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Human Risk Management Blog

Future-Proofing Organizations in the Face of AI What Security Can Learn From Dinosaurs Inside the OS-Aware Phishing Kit Profiling Your Device CyberheistNews Vol 16 #30 [Protect Your Users] AI Hallucinations Are Fueling Phishing Attacks Majority of Organizations Hit by Targeted Impersonation Attacks The Open-Source Paradox: Navigating the New Frontier of AI Supply Chain Risk Introducing The Hybrid Nudge Experience: Outbound Email Security Built for Your Risk Appetite Elevating the SOC Experience: Smarter Automation, Richer Threat Intelligence, and AI-Native Investigation New Phishing Tools Enable Attackers to Easily Bypass Multifactor Authentication From Inbox to Encryption: How Ransomware Delivery Has Evolved Attackers Exploit AI Hallucinations to Send Users to Phishing Sites Warning: ARToken Phishing Kit Automates BEC Attacks The New Face of AI Risk Trust Nothing: Tips to Secure AI Tools and Agents CyberheistNews Vol 16 #29 ClickFix Social Engineering is Now the Leading Malware Delivery Method Beyond the Checkbox: How a Proactive Partnership Led to Turnkey Hazing Compliance Trust, Verify, Protect: Modernizing Email Security for the Cloud Report: Social Engineering Remains a Central Part of AI-assisted Attacks ClickFix Social Engineering is Now the Leading Malware Delivery Method CyberheistNews Vol 16 #28 Your 2026 Phishing by Industry Benchmarks: The Findings on Human Risk Scammers Can Use AI Tools to Pinpoint Your Location Based on a Photo Report: Attackers Are Using AI to Automate Social Engineering Your KnowBe4 Fresh Compliance Plus Content Updates from June 2026 From Awareness to Digital Workforce Security Your KnowBe4 Fresh Content Updates from June 2026 Threat Actor Uses Phishing to Breach Orgs for Ransomware Gangs Invoice Phishing Attacks Are Abusing the Shop App Phishing Campaign Impersonates Interpol to Deliver Ransomware Prompt Injection and the Rise of Agentic Risk Hyper-Targeted Social Engineering Needs Real-Time Video Response
A Credit Score for Cyber Behavior
Bryan Palma · 2026-06-16 · via Human Risk Management Blog

You can add verified AI skills to your LinkedIn profile. Certifications proving you know how to use the latest tools. This shows progress, but it is only half the problem.

While we are getting very good at verifying what people know, we still have almost no way to verify how they behave.

In hiring, we obsess over skills and experience, and ponder cultural fit. We run background checks. We validate credentials. But when it comes to digital responsibility and those daily behaviors determining security risk, we are still guessing.

The Trust Gap in Hiring

KnowBe4 works with more than 70,000 organizations worldwide on digital workforce security. So I see this pattern constantly: Employees complete simulations. They sit through awareness programs. Organizations test them on phishing, data handling and acceptable use.

And then they leave. When they move to a new job, their entire security track record disappears. The next employer starts from zero, with no visibility into how that person actually behaves when security gets inconvenient.

  • Do they report suspicious emails or just delete them (or worse, click on them)?
  • Do they follow data-handling protocols, or do they feed sensitive data into shadow AI tools to move faster?
  • Do they respect guardrails or treat them as optional?

These behaviors rarely show up in interview questions, but they determine whether someone protects your organization or puts it at risk.

Remote work, cloud access, and AI tools have dramatically expanded what a single employee can touch. One person's poor judgment can expose customer data, intellectual property, or financial systems. According to IBM's 2025 Cost of a Data Breach Report, the average phishing-related breach now costs organizations $4.8 million.

What Lending Figured Out in 1989

Before 1989, lending decisions were largely subjective. A bank officer would review a 20-page credit report and make a judgment call. The process was inconsistent, slow, and prone to bias. Then FICO changed everything. A single score, built on behavioral data, gave lenders a standardized way to evaluate risk. It followed you from bank to bank. It worked. Today, 90% of top U.S. lenders use FICO scores to make credit decisions.

Cybersecurity behavior needs the same transformation. Right now, every organization evaluates employee risk differently. There is no standard. No portability. No way to distinguish someone with a decade of responsible behavior from someone who routinely ignores security protocols.

A FICO-style cyber Risk Score would aggregate patterns over time: how consistently someone reports phishing attempts, how they perform in simulations, and whether they respect data governance and security controls. Not a single mistake, but sustained behavior.

Someone who does the right thing consistently builds trust. Someone who routinely bypasses controls does not. That distinction matters. And it should not reset every time someone changes jobs.

From Compliance Tax to Personal Brand Building

Employees invest real time in security training. But this investment stays invisible. There is no credential, no portable proof they did the work and did it well.

What if good security behavior was something you owned? Something portable. Something that followed you throughout your career.

For roles with real fiduciary responsibility (finance leaders, executives, board members), this matters even more. A verified Risk Score becomes proof you take digital responsibility seriously. It does not replace skills or experience. It adds a dimension we currently do not see. When two candidates look identical on paper, trust becomes the differentiator.

Humans Are Not the Only Workforce Anymore

This conversation gets even more urgent as AI agents become part of the workforce. We already scope employee access based on role. A finance person does not need engineering systems. An HR manager does not need payroll data. AI agents should be treated the same way.

We need a consistent framework for evaluating risk, whether the “worker” is a human or an AI agent. The same principles apply: training, behavior and patterns over time. The workforce is no longer just people. Our trust models need to catch up.

Trust as Professional Currency

Technical skills age quickly. Tools change, and platforms evolve. Today’s hot AI skill will be obsolete sooner than most people expect. But a track record of responsible behavior compounds.

Every phishing attempt you report, every protocol you follow, every good decision you make when no one is watching. This is data. Over time, it becomes a reputation.

For years, security behavior has been invisible in hiring decisions. This is a missed opportunity. The professionals who take it seriously deserve a way to prove it.

The most valuable credential on your future resume may not be a degree or a certification. It may be proof you can be trusted.