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Think of how many times an employee writes down a client's credit card number and saves it in a file or keeps sticky notes with passwords on the desk or wall for anyone to read. Invest in a high-quality shredder or contract with a company that takes paper off site to shred. 3. According to the National Institute of Standards and Technology, U.S. Department of Commerce, multifactor authentication (MFA) is a system that requires more than one distinct authentication factor to be successful. If a carrier deals with hundreds or thousands of agencies and agency management systems, the carrier's data is increasingly vulnerable to a breach.