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BEC protection for CPA firms

Business email compromise at an accounting firm usually doesn't start with a scary attachment. It starts with someone signing into a real staff mailbox and quietly setting it up to watch.

Once they're in, the attacker reads client threads, adds a rule that hides replies, maybe forwards a copy outside, and waits for a payment or a tax refund conversation. Then a change-of-bank-details email goes out from an address your clients already trust.

What matters most, in order

  1. MFA on every mailbox. Including the shared front-desk inbox and the partner who "never logs in from anywhere else."
  2. Call-back rule for money. Any change to wire, ACH or refund details gets confirmed by phone at a number you already have, never one from the email.
  3. Filtering on inbound mail. Microsoft 365 and Google Workspace both include it. Microsoft Defender for Office 365 Plan 1 adds Safe Links, Safe Attachments and impersonation protection. It's included in Microsoft 365 Business Premium and sold as an add-on at $2 per user per month on an annual commitment.
  4. Someone noticing a takeover after a login succeeds. This is the gap. Filters judge incoming messages. They don't tell you that a staff account just created a rule moving all mail from a client into an RSS folder.

How the options compare

OptionWhat it doesWatches for takeover after login?Price
Built-in Microsoft 365 or Google Workspace protectionSpam, malware and phishing filteringLimited. Some alerts exist, but they often go to an admin mailbox nobody checks.Included
Microsoft Defender for Office 365 Plan 1Safe Links, Safe Attachments, anti-phishing and impersonation protectionNot its focus$2/user/mo add-on (annual), or included in Business Premium
API email security platforms (Abnormal, IRONSCALES, Avanan and others)Behavioral analysis of inbound mail. Some include account-takeover detection.Some doMostly quote-based
Managed SOC or MDR through an MSPPeople watch and respond for youYes, if it's in scopeVaries by provider
InboxGuardsRead-only alarm on supported audit records: new-location sign-ins, forwarding, inbox rules, mailbox permissions, admin-role, OAuth and MFA changesYes. That is the whole product.$2/user/mo or $20/user/yr

InboxGuards doesn't replace filtering, and it doesn't respond for you. It's the alarm that tells the firm, or the firm's IT provider, that something changed in a mailbox that shouldn't have.

If you think it already happened

Dario Dulovic, who builds InboxGuards, wrote the cleanup steps for CPA Practice Advisor: How to Help a Client When Their Email Has Been Taken Over. We also keep a first-hour guide at inboxguards.com/business-email-hacked-what-to-do and a checklist for CPA firms.

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