Rivka Tadjer joins Mookie on Bald Ambition to make one thing clear: cybercrime and cybersecurity aren't the same fight. Most banks and corporations keep their own infrastructure locked down tight. The opening criminals actually use is the human being working around it, whether that's a CEO wiring five million dollars off a deepfake video call or anyone who leaves a laptop logged into Amazon overnight. Tadjer, CEO of ZeroHack, spent 20 years as a business and technology journalist, including a stretch on the team that put the Wall Street Journal online in the 1990s, before serving on the White House's National Infrastructure Advisory Council cybersecurity working group for the banking industry. For the last decade she's focused entirely on the people problem, teaching individuals, families, and executives the habits that actually stop a hack. Those habits get specific fast. Tadjer runs through her core best practices for anyone carrying a phone in 2026: Lock your SIM card and change the PIN from your carrier's default (usually 1111 or 1234), since an unlocked SIM lets criminals reroute your authorization codes to their own phoneSign all the way out of every app and browser before closing your laptop, including Amazon, Gmail, and anything storing payment infoTurn off Wi-Fi, Bluetooth, AirDrop, and location services when you aren't actively using themClear your cache and cookies right after logging into anything sensitive, like the IRS or Social SecurityStop using your downloads folder as permanent storage, since it's part of the same browser data a hijacker can indexSkip free credit monitoring offers like Experian, which pools your financial data in one place hackers love to targetKeep one secure email strictly for banking and brokerage, and build a "trash persona" with consistent fake details for high-risk categories like gaming, crypto, and dating appsGet cyber insurance, often bundled into a homeowners policy for as little as $25 a monthNever send a domestic wire transfer. Banks are legally liable for ACH and check fraud, but not for wire fraudThe conversation also digs into a real tension: marketing wants you findable, consistent, and searchable everywhere, while Tadjer's entire security philosophy argues for fragmenting your personal identity into something no algorithm can fully map. She and Mookie work out where that line actually falls between building a business brand and protecting a bank account, plus why AI is about to make phishing scams more personalized than any human hacker could manage alone. Reach Rivka at ZeroHackSecure.com, where she also runs a free newsletter with alerts on emerging scams. The Guest Rivka Tadjer is the CEO of ZeroHack and its Cybercrime Boot Camp, based in New York. She spent 20 years as a business and technology journalist covering privacy, security, identity theft, data mining, AI, and supply chains before shifting her focus a decade ago to cybercrime prevention, incident response, and forensic cyber investigation. Tadjer served on the White House's National Infrastructure Advisory Council Cyber Security Working Group for critical infrastructure and holds a patent as co-inventor of a secure payments app that replaces university student ID cards. She now works directly with executives, families, and small businesses to close the human gaps that cybercriminals exploit, and she serves on advisory boards supporting school security and communities facing racism, antisemitism, and LGBTQ threats. www.zerohacksecure.com Send the host a text! Let him know what you think Support the show