Consumers have long been accused of being the proverbial “weakest link” when it comes to cybersecurity. But in an increasingly cyber-aware world, and one in which consumers are more focused on protecting their own identities and PII, financial institutions must start making consumers more responsible and accountable for their own security. And consumers agree. They just need more education about how to do that. Cybersecurity awareness training and education have finally reached a tipping point and have proved, over the long haul, to be successful. Anti-phishing campaigns have taken time to resonate, but the success of phishing campaigns has declined as consumer awareness about emerging cyber-risks has increased.