ABISOL.COM
01 / 11

For small & mid-size Canadian mutual insurers · P&C · farm · fraternal

Fractional CTO & CISO
for Canadian mutual insurers

Board-level technology and cyber leadership — OSFI B-13-grade governance without a full-time executive salary.

Protect your policyholders, your reserves, and your standing with OSFI and your provincial regulator — so your mutual stays resilient and examination-ready.

Policyholder trustOSFI B-13Provincial regulatorsExam-ready
ABISOL.comMohammad Elmallah · Founder & Principal Consultant · Fractional CTO & CISO
ABISOL.COM
02 / 11

Before the pitch — one question

Your mutual is managed against every risk but one: a single unguarded click.

Policyholder data, claims funds, and your regulatory standing all run on technology no one senior is watching. In the next few minutes: what that gap actually costs — and how little it takes to close it.

1What one breach really costs a mutual 2What OSFI B-13 actually expects 3The 90-day fix — without a $250K hire
ABISOL.comWhy this matters now
ABISOL.COM
03 / 11

High sensitivity. Lean IT. Rising expectations.

What you hold

Data a bank would encrypt twice.

  • Policyholder PII, SIN & dates of birth
  • Claims files & health information
  • Banking & payment details
  • Actuarial, reserve & underwriting data

What you can staff

A small team and an ageing systems stack.

  • A lean IT team — or one outsourced MSP
  • Legacy policy-admin & claims systems
  • BYOD phones & laptops for adjusters
  • One MSP ticket queue
A full-time CTO/CISO runs $250K+ fully loaded — hard to justify at your scale. Yet OSFI B-13 and your provincial regulator expect board-level tech and cyber governance regardless of size.
ABISOL.comThe small-mutual paradox
ABISOL.COM
04 / 11

The exposure is real. The resources are not.

60%
of 2024 cyber claims came from business email compromise & funds-transfer fraud — Coalition
82%
of cyber claims involved organizations with no MFA in place — Coalition
$6.98M
average Canadian breach cost, CAD — IBM, 2025
94%
of ransomware attacks also go after your backups — Coalition
OSFI B-13 makes the board accountable for technology and cyber risk. A control that wasn’t in place before an incident becomes an examination finding — and remediation and lost policyholder trust cost far more.
ABISOL.comSources: Coalition (2024–2025); IBM (2025)
ABISOL.COM
05 / 11

Who you’re trusting with it

Every engagement led personally — never handed off.

Mohammad Elmallah
Founder & Principal Consultant · Fractional CTO & CISO
MBACISSPCISMPMPCSMITILAzure

25+ years across hands-on architecture and C-suite leadership — cloud, software delivery, and security programs aligned to OSFI B-13, ISO 27001, and NIST CSF 2.0 — spanning healthcare, insurance, finance, the public sector, and nonprofits. At ABISOL, that senior expertise is who you work with from day one.

25+years leading IT & security
50+organizations served
$5M+budgets delivered on time
7certifications & designations

Certified across the lifecycle

MBA, CISSP, CISM, PMP, CSM, ITIL & Azure — security, delivery, and leadership in one advisor.

Led personally, start to finish

No junior consultants, no subcontracting, no hand-off after the discovery call.

Platform-first, no lock-in

Maximizes the Microsoft 365, Power Platform & Azure you already own — pilot in 30 days, prove ROI, then scale.

Bank- & regulator-grade

OSFI B-13, ISO 27001, NIST CSF 2.0 & SOC 2 experience, brought to a small mutual’s budget.

ABISOL.comMeet your principal consultant
ABISOL.COM
06 / 11

Depth behind the fractional model

Credentials that map to every control your regulator asks about.

Board-ready cyber governance, incident-response plans & vCISO oversight.
Fractional CISO
Automation built on the Microsoft 365, Power Platform & Azure you already own.
AI & workflow automation
Cloud, microservices & hybrid designs sized to your organization — no over-build.
Enterprise architecture
PIPEDA, SOC 2, ISO 27001 & NIST CSF 2.0 turned into audit-ready programs.
Compliance architecture
PMP-certified delivery, vendor negotiation, risk & stakeholder governance.
IT project leadership
Classification, retention, DSAR & ROPA workflows, and privacy impact assessments.
Data governance & privacy

Certifications & frameworks

CISSPCISMMBAPMPCSMITIL v4AzureNIST CSF 2.0ISO 27001:2022SOC 2 Type IIOSFI B-13PIPEDAHIPAAPCI-DSS v4.0CIS v8.1COBIT 2019
ABISOL.comPrincipal consultant · credentials
ABISOL.COM
07 / 11

The good news

Most of what B-13 needs, you can build on what you already own.

Microsoft 365 Business Premium and Azure already include most of the security controls OSFI B-13 expects. The problem isn’t buying more tools — it’s that no one senior configures and hardens the ones you already pay for. That’s exactly what ABISOL does.

M365 security you already pay forMFA & EDR you may already ownData residency in CanadaNo rip-and-replace
We start with the controls you already own — so most mutuals add little to no new software spend, with data kept resident in Canada.
ABISOL.comBuild on what you already own
ABISOL.COM
08 / 11

We own the tech & security piece — you focus on your policyholders.

CTO

  • Integrate policy admin, CRM, Microsoft 365 & finance
  • Harden what you own; one system of record
  • Cut wasted SaaS spend
  • Practical AI rules for staff & adjusters

CISO

  • OSFI B-13 program & breach playbooks
  • Least-privilege (RBAC) & MFA
  • Phishing & wire-fraud dual approval
  • Secure adjuster & remote work
Underwriting & claims
YOU
Members & brokers
YOU
Your mandate
YOU
Tech & security
ABISOL
Here is exactly what “the tech & security piece” means — in plain terms, across the five areas on the next slides.
ABISOL.comCore CTO & CISO capabilities
ABISOL.COM
09 / 11

Proof, not promises

Every engagement leaves you with artifacts you can file.

The value isn’t the retainer — it’s the documents your board, regulator, and reinsurers can hold in their hands. These are yours to keep, whether or not you continue.

For your board & regulator

  • Cyber risk register — ranked and board-ready
  • Policy pack: privacy, acceptable-use & AI
  • OSFI B-13 evidence file (privacy · reinsurer terms)
  • A one-page cyber dashboard your board can read

For your day-to-day operations

  • 12-month technology roadmap
  • OSFI B-13 remediation plan — gaps actually closed
  • Incident-response playbook, ready to run
  • MSP & vendor scorecard with renewal dates
A board can approve proof far more easily than a promise — so you leave the first engagement with something to show for it.
ABISOL.comWhat you walk away with
ABISOL.COM
10 / 11

Straight answers

The questions every board asks — answered up front.

“We already pay an MSP — do we replace them?”

No. Different jobs. Keep a good MSP for the ticket queue — we govern above it, set the strategy, and hold them accountable to it.

“Aren’t we too small to be a target?”

Small mutuals get hit precisely because defenses are thin and the funds — premiums, claims, reserves — are real. Attacks are automated; size is no shield.

“Can we trust an outsider with our data?”

We configure and govern with least-privilege access, work without holding your sensitive data, and sign an NDA. You keep ownership and control throughout.

“Why fractional instead of a hire or a project?”

The continuity of an employee without a $250K salary — and unlike a one-off project, we stay until the B-13 controls and habits actually stick.

Still unsure it fits the budget? The free assessment quantifies your specific gaps and savings first — so you decide with numbers, not a leap of faith.
ABISOL.comQuestions we hear from boards
ABISOL.COM
11 / 11

Free · no commitment · nothing to lose

Start with a free Tech & Cyber Health Assessment

What it costs you

  • $0 — completely complimentary
  • No retainer, no commitment, no lock-in
  • 45–60 minutes with your GM & Ops
  • A board-ready one-pager you keep

What waiting costs you

  • An OSFI or provincial-exam finding you can’t answer
  • A reinsurer or cyber-insurer question you can’t answer
  • A control gap that voids a claim
  • A breach you didn’t see coming
ABISOL.comABISOL · Mohammad Elmallah · Founder & Principal Consultant
ABISOL.COM
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01/11