How to Protect Against Escalating ATM Attacks with Multi-Layered Security

ATM attacks are on the rise—both across the United States and worldwide. Criminals are employing a wide spectrum of tactics, from brute-force physical intrusions to highly sophisticated cyber exploits. With the threat landscape evolving rapidly, there is no single solution capable of protecting an entire ATM fleet.

To effectively reduce risk, financial institutions must adopt a multi-layered ATM security approach. Combining physical, electronic, software, and network countermeasures significantly enhances resilience and helps prevent financial loss and reputational damage.

Physical Security Measures

Physical defenses remain a critical first line of protection. Best practices include:

• Replace factory locks on ATM toppers, fascia, and beauty doors with high-security locks.
• Reinforce ATM safes to resist “Hook and Chain” attacks.
• Install bollards and security gates to prevent ram-raid intrusions.
• Use card readers equipped with anti-shimming plates to block card fraud attempts.

Electronic Security Measures

Adding electronic safeguards strengthens physical defenses:

• Install alarms in the top section of the ATM.
• Add siren and strobe lights to deter tampering.
• Expand camera coverage around ATM sites.
• Deploy card readers with anti-skimming technology.

Software Protection

Software controls are essential for mitigating ATM cyberattacks:

• Activate MoniGuard encryption on ATM hard drives.
• Configure MoniGuard whitelisting to block unauthorized software.
• Keep ATM software current with Hyosung MoniAct and MoniPlus updates.
• Regularly install Windows security patches.
• Update all access passwords (Winlock, Supervisor, etc.) from factory defaults.

ATM Network & Communication Security

Securing ATM communication channels is vital:

• Enable TLS (Transport Layer Security) to protect data in transit.
• Actively manage and update firewall configurations to block malicious traffic.

Preventive Measures for Financial Institutions

Technology alone is not enough. Routine inspections help identify tampering before attacks succeed. Daily checks should include:

• Look for new stickers, labels, or added plastics on the fascia.
• Ensure fascia components are weathered evenly.
• Inspect for scratches or damage near the card reader or key locks.
• Test that the card reader is secure and has no overlays.
• Check for unusual holes that could hide pinhole cameras.
• Confirm external lighting is bright and even.
• Verify cameras are positioned and focused correctly.
• Ensure keypads look and feel normal, ruling out overlays.

ATM Managed Services: Proactive Protection

Wittenbach Managed Services helps financial institutions stay ahead of threats by:

• Standardizing software across ATM fleets.
• Remotely deploying Windows patches.
• Verifying appropriate security software levels.
• Remotely updating passwords and dispense limits.
• Monitoring ATM activity and detecting unusual or criminal behavior in real time.

Strengthen Your ATM Security with Wittenbach

The best way to defend against modern ATM attacks is through a layered strategy that combines physical hardware, cyber defenses, and managed services. By integrating proactive monitoring and real-time threat response, financial institutions can reduce vulnerabilities and protect both assets and customers.

Contact your Wittenbach Account Manager today to learn more about building a resilient ATM security strategy.

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