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Protecting Client Funds from Wire Fraud Attacks: Legal Ethics and Risk Management

Wire fraud and business email compromise now target law firm trust accounts directly. Learn to build defensible wire verification and callback protocols, satisfy Model Rules 1.1 and 1.15, respond in the first hours after a fraudulent transfer, and evaluate insurance coverage and malpractice exposure.

2026-08-13 13:00:00

Program Details

2026-08-13 13:00:00

Program Details

2026-08-13 13:00:00

Over 1,000+ webinars

2026-08-13 13:00:00

Course Overview

Cybersecurity Is Now Part of Competent Representation

2026-08-13 13:00:00

Business email compromise schemes now target law firms directly. Criminals use spoofing, social engineering, and AI to divert client funds from real estate deals, settlements, and trust accounts. Solo and small-firm practitioners are prime targets, and disciplinary authorities now view cybersecurity as part of competent representation.

Wire on spoofed instructions and Bile v. RREMC supplies the theory: a duty to prevent foreseeable loss. Failure-to-verify claims create malpractice exposure. Trust account shortfalls raise fiduciary duty theories and discipline under Model Rules 1.1, 1.15, and 1.4. Cyber, crime, and professional liability policies may each dispute coverage, and comparative fault becomes the battleground.

Attendees leave with defensible wire verification and callback procedures, plus banking controls such as Positive Pay, ACH filters, and dual authorization. They also gain the first critical steps after a fraudulent transfer: bank notification, wire recall, evidence preservation, insurance notice, client notification, and bar reporting.

Format

CLE Credit

2h CLE Credits

Level

Intermediate

Length

2

Key topics that will be covered

01
Recognizing BEC Schemes
Spot email spoofing, compromised accounts, payment instruction fraud, and AI-assisted social engineering before client funds move.
02
Tech Competence Duties
Apply the Model Rule 1.1 duty of technological competence to wire transfers and everyday trust account practice.
03
Safeguarding IOLTA Funds
Meet Model Rule 1.15 safeguarding and fiduciary obligations when cyber incidents reach trust accounts and client matters.
04
Wire Verification Controls
Build callback protocols, documentation requirements, and banking controls such as Positive Pay, ACH filters, and dual authorization.
05
First-Hours Response
Execute containment, bank notification and wire recall, evidence preservation, remediation planning, and client, insurance, law enforcement, and bar reporting steps.
06
Liability and Coverage
Assess Bile v. RREMC, failure-to-verify claims, comparative fault, and coverage disputes across cyber, crime, and professional liability policies.

Program schedule

clock 1:00 pm - 2:00 pm EST

When the Worst Happens: Responding to a Wire Fraud Incident

Despite strong controls, even vigilant firms can become victims of cybercrime. This session focuses on identifying and defining the nature of a cyber incident, understanding the immediate response priorities, and navigating the complex legal, insurance, and regulatory consequences that follow. Using judicial decisions and real-world examples, attendees will explore how courts allocate losses, how professional liability, cyber, and crime insurance policies may respond, and what actions are critical during the first hours and days after discovering a fraudulent transfer.

Tracy L. KeplerTracy L. Kepler
Christopher E. HartChristopher E. Hart
clock 2:10 pm - 3:10 pm EST

Ethical Duties in an Era of Cyber Risk

This session explores how traditional professional responsibility obligations intersect with wire fraud attacks. Attorneys will examine the technology competence requirements under Model Rule 1.1, the safeguarding obligations imposed by Model Rule 1.15, and the communications responsibilities arising under Model Rule 1.4. The program will discuss how courts, clients, and disciplinary authorities increasingly view cybersecurity as an integral component of competent legal representation.

Tracy L. KeplerTracy L. Kepler
Christopher E. HartChristopher E. Hart
Tracy L. Kepler

Tracy L. Kepler

CNA's Lawyers Insurance Program

Christopher E. Hart

Christopher E. Hart

Anderson & Kreiger LLP

Tracy L. Kepler

Tracy L. Kepler

CNA's Lawyers Insurance Program

Tracy L. Kepler has spent more than two decades in attorney regulation, discipline, and client protection. From 2000 to 2014, she served as Senior Litigation Counsel for the Illinois Attorney Registration and Disciplinary Commission (ARDC), where she investigated and prosecuted cases of attorney misconduct. She later directed the American Bar Association’s Center for Professional Responsibility, providing national leadership in legal and judicial ethics, professional regulation, professionalism, client protection, professional liability, and attorney well-being. She is now a Risk Control Director for CNA’s Lawyers Insurance Program, where she designs and develops risk control initiatives relevant to the practice of law.

Education & Credentials

Ms. Kepler is a graduate of Northwestern University in Evanston, Illinois, and received her law degree from New England School of Law in Boston, Massachusetts.

Recognition & Leadership

Ms. Kepler served as Director of the American Bar Association's Center for Professional Responsibility, a role of national leadership in developing and interpreting standards and scholarly resources in legal and judicial ethics, professional regulation, professionalism, client protection, professional liability, and attorney well-being. She has served on the Board of the National Organization of Bar Counsel (NOBC), including as its President, an organization of legal professionals whose members enforce the ethics rules that regulate lawyers' professional conduct. She sits on the board of the Institute for Well-Being in Law, formerly the National Task Force on Lawyer Well-Being, and is an author of its Well-Being Report. She is also an Advisory Board Member of the Mindfulness in Law Society.

Professional Involvement

Ms. Kepler has served on the ABA's Commission on Lawyers Assistance Programs as a Commission member, a member of its Advisory Committee, Chair of its Education and Senior Lawyer Committees, and a member of its National Conference Planning Committee. She is an Adjunct Professor teaching Legal Ethics at American University's Washington College of Law, Georgetown University Law Center, and Loyola School of Law in Chicago. She lectures frequently at CNA-sponsored events, state and local bar associations, and national seminars, and writes articles on law firm risk control and professional responsibility issues.

Experience

Ms. Kepler's career centers on what happens when a lawyer's conduct or capacity comes before a regulator. As Senior Litigation Counsel for the Illinois ARDC from 2000 to 2014, she investigated and prosecuted attorney misconduct cases. From 2014 to 2016, she served as an Associate Solicitor in the Office of General Counsel for the U.S. Patent & Trademark Office, concentrating her practice in the investigation, prosecution, and appeal of patent and trademark practitioner disciplinary matters before the Agency, U.S. District Courts, and the Federal Circuit, while providing policy advice on ethics and discipline matters to senior management and drafting and revising Agency regulations. In her current role at CNA, she develops and distributes risk control content for lawyers.
Christopher E. Hart

Christopher E. Hart

Anderson & Kreiger LLP

Christopher E. Hart advises organizations on risk where technology, data, and regulation meet, with a practice spanning privacy, cybersecurity, artificial intelligence, and emerging technologies. He works with clients ranging from startups to global enterprises on compliance strategy, data incident response, and investigations, including under frameworks such as the GDPR and the CCPA. He also represents clients in high-stakes disputes and government investigations arising from data security incidents and regulatory scrutiny. A certified privacy professional (CIPP/US, CIPP/E, CIPM), he is a frequent speaker and writer on privacy, cybersecurity, and AI legal developments.

Education & Credentials

Chris earned his J.D., magna cum laude, Order of the Coif, from Duke University School of Law in 2005, an M.A. from St. John's College in 2002, and a B.A. from Harvard University in 2000. He is admitted to the bars of Massachusetts, the District of Columbia, and Maryland, and his court admissions include the U.S. Supreme Court and the U.S. Courts of Appeals for the First, Third, Fourth, Ninth, and District of Columbia Circuits. He holds the CIPP/US, CIPP/E, and CIPM certifications and served as a judicial law clerk to the Honorable Anthony J. Scirica, Chief Judge of the U.S. Court of Appeals for the Third Circuit.

Recognition & Leadership

Chris has been recognized by Best Lawyers in America for Privacy and Data Security Law (2024-2026) and Artificial Intelligence Law (2026), and by Super Lawyers for Civil Litigation (2025-26). Massachusetts Lawyers Weekly named him a “Go To Lawyer” for Cyber/Data Security in 2024, and Boston Magazine has listed him as a Top Lawyer in Civil Litigation Defense (2021), Commercial Litigation (2022), and Criminal Law Litigation (2023). He also received a JD Supra Readers' Choice Award as a top author in the field of cybersecurity (2017).

Professional Involvement

Chris serves as Vice President of the Boston Bar Association, where he previously served as Treasurer (2024) and chaired the Privacy, Data Security, and Digital Rights Conference (2022). He served as President/Governor of Region 1 (New England) of the Hispanic National Bar Association (2023-25) and currently serves as a Deputy Governor. He sits on the Advisory Board of the International Association of Privacy Professionals' Privacy Bar Section (2019-present), is a member of the Standing Advisory Committee on the Rules of Appellate Procedure (2022-present), and teaches as an adjunct professor in Northeastern University's Doctorate of Law and Public Policy Program.

Experience

Chris advises the Northeastern Institute for Experiential AI on AI legal requirements and regulations, conducted a state-by-state survey of consumer privacy laws and laws limiting the use of AI in businesses on behalf of a software company, and analyzed new comprehensive state data protection laws against HIPAA and the GDPR for a health insurance company. He conducted a Human Rights Impact Assessment for Microsoft relating to cloud and artificial intelligence technologies, and obtained a full recovery for a major international investment firm that suffered a multimillion-dollar loss in a payment fraud hack. He regularly represents organizations in disputes and government investigations arising from data security incidents.
Tracy L. Kepler

Tracy L. Kepler

CNA's Lawyers Insurance Program

Tracy L. Kepler has spent more than two decades in attorney regulation, discipline, and client protection. From 2000 to 2014, she served as Senior Litigation Counsel for the Illinois Attorney Registration and Disciplinary Commission (ARDC), where she investigated and prosecuted cases of attorney misconduct. She later directed the American Bar Association’s Center for Professional Responsibility, providing national leadership in legal and judicial ethics, professional regulation, professionalism, client protection, professional liability, and attorney well-being. She is now a Risk Control Director for CNA’s Lawyers Insurance Program, where she designs and develops risk control initiatives relevant to the practice of law.

Education & Credentials

Ms. Kepler is a graduate of Northwestern University in Evanston, Illinois, and received her law degree from New England School of Law in Boston, Massachusetts.

Recognition & Leadership

Ms. Kepler served as Director of the American Bar Association's Center for Professional Responsibility, a role of national leadership in developing and interpreting standards and scholarly resources in legal and judicial ethics, professional regulation, professionalism, client protection, professional liability, and attorney well-being. She has served on the Board of the National Organization of Bar Counsel (NOBC), including as its President, an organization of legal professionals whose members enforce the ethics rules that regulate lawyers' professional conduct. She sits on the board of the Institute for Well-Being in Law, formerly the National Task Force on Lawyer Well-Being, and is an author of its Well-Being Report. She is also an Advisory Board Member of the Mindfulness in Law Society.

Professional Involvement

Ms. Kepler has served on the ABA's Commission on Lawyers Assistance Programs as a Commission member, a member of its Advisory Committee, Chair of its Education and Senior Lawyer Committees, and a member of its National Conference Planning Committee. She is an Adjunct Professor teaching Legal Ethics at American University's Washington College of Law, Georgetown University Law Center, and Loyola School of Law in Chicago. She lectures frequently at CNA-sponsored events, state and local bar associations, and national seminars, and writes articles on law firm risk control and professional responsibility issues.

Experience

Ms. Kepler's career centers on what happens when a lawyer's conduct or capacity comes before a regulator. As Senior Litigation Counsel for the Illinois ARDC from 2000 to 2014, she investigated and prosecuted attorney misconduct cases. From 2014 to 2016, she served as an Associate Solicitor in the Office of General Counsel for the U.S. Patent & Trademark Office, concentrating her practice in the investigation, prosecution, and appeal of patent and trademark practitioner disciplinary matters before the Agency, U.S. District Courts, and the Federal Circuit, while providing policy advice on ethics and discipline matters to senior management and drafting and revising Agency regulations. In her current role at CNA, she develops and distributes risk control content for lawyers.
Christopher E. Hart

Christopher E. Hart

Anderson & Kreiger LLP

Christopher E. Hart advises organizations on risk where technology, data, and regulation meet, with a practice spanning privacy, cybersecurity, artificial intelligence, and emerging technologies. He works with clients ranging from startups to global enterprises on compliance strategy, data incident response, and investigations, including under frameworks such as the GDPR and the CCPA. He also represents clients in high-stakes disputes and government investigations arising from data security incidents and regulatory scrutiny. A certified privacy professional (CIPP/US, CIPP/E, CIPM), he is a frequent speaker and writer on privacy, cybersecurity, and AI legal developments.

Education & Credentials

Chris earned his J.D., magna cum laude, Order of the Coif, from Duke University School of Law in 2005, an M.A. from St. John's College in 2002, and a B.A. from Harvard University in 2000. He is admitted to the bars of Massachusetts, the District of Columbia, and Maryland, and his court admissions include the U.S. Supreme Court and the U.S. Courts of Appeals for the First, Third, Fourth, Ninth, and District of Columbia Circuits. He holds the CIPP/US, CIPP/E, and CIPM certifications and served as a judicial law clerk to the Honorable Anthony J. Scirica, Chief Judge of the U.S. Court of Appeals for the Third Circuit.

Recognition & Leadership

Chris has been recognized by Best Lawyers in America for Privacy and Data Security Law (2024-2026) and Artificial Intelligence Law (2026), and by Super Lawyers for Civil Litigation (2025-26). Massachusetts Lawyers Weekly named him a “Go To Lawyer” for Cyber/Data Security in 2024, and Boston Magazine has listed him as a Top Lawyer in Civil Litigation Defense (2021), Commercial Litigation (2022), and Criminal Law Litigation (2023). He also received a JD Supra Readers' Choice Award as a top author in the field of cybersecurity (2017).

Professional Involvement

Chris serves as Vice President of the Boston Bar Association, where he previously served as Treasurer (2024) and chaired the Privacy, Data Security, and Digital Rights Conference (2022). He served as President/Governor of Region 1 (New England) of the Hispanic National Bar Association (2023-25) and currently serves as a Deputy Governor. He sits on the Advisory Board of the International Association of Privacy Professionals' Privacy Bar Section (2019-present), is a member of the Standing Advisory Committee on the Rules of Appellate Procedure (2022-present), and teaches as an adjunct professor in Northeastern University's Doctorate of Law and Public Policy Program.

Experience

Chris advises the Northeastern Institute for Experiential AI on AI legal requirements and regulations, conducted a state-by-state survey of consumer privacy laws and laws limiting the use of AI in businesses on behalf of a software company, and analyzed new comprehensive state data protection laws against HIPAA and the GDPR for a health insurance company. He conducted a Human Rights Impact Assessment for Microsoft relating to cloud and artificial intelligence technologies, and obtained a full recovery for a major international investment firm that suffered a multimillion-dollar loss in a payment fraud hack. He regularly represents organizations in disputes and government investigations arising from data security incidents.

Credits by state

AK1.0
AL1.0
AR1.0
AZ1.0
CA1.0
CO1.0
CT1.0
DC
DE1.0
FL1.0
GA1.0
HI1.0
IA1.0
ID1.0
IL1.0
IN1.0
KS1.0
KY1.0
LA1.0
MA2.0
MD2.0
ME1.0
MI2.0
MN1.0
MO1.2
MS1.0
MT1.0
NC1.0
ND1.0
NE1.0
NH60.0
NJ1.0
NM1.0
NV1.0
NY1.0
OH1.0
OK1.0
OR1.0
PA1.0
RI1.0
SC1.0
SD2.0
TN1.0
TX1.0
UT1.0
VA1.0
VT1.0
WA1.0
WI2.0
WV1.2
WY1.0

1000+

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Trusted by Legal Professionals

1000+

Live stream programs

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Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

10,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

MCLE Credits

Alabama
Approved
Alaska
Approved
Arizona
Approved
Arkansas
Approved
California
Approved
Colorado
Approved
Connecticut
Approved
Delaware
Pending
District of Columbia
No Required
Florida
Pending
Georgia
Approved
Hawaii
Approved
Idaho
Pending
Illinois
Approved
Indiana
Approved
Iowa
Pending
Kansas
Pending
Kentucky
Pending
Louisiana
Pending
Maine
Pending
Maryland
No Required
Massachusetts
No Required
Michigan
No Required
Minnesota
Pending
Mississippi
Pending
Missouri
Approved
Montana
Approved
Nebraska
Pending
Nevada
Approved
New Hampshire
Approved
New Jersey
Approved
New Mexico
Approved
New York
Approved
North Carolina
Pending
North Dakota
Approved
Ohio
Approved
Oklahoma
Pending
Oregon
Approved
Pennsylvania
Approved
Rhode Island
Pending
South Carolina
Pending
South Dakota
No Required
Tennessee
Approved
Texas
Approved
Utah
Pending
Vermont
Approved
Virginia
Not Eligible
Washington
Approved
West Virginia
Pending
Wisconsin
Approved
Wyoming
Pending

Alabama

Requirements

The Alabama State Bar MCLE Commission requires attorneys to complete 12 credits, including 1 ethics, by December 31 of each year. All credits must be reported by February 15 of the following year. A maximum of 12 credits, including 1 ethics credit, may be carried over for 1 year only.  

Formats

  • Attorneys can earn unlimited “live” credit through live seminars, live webcasts, and co-sponsored locations with MyLAWCLE-Alabama approved programs
  • Attorneys are limited to 6 credits per compliance period of “online” programs through MyLAwCLE On-Demand programs