BEC is a con run over email: an attacker poses as your CEO, a trusted vendor, or a colleague and talks an employee into wiring money or changing banking details.
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Because there is no malicious link or attachment to catch, it slides right past spam filters and antivirus.
Business email compromise · Before and after
Follow one con email to the payables desk
One Tuesday, one payables desk: a hijacked mailbox, an urgent wire and a vendor's new bank. See why BEC slips past filters, then the MFA, alerts, callbacks and training that stop it. Tap a lens or let it play.
Three emails on the payables desk. Two of them are cons.
Tuesday on an ordinary payables desk: a routine invoice, a note from the owner asking for a wire before five, and a vendor saying they've changed banks. Two of those are a con, and neither carries a link or an attachment. Flip between before and after to see where the money goes.
What LayerLogix does
Find the places where one email can still move money
Put MFA, mailbox alerts and a callback step around them
Train the people who approve payments to pause and verify
CEO fraudVendor invoice fraudPayment verification
Open the owner's mailbox
Before · The quiet mailbox takeover
The owner's mailbox is real. The person reading it isn't.
It often starts with one phished password on a mailbox without MFA. The attacker signs in, reads your payment threads for a while, then adds a hidden rule so replies about invoices skip the inbox. From the owner's chair nothing looks wrong. Replay it and watch the folders.
What LayerLogix does
Turn on MFA for every mailbox, executives included
Look for sign-ins from unfamiliar places and devices
Hunt down hidden inbox rules that forward or bury mail
OWNER'S MAILBOXInbox9Sent+1ArchiveDeletedRSS Feeds3 readPassword phishedtyped into a fake sign-in pageSigns in, no MFA askedfrom an unfamiliar cityReads the payment threadswho pays whom, and whenAdds a hidden inbox rule"invoice" → RSS Feeds, mark readReplies get buriedthe owner doesn't see themWrites to AP as the ownerfrom the real addressWHAT THE OWNER SEESFront deskLunch Thursday?Insurance agentRenewal draft attachedPaving co.Parking lot quoteNothing here looks wrong.The vendor's replies sit in RSS Feeds.Read the email it sends
Before · Why the filter lets it through
No link, no attachment, nothing for the filter to catch
Spam filters and antivirus hunt for bad attachments, risky links and known-bad senders. A BEC email has none of them. It's a few polite lines from a real or look-alike address, leaning on authority and a deadline. Switch between the two requests and watch the scan come back clean.
What LayerLogix does
Add impersonation and lookalike-domain detection
Set up SPF, DKIM and DMARC so your domain is harder to fake
Show your team why a clean scan doesn't mean a safe email
No payloadAuthority + urgencyLookalike domains
AP INBOX · 2:47 PMFromOwnerowner@YOUR DOMAINSubjQuick favor, todayIn meetings until 5. Need a wireto a new supplier out today.Don't call, I can't talk. Just getit done and I'll explain later.Sent from my phoneno link · no attachmentFILTER + ANTIVIRUSAttachmentsnoneLinksnoneKnown-bad sendernoMalwarenoneNOTHING TO FLAG · DELIVEREDWHAT THE PERSON READSAuthorityit's from the owner's mailboxUrgencyout today, before 5Secrecydon't call, I can't talkNew payeea supplier nobody knowsNow add a second key
Fix 1 · MFA on every mailbox
A stolen password alone no longer opens the mailbox
With MFA on every mailbox, executives included, a phished password is only half a key. The sign-in still needs the owner's phone, and a prompt they didn't start is the tip-off that someone has the password. Switch MFA off and on to watch the same stolen password try the same door.
What LayerLogix does
Enforce MFA on every Microsoft 365 mailbox, the owner's too
Teach staff to report a sign-in prompt they didn't start
Reset the password and revoke sessions when one is stolen
MFA everywhereUnexpected promptsSession revoke
password: ••••••Attackerunfamiliar cityOWNER'S MAILBOX+PASSWORDnoneNOT ASKEDMAILBOX OPENNo promptnothing askedOwner's phoneWHAT HAPPENS NEXTPassword accepted, mailbox openA rule is added, threads are readNo prompt, so nobody noticesAccess can stay quiet for weeksWatch for the quiet signs
Fix 2 · Mail-rule and sign-in alerts
The quiet signs of a takeover now raise an alert
A takeover leaves tracks: a new forwarding rule, a sign-in from an unfamiliar place, a vendor domain that's one letter off. We set up monitoring for those signs in Microsoft 365 and a banner on email from outside. Pick a warning sign and follow the alert through.
What LayerLogix does
Alert on new forwarding and hidden-folder inbox rules
Watch mailbox sign-ins for unfamiliar locations and devices
MAILBOX TRIPWIRESSIGN-INSINBOX RULESINBOUND MAILALERT · AUTOMATEDA new rule moves "invoice" mail to RSS Feeds and marks it readWHAT HAPPENS NEXTRule removed, the mail moved backPassword reset, sessions revokedSign-in logs read back to the startThe alert is automatic. A person follows up.Verify the bank change
Fix 3 · Out-of-band payment verification
Bank changes wait for a call to a number you already had
If you add one control against BEC, make it this one. Nobody changes a vendor's bank details or pays a new account until someone calls a number already on file, not one from the email. Pick a fake change or a real one. The same call sorts out both.
What LayerLogix does
Write a callback rule for every new payee and bank change
Use numbers already on file, not ones from the email
Document the step so your insurer can see the control
Out-of-band callbackNumber on fileNew-payee checks
VENDOR RECORDYour parts suppliervendor since 2019 · net 30PHONE ON FILE(713) 555-0148REMIT-TO BANK•••• 4471unchangedCHANGE LOGFake request reportedcallback 10:12 AM · AP deskCHANGE REQUESTar@parts-supplier.exampleNew remit-to: •••• 5820Please update before Friday.It looks the same either way.CALLBACKnumber on fileDid you change banks?No change. That's not us.THE RULE AT THE AP DESK1Any new payee or bank change waits2Call a number already on file3Not a number from the email4Log who confirmed it, and whenRequest stopped and reported to usInvoice #4471 still pays •••• 4471Train the people who pay
Fix 4 · Training for the people who pay
Your payables team learns to pause when the payee changes
BEC goes after people, not servers, so the people who move money get the practice: AP, finance, executives and admins. Realistic simulations build one reflex: when a request changes who gets paid, slow down and verify. Flip between untrained and trained to see the two paths.
What LayerLogix does
Run realistic BEC simulations for AP, finance and executives
Coach one reflex: a payee or bank change means verify first
Write a first-hours playbook: bank, IC3, insurer and us
BEC simulationsFinance + AP trainingIncident playbook
"New bank" or "wire it today"Does it change whogets paid, or how?No → normal approvalYesUNTRAINEDIt feels urgent, so act fastthe owner said todayReply to the email to checkthe attacker says "yes"The wire leaves the accounta recall is a race against hoursFound days laterwhen the real vendor callsTRAINEDSpot the pressureurgent, secret, don't callPause, call a number on filenot the one in the emailForward it to ITasking first is the right callNothing leaves the accountand the team learns the tellWE TRAIN AP · FINANCE · EXECUTIVES · ADMINS↻ Back to the payables desk
Tuesday · The payables desk
Three emails on the payables desk. Two of them are cons.
Tuesday on an ordinary payables desk: a routine invoice, a note from the owner asking for a wire before five, and a vendor saying they've changed banks. Two of those are a con, and neither carries a link or an attachment. Flip between before and after to see where the money goes.
What LayerLogix does
Find the places where one email can still move money
Put MFA, mailbox alerts and a callback step around them
Train the people who approve payments to pause and verify
CEO fraudVendor invoice fraudPayment verification
TUE 4:55 PMINnew mailNO CHECK STEPPAIDmoney sentInvoice #4471usual vendor + bankPAID"Owner": wire by 5new payee, keep quietPAID OUTVendor: new bankuse our new accountPAID OUTParts supplier•••• 4471Your bankoperating accountUnknown acct•••• 9902END OF DAYPaid: all three emails, no questionsTwo payments went to •••• 9902Found Friday, when the vendor callsOpen the owner's mailbox
Showing Tuesday · The payables desk: Three emails on the payables desk. Two of them are cons.
What We Offer
Comprehensive solutions tailored for Houston-area businesses
The Plain-Language Definition
Business Email Compromise (BEC) is a fraud where an attacker uses email — often from a real, hijacked account — to trick someone in your company into sending money or sensitive data. There is usually no malware and no malicious link to catch. The attacker impersonates a CEO, vendor, or trusted colleague and relies on authority, urgency, and a plausible story to get an employee to authorize a wire transfer, change banking details, or release payroll information. It is con artistry delivered over email, and it is one of the costliest cybercrimes affecting SMBs.
CEO and Executive Fraud
The attacker spoofs or hijacks an executive's email and pressures a finance or admin employee to make an urgent payment — "I'm in a meeting, just get this wire out before end of day, I'll explain later." The message exploits the natural reluctance to question the boss. Because it comes from (or looks like) a real leader's address, it sails past technical defenses aimed at malware.
Vendor and Invoice Fraud
Also called supply-chain invoicing fraud, this is the most financially damaging variant. The attacker compromises or impersonates a legitimate vendor, then sends an invoice or a "we've updated our banking details" notice. Payment goes to the attacker's account. Because there is a real ongoing business relationship, these requests look completely routine.
Email Account Takeover
MFA
When an attacker actually controls a real mailbox — typically via a phished password and no MFA — BEC becomes far more dangerous. They read real threads, learn how people communicate, set hidden inbox rules to hide their replies, and insert themselves into live conversations about real payments. This is the hardest variant to spot because the email genuinely is from the right person.
Why BEC Beats Spam Filters
Traditional email security looks for malicious attachments, dangerous links, and known-bad senders. A BEC message has none of those — it is plain text from a legitimate-looking or genuinely compromised address. There is nothing for a signature-based filter to detect, which is exactly why BEC has overtaken malware as the leading cause of financial loss in email attacks.
How BEC Differs from Phishing
phishing
Phishing casts a wide net to harvest credentials or drop malware, usually with a link or attachment. BEC is targeted social engineering aimed directly at moving money or data, often with no link at all. The two connect: a successful credential-phish is frequently the first step that gives an attacker the mailbox access needed to run a high-trust BEC scam from the inside.
Why Choose LayerLogix?
Serving businesses throughout the Greater Houston area including Houston, The Woodlands, Sugar Land, Katy, Dallas, Austin, San Antonio.
Prevents Direct, Often Unrecoverable Financial Loss
BEC wires can be five, six, or seven figures, and once the money leaves it is frequently gone — recovery depends on catching it within hours. Layered defenses plus payment-verification procedures stop the loss before it happens, which is the only reliable protection because clawbacks rarely succeed.
Closes the Gaps Spam Filters Cannot
Because BEC carries no malware, you need controls beyond a spam filter: MFA to stop account takeover, impersonation and lookalike-domain detection, external-sender banners, and inbox-rule monitoring. Together these catch the no-payload attacks that slip past traditional email security.
Hardens Your People, Your Biggest Target
BEC attacks the human, not the network. Targeted training and realistic simulations teach finance, executive, and admin staff to recognize urgency-and-authority pressure and to slow down on payment changes — turning your most-targeted employees into a reliable last line of defense.
Builds Verification Into Money Movement
The single most effective control is a non-negotiable out-of-band verification step for any new payee or banking-detail change — a call to a known number, never the one in the email. Baking this into your AP process means a convincing fake email still cannot move money on its own.
Satisfies Insurers and Compliance Expectations
Cyber and crime insurers now ask specifically about MFA, email authentication, and payment-verification controls — and routinely deny BEC claims when they are missing. Documented anti-BEC controls protect coverage and align with FTC Safeguards, HIPAA, and other access and monitoring requirements.
Our Process
1
Lock down identity — enforce MFA on every mailbox (no exceptions for executives) to shut the front door on the account takeovers that enable the worst BEC.
2
Harden email authentication — implement and enforce SPF, DKIM, and DMARC so attackers cannot easily spoof your domain to your own staff or your customers.
3
Deploy impersonation protection — add advanced email security that flags lookalike domains, display-name spoofing, and anomalous sender behavior that plain spam filters miss.
4
Monitor for malicious inbox rules — continuously watch for the auto-forwarding and hidden-folder rules attackers create to conceal their activity inside a compromised mailbox.
5
Add external-sender warnings — banner messages from outside the organization so a "CEO" email from an external address is visibly suspicious.
6
Establish out-of-band payment verification — require a callback to a known, pre-verified phone number for every new vendor and every banking-detail change, every time.
7
Train and simulate — run targeted security awareness and realistic BEC simulations for finance, AP, executive, and admin staff, and reinforce on a recurring basis.
8
Prepare an incident playbook — document exactly who to call (bank, FBI IC3, insurer, MSP) and the steps to attempt a wire recall in the first critical hours after a suspected BEC.
Frequently Asked Questions
Is BEC the same as phishing?▼
They are related but not the same. Phishing is usually a broad campaign that tries to steal credentials or deliver malware through a link or attachment. BEC is targeted social engineering whose goal is to get a person to move money or release data, often with no link or attachment at all. The connection is that phishing is frequently the first step: a stolen password gives the attacker the mailbox access they need to run a convincing, high-trust BEC scam from inside a real account.
Why does BEC get past my spam filter and antivirus?▼
Because there is nothing technically malicious for them to detect. Antivirus and most spam filters hunt for bad attachments, dangerous links, and known-bad senders. A BEC email is plain text sent from an address that is either carefully spoofed or genuinely compromised, asking a normal-sounding business question. With no payload to flag, traditional, content-scanning defenses let it through — which is exactly why you need identity controls, impersonation detection, and human verification on top of the filter.
What is the single most effective control against BEC?▼
Out-of-band verification of any payment or banking change. Before sending a wire to a new account or updating a vendor's bank details, someone must confirm the request by calling a known, previously verified phone number — never a number supplied in the email itself. Combined with MFA on every mailbox to prevent account takeover, this one procedural control stops the overwhelming majority of BEC losses, because even a perfect-looking email cannot complete the fraud on its own.
How would I even know if a mailbox has been compromised?▼
Common warning signs include unexpected MFA prompts, sign-ins from unfamiliar locations or devices, emails appearing as read that no one opened, missing messages, and especially new inbox rules that auto-forward or auto-delete mail — a classic attacker move to hide their replies. Continuous monitoring of mailbox audit logs and inbox-rule changes catches these signals early. Without that monitoring, a takeover can run silently for weeks while the attacker studies your payment conversations.
We got hit by a BEC wire. What do we do right now?▼
Act within hours, not days. Immediately call your bank and request a wire recall or SWIFT recall — speed is everything for recovery. File a complaint with the FBI's Internet Crime Complaint Center (IC3), which can trigger the Financial Fraud Kill Chain for recent domestic wires. Notify your cyber/crime insurer, reset the affected account's password and force-revoke its sessions, hunt for and remove any malicious inbox rules, and engage your MSP or incident-response team to determine scope. Document everything as you go.
Can a small business realistically defend against BEC?▼
Yes — and most of the defense is procedural and affordable. MFA on every mailbox, properly configured SPF/DKIM/DMARC, external-sender banners, inbox-rule monitoring, and an ironclad payment-verification policy cover the vast majority of risk and largely use tools you may already own in Microsoft 365. Add periodic, realistic staff training for finance and executive teams and you have an SMB-appropriate program. For most Texas SMBs this is delivered and monitored through their MSP rather than an in-house security team.
Do you provide What Is Business Email Compromise (BEC)? in Houston and nearby areas?▼
Yes. LayerLogix is based in the Greater Houston area and delivers what is business email compromise (bec)? to businesses across Houston and the surrounding communities, including The Woodlands, Spring, Katy, Sugar Land, Conroe, Cypress, and Pearland. For most Houston-area clients we can be on-site the same day when something needs hands-on attention, and our help desk is available during business hours, with after-hours emergency support. Call 713-571-2390 to check coverage for your specific address.
What does What Is Business Email Compromise (BEC)? cost for a Houston business?▼
Pricing depends on your size and what you need, so we do not publish a one-size-fits-all number — but Houston businesses generally pay a flat, predictable monthly fee rather than surprise hourly bills. We start with a free, no-obligation assessment of your current setup, then give you a clear quote in plain English with no hidden costs. That way you know exactly what you are getting and what it costs before you commit.
Contact LayerLogix today for a free consultation. We serve businesses throughout Houston, The Woodlands, Sugar Land, and the surrounding Greater Houston area.