juris doctor or equivalent degree who is a member of the bar.

You have more flexibility in looking for other credentials. The initials MBA after a person's name suggest that, as the holder of a master's of business administration degree, that person is well-trained. However, highly experienced people may be just as effective even if they lack the diploma and the initials. Evaluating the worth of credentials can be tricky. Check with associations such as the American Bar Association, the American Institute of Certified Public Accountants, or the government agency in your state charged with granting CPA credentials.

The professional services marketplace is a buyers' market these days. Here are 10 steps to keep your costs in check without hurting your chances of growing:

1. Choose the right professionals. The key is to match your needs with the skills and resources of the provider. Most small-business owners simply do not need a large, major-city law firm or international accountant. The overhead expenses of such megafirms are passed on to their clients in the form of high hourly rates. Instead of a big name, look for small-business expertise.

2. Examine your fee agreement. Once you find a professional with whom you feel comfortable, read the fee agreement letter carefully. Focus on hourly rates, expenses such as postage and photocopying, and travel time. Ask candidates for a sample of their standard fee agreement for your review. Be suspicious of any professional who balks at this request.

3. Use paralegals and bookkeepers as part of your professional team. Certain legal tasks are straightforward enough that utilizing a paralegal instead of a business lawyer can result in significant savings. The same goes for using a bookkeeper instead of an accountant.

4. Do your own footwork. Keeping organized records, indexing volumes of documents and writing out memorandums can reduce your professional fees significantly. Professionals will do all this for you--but at their hourly rates, and on your tab.

5. Meet with your professionals regularly. At first, this may not seem to be a very effective way to keep fees down, but you'll be amazed at how much it actually reduces both the number of phone calls your provider has to make and the endless rounds of telephone tag.

6. Use your attorney as a coach for minor legal matters. When you have a customer who owes you money and refuses to pay, do you turn the case over to your lawyer? Some entrepreneurs do, but some handle small legal matters on their own by using their attorneys as coaches. Lawyers can be very effective in coaching you to file lawsuits in small-claims court, draft employment manuals, and complete other uncomplicated legal tasks.

7. Demand and examine monthly invoices. While most professionals are diligent about sending out monthly invoices, some wait until the bill is sufficiently large. If yours does not bill in a timely manner, ask for a breakdown of the time spent and costs incurred to date, and for similar monthly invoices to be sent thereafter. When the invoice comes, check the work description to be sure you weren't inadvertently billed for work performed for another client.

8. Negotiate prompt-payment discounts. If you are paying a retainer fee, request that your bill be discounted by 10 percent. (A retainer fee is an amount of money that acts as a fee pre-payment; the remainder is refunded to the client.) Even if you did not pay a retainer, negotiate a prompt-payment discount if you pay your fees within 30 days of your invoice date. You may not get as much of a discount using this method, but even a 5 percent discount on your monthly legal fees can add thousands of dollars per year to your business's bottom line.

9. Do not make impromptu calls to your professional. Most attorneys bill under a structure that includes minimum time increments for repetitive functions such as phone calls. This means when you call your lawyer for a quick question, you will be subject to a minimum time increment for billing purposes. For instance, if you place four impromptu calls a week to your professional at a minimum time increment of a quarter-hour per call, you'll get a bill for an hour of your lawyer's time--even though you only received five minutes' worth of advice! Keep a list of subjects you need to discuss, and make a single call to discuss them all.

10. Negotiate outcome-based fee arrangements with attorneys. Although this is a relatively new concept in the legal market, more and more firms agree to such arrangements in this competitive marketplace. An outcome-based fee arrangement is a risk-sharing plan. Simply put, if your lawyer accomplishes a particular favorable outcome, the bill is adjusted to increase the fees by a preset formula. But if the outcome is not favorable, the final bill is adjusted downward (though not eliminated.)

Get everything in writing when dealing with professional service providers. Your written agreement should cover the scope of the services to be rendered, the duration of the agreement and the fees. The fee schedule should state whether fees are to be based on an hourly, daily or project rate, and who is responsible for paying expenses. You should consider having fees based at least in part on performance to protect you from having to pay top rates for shoddy work.

Your agreement should also specify who will be performing the work for your company. Some professional services firms have certain people whose primary job it is to solicit business, while others do the actual work. However, you may not want a lower-level attorney or junior accountant working on your project.

Finally, the contract should explain how the agreement can be ended prematurely, typically with some kind of notice to the other party. This will allow you to get out of an unsatisfactory contract without having to pay the full amount.

Having access to top legal, accounting and other professional service expertise is essential to your business's long-term health. With these professionals on your side, you can deal effectively with legal, tax and financial issues that might require years of study to master. So instead of trying to do a professional's job, stick to doing what you do best--growing your business.

Thu, 07 Apr 2016 01:31:00 -0500 en text/html
Killexams : Best InfoSec and Cybersecurity Certifications of 2022
  • The U.S. job market has almost 600,000 openings requesting cybersecurity-related skills. 
  • Employers are struggling to fill these openings due to a general cyber-skill shortage, with many openings remaining vacant each year. 
  • When evaluating prospective information-security candidates, employers should look for certifications as an important measure of excellence and commitment to quality.
  • This article is for business owners looking to hire cybersecurity experts, or for individuals interested in pursuing a cybersecurity career. 

Cybersecurity is one of the most crucial areas for ensuring a business’s success and longevity. With cyberattacks growing in sophistication, it’s essential for business owners to protect their companies by hiring qualified cybersecurity experts to manage this aspect of their business. The best candidates will have a certification in information security and cybersecurity. This guide breaks down the top certifications and other guidance you’ll need to make the right hire for your company. It’s also a great primer for individuals who are embarking on a cybersecurity career.

Best information security and cybersecurity certifications

When evaluating prospective InfoSec candidates, employers frequently look to certification as an important measure of excellence and commitment to quality. We examined five InfoSec certifications we consider to be leaders in the field of information security today.

This year’s list includes entry-level credentials, such as Security+, as well as more advanced certifications, like Certified Ethical Hacker (CEH), Certified Information Systems Security Professional (CISSP), Certified Information Security Manager (CISM) and Certified Information Systems Auditor (CISA). According to CyberSeek, more employers are seeking CISA, CISM and CISSP certification holders than there are credential holders, which makes these credentials a welcome addition to any certification portfolio.

Absent from our list of the top five is SANS GIAC Security Essentials (GSEC). Although this certification is still a very worthy credential, the job board numbers for CISA were so solid that it merited a spot in the top five. Farther down in this guide, we offer some additional certification options because the field of information security is both wide and varied.

1. CEH: Certified Ethical Hacker

The CEH (ANSI) certification is an intermediate-level credential offered by the International Council of E-Commerce Consultants (EC-Council). It’s a must-have for IT professionals who are pursuing careers in white hat hacking and certifies their competence in the five phases of ethical hacking: reconnaissance, enumeration, gaining of access, access maintenance and track covering. 

CEH credential holders possess skills and knowledge of hacking practices in areas such as footprinting and reconnaissance, network scanning, enumeration, system hacking, Trojans, worms and viruses, sniffers, denial-of-service attacks, social engineering, session hijacking, web server hacking, wireless networks and web applications, SQL injection, cryptography, penetration testing, IDS evasion, firewalls and honeypots. CEH V11 provides a remapping of the course to the NIST/NICE framework’s Protect and Defend (PR) job role category, as well as an additional focus on emerging threats in cloud, OT and IT security, such as fileless malware.

To obtain a CEH (ANSI) certification, candidates must pass one exam. A comprehensive five-day CEH training course is recommended, with the test presented at the course’s conclusion. Candidates may self-study for the test but must submit documentation of at least two years of work experience in information security with employer verification. Self-study candidates must also pay an additional $100 application fee. Education may be substituted for experience, but this is evaluated on a case-by-case basis. Candidates who complete any EC-Council-approved training (including with the iClass platform, academic institutions or an accredited training center) do not need to submit an application prior to attempting the exam.

Because technology in the field of hacking changes almost daily, CEH credential holders are required to obtain 120 continuing-education credits for each three-year cycle.

Once a candidate obtains the CEH (ANSI) designation, a logical progression on the EC-Council certification ladder is the CEH (Practical) credential. The CEH (Practical) designation targets the application of CEH skills to real-world security audit challenges and related scenarios. To obtain the credential, candidates must pass a rigorous six-hour practical examination. Conducted on live virtual machines, candidates are presented 20 scenarios with questions designed to validate a candidate’s ability to perform tasks such as vulnerability analysis, identification of threat vectors, web app and system hacking, OS detection, network scanning, packet sniffing, steganography and virus identification. Candidates who pass both the CEH (ANSI) and the CEH (Practical) exams earn the CEH (Master) designation.

CEH facts and figures

Certification name Certified Ethical Hacker (CEH) (ANSI)
Prerequisites and required courses Training is highly recommended. Without formal training, candidates must have at least two years of information security-related experience and an educational background in information security, pay a nonrefundable eligibility application fee of $100 and submit an test eligibility form before purchasing an test voucher.
Number of exams One: 312-50 (ECC Exam)/312-50 (VUE) (125 multiple-choice questions, four hours)
Cost of exam $950 (ECC test voucher) Note: An ECC test voucher allows candidates to test via computer at a location of their choice. Pearson VUE test vouchers allow candidates to test in a Pearson VUE facility and cost $1,199.
Self-study materials EC-Council instructor-led courses, computer-based training, online courses and more are available at A CEH skills assessment is also available for credential seekers. Additionally, Udemy offers CEH practice exams. CEH-approved educational materials are available for $850 from EC-Council.

Certified Ethical Hacker (CEH) training

While EC-Council offers both instructor-led and online training for its CEH certification, IT professionals have plenty of other options for self-study materials, including video training, practice exams and books.

Pluralsight currently offers an ethical-hacking learning path geared toward the 312-50 exam. With a monthly subscription, you get access to all of these courses, plus everything else in Pluralsight’s training library. Through Pluralsight’s learning path, students can prepare for all of the domains covered in the CEH exam.  

CyberVista offers a practice test for the CEH 312-50 certification that includes several sets of exam-like questions, custom quizzes, flash cards and more. An test prep subscription for 180 days costs $149 and gives candidates access to online study materials, as well as the ability to download the materials for offline study. Backed by its “pass guarantee,” CyberVista is so confident its practice test will prepare you for the CEH test that the company will refund its practice test costs if you don’t pass.

Did you know?FYI: Besides certifications in information security and cybersecurity, the best IT certifications cover areas such as disaster recovery, virtualization and telecommunications.

2. CISM: Certified Information Security Manager

The CISM certification is a top credential for IT professionals who are responsible for managing, developing and overseeing information security systems in enterprise-level applications or for developing organizational security best practices. The CISM credential was introduced to security professionals in 2003 by the Information Systems Audit and Control Association (ISACA).

ISACA’s organizational goals are specifically geared toward IT professionals who are interested in the highest-quality standards with respect to the auditing, control and security of information systems. The CISM credential targets the needs of IT security professionals with enterprise-level security management responsibilities. Credential holders possess advanced and proven skills in security risk management, program development and management, governance, and incident management and response.

Holders of the CISM credential, which is designed for experienced security professionals, must agree to ISACA’s code of ethics, pass a comprehensive examination, possess at least five years of experience in information security management, comply with the organization’s continuing education policy and submit a written application. Some combinations of education and experience may be substituted for the full experience requirement.

The CISM credential is valid for three years, and credential holders must pay an annual maintenance fee of $45 (ISACA members) or $85 (nonmembers). Credential holders are also required to obtain a minimum of 120 continuing professional education (CPE) credits over the three-year term to maintain the credential. At least 20 CPE credits must be earned every year.

CISM facts and figures

Certification name

Certified Information Security Manager (CISM)

Prerequisites and required courses

To obtain the CISM credential, candidates must do the following:

  1. Pass the CISM exam.
  2. Agree to the ISACA code of professional ethics.
  3. Adhere to ISACA’s CPE policy
  4. Possess a minimum of five years of information security work experience in described job practice analysis areas. Experience must be verifiable and obtained in the 10-year period prior to the application date or within five years of test passage. There are some exceptions to this requirement depending on the current credentials held.
  5. Apply for CISM certification. (The processing fee is $50.) The credential must be obtained within five years of test passage.

Number of exams

One: 150 questions, four hours

Cost of exam

Exam fees: $575 (members), $760 (nonmembers)

Exam fees are nontransferable and nonrefundable.


Self-study materials

Training and study materials in various languages, information on job practice areas, primary references, publications, articles, the ISACA Journal, review courses, an test prep community, terminology lists, a glossary and more are available at Additionally, Udemy offers comprehensive training for the certification exam.

Other ISACA certification program elements

In addition to CISM, ISACA offers numerous certifications for those interested in information security and best practices. Other credentials worth considering include the following:

  • Certified Information Systems Auditor (CISA)
  • Certified in the Governance of Enterprise IT (CGEIT)
  • Certified in Risk and Information Systems Control (CRISC)

The CISA designation was created for professionals working with information systems auditing, control or security and is popular enough with employers to earn it a place on the leaderboard. The CGEIT credential targets IT professionals working in enterprise IT management, governance, strategic alignment, value delivery, and risk and resource performance management. IT professionals who are seeking careers in all aspects of risk management will find that the CRISC credential nicely meets their needs.

Certified Information Security Manager (CISM) training

Pluralsight offers a CISM learning path containing five courses and 17 hours of instruction. The courses cover the domains addressed in the exam, but the learning path is aimed at the CISM job practice areas. 

CyberVista offers a CISM online training course in both live and on-demand formats. The course includes more than 16 hours of training videos, supplementary lessons, custom quizzes, practice test questions and access to experts through the instructor. As with other CyberVista courses, the CISM training course comes with a “pass guarantee.” 

Did you know?Did you know?: According to CyberSeek, there are enough workers to fill only 68% of the cybersecurity job openings in the U.S. A cybersecurity certification is an important way to demonstrate the knowledge and ability to succeed in these job roles.

3. CompTIA Security+

CompTIA’s Security+ is a well-respected, vendor-neutral security certification. Security+ credential holders are recognized as possessing superior technical skills, broad knowledge and expertise in multiple security-related disciplines.

Although Security+ is an entry-level certification, the ideal candidates possess at least two years of experience working in network security and should consider first obtaining the Network+ certification. IT pros who obtain this certification have expertise in areas such as threat management, cryptography, identity management, security systems, security risk identification and mitigation, network access control, and security infrastructure. The CompTIA Security+ credential is approved by the U.S. Department of Defense to meet Directive 8140/8570.01-M requirements. In addition, the Security+ credential complies with the standards for ISO 17024.

The Security+ credential requires a single exam, currently priced at $381. (Discounts may apply to employees of CompTIA member companies and full-time students.) Training is available but not required.

IT professionals who earned the Security+ certification prior to Jan. 1, 2011, remain certified for life. Those who certify after that date must renew the certification every three years to stay current. To renew, candidates must obtain 50 continuing-education units (CEUs) or complete the CertMaster CE online course prior to the expiration of the three-year period. CEUs can be obtained by engaging in activities such as teaching, blogging, publishing articles or whitepapers, and participating in professional conferences and similar activities.

CompTIA Security+ facts and figures

Certification name

CompTIA Security+

Prerequisites and required courses

None. CompTIA recommends at least two years of experience in IT administration (with a security focus) and the Network+ credential before the Security+ exam. Udemy offers a complete and comprehensive course for the certification.

Number of exams

One: SY0-601 (maximum of 90 questions, 90 minutes to complete; 750 on a scale of 100-900 required to pass)

Cost of exam

$381 (discounts may apply; search for “SY0-601 voucher”)


Self-study materials

Exam objectives, sample questions, the CertMaster online training tool, training kits, computer-based training and a comprehensive study guide are available at

CompTIA Security+ training

You’ll find several companies offering online training, instructor-led and self-study courses, practice exams and books to help you prepare for and pass the Security+ exam.

Pluralsight offers a Security+ learning path as a part of its monthly subscription plan for the latest SY0-601 exam. Split into six sections, the training series is more than 24 hours long and covers attacks, threats and vulnerabilities; architecture and design; implementation of secure solutions; operations and incident response; and governance, risk and compliance.

CyberVista offers a Security+ practice test so you can test your security knowledge before attempting the SY0-601 exam. The test comes with a 180-day access period and includes multiple sets of test questions, key concept flash cards, access to InstructorLink experts, a performance tracker and more. As with CyberVista’s other offerings, this practice test comes with a “pass guarantee.”

4. CISSP: Certified Information Systems Security Professional

CISSP is an advanced-level certification for IT pros who are serious about careers in information security. Offered by the International Information Systems Security Certification Consortium, known as (ISC)2 (pronounced “ISC squared”), this vendor-neutral credential is recognized worldwide for its standards of excellence.

CISSP credential holders are decision-makers who possess the expert knowledge and technical skills necessary to develop, guide and manage security standards, policies and procedures within their organizations. The CISSP certification continues to be highly sought after by IT professionals and is well recognized by IT organizations. It is a regular fixture on most-wanted and must-have security certification surveys.

CISSP is designed for experienced security professionals. A minimum of five years of experience in at least two of (ISC)2’s eight common body of knowledge (CBK) domains, or four years of experience in at least two of (ISC)2’s CBK domains and a college degree or an approved credential, is required for this certification. The CBK domains are security and risk management, asset security, security architecture and engineering, communications and network security, identity and access management, security assessment and testing, security operations, and software development security.

(ISC)2 also offers three CISSP concentrations targeting specific areas of interest in IT security:

  • Architecture (CISSP-ISSAP)
  • Engineering (CISSP-ISSEP)
  • Management (CISSP-ISSMP)

Each CISSP concentration test is $599, and credential seekers must currently possess a valid CISSP.

An annual fee of $125 is required to maintain the CISSP credential. Recertification is required every three years. To recertify, candidates must earn 40 CPE credits each year, for a total of 120 CPE credits within the three-year cycle.

CISSP facts and figures 

Certification name

Certified Information Systems Security Professional (CISSP) 

Optional CISSP concentrations:  

  • CISSP Architecture (CISSP-ISSAP)
  • CISSP Engineering (CISSP-ISSEP)
  • CISSP Management (CISSP-ISSMP)

Prerequisites and required courses

At least five years of paid, full-time experience in at least two of the eight (ISC)2 domains or four years of paid, full-time experience in at least two of the eight (ISC)2 domains and a college degree or an approved credential are required. Candidates must also do the following:

  • Agree to the (ISC)2 code of ethics.
  • Submit the CISSP application.
  • Complete the endorsement process.

Number of exams

One for CISSP (English CAT exam: 100-150 questions, three hours to complete; non-English exam: 250 questions, six hours) 

One for each concentration area

Cost of exam

CISSP is $749; each CISSP concentration is $599.


Self-study materials

Training materials include instructor-led, live online, on-demand and private training. There is an test outline available for review, as well as study guides, a study app, interactive flash cards and practice tests.

Certified Information Systems Security Professional (CISSP) training

Given the popularity of the CISSP certification, there is no shortage of available training options. These include classroom-based training offered by (ISC)2, as well as online video courses, practice exams and books from third-party companies.

Pluralsight’s CISSP learning path includes 12 courses and 25 hours of e-learning covering the security concepts required for the certification exam. Available for a low monthly fee, the CISSP courses are part of a subscription plan that gives IT professionals access to Pluralsight’s complete library of video training courses.

When you’re ready to test your security knowledge, you can take a simulated test that mimics the format and content of the real CISSP exam. Udemy offers CISSP practice exams to help you prepare for this challenging exam.

5. CISA: Certified Information Systems Auditor

ISACA’s globally recognized CISA certification is the gold standard for IT workers seeking to practice in information security, audit control and assurance. Ideal candidates can identify and assess organizational threats and vulnerabilities, assess compliance, and provide guidance and organizational security controls. CISA-certified professionals demonstrate knowledge and skill across the CISA job practice areas of auditing, governance and management, acquisition, development and implementation, maintenance and service management, and asset protection.

To earn the CISA certification, candidates must pass one exam, submit an application, agree to the code of professional ethics, agree to the CPE requirements and agree to the organization’s information systems auditing standards. In addition, candidates must possess at least five years of experience working with information systems. Some substitutions for education and experience with auditing are permitted.

To maintain the CISA certification, candidates must earn 120 CPE credits over a three-year period, with a minimum of 20 CPE credits earned annually. Candidates must also pay an annual maintenance fee ($45 for members; $85 for nonmembers).

CISA facts and figures

Certification name

Certified Information Systems Auditor (CISA)

Prerequisites and required courses

To obtain the CISA credential, candidates must do the following:

  1. Pass the CISA exam.
  2. Agree to the ISACA code of professional ethics.
  3. Adhere to ISACA’s CPE policy.
  4. Agree to the information auditing standards.
  5. Possess a minimum of five years of information systems auditing, control or security work in described job practice analysis areas. Experience must be verifiable and obtained in the 10-year period prior to the application date or within five years after the test is passed. There are some exceptions to this requirement depending on the current credentials held.
  6. Apply for CISA certification. (The processing fee is $50.) The credential must be obtained within five years of test passage.

Number of exams

One: 150 questions, four hours

Cost of exam

$575 (members); $760 (nonmembers)


Self-study materials

ISACA offers a variety of training options, including virtual instructor-led courses, online and on-demand training, review manuals and question databases. Numerous books and self-study materials are also available on Amazon.

Certified Information Systems Auditor (CISA) training

Training opportunities for the CISA certification are plentiful. Udemy offers more than 160 CISA-related courses, lectures, practice exams, question sets and more. On Pluralsight, you’ll find 12 courses with 27 hours of information systems auditor training covering all CISA job practice domains for the CISA job practice areas.

Beyond the top 5: More cybersecurity certifications

In addition to these must-have credentials, many other certifications are available to fit the career needs of any IT professional interested in information security. Business owners should consider employing workers with these credentials as well.

  • The SANS GIAC Security Essentials (GSEC) certification remains an excellent entry-level credential for IT professionals seeking to demonstrate that they not only understand information security terminology and concepts but also possess the skills and technical expertise necessary to occupy “hands-on” security roles.
  • If you find incident response and investigation intriguing, check out the Logical Operations CyberSec First Responder (CFR) certification. This ANSI-accredited and U.S. DoD-8570-compliant credential recognizes security professionals who can design secure IT environments, perform threat analysis, and respond appropriately and effectively to cyberattacks. Logical Operations also offers other certifications, including Master Mobile Application Developer (MMAD), Certified Virtualization Professional (CVP), Cyber Secure Coder and CloudMASTER.
  • The associate-level Cisco Certified CyberOps Associate certification is aimed at analysts in security operations centers at large companies and organizations. Candidates who qualify through Cisco’s global scholarship program may receive free training, mentoring and testing to help them achieve a range of entry-level to expert certifications that the company offers. CompTIA Cybersecurity Analyst (CySA+), which launched in 2017, is a vendor-neutral certification designed for professionals with three to four years of security and behavioral analytics experience.
  • The Identity Management Institute offers several credentials for identity and access management, data protection, identity protection, identity governance and more. The International Association of Privacy Professionals (IAPP), which focuses on privacy, has a small but growing number of certifications as well.
  • The SECO-Institute, in cooperation with the Security Academy Netherlands and APMG, is behind the Cyber Security & Governance Certification Program; SECO-Institute certifications aren’t well known in the United States, but their popularity is growing. 
  • It also may be worth your time to browse the Chartered Institute of Information Security accreditations, the U.K. equivalent of the U.S. DoD 8570 certifications and the corresponding 8140 framework.

Also, consider these five entry-level cybersecurity certifications for more options.

TipTip: Before you decide to purchase training for a certification or an test voucher, see if your employer will cover the cost. Employers may cover all or part of the cost if you have a continuing education or training allowance, or if the certification is in line with your current or potential job duties.

Information security and cybersecurity jobs

According to CyberSeek, the number of cybersecurity job openings in the U.S. stands at almost 598,000, with about 1.05 million cybersecurity professionals employed in today’s workforce. Projections continue to be robust: The U.S. Bureau of Labor Statistics expects 33% growth in information security analyst positions between 2020 and 2030; in comparison, the average rate of growth for all occupations is about 8%.

Security-related job roles include information security specialist, security analyst, network security administrator, system administrator (with security as a responsibility) and security engineer, as well as specialized roles, like malware engineer, intrusion analyst and penetration tester.

Average salaries for information security certified and security engineers – two of the most common job roles – vary depending on the source. For example, SimplyHired reports about $74,000 for specialist positions, whereas Glassdoor‘s national average is about $108,000. For security engineers, SimplyHired reports almost $112,000, while Glassdoor’s average is more than $111,000, with salaries on the high end reported at $261,000. Note that these numbers frequently change as the sources regularly update their data. [Meet the man who kept Microsoft safe and secure for more than a decade.]

Our informal job board survey from April 2022 reports the number of job posts nationwide in which our featured certifications were mentioned on a given day. This should provide you an idea of the relative popularity of each certification.

Job board search results (in alphabetical order by cybersecurity certification)




LinkedIn Jobs



CEH (EC-Council)
























Security+ (CompTIA)






Did you know?Did you know?: Cybersecurity matters even when you’re traveling. Find out how to keep your computer secure when you’re on the road for business or pleasure.

The importance of hiring information security and cybersecurity professionals

According to Risk Based Security‘s 2021 Year End Data Breach Quickview Report, there were 4,145 publicly disclosed breaches throughout 2021, containing over 22 billion records. This is the second-highest number of breached records, after an all-time high the year before. The U.S. was particularly affected, with the number of breaches increasing 10% compared with the previous year. More than 80% of the records exposed throughout 2021 were due to human error, highlighting an ever-increasing need for cybersecurity education, as well as for highly skilled and trained cybersecurity professionals. [Learn how to recover from a data breach.]

If you’re serious about advancing your career in the IT field and are interested in specializing in security, certification is a great choice. It’s an effective way to validate your skills and show a current or prospective employer that you’re qualified and properly trained. If you’re a business owner, hiring certified professionals and skilled IT managers can help prevent cyberattacks and provide confidence that your company’s security is in the right hands. In the meantime, review our quick cybersecurity tips to Boost your company’s protection.

Jeremy Bender contributed to the writing and research in this article.

Thu, 01 Dec 2022 10:00:00 -0600 en text/html
Killexams : Arthur Fontaine

Arthur Fontaine is Principal Product Marketing Manager for RSA NetWitness Suite. In this role he’s responsible for NetWitness platform marketing, focused on the integrated solution of RSA NetWitness Logs & Packets, RSA NetWitness Endpoint and RSA Professional Services (Advanced Threat Detection and Cyber Incident Response). Arthur has extensive experience in the technology industry, including 20 years at IBM in a variety of product roles, working on security, collaboration, and hardware offerings. He began his technology career in telecommunications, with NYNEX (now Verizon) and Northern Telecom. He holds an MBA from Anna Maria College and a BA in English Literature from the University of New Hampshire. You can connect with Arthur on LinkedIn, Twitter, or Facebook.

Sat, 02 Sep 2017 13:26:00 -0500 en text/html
Killexams : The Significance of Data Recapture Exercise

The National Pension Commission (Commission) initiated the Data Recapture Exercise (DRE) in 2019 in compliance with Section 23(e) of the PRA 2014 to update the data of Retirement Savings Accounts (RSA) holders who opened their RSA before 1 July 2019.

Retirement Savings Account (RSA) holders were registered using the Contributors Registration System (CRS) Application when the Contributory Pension Scheme was launched in 2004. The inability to change contributor information and enrol physically incapacitated contributors were a few issues that the CRS application developed over time. To address the shortcomings of the CRS and update contributor data, the Commission developed the Enhanced Contributors Registration System (ECRS). Consequently, all RSA holders who enrolled before the ECRS went live on 1 July 2019 must complete the DRE to migrate their information from the CRS to the ECRS.

The Objectives of DRE

 The need for DRE was given further impetus by the directive of the Federal Government that all data-generating agencies should align their data with the National Identity Management Commission’s (NIMC). Accordingly, synchronizing and aligning RSA holders’ data with the NIMC’s database using the National Identity Number (NIN) as a unique identifier is one of the primary goals of the DRE. The DRE also aims to accomplish the following:

  1. To certain that all Pension Fund Administrators (PFAs) follow the Commission’s rules and requirements for enrolling contributors and moving their data from the CRS database to the ECRS.
  2. Ensuring that the Commission keeps up-to-date records on every RSA holder in Nigeria.
  3. Find and eliminate duplicate RSA registrations from the CRS Database.

Eligibility for the DRE

Every RSA holder who enrolled before 1 July 2019 must participate in the DRE. Whether the RSA holder is a retiree or an active contributor, they must update their data through the DRE. The procedure is simple. To participate, an RSA holder should present the following identification and documents to their PFA:

  1. National Driver’s License, Permanent Voter’s Card, Staff Identity Card, or International Passport (mandatory for non-Nigerians).
  2. NIMC’s enrollment confirmation slip.
  3. Birth certificate or affidavit of age declaration.
  4. A letter of retirement from the employer in the case of retirees.
  5. Marriage Certificate (only applicable in the case of marriage)
  6. A newspaper publication (for change of name)

To expedite the procedure, the Commission authorized a Share Service Initiative (SSI) proposed by the Pension Fund Operators Association of Nigeria (penOp). Two agents, PAY-ONE Solution Limited and Afritech Multi Concept Limited, were designated and assigned to organizations under the SSI to conduct the DRE. The two agents have the approval of NIMC to operate as NIN registration agents. In addition, to ensure the confidentiality of information, the Commission implemented a robust data security architecture.

The Commission monitors and regulates the activities of the agents by ensuring that:

  • The agents’  DRE processes are in tune with validation rules stipulated in the commission-working guide for registering the contributors.
  • The agents Provide a complaints resolution channel,, to enable the Commission quickly track and resolve complaints from RSA holders.
  • PFAs issue acknowledgement slips to RSA holders after successfully submitting their   request for recapturing along with the corresponding documents (where necessary).
  • PFAs provide feedback to RSA holders within five working days.

Benefits of DRE

In light of the foregoing, it is crucial to highlight that the DRE enables the RSA holders to enjoy the following benefits in addition to fulfilling the Commission’s responsibility to maintain a clean database and complying with Federal Government policy to meet NIMC standards:

  1. Enables RSA holders’ to update their information and migrate to the Enhanced Contributors Registration System (ECRS).
  2. Enables RSA holders to update their records relating to a name change resulting from a marriage, a job change, or even the Next of Kin (NOK).
  3. Enables eligible RSA holders to participate in the enrollment and verification exercise.
  4. Enables retired RSA holders to process their retirement benefits.
  5. Enables eligible RSA holders to use 25% of their RSA balance for a residential mortgage.
  6. Enables RSA holders that lose their job to apply for 25% of their RSA balance after four months without securing new employment. 
  7. Enables RSA holders to transfer their RSA from one PFA to another once a year.
  8. Enables an eligible retiree under the program withdrawal option to get pension enhancement.

RSA holders that are yet to participate in the DRE are enjoined to approach their PFAs and participate immediately so as to benefit from the services provided by the pension industry.

If you have any enquiry or require further information regarding the Data Recapture Exercise, kindly get in touch with National Pension Commission on the following phone numbers: 094603930, and 07066924512 or by email:

Mon, 05 Dec 2022 10:00:00 -0600 en-US text/html
Killexams : How to Delete Yourself from Google Searches

Looking to regain a little privacy? Follow these steps to remove your personal information from Google searches—or at least hide the more embarrassing stuff.

There’s a good reason people are opting to remove personal information from Google: A simple Google search can potentially provide someone more information about you than you’d like. A stalker, an employer, or a nosy coworker can often easily find information about where you live, if you’ve had a bankruptcy, your family’s names, and more. In some cases, confidential information like your credit card details, medical history, and signature are also available. At best, this can be embarrassing. At worst, it raises concerns about online security, including identity theft, doxxing, and spoofing.

It can be tempting to try to disappear completely from the Internet. But that takes a lot of legwork, especially when it comes to data brokers, and there is still likely to be a trace of you online. And while Google collects a lot of information about you—yes, even if you do an anonymous search without tracking, use Google Incognito mode, delete your Google activity, and say no to cookies—it doesn’t include that data in its search results. So if you’re concerned about the personal info that’s appearing in a Google search, you’re better off taking it up with the source: Google.

The search giant is making a show of its efforts to protect our privacy these days. Google announced in April that it has updated its policies to allow people to request the removal of their sensitive and personally identifiable information from search results. This adds to existing policies allowing people to request the removal of highly personal information that could cause them direct harm. So read on to find out the easiest way to remove personal information from Google. Then keep improving your digital security by learning how to tell if your computer has been hacked.

What information can I remove from Google?

Until its most accurate privacy policy update, Google would only remove search results featuring highly personal information that could cause direct harm—such as explicit images and videos or fake pornography—if a user requested it. Now, the powers that be will consider general personal and sensitive information for those who wish to protect their privacy. This could include your:

  • Home address
  • Telephone number
  • Email address
  • Work address
  • Credit card or bank details
  • Medical history
  • Confidential log-in details

If you think having this kind of information out there isn’t important, perhaps it’s time you learned what someone can do with your phone number and what someone can do with your email address.

First of all, should you remove personal information from Google?

It’s definitely a personal choice, and your specific situation should inform your decision. “Some people are fortunate to have common names, so when they do Google themselves, they may be buried in the search results,” says Andrew Selepak, a social media professor at the University of Florida. “But people with more unique names may appear in the first few Google search results.”

Before you go on a deleting spree, first take a look at what actually comes up when you Google yourself. To do this, open an incognito window by going to the Chrome browser menu and selecting “File” and “New Incognito Window.” Then type your name into the search box surrounded by quotes. For example, if your name is Joe Jones, you would search “Joe Jones.” Be sure to Google your first and last name, and then your first, middle, and last name. Take note of what pops up on the searches. These will be what you want to focus on removing, if they seem problematic.

Remove personal information from Google for the right reasons

If you’re trying to delete yourself from Google searches so that corporations won’t have your information, you’re going in the wrong direction. Most of the information that companies get about you isn’t gathered from a Google search. This information is typically collected from your social media usage or your online shopping habits, and other data-gathering techniques.

Once the information is in hand, it’s sold from company to company. So even if you decide to wipe yourself from Google searches, there will likely still be plenty of information about you floating around. Removing yourself from Google search results will only help prevent future employers, potential stalkers, and nosy people from easily finding your personal information.

OK, so you’ve made an informed decision to remove personal information from Google. Let’s dive in.

How do I remove all my personal information from Google?

To remove yourself from searches, your first—and maybe most obvious—step is to delete your social media accounts, or at least change the information from your real name to a fake name. “Google can’t show information that doesn’t exist,” says Dave Nilsson, a digital marketing expert with The Converted Click. “If a website removes your credentials, Google will re-crawl, and your information will no longer appear in search results.”

Don’t forget to delete or change old accounts that you haven’t used in years, like on MySpace or Reddit. Googling yourself should turn up any old accounts you may not remember.

Want to keep your accounts? Set your Facebook, Instagram, and other social media accounts to “private,” which prevents Google from showing your pictures in search results too, notes Nilsson. Note, however, that it can take weeks for deleted content to stop showing in search results. For anything that still remains, you can petition Google.

How To Delete Yourself From Google Searches Google Form


Here’s how to remove personal information from Google via the search engine’s request form:

  1. Use this form to request that Google either hide the search results or delete the content.
  2. Depending on which option you pick, you’ll be asked for more information, such as whether you are requesting the content be removed from Google search results and a website or just the search results, and whether or not you’ve contacted the website owner.
  3. From there, specify what type of personal information is showing up in the Google Search.
  4. Check the box indicating the content is live (use this form instead if the content has already been removed but is still showing up).
  5. Google will ask whether the request pertains to doxxing, which the company defines as “contact information being shared with malicious, threatening, or harassing intent.” However you reply, you’ll need to provide links to the offending website, search results, or picture and provide your name, country of residence, and email address.
  6. Toward the end of the form, you have the opportunity to share a list of relevant search terms, such as your full name, nicknames, and maiden name. Google will also ask you to share supplementary details before signing and submitting the removal request.

How long does it take for Google to remove personal information?

Google will send you an email right after your submission to acknowledge it has received your request. The company may contact you if your request does not provide enough details, such as the URLs of the offending content. You will then get a notification of any action taken, such as whether the URLs will be removed from all searches or just those containing your name or other provided identifiers.

If the case does not meet the requirements for removal, you’ll receive a brief explanation as to why and be given a chance to supply additional materials to support your case and resubmit your claim. Unfortunately, Google has not specified how long it is likely to take for decisions to be made.

Will this remove my personal information from the Internet?

Not exactly. Google only has power over what appears in its search results—not what appears on the Internet as a whole. Plus, there’s no certain that the search engine will agree to remove the results containing your information, or that it will remove your info from all searches instead of just those containing your name and aliases.

Google has also stated that when it receives removal requests, it will evaluate all content on the webpage to ensure that it’s not limiting the availability of other information that is broadly useful, like information in news articles. It also won’t remove results when the content appears as part of the public record on government or official websites.

And finally, just because something is removed from a Google search does not mean it’s been removed from the Internet. The information could still be found via a different search engine or if direct links to the content are posted on social media, for example. You would need to contact the owner of the website directly if you want your information removed from the page. You can typically find contact information on a site’s About Us or Contact pages. If that garners no helpful information, go to to get the contact information.

Can I push down results that I can’t remove?

If you have an embarrassing mug shot or other issue that shows up on a Google search and you can’t seem to get rid of it—even after contacting Google or the site owner—you can at least force whatever you don’t like to show up farther down in the results, according to tech expert Caleb Riutta of Dusk Digital.

You do this by flooding Google with other pages that have your name. New social media accounts on different platforms and a new personal blog can all push the embarrassing information back in the search results. “When you update your information in as many places as you can online, Google will start showing this first, as it is up to date and relevant,” Riutta explains.

Of course, this counteracts the idea of wiping yourself from Google, but at least it will make a search present you in a better light. Going forward, be sure to avoid any social media posts that might get you fired or otherwise tarnish your newly positive Google search results.

What else can I do to remove my personal information from the Internet?

Besides removing your personal information from Google searches, there are other steps you can take to delete more of your digital footprint. Let’s take a quick look.

Contact data-collection sites and data-broker services

While Googling yourself, you probably found sites that say things like, “We’ve found the phone number for Joe Jones” or “Click here to get the arrest records of Joe Jones.” These sites are data-collection and data-broker sites. You can use them to access information about someone—including their address, court history, phone number, and family members’ names—for a fee.

Getting your data removed from these sites is totally doable, but it can be a hassle, as each one has a different process. You’ll need to follow the instructions on each individual site, or you can use services like DeleteMe, which will do the work for you, for a fee.

Keep in mind: There’s a chance your info could end up on these sites again in the future. One way to limit the amount of data you inadvertently share is to use good passwords and two-factor authentication, and possibly a password manager that’ll help you keep track of them without relying on common password lists. Another tip from cybersecurity experts: Turn off location tracking on your iPhone and in any apps you use to prevent them from collecting and selling your data.

Delete website comments

Believe it or not, simple comments on website articles can come up in a search too. If you can’t log on to the site and delete the comment yourself, you’ll need to contact the owners and ask them to manually remove the comment. Remember, though, that website owners don’t have to delete comments, and probably won’t, but it’s worth a shot.

“The Internet is still the Wild West, with little government regulation, and it is very difficult to have anything taken down, even if it makes you look bad or is embarrassing,” Selepak says. “Your only recourse is the kindness of strangers, and sadly, we don’t live in a very kind time.”

Hide your home on Google Maps

A Google search of your address will bring up a photo of your home on Google Maps. If that makes you uncomfortable, you can get Google to blur out your house quite easily.

Go to Google Maps, search for your address, and click on the photo of your home. The image will enlarge, and you’ll see a black box appear with your address. Click on the menu inside the box and choose “Report a Problem.” Fill out the form that comes up on-screen and submit it when you’re done. One important note: Google can’t undo this change.

Practice good digital hygiene

Good digital hygiene goes beyond—and may be more important than—Google search results. So as you take stock of the personal information available on Google, consider how you might address security issues that put you at risk for cybersecurity threats such as phishing attacks, spyware, and identity theft.

By investing in security apps and RFID-blocking wallets and learning tricks from the experts—like how to remove spyware from an iPhone and avoid public Wi-Fi dangers—you can thwart would-be hackers and thieves.

Additional reporting by Alina Bradford.


  • Andrew Selepak, social media professor at the University of Florida
  • Dave Nilsson, digital marketing expert with The Converted Click
  • Caleb Riutta, a tech expert at Dusk Digital
  • Google: “New options for removing your personally identifiable information from Search”
  • Google: “Remove select personally identifiable info or doxxing content from Google Search”
Wed, 09 Nov 2022 10:00:00 -0600 en-US text/html
Killexams : Office of Professional and Continuing Education Killexams : Professional and Continuing Education

Achieve & Succeed

In today's economy, updating and developing new job skills is more important than ever. UNG PCE is here to help! From computer training to leadership development to healthcare certifications, we can assist in your career journey. Now is the perfect time to invest in yourself.

Professional & Career Courses

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Our community enrichment programs provide opportunities for developing talent, using creativity, and achieving a mind/body balance. These niche courses are designed so that participants can learn and gain skills in a relaxed learning environment. What interests you?

Personal Interest & Youth Programs


Whether it is a meeting for 20 or an overnight camp for 500 students, UNG has the space and services to make your vision a reality. From dining and catering to AV and IT, our dedicated staff will ensure your event is a success from start to finish. Let's get started.

Meeting & Overnight Camp Rentals

Join us in celebrating our spring graduating professional photography certificate students in this virtual exhibition.    

Start Your Career in Healthcare Today!

Develop real-world skills that will set you apart in the fast-growing healthcare field. Our programs can assist you in achieving your goals and open new doors to your future in the medical field.

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Establishing Connection...

Mon, 14 Jan 2013 20:55:00 -0600 en text/html
Killexams : Sicherheit: Preisgabe von Informationen in python-rsa
SUSE Security Update: Security update for python-rsa

Announcement ID: SUSE-SU-2022:3932-1
Rating: moderate
References: #1178676
Cross-References: CVE-2020-25658
CVSS scores:
CVE-2020-25658 (NVD) : 5.9
CVE-2020-25658 (SUSE): 5.9

Affected Products:
SUSE Enterprise Storage 7.1
SUSE Linux Enterprise Desktop 15-SP3
SUSE Linux Enterprise Desktop 15-SP4
SUSE Linux Enterprise High Performance Computing 15-SP3
SUSE Linux Enterprise High Performance Computing 15-SP4
SUSE Linux Enterprise Micro 5.2
SUSE Linux Enterprise Micro 5.3
SUSE Linux Enterprise Module for Basesystem 15-SP3
SUSE Linux Enterprise Module for Basesystem 15-SP4
SUSE Linux Enterprise Module for Packagehub Subpackages
SUSE Linux Enterprise Module for Packagehub Subpackages
SUSE Linux Enterprise Server 15-SP3
SUSE Linux Enterprise Server 15-SP4
SUSE Linux Enterprise Server for SAP Applications 15-SP3
SUSE Linux Enterprise Server for SAP Applications 15-SP4
SUSE Manager Proxy 4.2
SUSE Manager Proxy 4.3
SUSE Manager Retail Branch Server 4.2
SUSE Manager Retail Branch Server 4.3
SUSE Manager Server 4.2
SUSE Manager Server 4.3
openSUSE Leap 15.3
openSUSE Leap 15.4
openSUSE Leap Micro 5.2

An update that fixes one vulnerability is now available.


This update for python-rsa fixes the following issues:

- CVE-2020-25658: Fixed bleichenbacher timing oracle attack against RSA
decryption (bsc#1178676).

Patch Instructions:

To install this SUSE Security Update use the SUSE recommended installation
like YaST online_update or "zypper patch".

Alternatively you can run the command listed for your product:

- openSUSE Leap Micro 5.2:

zypper in -t patch openSUSE-Leap-Micro-5.2-2022-3932=1

- openSUSE Leap 15.4:

zypper in -t patch openSUSE-SLE-15.4-2022-3932=1

- openSUSE Leap 15.3:

zypper in -t patch openSUSE-SLE-15.3-2022-3932=1

- SUSE Linux Enterprise Module for Packagehub Subpackages 15-SP4:

zypper in -t patch

- SUSE Linux Enterprise Module for Packagehub Subpackages 15-SP3:

zypper in -t patch

- SUSE Linux Enterprise Module for Basesystem 15-SP4:

zypper in -t patch SUSE-SLE-Module-Basesystem-15-SP4-2022-3932=1

- SUSE Linux Enterprise Module for Basesystem 15-SP3:

zypper in -t patch SUSE-SLE-Module-Basesystem-15-SP3-2022-3932=1

- SUSE Linux Enterprise Micro 5.3:

zypper in -t patch SUSE-SLE-Micro-5.3-2022-3932=1

- SUSE Linux Enterprise Micro 5.2:

zypper in -t patch SUSE-SUSE-MicroOS-5.2-2022-3932=1

Package List:

- openSUSE Leap Micro 5.2 (noarch):


- openSUSE Leap 15.4 (noarch):


- openSUSE Leap 15.3 (noarch):


- SUSE Linux Enterprise Module for Packagehub Subpackages 15-SP4 (noarch):


- SUSE Linux Enterprise Module for Packagehub Subpackages 15-SP3 (noarch):


- SUSE Linux Enterprise Module for Basesystem 15-SP4 (noarch):


- SUSE Linux Enterprise Module for Basesystem 15-SP3 (noarch):


- SUSE Linux Enterprise Micro 5.3 (noarch):


- SUSE Linux Enterprise Micro 5.2 (noarch):



Thu, 10 Nov 2022 08:30:00 -0600 de text/html Killexams : Understanding the Retirement Savings Account Transfer Process


The National Pension Commission (PenCom) will commemorate the second anniversary of the rollout of the RSA Transfer, also known as the RSA Transfer Window, on November 16, 2022. The main goal of the RSA Transfer Window is to allow RSA holders the right to transfer their accounts from their existing Pension Fund Administrators (PFAs) to other PFAs of their choosing as provided by Section 13 of the Pension Reform Act (PRA) 2014, “an RSA holder may transfer his RSA from one PFA to another not more than once a year.”.

PenCom had developed and deployed the RSA Transfer System (RTS) to facilitate the RSA Transfer. The RTS is a computer-based application designed to initiate, process and monitor the RSA Transfer process. The RTS is automated, practical, free of charge, and transparent. Since the introduction of the RSA Transfer process, it has received accolades from RSA holders who yearn for improved service and better returns on their pension investments. Accordingly, PenCom has ensured that the requirements for initiating RSA transfers are minimal but with adequate regulatory oversight. 

Given the above, it is appropriate for RSA holders to know how to start an RSA Transfer.

Pre-requisite for the RSA Transfer

Before starting the RSA Transfer process, RSA holders must confirm that the PFAs managing their RSAs have migrated their personal details (biometrics and biodata) to the Enhanced Contributor Registration System (ECRS) platform. If the PFAs have not done that, then the RSA holder must participate in the Data Recapture Exercise (DRE), especially if the RSA holder registered before July 1, 2019. PenCom initiated the DRE to update RSA holders’ data, remove duplicate registrations and use the National Identity Number (NIN) as a unique identifier. Also, the DRE complies with the Federal Government’s order that all data-generating organisations must harmonise their databases with NIMC.

Process of RSA Transfer

RSA holders who opened their RSAs after July 1, 2019, are exempt from the DRE and may begin the RSA transfer process by contacting the PFA they want to transfer to (also known as Receiving PFA). The next step is to submit the following information; Surname, Current Phone Number, RSA PIN, and Email to the Receiving PFA. The Receiving PFA will request the RSA holders’ fingerprints and validate the fingerprints with the NIMC database to establish the identity of the person making the RSA transfer request. Once the Receiving PFA has satisfactorily established the person’s identity, it would print a confirmation slip, which the RSA holder would sign as evidence that their transfer request has been completed. The RSA holder is informed of the transfer request status through an email or an SMS to the address or phone number provided when the transfer request was initiated.

Subsequently, the current PFA (Transferring PFA) will transfer all the funds in the RSA to the Receiving PFA under the supervision of PenCom. After the RSA had been transferred, PenCom and the Receiving PFA will notify the RSA holder. Please note that RSA holders on Voluntary Contribution (VC) and Retirees on Programmed Withdrawal (PW) can also transfer their RSAs.

Transfer requests are batched and processed at the end of every quarter (March, June, September and December). However, only transfer requests received latest by the second month of a transfer quarter (February, May, August and November) are processed within the quarter. Accordingly, all transfer requests go through the RTS to the Transferring PFA, who must determine the value of the RSA and transfer it to the Receiving PFA at the end of the transfer quarter.

Upon completing the RSA transfer process, RSA holders should advise their employers of their new PFA for subsequent remittance of their monthly pension contributions. RSA holders should also contact their new PFAs to ensure that the RSA balances transferred by their former PFAs are accurate.

It should, however, be noted that the RSA Transfer process may be unsuccessful due to the following circumstances: the RSA holder has initiated a transfer request within the last 365 days; the data (biometrics and biodata) of the RSA holder have not been recaptured on the ECRS; the receiving PFA is not eligible to administer the RSA; and the verification of the RSA holder’s fingerprint/iris at NIMC fails.


It is anticipated that RSA holders will continue to enjoy a smooth transfer of their RSAs to the PFAs of their choosing as PenCom marks the second anniversary of introducing the Transfer Window. The process has enhanced service delivery and promoted healthy competition among the PFAs. PenCom, Pension Operators, and other essential stakeholders in the pension industry deserve warm congratulations for this outstanding achievement.

Tue, 06 Dec 2022 09:59:00 -0600 en-US text/html
Killexams : Express Employment Professionals

Express Employment Professionals

How does a $6.4M average annual sales* in a $212.8B industry sound to you as a career move? With an Express Employment Professionals franchise, you can put your well-honed business acumen to work. You’ll pair people in your community with the jobs of their dreams—all while achieving yours. Whether you have experience in staffing or are new to the industry, our support team is ready to help you establish, market, and own your franchise. From our responsive help desk to our knowledgeable Franchise Owner network, Express offers support you can depend on. As the #1 global staffing franchise, we are consistently recognized as the industry leader with Good Score in staffing excellence and Franchise Owner satisfaction. You can be the next to bring our proven, high-demand franchise to your market. And our team is here to help you every step of the way.

*For territories open more than 24 months, average sales in 2021 were $6,119,487. First-year offices averaged $900,049 according to Item 19 in the Franchise Disclosure Document. $212.8B industry revenue projection provided by SIA.

Hear from our Franchise Owners on why they are proud to own a staffing franchise and how it transformed their lives.

Fri, 18 Jun 2021 08:57:00 -0500 en text/html
Killexams : Brandeis Graduate Professional Studies

Skill up in your current industry or prepare yourself for a move into a new field. You can enrich your qualifications in just a few weeks, on your schedule, with completely asynchronous online learning options.

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Brandeis worked with the Open Source Initiative to develop a program in Open Source Technology Management with stackable credentials. Explore our different open source modalities

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Fill a skills gap in communications, project management, marketing, analytics and other key areas, or get to know our programs if you're interested in eventually pursuing a master's degree. You do not need to be enrolled in a graduate program to take a course. Learn more about these professional development options

Interested in a course or subject area you don't see here? Contact for a full catalog of options.

Mon, 15 Nov 2021 05:51:00 -0600 en text/html
050-SEPRODLP-01 exam dump and training guide direct download
Training Exams List