ImmuneApp Rebrands to RiskImmune, Marking a Strategic Shift Following AI Integration
Oeisdigitalinvestigator.com:
ImmuneApp, a leading provider of cutting-edge cybersecurity and vendor risk management solutions, is excited to announce its rebranding to RiskImmune. This strategic move underscores the company’s commitment to advancing its capabilities and reinforcing its position in the market following the integration of advanced artificial intelligence (AI) technologies into its platform.
Rebranding to RiskImmune: A Strategic Evolution
The rebranding to RiskImmune represents a significant milestone in the company’s journey. The new name better reflects the company’s expanded focus on comprehensive risk management and its innovative approach to utilizing AI for enhanced security and operational resilience. This transformation aligns with the company’s mission to empower organizations with sophisticated tools that proactively manage and mitigate risks associated with third-party vendors.
Enhanced Capabilities with AI Integration
RiskImmune’s platform now leverages advanced AI algorithms to provide unparalleled insights and proactive risk management solutions. Key enhancements include:
Automated Risk Assessments: AI-driven risk assessments streamline the identification and evaluation of potential risks, ensuring timely and accurate risk profiling.
Continuous Monitoring: Advanced AI continuously monitors vendor activities, offering real-time detection and mitigation of emerging threats.
Predictive Analytics: Leveraging machine learning, the platform can predict potential risk scenarios and recommend preventive measures, enhancing overall security posture.
Improved Compliance Management: AI-powered compliance checks ensure adherence to regulatory requirements and industry standards, minimizing the risk of non-compliance.
Enhanced Incident Management: The platform’s AI capabilities enable swift identification and resolution of security incidents, reducing response times and mitigating impact.
CEO Statement
“We are thrilled to introduce RiskImmune as our new brand identity,” said Magda CHELLY, co-founder of RiskImmune. “This rebranding is more than just a name change; it signifies our strategic evolution and commitment to providing our clients with the most advanced, AI-powered risk management solutions. RiskImmune embodies our vision of a future where organizations can confidently navigate the complexities of vendor risk management with cutting-edge technology at their fingertips.”
Commitment to Innovation and Excellence
The transition to RiskImmune also reflects the company’s dedication to continuous innovation and excellence. By integrating AI, RiskImmune not only enhances its existing offerings but also sets a new standard in the vendor risk management industry. This rebranding effort will be accompanied by a series of updates and improvements across the platform, designed to deliver even greater value to customers.
About RiskImmune
RiskImmune, formerly known as ImmuneApp, is a premier provider of cybersecurity and vendor risk management solutions. The company’s platform leverages advanced AI technology to offer automated risk assessments, continuous monitoring, predictive analytics, and comprehensive compliance management. RiskImmune is dedicated to helping organizations proactively manage third-party risks and enhance their operational resilience.
For more information about RiskImmune and its innovative solutions, please visit https://riskimmune.com.
About RiskImmune by Responsible Cyber
Responsible Cyber Pte. Ltd., headquartered in Singapore, is a pioneering cybersecurity and risk management start-up founded in 2016 by Magda Chelly and Mikko Laaksonen. The company operates in the UK, France, and Poland, backed by corporate shareholders including Singtel Innov8 and NUS Enterprise. With a strong focus on innovation, Responsible Cyber introduced RiskImmune, an AI-powered solution designed to revolutionize third-party risk management.
For more information about Responsible Cyber and RiskImmune, please visit www.responsible-cyber.com.
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Illnesses among patrons of Coho Cafe in Issaquah, WA, spurred an investigation by public health officials, which is being reported on now.
Reports of sick people All had symptoms suggesting norovirus infection, according the Seattle & King County Public Health Department. The department could not find a specific food or drink item that could have been the cause of the outbreak, which included six people.
Symptoms reported by the sick people included vomiting, diarrhea, abdominal pain, and chills. No sick employees were identified at the restaurant.
“After the initial reports of illness, Environmental Health Investigators visited the restaurant on March 27, 2024. We directed restaurant management to do a thorough cleaning and disinfection because we suspected norovirus, a very common cause of gastrointestinal illness,” according to the report from the health department.
“During our visit, we observed an employee putting on gloves before washing their hands, a potential risk factor for spreading illness. We had the employee wash their hands and discussed proper hand washing with staff. We also provided further education about preventing the spread of norovirus. Prevention measures include proper handwashing, preventing bare hand contact with ready-to-eat foods, and appropriate cleaning and disinfection.”
Health department staff revisited the restaurant on April 10 and found they had done appropriate cleaning and disinfection with correct handwashing practices in place.
The health department received another report of sick people after that and Environmental Health Investigators visited the restaurant again on April 24. All staff at the restaurant were interviewed about symptoms of illness. Health inspectors also required all remaining staff confirm to management that they were not sick before starting their next shift. We directed them to conduct a second round of deep cleaning and disinfection and helped update their staff illness policy to meet food code requirements.
The health department staff reviewed the restaurant’s practice for letting staff return to work after they are sick with gastrointestinal illness. Staff must wait at least 24 hours after symptoms stop before returning to work. When the illness might be norovirus, staff must wait at least 48 hours after symptoms stop before returning to work.
(To sign up for a free subscription to Food Safety News,clickhere)
You are here: Home/News/ Former FTX Executive Faces 5 to 7 Years in Prison, Prosecutors Demand
Ryan Salame, a former high-ranking official at collapsed cryptocurrency exchange FTX, finds himself at a sentencing crossroads. Prosecutors are pushing for a stiff 5-to-7-year prison term, while Salame’s defense argues for leniency, suggesting no more than 18 months behind bars. This stark contrast sets the stage for a critical decision in the ongoing fallout from the multibillion-dollar FTX collapse.
On May 20, 2024, federal prosecutors in Manhattan filed a sentencing memo outlining their case for a lengthy sentence. Salame, 30, pleaded guilty in September 2023 to charges stemming from his role in the FTX fiasco. Prosecutors argue that his crimes, including unlicensed money transmitting and illegal campaign finance contributions, were “serious” and warrant a significant punishment.
The stakes are high. Salame is the first of FTX co-founder Sam Bankman-Fried’s inner circle to face sentencing. Bankman-Fried received a hefty 25-year prison sentence in March 2024, a decision he plans to appeal. Meanwhile, Caroline Ellison, Nishad Singh, and Gary Wang – other high-profile figures from FTX – await their sentencing dates.
Salame’s defense team paints a different picture. They acknowledge his crimes but emphasize his cooperation with the authorities. According to their court filing, Salame was the first FTX executive to alert Bahamian authorities about potential fraud in late 2022. This cooperation, they argue, demonstrates a willingness to take responsibility and assist in dismantling the fraudulent scheme.
Defense also highlights Salame’s personal transformation since pleading guilty. They point to raising his first child, seeking substance abuse treatment, and his overall positive contributions before his involvement with FTX.
The charges against Salame center around his actions at FTX’s Bahamian subsidiary. Prosecutors allege he let the company accept customer deposits through a US bank account without a proper license. This exposed customer funds to significant risk.
Additionally, Salame is accused of acting as a straw donor for Bankman-Fried. He allegedly funneled millions of dollars to political campaigns deemed “crypto-friendly” in the lead-up to the 2022 elections. This act raises concerns about the potential influence of cryptocurrency on the political landscape.
The fallout from the FTX debacle has sparked wider interest in increasing regulations within the cryptocurrency industry. In light of this, lawmakers in the U.S. are arguing for the implementation of acts like the Financial Innovation and Technology for the 21st Century (FIT21) Act. This law, received by Representative Wiley Nickel from North Carolina, would clear up what jurisdiction the controlling agencies, mainly the SEC and the CFTC, have in the crypto domain, which could prevent this sort of disaster from happening in the future.
The enigma surrounding Salame’s forthcoming verdict persists through and beyond the ongoing legal process. The prosecution claims that Salame is a shrewd member of a massive enterprise, while Salame himself paints a picture of a deceived follower by a domineering leader. Ultimately, the judge’s decision will determine whether Salame is viewed as deserving of a severe punishment or as someone capable of rehabilitation and reintegration into society.
Have you ever taken out a automobile loan and struggled to pay it wait on? You’re no longer by myself. Debtors such as you owe better than $1.6 trillion in auto debt, and many are falling on the wait on of. Your lender might possibly need given you the chance to transfer payments to a later date, also identified as a “deferment” or “extension.”
We’ve tranquil recommendation from borrowers, user finance consultants, auto dealers and extra to support americans maintain extra-told picks about deferring automobile payments. Our reporting shows lenders aren’t consistently up entrance about how distinguished these deferments will worth you within the long scamper.
In 2018, one lender got into anxiousness for allegedly deceptive borrowers about them. We chanced on one more firm, Exeter Finance, using the same extension practices, driving struggling americans deeper into debt. These deferments especially affect those with uncomfortable credit score, who in total must pay sky-excessive hobby charges to borrow cash.
Exeter Finance responded to our memoir saying it’s “fully dedicated to transparency in its lending practices” and follows all relevant legal pointers. But in dozens of interviews, americans urged us they didn’t realize how distinguished extra they’d owe after they took deferments. At the discontinuance of their terms, some ended up with hundreds of greenbacks in surprising costs. Some defaulted and misplaced their autos anyway.
“If I’d grasp identified,” acknowledged Chassidy Smith, an Exeter borrower residing in Georgia who acquired six extensions trusty thru her five-year auto loan, “I doubtlessly would grasp performed one thing different.”
The Automobile Mortgage Deferment Calculator
To calculate what you might possibly owe on the discontinuance of your automobile loan, all you wish is your contract, your month-to-month relate and the dates that you just acquired deferments. Want aid finding one thing? Learn the put aside to glimpse.
Where to hunt down knowledge about your automobile loan:
Contract: Whilst you happen to don’t grasp a exhausting copy of your auto loan contract, you wish in an effort to web a digital one from your lender’s site.
An excerpt of an Exeter borrower’s contract. What discontinuance the bins on this contract indicate? Jump to our definitions.
Credit:
Got by ProPublica
Dates of deferments: This must level-headed be the months covered by the deferments. Lenders typically send you written notices when they grant you deferments. It’s probably you’ll perhaps contact your lender’s buyer carrier group and ask whereas you don’t be conscious.
Month-to-month relate: Our auto loan calculator is most correct kind whereas you happen to expend your loan’s hobby price, which might possibly be a puny different from the APR, or annual percentage price. You’ll typically safe the factual hobby price to your month-to-month billing relate.
Got extra questions? There’s no disgrace in feeling overwhelmed by the contrivance. Even the consultants sympathize.
“Auto transactions are notoriously complex and confusing,” acknowledged Rosemary Shahan, president and founding father of Patrons for Auto Reliability and Security, an advocacy organization. “There might possibly be nothing in lifestyles that prepares you for that transaction. It’s unlike any different transaction you ever enter into.”
Listed below are answers to a pair of of basically the most typical questions on automobile loan extensions that came up in our reporting.
In most cases Requested Questions on Automobile Mortgage Deferments
What’s a automobile loan deferment?
A automobile loan deferment is when a lender lets you postpone one or extra payments to a later date. Some borrowers acknowledged they selected to defer automobile payments when they confronted surprising charges, admire an illness, storm or loss of life within the household. Others simply couldn’t manage to pay for their loans. Now not all lenders indicate that you just might possibly defer payments, and different lenders grasp different principles. Some, as an illustration, require you to attain a clear selection of on-time payments in a row sooner than they’re going to grant you a deferment.
Question your lender what its particular deferment insurance policies are. Rating them in writing whereas that you just might possibly.
What’s the inequity between a deferment and an extension?
There isn’t any longer any such thing as a inequity. Actually, the User Financial Protection Bureau, a federal watchdog company, uses the terms interchangeably. “Deferment,” “deferral” and “extension” all indicate fundamentally the identical thing: You’re pushing one or extra loan payments to a later date.
How discontinuance automobile loan deferments work?
To attain what deferments discontinuance, you first must realize how automobile loan hobby is supposed to work.
Most automobile loans expend a “straightforward
hobby”
system. This implies that despite the proven reality that you just largely maintain a automobile price as soon as per 30 days, you technically owe a puny bit of hobby for daily of the loan. As a end result, paying late can trigger you to owe extra in a while.
On the different hand, paying early can cleave your steadiness faster. Imagine you acquired the lottery the following day and paid off the total loan trusty now. That might possibly set you money because you’d pay plenty much less in hobby over time.
Let’s deliver you’ve gotten a $15,000 loan with a hefty 25% hobby price that you just are going to pay wait on over 72 months.
Whilst you happen to pay precisely on time, a conventional on daily foundation straightforward hobby automobile loan will glimpse admire this:
Existing: This chart assumes that the borrower consistently paid on time and didn’t accrue late charges.
Credit:
Lucas Waldron/ProPublica
Must you commence off, extra of your price will count in direction of hobby than major (the quantity you owe moreover for hobby) every month. That’s approved. Over time, this dynamic switches: By the loan’s endpoint (also identified as its “maturity date”), you’ll pay largely major except you owe nothing the least bit. Then you definately web the title and grasp the auto outright.
Deferments can exchange this equation. Let’s deliver you transfer a $404 month-to-month price to the discontinuance of your loan several years from now. If your lender costs hobby on the extension, as many discontinuance, you are going to owe better than $404 on the discontinuance of the loan: You grasp to pay greater hobby costs for the relaxation of the loan, so your final payments acquired’t be ample to web rid of your debt. You are going to level-headed owe hundreds, or even hundreds, of greenbacks.
Existing: This chart assumes that the borrower consistently paid on time and didn’t accrue late charges.
Credit:
Lucas Waldron/ProPublica
This leaves some americans with a “balloon price” — a well-organized lump sum, due when your loan period of time ends. These balloon payments caught plenty of Exeter borrowers we spoke to suddenly and introduced about them monetary anxiousness.
Who decides if I’m in a position to defer a automobile price?
It’s indispensable to be conscious that the firm selling you the auto is in total different from the firm which might possibly be collecting the payments. Actually, several consultants urged us that Whilst you happen to decide on out to take out a loan, you’re below no obligation to decide financing on the dealership, even whereas you aquire the auto there.
Whilst you happen to’re making month-to-month automobile payments, there’s a factual chance the seller “assigned” the contract to an auto lender admire Exeter Finance (or Santander User USA or Capital One) after you signed on the dotted line. The lender is the entity you’re now paying wait on — and the actual person that might possibly grant you a deferment.
Will deferred automobile payments worth me cash?
Deferments can worth you additional cash within the long scamper, however the explicit quantity is no longer consistently evident to borrowers. As talked about above, deferments provide a non permanent ruin from month-to-month payments. But when hobby continues to accrue for the length of that reprieve, you are going to discontinuance up paying greater hobby costs and then owing extra in a lump sum on the discontinuance. For Exeter borrowers who acquired a pair of extensions, the final price totaled hundreds of greenbacks.
Should always I take a deferment on my automobile loan?
User finance consultants urged us it depends on several components. General, it’s essential always level-headed imagine it in terms of your broader monetary well being.
“It’s no longer simply the worth of the month-to-month price — it’s all of this different stuff,” acknowledged Dara Duguay, CEO of the nonprofit Credit Builders
Alliance. “Can you manage to pay for fuel? If — and critically if — fuel goes to fluctuate up and down?”
“It’s tempting to easily deliver, ‘Oh yeah, let’s simply add it to the discontinuance,’” acknowledged John Van Alst, director of the National User Regulations Heart’s Working Vehicles for Working Families conducting. But “if the numbers weren’t working sooner than — unless one thing’s modified — there’s a trusty chance the numbers aren’t going to work as you continue to transfer ahead.”
Some borrowers urged us they regretted their choices to settle for deferments. Some didn’t. But nearly everyone we spoke to wished they’d had extra knowledge.
“I’d grasp tried to attain preparations” admire making extra payments, acknowledged Natosha Smith, an Exeter borrower residing in Georgia whose eight automobile loan extensions resulted in a balloon steadiness of roughly $6,000. “I truly didn’t realize the fat complexity of the wretchedness.”
What questions must level-headed I ask sooner than taking a deferment?
Whilst you happen to’re though-provoking on deferring a automobile price, consultants deliver it be indispensable to web as distinguished knowledge in regards to the worth as conceivable.
Pamela Foohey, a College of Georgia law professor who reports subprime lending, acknowledged lenders would ideally give borrowers a desk explaining what they’re going to owe every month except the discontinuance of the loan. She acknowledged the desk must level-headed lay out “precisely what goes to be paid, broken down by major and hobby.”
Foohey also suggested asking for:
Your recent loan maturity date.
An explanation of any charges or penalties.
Any adjustments to your month-to-month price quantity.
A breakdown of what can be going to major versus hobby for
all future payments.
Rating conscious of your different monetary tasks, too, acknowledged Barry
Coleman, vice president of program administration and
education on the National Foundation for Credit
Counseling. Question your self: Will I even must
skimp on requirements to preserve within the auto? Is the deferment to cure a
one-off enviornment, or am I suspending price since the auto wasn’t
cheap within the first scheme?
“Discontinuance a funds,” Coleman urged. “Know what your
charges are and whether or no longer or no longer an extension is obligatory. Perhaps you’re
ready to attain some adjustments in numerous options of your funds, the put aside you
don’t must web this extension.”
Will deferring a automobile price anxiousness my credit score?
In most cases, deferments discontinuance no longer negatively affect your credit score discover. Right here is because they build no longer seem just like the identical as late payments. Instead, they signify a mutual agreement between you and your lender. But undergo in thoughts you can anxiousness your credit score by failing to restart payments when they change into due any other time — or by failing to repay your balloon steadiness.
I’m in a position to’t maintain my automobile price. What can I discontinuance moreover deferring a price?
It’s probably you’ll perhaps grasp options. Consultants we spoke to acknowledged the first thing to total is call your lender. Diversified banks grasp different compensation insurance policies, and attempting to adjust your agreement proactively is in total a factual bet.
“Gaze the extension supply because the initiating of a negotiation,” Foohey acknowledged. “It’s miles no longer the object that you just fully must take.”
Question to change the date your price is due every month. For some americans, paying off a automobile loan consistently is all about timing. If it’s extra convenient for you to be billed simply after you receive a paycheck, characterize your lender that. Question if they’ll exchange your due date to raised match the rhythm of your income.
Ask a price belief. In preference to lengthen your loan, some lenders will indicate that you just might possibly pay a smaller month-to-month price for a whereas, then maintain better your bill totals later to steadiness issues out. Whilst you happen to decide on out to total this, be clear to ask your lender for a written breakdown of how the price belief will work and how it would exchange the hobby costs.
Refinance your loan. Refinancing draw attempting to hunt down a monetary institution that might possibly aquire the debt from your auto lender and continue working with you at a lower hobby price. Figuring out an contrivance admire this might possibly occasionally carry down both your month-to-month price and the total quantity you’ll owe within the long period of time. But undergo in thoughts that refinancing in total requires a actual price history or factual credit score.
There are also many of credit score counseling nonprofits across the U.S. that can aid let you know.
The Credit Builders
Alliance has
better than 600 individuals and a at hand contrivance to hunt down one discontinuance to you.
What must level-headed I discontinuance if I’m in a position to’t manage to pay for to pay wait on hobby on my deferment?
Whilst you happen to’ve made plenty of on-time payments in a row, there’s a huge gamble you’ve improved your credit score discover along the kind. If that’s the case, user finance consultants deliver it’s worth reaching out to a monetary institution or credit score union to seem at if they’ll refinance your loan.
Now not everyone can discontinuance this, despite the proven reality that. Once the factual worth of automobile loan deferments grew to change into clear to a pair of of the borrowers we interviewed, they saw no alternative however to let their automobile be repossessed. Repossessions and late payments anxiousness your credit score discover, and broken credit score can preserve you from getting a low hobby price to your subsequent automobile loan.
One silver lining: Whilst you happen to give up your automobile, it’s conceivable you acquired’t discontinuance up owing the total the relaxation of the loan. That’s because after a lender auctions it off, they’re in total required to worth you most efficient the inequity between what you owe and what they got at public sale. But beware: If your loan the relaxation used to be better than the auto’s trusty worth, there’s a huge gamble you might possibly level-headed owe a large chunk of exchange after this.
I grasp my lender didn’t give me knowledge they were speculated to. Is there anything I’m in a position to discontinuance?
First, that you just might possibly try to work one thing out with them. Per
CFPB,
“Companies can in total resolution questions spicy to your wretchedness and
extra particular to the services and products they supply. Preserve the total
documents, messages, voicemails, and records of your interactions with
the seller or lender.”
If that doesn’t work, you’ve gotten the simply to file a criticism to state
and federal regulators.
It’s probably you’ll perhaps likely expend this database
to hunt down your attorney approved’s contact knowledge. Besides to to
fielding complaints, your attorney approved can typically aid resolution
questions on your state’s automobile loan legal pointers.
CFPB also has a searchable “know your
rights”
database that answers many of questions on automobile loans.
By hook or by crook, in narrate for you to attain the federal legal pointers that practice to
your automobile loan, the National Automobile Dealers Association has an easy-to-realize
primer.
AAuto contracts in total contain class-motion lawsuit waivers and arbitration provisions. These can maintain it exhausting for folk to sue lenders.
For this motive, plenty of recent shimmering motion in opposition to auto lenders has attain from the CFPB and state attorneys approved. When those agencies sue a firm, it must typically end result in a monetary settlement for folk harmed. It’ll wipe away borrowers’ debt and end their autos from getting repossessed.
General Automobile Mortgage Phrases
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