It never starts with a bang. Cyber fraud does not arrive at your doorstep with sirens. It whispers in the background. A delayed payroll here, a customer complaint there, a donor asking awkward questions about leaked contracts. By the time executives pay attention, the damage is entrenched. Cyber risk is a slow bleed, and the organizations that dismiss it as an IT issue end up paying the highest, most invisible bills. The illusion of savings Boards and their executive management love to postpone “non-core” investments. Cybersecurity tops that list. “We’ve never been hacked. Let’s deal with it next year.” That…