Curated Cyber

A full-time CISO could cost $150,000-$250,000 a year.

Six to twelve months to recruit. Three to six months to ramp. Two to three years before they leave and you start over.

Most community banks don't need a CISO in the building every day.

They need the right expertise applied at the right time.

That's the vCISO model. Roughly one-third the cost. Proven governance. No turnover cycle.

You approved the vendor.

You didn't approve the vendor behind the vendor.

Or the one behind that.

Your data flows through subprocessors you've never seen, can't audit, and didn't choose.

Do you know how you're handling it?

June ends. Q3 begins.

Most community banks don't pause between the two. Operations continue. Vendor renewals come due. And six months of small, reasonable decisions quietly stop matching the documentation.

That gap is what examiners find.

The risk officer who left. The vendor that added AI. The response plan still naming last year's team.

A deliberate mid-year check converts six months of drift into a current, defensible view before Q3 arrives.

Paperwork is not process. Process is verified.

Mid-Year Cybersecurity Check | Curated Cyber Community bank cybersecurity programs drift quietly across six months. A structured mid-year check verifies vendors, risk ratings, and policies before Q3.