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What is Sheltered Harbor?

Cyber threats are exploding. Individual institutions cannot prevent all attacks.

Yet in today’s connected world, a paralyzing attack on even one institution that prevents customers from accessing their accounts could cause panic that infects the whole financial system.

Realizing the threat, the financial industry came together to create Sheltered Harbor.

How it Works

Sheltered Harbor’s core team coordinates with hundreds of subject matter experts in our Working Groups and builds an ecosystem to help participants implement the standard quickly.

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Why Sheltered Harbor?

Sheltered Harbor is the not-for-profit, industry-led effort developed by and for the financial services industry as a critical backup of last resort. 

Expert

 

Adoption

 

Unique 

 

 

Ecosystem

 

Control

 

Efficiency

 

Join as a Bank or Credit Union

For banks and credit unions, Participant fees are determined based on both Participant's total US banking assets and Participant’s total US deposit accounts to more accurately reflect bank size. Below describes current fees applying at each level of Participant’s assets and accounts.

Annual Fee Assessment Schedule for Banks and Credit Unions

 Assets

 Accounts 

 Fee 

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Onlne
Download 
 <$100MM  and   <10K  $250       007 monitor 1       OR        Download $250 Agreement
 <$1B  and    <500K  $500        007 monitor 1       OR       Download $500 Agreement
 >500K  $2,500       007 monitor 1       OR       Download $2500 Agreement
 $1B - $50B    and   <500K  $2,500       007 monitor 1       OR       Download $2500 Agreement
 >500K  $10,000       007 monitor 1       OR       Download $2500 Agreement
 >$50B  and  <1M  $10,000       007 monitor 1       OR       Download $2500 Agreement
 >1M  $25,000       007 monitor 1    OR       Download 25000 Agreement

If your operations include brokerage and/or asset management accounts, please check those fee schedules as well, because you will pay a single fee based on the larger of the banking or brokerage or asset management fee calculation.

Join as Brokerage

For securities firms, Participant fees are determined based on both client assets* and the number of clearing clients. The schedule below describes current fees applying at each level of Participant’s assets and accounts.

Annual Fee Assessment Schedule for Securities Firms

 Client
 Assets*

 Clearing
 Clients

 Fee 

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 Online
Download 

 <$100MM

 and 

 <1 (self clearer)      

 $2,500

     007 monitor 1    

 OR 

      Download $2500 Agreement

 <$10B

 and  

 <50

 $5000 

     007 monitor 1    

 OR

      Download $5000 Agreement

 50 - 100

 $10,000 

     007 monitor 1    

 OR

      Download 10000 Agreement

 $10B - $200B  

 and 

 <20

 $10,000 

     007 monitor 1    

 OR

      Download 10000 Agreement

 >20

 $25,000 

     007 monitor 1    

 OR

      Download 25000 Agreement
 >$200B   or   >100  $25,000       007 monitor 1      OR       Download 25000 Agreement

* Including discretionary and non-discretionary assets

If your operations include banking and/or asset management accounts, please check those fee schedules as well, because you will pay a single fee based on the larger of the banking or brokerage or asset management fee calculation.

Join as an Asset Manager

Participant fees or asset managers, transfer agents and recordkeepers are determined based on AUM or plan assets.  The schedule below describes current fees applying at each level of Participant's AUM or plan assets.

Annual Fee Schedule for Asset Managers, Transfer Agents, and Recordkeepers

 AUM or Plan Assets

 Fee 

Join Sheltered Harbor
 Online
Download 
 <$20B  $2,500       007 monitor 1      OR        Download 2500 Agreement
 $20B - $50B  $5,000       007 monitor 1      OR       Download 5000 Agreement
 $50B - $200B  $15,000        007 monitor 1      OR       Download 15000 Agreement
 > $200B  $25,000        007 monitor 1      OR       Download 25000 Agreement

If your operations include banking and/or brokerage accounts, please check those fee schedules as well, because you will pay a single fee based on the larger of the banking or brokerage or asset management fee calculation.

Welcome to Sheltered Harbor
Working Groups

Sheltered Harbor standards, best practices, and other materials are developed by collaborative working groups, composed of subject matter experts, mainly from Sheltered Harbor participant institutions and partners.

The working groups are highly active, meet often, and produce concrete deliverables. Therefore, joining is a real commitment. In return, members get to shape the development of the standard, build their own skills and expertise in various aspects of cyber resilience, and grow their professional networks through substantive work with peers around the country.

Current Working Groups:

  • Banking
  • Brokerage
  • GSIB
  • Technology
  • Adherence
  • Communications
  • Playbook and Logistics

If you are a participant interested in joining a working group, please contact Sheltered Harbor at This email address is being protected from spambots. You need JavaScript enabled to view it..

Alliance Partners

Sheltered Harbor has engaged several advisory and/or assurance firms as Alliance Partners to help participants with implementation.

We will continue to expand relationships with assurance and advisory firms in an effort to support the market with a broad menu of options, so keep checking for updates. 

Deloitte Advisory    
John Gelline Managing Director, Cyber Risk Services 571-271-6078 This email address is being protected from spambots. You need JavaScript enabled to view it.
EY Advisory    
Carl Liebel Executive Director, Financial Services Advisory 917-969-1802   This email address is being protected from spambots. You need JavaScript enabled to view it.
KPMG Advisory    
Vivek Mehta Partner, Emerging Technology Risk 646-239-6088   This email address is being protected from spambots. You need JavaScript enabled to view it.
Promontory Advisory    
Seth Kulakow  Director, Cyber Solutions Practice 303-947-7096   This email address is being protected from spambots. You need JavaScript enabled to view it.
PwC Advisory    
Ertem Osmanoglu Principal, Cybersecurity and Privacy 646-331-1595   This email address is being protected from spambots. You need JavaScript enabled to view it.
RSM Advisory & Assurance      
Hussain T. Hasan National Leader, Risk Advisory Services - Technology Risk Consulting 312-634-3700 This email address is being protected from spambots. You need JavaScript enabled to view it.

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