Compliance & Security

The Security Evidence Every Collections Vendor Should Produce

"Bank-level security" means nothing. Ask for ten pieces of evidence, and watch how fast Nexum produces them.

Claims are free. Evidence takes work, which is exactly why you should ask for it.

Summary

Marketing security claims can't be verified; evidence can.

Ten evidence items reveal how a vendor actually protects consumer data.

Nexum's controls are visible in the product, and its code isn't published for attackers to study.

Key takeaways

Request the ten items below from every vendor.

Note who owns each control.

See Nexum's controls live in a demo.

Beyond the marketing page

Every vendor "takes security seriously." Evidence tells you whether they do.

Ten evidence items to request

1. Authentication. Show that multi-factor sign-in is enforced for all users with access to consumer data, including the vendor's own staff.

2. Access control. Show how roles limit what users see, and how client users are confined to their own data.

3. Access to production. Who at the vendor can access customer environments, how it's approved and how it's logged.

4. Encryption. Which sensitive fields are encrypted at rest (for example SSNs), and confirmation of encryption in transit.

5. Credential management. Where API keys and service passwords are stored, and how they're protected and rotated.

6. Logging. A sample of access and activity logs, retention period, and who reviews them.

7. Updates and patching. How updates are delivered, typical timelines for critical security fixes, and release notes.

8. Backups and restoration. Backup frequency and the date and result of the last restoration test.

9. Incident response. The plan, the last time it was exercised, and notification commitments to customers.

10. Third parties. Which subprocessors handle data and how they're evaluated.

Look for owners

For each item, ask who at the vendor is responsible. A control without an owner tends to decay.

Watch for red flags

Answers that describe what "will" happen rather than what does.
Evidence that's generic or doesn't match your deployment.
Unwillingness to discuss incidents or restoration tests.
Security that depends entirely on the customer configuring things correctly, without guidance.

Deployment model matters

If software runs in your own cloud account, some evidence (backups, infrastructure access, network controls) comes from your environment and your installer. If it's SaaS, it comes from the vendor. Be clear about who's responsible for what. See security due diligence for cloud collections software.

What Nexum shows

Proprietary code, installed by 502ZONE in your own AWS account. In the product: two-factor sign-in, roles and per-user App Access, sign-in history, suspension, encrypted SSNs with last-four display, a single encrypted Service Credentials vault, file sharing with an activity log and client portal scoping. Infrastructure evidence comes from your own AWS environment, configured at installation.

The bottom line

Replace adjectives with evidence. Nexum has it ready. See ask vendors to show security controls in action.

See it working in your agency

Book a 30-minute guided Nexum demo built around your agency's real bottleneck, or call 502ZONE directly at (786) 524-4252. Nexum Open CRM is free: no license fee, no seat fees, no subscription. Add 502ZONE modules only when you want more recovery.

Bring us your most expensive collections problem.

Our guided 30-minute session focuses on your real workflow and the problem costing you the most.

Schedule a Demo