Massachusetts Department of Industrial Accident’s Training

What can keep your employees healthier, happier, on-the-job, and possibly help with your Workers Compensation premium?

The Massachusetts Department of Industrial Accident’s / Office of Safety promotes workplace safety and supports employers with Workers Compensation insurances, providing assistance for the prevention of occupational injury, illness and death in the workplace.

One of their main efforts is to promote on the job training to employees, in all relevant topic and behavioral/performance areas through a safety training grant program. The program is designed to provide and improve safety education and training to employers/employees within the Commonwealth, covered by the Massachusetts Workers’ Compensation Law. A summary of the program can be seen here.

The Workplace Safety Training & Education Grant Program Application program promotes safe and healthy conditions in the workplace by awarding state funds to eligible applicants, annually. The training grants allow employers to select the training areas, and the training providers that best fit their needs, be they based in governmental requirements such as OSHA or EPA, or in those areas that most affect their employees that may not be specifically required by regulation.

FY16 Grant Application and Contractual Documents with instructions are provided on line and grant up to $25,000 in support, for employers who are in Good Standing with the MA Department of Revenue

The speakers will be Kathleen Manson, Director of the Commonwealth’s Department of Industrial Accidents. She will explain the overall grant program’s history, processes, and features, as well as how it can be of value to you and your employees.

The other speaker will be William Trabilcy, Principle at Engagement By Design/EHS Works, a consulting practice in support of workplace safety and compliance. He will discuss aspects of training design and effectiveness, and address typical occupational safety risk areas where training/learning/performance can make a difference. He has extensive experience in workplace health, safety and environmental management, OSHA compliance, risk management, and is a speaker at national conferences on training effectiveness and learner engagement.

for more information, contact: EHSWorks@verizon.net

Effective Communication: Negotiate, address conflict, and work together.

Effective communication is critical for any business. In this seminar, Caleb will introduce a simple tool to help you and your team understand one another better and work more effectively together. Participants from any role within an organization will benefit from attending. Join us on September  23rd from 9-11AM at Cambridge Trust Company, 1336 Massachusetts Ave, Cambridge, MA. 

Register today!

Tickets are $20 for CLF members and $35 for the public

About our Speaker

Caleb works with his wife's family business, Cambridge Naturals in Porter Square, and is Managing Director of Owl, Fox & Dean, an organizational development firm. He and his team work at the intersection of organizational design, change management, and leadership development to help companies increase their capacity to evolve and generate value for people and places.

He has a degree in Environmental Design from the University of Massachusetts Amherst and an MBA in Sustainable Systems from the Bainbridge Graduate Institute at Pinchot.

Hanging with local pups at our Yappy Hour Event

On June 30th we hosted about 40 dog parents and their furry friends for our first ever BYOP:Bring your Own Pup event in Kendall Square. We even had some Instagram Celebrities @Knox_and_Bear in attendance. CLF member, Cambridge Spirits, hosted us for an evening of good company and dog kisses. While the people sipped some great local wine from Josh Paso Robles and Joseph Carr, we made "Puptinis" for the dogs (just chicken broth and some blueberries). We also featured some of our amazing pet-oriented members, including 100% organic treats from Camberville Dog Treats and an amazing doggie bouquet from Central Square Florist.

Sad you missed out? Don't worry Cambridge Spirits is dog-friendly 365 days a year! They have complimentary wine tastings every week so make sure to bring your best pal for a visit! 

Business Alert: Beware & Prepare for E-Mail Scams

It’s a business’ worst nightmare. An e-mail scam directed at one of or several unknowing finance employees wreaks havoc on a company’s bottom-line leading to thousands or potentially millions of dollars in losses.  Unfortunately, scams like and similar to this happen far too often all over the world and Cambridge is no exception.

Earlier this month, a company based in Kendall Square was schemed out of more than $300,000 through an e-mail scam. A financial controller received multiple e-mails believed to be from the company’s CEO asking to wire more than $300,000 in three separate wire transfers to an overseas bank. Believing that the e-mail was authentic, money was wired and it wasn’t until the employee and the CEO spoke to one another in person that the company became aware of the scam.  Within the past year, Cambridge Police Detectives also worked an e-mail scam that cost a Cambridge Park Drive company approximately $1.5 million and another on First Street that was nearly $250,000.

The Business E-mail Compromise (BEC) is a sophisticated scam targeting businesses working with foreign suppliers and/or businesses that regularly perform wire transfer payments. The victims of the BEC scam range from small to large businesses. These businesses may purchase or supply a variety of goods, such as textiles, furniture, food, and pharmaceuticals. This scam impacts both ends of the supply chain, as both supplies and money can be lost and business relations may be damaged. Between October 1, 2013 and December 1, 2014, the FBI estimates that businesses lost approximately $215 million due to e-mail schemes.

It is still largely unknown how victims are selected; however, the subjects monitor and study their selected victims prior to initiating the BEC scam. The subjects are able to accurately identify the individuals and protocol necessary to perform wire transfers within a specific business environment. Victims may also first receive “phishing” e-mails requesting additional details of the business or individual being targeted (name, travel dates, etc.).

CHARACTERISTICS OF BEC COMPLAINTS
The Internet Crime Complaint Center (IC3) has noted the following characteristics of BEC complaints:

Businesses and personnel using open source e-mail are most targeted.

Individuals responsible for handling wire transfers within a specific business are targeted.

Spoofed e-mails very closely mimic a legitimate e-mail request.

Hacked e-mails often occur with a personal e-mail account.

Fraudulent e-mail requests for a wire transfer are well-worded, specific to the business being victimized, and do not raise suspicions to the legitimacy of the request.

The phrases “code to admin expenses” or “urgent wire transfer” were reported by victims in some of the fraudulent e-mail requests.

The amount of the fraudulent wire transfer request is business specific; therefore, dollar amounts requested are similar to normal business transaction amounts so as to not raise doubt.

Fraudulent e-mails received have coincided with business travel dates for executives whose e-mails were spoofed.

Victims report that IP addresses frequently trace back to free domain registrars.

SUGGESTIONS FOR PROTECTION
The Cambridge Police Department and IC3 suggest the following measures to help protect you and your business from becoming victims of the BEC scam:

Avoid Free Web-Based E-Mail: Establish a company web site domain and use it to establish company e-mail accounts in lieu of free, web-based accounts.

Be careful what is posted to social media and company websites, especially job duties/descriptions, hierarchal information, and out of office details.

Be suspicious of requests for secrecy or pressure to take action quickly.

Consider additional IT and Financial security procedures and 2-step verification processes. For example –

Make sure all company software is up-to-date with all security patches being updated and installed.

Make sure anti-virus and malware softwares are installed and regularly updated.

Out of Band Communication: Establish other communication channels, such as telephone calls, to verify significant transactions. Arrange this second-factor authentication early in the relationship and outside the e-mail environment to avoid interception by a hacker. 

Digital Signatures: Both entities on either side of transactions should use digital signatures. However, this will not work with web-based e-mail accounts. Additionally, some countries ban or limit the use of encryption.

Delete Spam: Immediately delete unsolicited e-mail (spam) from unknown parties. Do NOT open spam e-mail, click on links in the e-mail, or open attachments. These often contain malware that will give subjects access to your computer system.

Forward vs. Reply: Do not use the “Reply” option to respond to any business e-mails. Instead, use the “Forward” option and either type in the correct e-mail address or select it from the e-mail address book to ensure the intended recipient’s correct e-mail address is used.

Consider enabling two factor authorization at a bank for issuing checks, ACH payments or wire transfers.

Beware of sudden changes in business practices. For example, if a current business contact suddenly asks to be contacted via their personal e-mail address when all previous official correspondence has been on a company e-mail, the request could be fraudulent. Always verify via other channels that you are still communicating with your legitimate business partner.

If your business has been victimized, please report it immediately and the Cambridge Police will collaborate with the appropriate agencies to attempt and recover your funds.  If you would like to learn more about protecting your business from these crimes, please contact the Cambridge Police Business Outreach team at 617-349-3236 or e-mail communityrelations@cambridgepolice.org.

This post was shared with us by our friends at the Harvard Square Business Association. 

Cambridge Local First says Goodbye to Co-Founder, Laury Hammel

It is with some sadness and a great deal of gratitude that we mark the departure of Laury Hammel from CLF. For the ten years that CLF has existed, Laury has been its heart and soul. His energetic, visionary cheerleading, his persistent, intelligent outreach to business owners locally and nationally has kept us on track, growing, improving ourselves and seeing both the bigger and the local picture in our work.

Now his own business obligations and his continuing work with other local firsts, and the national movement have drawn his time away from us. He leaves us in good shape, but with a gap to fill with inspiration and with broad and hopeful goals. There is plenty of opportunity here in Cambridge as the public conversation around ‘Local’ continues to be robust, complex, open to various interpretations, and better served by more and more data showing the power of locally owned, independent businesses to improve economies everywhere.

We are those business owners, and the more we do for each other and ourselves, the better off we all are. CLF works to improve the businesses of our members in many ways. In addition to the marketing opportunities, we provide seminars to inform and give you a platform to explore the legal, marketing, and social environments in which we all operate. We hold events where you can casually meet both other business owners and residents—your customers!—to better understand how your business can serve them, and thereby improve your bottom line.

With the departure of Laury Hammel, and at the end of the year, another founding member from the Steering Committee, we are seeking more board members. Now celebrating our tenth anniversary (!!) Cambridge Local First has become its own legal entity. The Steering Committee is now officially a Board of Directors.

We hope to see you (business owner or local patron!) at a Board meeting soon, or responding to a newsletter article, or at a Local Thirst, or other event. As a business owner, you ARE a leader. You can get more out of your membership by stepping up and joining us in leading this organization to even greater success…

Rachael Solem & Frank Kramer, Co-Chairs