How to Vet a Collections Partner’s Cyber Program

Headlines about vendor breaches are a reminder that when your collections partner is compromised, you bear the consequences—regulatory, reputational, and operational.
Ransomware tracking sites have recently listed revenue-cycle and ARM (accounts receivable management) firms among their latest victims. The U.S. Department of Health and Human Services’ Health Sector Cybersecurity Coordination Center (HC3) continues to warn healthcare and RCM organizations about active ransomware crews.

If you’re evaluating vendors—or simply want to confirm your current partner’s readiness—here’s a practical, fast-track framework you can apply this week.


1. Get Independent Proof, Not Promises

Start with evidence, not assurances. Request current certifications such as ISO 27001, PCI DSS 4.0, and any proof of FISMA-aligned controls or a formal Authorization to Operate (ATO) if federal contracts are in play.

Then confirm where your data actually lives: hosting facility tier, segmentation, and disaster recovery strategy.

At TSI, our controls include ISO 27001, PCI DSS 4.0, and HITRUST certifications, with government ATO and FISMA-aligned practices. Infrastructure is hosted in a Tier V SUPERNAP data center—a facility designed for maximum uptime and resilience.


2. Verify Secure Data Flows

Data security begins at transfer. Insist that all file exchanges use SFTP or SSH protocols with AES-compatible encryption and tightly managed user permissions.

If a vendor relies on unencrypted email, basic FTP, or legacy transfer tools, consider that a red flag. Attackers often exploit weak data-in-transit protections long before a breach makes headlines.


3. Inspect the Collections Platform

A secure platform is your first line of defense. Look for a PCI-compliant environment with real-time audit trails and 100% call recording. This ensures transparency and provides a digital footprint of every activity tied to client data.

TSI’s FACS-based collections platform enforces PCI controls, logs every interaction, and supports comprehensive compliance reporting—so you can verify, not just trust.


4. Look Beyond Tech: People and Process

Even the best systems can be undermined by poor access hygiene. Ask how your vendor vets personnel and manages access privileges. Minimum expectations should include background checks, two-factor authentication for privileged accounts, and least-privilege access policies.

TSI enforces YubiKey-based 2FA for all privileged access and conducts comprehensive background screening and compliance training before anyone touches a record.


5. Demand Network Segmentation and Monitoring

Flat networks equal flat defenses. A strong vendor should be able to show you network segmentation diagrams illustrating VLANs, DMZs, and IDS/IPS monitoring. These isolate sensitive data and detect abnormal activity early.

Our own architecture—known internally as SafeNet—uses tightly controlled zones, access control lists (ACLs), and continuous intrusion detection to keep client environments separated and secure.


6. Test Restore, Not Just Backup

Backups are only as good as their restores. Ask when your vendor last ran a disaster recovery drill and whether they can produce restore logs.

Nightly and monthly backups, offsite media rotation, and documented restore procedures are the foundation. But tested recovery is the real proof of resilience.


7. Practice the “Tabletop”

Finally, review how your vendor handles the first 24 hours of an incident. Who communicates with clients? What facts are shared, and how quickly? The ability to execute a clear incident response playbook—not just own one—is critical.

Time to recovery, not time spent presenting slides, defines a partner’s maturity.


What “Good” Looks Like

A truly mature vendor doesn’t scramble for evidence. They can screenshare their certificates, penetration test summaries, segmentation diagrams, sample audit trails, and disaster recovery runbooks within minutes.

That’s the standard we hold ourselves to at TSI—because transparency builds trust, and trust is earned through proof.


Next Step: See It Live

Use our 8-question Vendor Risk Checklist and book a 20-minute Security Walkthrough.
We’ll show you our live controls, answer your security team’s toughest questions, and demonstrate how “Trust by Design” shapes every layer of our operations.

For additional context on the latest ransomware activity in the healthcare and RCM sectors, visit HHS.gov and review HC3’s current analyst notes.



Call to Action:

👉 [Book a 20-minute Security Walkthrough]
👉 [Download the Vendor Risk Checklist]

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