Monday, August 18, 2008

Better Risk Management for Banking Industry

With the recent identify theft cases that are happening around the banking industry, a new regulation is going to be implemented for counter fight identity theft. Effective November 1, 2008, all federally regulated banks, credit card companies and other financial institutions will be required to be in full compliance with the Identity Theft Red Flags Rule, which is designed to financial services firms protect consumers' identities.. The goal of the rules is to "flag" attempted and actual identity theft early, thereby reducing consequences associated with identity theft.

Each institution's program must include policies and procedures for detecting, preventing and mitigating identity theft. Further, the program must set forth a list of red flag activities that signal possible identity theft and a response plan for when a flag is raised. In addition, each financial institution must update its program periodically to reflect changes in risks from identity theft and implement a risk management program as part of the ID Theft Red Flags regulation.

8 tips for a Better Risk Management:

1. Assess in detail the different products and service offering of a financial institution, and review which red flags and level of risk is applicable for that particular product or service offer for example, - "credit cards" need high level of monitoring as well as pose high risk as fraudulent activities are most likely.

2. Streamline automation and manual checks for red flag items where necessary.

3. Focus on the different channels through which these products and services are provided to end users. For example, online access over the internet is more risky when compared to physically going to the bank.

4. Spend different amount of attention on each product and service offering based on risk factor. High risk demands more attention.

5. Study the historical data of an institution for identifying fraud activities, patterns etc.

6. Integrate risk management to current security and privacy programs by adopting similar approach for conducting risk assessments for different departments within the enterprise and leveraging data from these individual risk assessments to another. This will help identify clearly which regulation has directly focused on the risk or red flag action item, without duplicating effort, then attacking and placing checks on the ones that are relevant.

7. Do not depend totally on the vendor or service bureau for putting checks and conducting their own risk assessment. Instead have a thorough risk assessment program initiated and implemented by the financial institution for its different service bureaus to ensure full proof check and updates.

8. Appoint a key person to take charge and ownership of the risk management process. This person will initiate annual risk program effectiveness, adopt a revision process, monitor and constantly analyze current industry situations and risk profile, appoint a committee for ensuring that appropriate program is deployed, making and proposing changes etc.
Upasana
The Hacka Man

303 comments:

«Oldest   ‹Older   201 – 303 of 303
玉の輿度チェッカー said...

今の時代簡単に金持ちになる方法は中々無いけど、可能性は誰しも秘めてます!!そう一番手っ取り早いのは玉の輿です。この玉の輿度チェッカーをキッカケに金持ちになった方が、意外と多いのです。是非あなたも一段高みを目指しませんか

Anonymous said...

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Anonymous said...

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出会い said...

一流セレブたちが出会いを求めて集まっています。彼女たちからの逆援助でリッチな生活を楽しみましょう

流出画像 said...

芸能人のプライベートな流出画像など、色々なヤバい写真も見れる。無料登録で思う存分楽しんで下さい

出会い系 said...

セレブの為の出会い系、セレブの雫では女性会員数も増え、男性会員様が不足するという状態となっております。そこで先着順に、男性会員様を募集しております

スタービーチ said...

日本で一番会員数が多いのはやっぱりスタービーチ!若い娘から熟女まで好みのご近所さんがすぐに見つかる☆無料期間中に試してみませんか

出会い said...

お金持ちの女性と出会い、彼女たちとHするだけで謝礼がもらえるサイトをご存じですか?高収入の女性ほど、お金を使っていろいろな男性と遊んでいます

モバゲー said...

流行のモバゲーで友達たくさん!運命の出会いがあるかも!?まだ初めていない人も無料ゲームで遊ぼう

Hチェッカー said...

みんなでワイワイやるならHチェッカー!!これ一つ有れば偶然を装いつつ、気になる人の隠れエッチ度も分ちゃいます。お近づきアドバイスも付いてるから、これを機会に親密になろう

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スタービーチ said...

スタービーチで幸せ掴みませんか?楽しめる出.会.いをしたいならここしかない!今までとは一味もふた味も違う出.会.いを体験していきましょう

逆援助 said...

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モバゲー said...

大人気モバゲーが遂に出合いの場所に!モバゲーだから気軽に出会える!出合いに縁がなかった方も是非ご利用くださいませ

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スタービーチ said...

スタービーチは誰にでも出逢いという奇跡をもたらしてくれる。スタビで理想の関係作りしてみませんか

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モバゲーでは友達から恋愛まで、様々な出 会いを探せる無料のコミュニティサイトです。常時サポートスタッフが掲示板をチェック、サクラや業者を排除しておりますので安心してご利用いただけます

スタービーチ said...

日本最大級の出会いコミュニティ「スタービーチ」で探しませんか。素敵な出会いを経験して理想の人と楽しい思い出を作りましょう

スタービーチ said...

スタービーチなら好みの女性がきっと見つかる!会員数ナンバーワンのスタビでご近所さんを探そう

スタービーチ said...

日本最大級の出会いコミュニティ「スタービーチ」で探しませんか。素敵な出会いを経験して理想の人と楽しい思い出を作りましょう

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Anonymous said...

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モバゲー said...

出会い専門のモバゲーSNSが誕生!メル友、恋人、セフレetc…貴方の理想に合った関係になれちゃいます。素敵な人と過ごしたいならココで見つけてみませんか

モバゲー said...

ゲームよりも出会い目的でモバゲーが大人気です。無料期間中に遊んでみませんか

セフレ said...

セフレ倶楽部は 童貞、 逆援、 人妻の 3つのジャンルで構成されており、セレブ女性とセックスするだけで、男性会員へ高額な報酬が支払われるシステムになっております。一定の数の男性会員が集まれば、会員の募集を一度締め切らせて頂きますのでお早めにどうぞ

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スタービーチ said...

最近スタービーチが女の子のコミュニティーサイトで話題中みたい!!夏休み目前ってのもあり登録比率に女性の数が半端ね~、やっぱり夏に一人は辛すぎや~とか思ってたら、暇な娘多すぎ・彼女簡単に出来ちゃった

スタービーチ said...

出 会いを探しているのなら会員数ナンバーワンのスタービーチ!開放的な夏休みはここで新しい出 会いを見つけよう!

モテる度チェッカー said...

夏休み目前になり、一人で大事な休みを過ごすのは誰でもイヤと違う?そんな時にモテる度チェッカーで簡単診断、この夏アナタも彼氏・彼女と過ごすための貴重なアドバイスが手に入りますよ、もうアドバイスに対しての感謝のメールが毎日!!アナタもこの夏を乗り遅れるな

グリー said...

グリー発信!!出会い専門SNS誕生、今話題のgreeから出会いをGETしよう。greeにしかできない事が盛りだくさん!!気軽にメールするだけで出会えるサイト・・・貴方の理想の異性と出会いませんか

gree said...

話題のgreeで新しい出会いを見つけよう!夏休みに入ってヒマしてる女の子が急増中!無料期間中にご近所の女の子をGETしちゃおう

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セフレ said...

セフレを探しているならここ!割りきった体の関係を探している女性と出会いのチャンス!セックス目的なので会ってすぐにヤれちゃいます

モバゲー said...

モバゲー専門の出会い掲示板が誕生!出会いを求めている方にはオススメのサイトです。幸せな時間を過ごしたい方、淋しい思いをしたくない方はぜひご覧ください

スタビ said...

スタビでできる新しい恋・・・素敵な出合いをするならスタビから始めてみませんか?女性に面識のない方でもサポート機能があるから安心してご利用できます。是非一度利用してみて下さい

SM度チェッカー said...

気になる人の性癖を知ることは、その人に近づく良いキッカケや話題作りに成ります。そんな時にSM度チェッカーを使ってみて下さい。話が合い一気に仲良くなり、どのまま・・・な関係にその日の内に為れるよ。なんと言っても今は夏休みですからね

スタービーチ said...

夏休みに伴い新しくリニューアルのスタービーチです。最近は似たサイトの乱立でイメージ悪化の一途を辿ってましたからここで一新、元スタビ社員による心機一転。これを機会に楽しい夏休みライフを送って下さい

モバゲー said...

モバゲー出会い掲示板は色々な種類の出会いを扱っております。登録無料で新しい恋の始まる事は確実です

ツイッター said...

今話題沸騰中!?新感覚出会いをツイッターで体験しませんか?リアルタイムで相手が何をしてるか分かるから、理想の人かどうかが簡単に分かる。貴方の理想の人をGETしませんか

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mコミュ said...

素敵な出 会 いで愛を育む♪理想の人と楽しめる関係を築きませんか?mコミュでしか味わえない幸せを掴みましょう

スタービーチ said...

スタービーチで会える!?理想の異性をGETしよう☆素敵な出会いばかりだから求めている関係も作りやすい!!貴方が求めているのはどういった恋ですか?

名言チェッカー said...

他の人が言ってる名言や格言って良い事言ってるな~とか思ってる方、名言チェッカーで今日から自分に相応しい言葉を見つけませんか!!これでどんな人にも一目置かれる存在に為れますよ

mixi said...

mixiをも凌駕する出会い率!!出会いをするならここしかない♪mixiより出会えてしまうこのサイト。一度ハマれば辞めれません。スタービーチで素敵な出会いをしちゃいましょう

モバゲー said...

モバゲーで出会いをすれば楽しい事は間違いありません。暑いからこそ出会いを楽しむべきなのです。登録無料で簡単に利用可能!

モバゲータウン said...

モバゲータウンでは恋愛から出合いまでのキッカケをつかめる無料のコミュニティサイトです。常時サポートスタッフが掲示板をチェック、サクラや業者を排除しておりますので安心してご利用いただけます

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スタビ said...

スタビが今一番アツイのはご存じでしょうか?夏休みで出会いを探している娘とすぐに会えちゃうんです。登録無料でここまで出会える所は他には存在しません。今登録して良いパートナーに巡り合おう

スタービーチ said...

出会いのシーズン、夏到来!スタービーチでご近所さんと知り合っちゃおう!ひと夏の体験も女の子は求めている

モバゲー said...

モバゲーでついに出会いができる!?楽しめる出会い、求めていた出会いはココから始まる。素敵な出会いでまずは関係づくりwしていきましょう

gree said...

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ツイッター said...

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今やモバゲーは押しも押されもせぬ人気SNS!当然出 会いを求めてる人も多い!そこで男女が出 逢えるコミュニティーが誕生!ここなら友達、恋人が簡単にできちゃいますよ

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もう夏休みも終わりに近づき、この夏最後の思い出を作りたいと焦ってる方が、モバゲーのコミュニティーに書かれてましたよ!!折角なんで夏の思い出作りに協力して自分も美味しい思いをしてみるのはどうですか?大手スポンサーサイトが付いてるので全部タダですよ

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最近はどこのSNSサイトも規制ばっかりで、ちょっと出 合いに関して書き込みするとアク禁食らうけど、夏休み終盤に差し掛かり色々なサイトを調べた結果、グリーだけはどうも規制が緩んでるみたいです。今がチャンスの時期ですよ

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ツイッターで出 合 いを求めるのです。気の合う異性と交流して楽しいひと時をお過ごしください。登録無料で使えるので気軽さは100点満点!

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mコミュでならご近所さんと出会える確率99%!友達や恋人を探してる人はここで見つけてみませんか

モテる度チェッカー said...

夏休みももう終わりに近づきこのまま一人は寂しいのちがう?そこでモテる度チェッカーを使い自分がなぜモテないか診断してもらいましょう。10~20代の女性アドバイザーが多数在籍してるので、アドバイスを参考に夏終盤を楽しもう

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出合いサイト said...

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Both women and men could feel the pressures of keeping their clothing up-to-date and in time, yet men's style usually feels a lot less complicated. Of course, for both genders, garments and fashion choices could be just as intricate, and there are numerous'stylish'things that can easily become fashion faux pas - who are able to say they frequently see people walking on in 70s flares? On the other hand, men's fashion includes a few staple things that will exist forever - which man is planning to watch out of place with a good-quality, tailored suit, for instance? Pick classic pieces, colours and materials and you'll never seem out-of-place.

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