BEC & Wire Fraud Risk Calculator
Business email compromise and wire fraud are among the costliest cybercrimes for businesses, and they almost always succeed through process gaps rather than malware — a spoofed executive, a compromised mailbox, a vendor banking-change email that nobody verified by phone. This free interactive calculator scores 14 of the controls that actually matter: email authentication (SPF, DKIM, DMARC enforcement), MFA and mailbox-rule monitoring, out-of-band callback and dual approval for payments, vendor banking-change procedures, and finance-team training. You get a live Low / Moderate / High / Critical risk rating, your coverage by area, the highest-impact gaps driving your number, and an exportable report you can hand to finance and leadership. Built by a Texas MSP — accurate, and clearly not an audit or legal advice.
BEC / Wire Fraud Risk Calculator
Answer 14 questions about email authentication, account security, payment verification, and your people-and-process controls. Get a live BEC / wire-fraud risk score, the specific gaps driving it, and prioritized fixes. 100% browser-only — nothing is sent to LayerLogix.
Email Authentication
SPF published and aligned
A valid SPF record lists every legitimate sending source for your domain.
DKIM signing enabled
Outbound mail is cryptographically signed with DKIM so recipients can verify it.
DMARC at p=reject (enforcement)
A DMARC policy of p=reject (or p=quarantine) instructs receivers to block spoofed mail. p=none is monitoring only.
Lookalike / cousin domain monitoring
You monitor for and act on newly registered lookalike domains (e.g. rn vs m, .co vs .com) used to impersonate you or vendors.
Account Security
MFA enforced on all email accounts
Phishing-resistant or app-based MFA is required for every mailbox, including executives and finance.
Mailbox rule / forwarding monitoring
You alert on auto-forwarding rules and inbox rules that hide replies — a hallmark of mailbox takeover.
Payment Verification
Out-of-band callback for payment changes
Any change to payment details or banking info is verified by calling a known, pre-existing phone number — never a number from the request email.
Dual approval for wire transfers
Wire transfers above a threshold require two authorized approvers, with segregation of duties.
Formal vendor banking-change procedure
Vendor bank-account changes follow a documented procedure with independent verification before any payment is sent to the new account.
New-payee / first-payment verification
First payments to a new payee are independently verified and may use a small test transaction.
People & Process
Finance-team BEC / wire-fraud training
Finance and AP staff receive targeted training on BEC, invoice fraud, and urgency/secrecy social-engineering tactics.
Regular phishing simulations
You run phishing simulations and track click/report rates, with follow-up coaching.
Executive-impersonation playbook
Staff are trained that "urgent + confidential + bypass-process" requests from executives are red flags, with a no-blame escalation path.
Wire-fraud incident response + recall plan
You have a documented plan to act fast on a suspected fraudulent wire — bank recall, FBI IC3 report, and the 72-hour kill-chain window.
- DMARC at p=reject (enforcement)
- MFA enforced on all email accounts
- Out-of-band callback for payment changes
- Dual approval for wire transfers
Self-assessment only — not an audit and not legal advice. If you suspect an active fraudulent wire, contact your bank and FBI IC3 immediately.
What We Offer
Comprehensive solutions tailored for Houston-area businesses
14 Real-World Fraud Controls
Covers email authentication (SPF, DKIM, DMARC enforcement), MFA and mailbox-rule monitoring, out-of-band callback and dual approval for payments, vendor banking-change procedures, and finance-team training.
Weighted Risk Score
Controls are weighted by how much they actually move BEC and wire-fraud risk — callback verification and dual approval carry more weight than supporting controls — for a realistic Low / Moderate / High / Critical rating.
Coverage by Area
See exactly where you are exposed — email authentication, account security, payment verification, or people and process — with a visual coverage bar for each area.
Gaps Ranked by Impact
The highest-impact missing controls are surfaced first, each with a plain-English note on why the gap matters to attackers.
Prioritized Report Export
Download a dated text report with your risk level, control-by-control status, ranked gaps, and a prioritized remediation plan. Share it with finance and leadership.
100% Browser-Only
Nothing is sent to LayerLogix servers, never logged, never stored. Your assessment stays on your device — no email gate, no signup.
Why Choose LayerLogix?
Serving businesses throughout the Greater Houston area including Houston, The Woodlands, Sugar Land, Dallas, Fort Worth, Austin, San Antonio.
Quantify a Six-Figure Risk
BEC and wire fraud are among the costliest cybercrimes for businesses. This tool turns a vague worry into a concrete, defensible risk rating.
Find the One Control That Matters Most
Out-of-band callback verification stops the majority of wire-fraud attempts. The tool shows whether your single most effective control is actually in place.
Get Finance and IT Aligned
Wire fraud lives at the seam between finance process and IT controls. A shared report gets both teams looking at the same gaps.
Brief Leadership in Five Minutes
Export a clean report your CFO or owner can act on — no jargon, just risk level, gaps, and fixes.
Free Forever
No email gate, no signup, no upsell on the tool itself. We earn the conversation by giving away the tool.
Our Process
Frequently Asked Questions
What is business email compromise (BEC)?▼
How is the risk score calculated?▼
Why is callback verification weighted so heavily?▼
Does DMARC alone stop BEC?▼
Is my data sent anywhere?▼
What should I do if I think a fraudulent wire already went out?▼
Do you provide BEC & Wire Fraud Risk Calculator in Houston and nearby areas?▼
What does BEC & Wire Fraud Risk Calculator cost for a Houston business?▼
Ready to Get Started?
Contact LayerLogix today for a free consultation. We serve businesses throughout Houston, The Woodlands, Sugar Land, and the surrounding Greater Houston area.