Monday, October 1st marked the beginning of the 4th Quarter.  For many financial institutions, this means getting ready for activities such as preparing next year’s budget, completing the 3rd Quarter Call Report, dusting off the strategic plan, and preparing for upcoming Federal examinations and year-end audits. Monday, October 1st also marked the beginning of National Cybersecurity Awareness Month, commemorating the 15th year as an annual initiative to raise awareness about the importance of cybersecurity.  While cybersecurity issues should be routinely discussed in your Board and senior management meetings, National Cybersecurity Awareness Month serves as an important reminder of the need to identify, assess, and mitigate cybersecurity risks and threats.