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.

Sheltered Harbor’s purpose is to protect customers, financial institutions, and public confidence in the financial system if a catastrophic event like a cyber attack causes an institution’s critical systems - including backups - to fail.



Who We Are


A not-for-profit subsidiary of FS-ISAC (Financial Services Information Sharing and Analysis Center), the Sheltered Harbor organization is devoted to coordinating the development of the Sheltered Harbor standard, promoting adoption across the industry, supporting implementation, and ensuring adherence.

The standard is developed by working groups composed of hundreds of subject matter experts and industry professionals, primarily drawn from the ranks of Sheltered Harbor participants.

Participation is open to financial institutions of all sizes including banks, credit unions, brokerages, asset managers, industry associations, and service providers.

From the beginning, Sheltered Harbor has enjoyed critical industry support from financial institutions, clearing houses, core processors and industry trade associations including:

  • American Bankers Association (ABA)
  • BITS, Bank Policy Institute (BITS - BPI)
  • Credit Union National Association (CUNA)
  • Depository Trust & Clearing Corporation (DTCC)
  • Financial Services Forum (FSF)
  • Financial Services Information Sharing and Analysis Center (FS-ISAC)
  • Independent Community Bankers of America (ICBA)
  • National Association of Federal Credit Unions (NAFCU)
  • Securities Industry and Financial Markets Association (SIFMA)
  • The Clearing House (TCH)


Rebeca Romero Rainey,
President & CEO
Independent Community Bankers Association 

Rob Nichols,
President & CEO
American Bankers Association

Jim Nussle,
President & CEO
Credit Union National Association


How We Work


Sheltered Harbor’s core team coordinates with hundreds of subject matter experts in our working groups. We're building an ecosystem to help participants implement the standard fast with global and national assurance and advisory firms and solution providers.

How We Work Solution Providers More



In the News


Contact Us


Check our FAQ page for answers to many questions.

Don't hesitate to contact us with further questions.