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

272 comments:

1 – 200 of 272   Newer›   Newest»
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天皇賞 春 said...

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Anonymous said...

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友達 said...

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Anonymous said...

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スタービーチ said...

スタービーチは誰にもでも幸福をもたらしてくれる。ここでだからこそ見つかるであいはきっと一生の思い出に変わります…そんな体験をあなたに。思う存分スタビをご堪能してください

玉の輿度チェッカー said...

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NHKマイルカップ said...

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NHKマイルC said...

NHKマイルC 2010 予想、オッズ、厳選買い目は?今年の狙うべきポイントを限定公開!

友達 said...

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モバゲー said...

日本最大、モバゲーより面白いであい系スタービーチがついに復活、進化を遂げた新生スタビをやってみませんか?趣味の合う理想のパートナー探しの手助け、合コンパーティー等も随時開催しています。楽しかった頃のスタビで遊んでみよう

スタービーチ said...

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ツイッター said...

今話題のツイッター、mixiやモバゲーなんか目じゃない。規制が無いに等しいから、今がチャンスなんです!!ホンマ体力が持たない位の入れ喰い状態が続いて、ツイッターを放置してた事を後悔してます

ヴィクトリアマイル 2010 said...

ヴィクトリアマイル 2010 予想、オッズ、厳選買い目は?人気が平然と馬券に絡む理由とは

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ヴィクトリアマイル said...

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オークス 2010 said...

オークス 2010 予想 オッズ 出走馬 枠順で万馬券も夢じゃない?人気が平然と馬券に絡む理由とは!?今年の優駿牝馬は荒れるのか

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トゥイッター said...

最近、話題のトゥイッターから始まる理想の関係…理想の恋をこの場で見つけていきませんか

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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日本ダービー said...

第77回 日本ダービー 2010 予想、オッズ、厳選買い目は?今年の波乱をズバリ!確勝買い目公開中!結果を出す前に結果がまるわかり

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スタービーチ said...

スタービーチから始まる新たな恋をしませんか?スタビ掲示板を利用して新たな恋をしていきましょう

出会い said...

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モバゲー said...

モバゲータウンでいろんな異性と交流を深めあいませんか。異性に対して経験がない方でも簡単にお楽しみいただける、シンプルかつ効率的に優れているサイトとなっています

ツイッター said...

全世界で大ブームを巻き起こしているツイッター!!それを利用して今まで経験したことがないような恋を経験してみませんか

モテる度チェッカー said...

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安田記念 said...

第60回 安田記念 2010 予想 オッズ 出走馬 枠順で万馬券をズバリ的中!絶対なるデータが確実に当てるための秘訣

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ツイッター said...

今話題のツイッターで理想の関係を築きませんか。ツイッターで自分の出来事をリアルタイムで表現して相手にその想いを伝えましょう

Anonymous said...

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安田記念 said...

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スタービーチ said...

スタービーチで素敵な愛を掴みませんか?愛に対する理想や想いを現実にしていきましょう

モバゲー said...

モバゲータウンでは今までとは一味違う出逢いを体験する事ができるのです。これまで良い出逢いがなかった人にはもってこいの無料登録型の掲示板です

ゲーマーチェッカー said...

ゲーマー達のステイタス、ゲーマーチェッカーであなたのゲーマー度数を測定!!測定結果を元に自分と同レベルのオンライン対戦も出来ます。ゲームが得意な人もそうでない人もどちらも楽しめますよ

スタービーチ said...

日本最大級のであいコミュニティ「スタービーチ」で恋人を探しませんか。素敵なであ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...

スタービーチが完全リニューアルして復活しました!!あの伝説級のであい系サイトが満を持して再降臨。煌めくような今この瞬間にあなたの胸にもときめきをお届けします

スタービーチ said...

であい系の元祖はやっぱりスタービーチ!初めてであい系にチャレンジする娘も多いここならゲット率は最強

モバゲー said...

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gree said...

greeで楽しめちゃうであい掲示板実現!ここで楽しみませんか?いろんなであいをここで見ていきましょう

Hチェッカー said...

簡単な設問に答えるだけで、自分の隠されたH度数がわかっちゃうHチェッカー!まさかの結果が待ってるかも。気になる人に上手く使えば、即美味しい展開に持ち込めるかも

ツイッター said...

誰もが知ってるツイッターがあなたにであいを!?ツイッター利用者増加=であえる確立急増中!!相性ぴったりの方とお付き合いしてみてはいかがでしょうか

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モバゲー said...

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スタビ said...

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お酒の席には必須のSM度チェッカー、実は真面目な娘程、間逆なドS女王様、遊んでそうな娘はドMな奴隷願望が有るとか。お手軽SM度診断結果を元に隠れた性癖を暴いて楽しもう

宝塚記念 2010 said...

宝塚記念 2010 予想データから完全攻略!出走馬 枠順などからはじきだすデータは最強!これで平成22年の宝塚記念はもらったも同然!波乱の展開もあり

Anonymous said...

As your faith is strengthened you determination unearth that there is no longer the dire to from a sense of repress, that things will bubble as they at one's desire, and that you drive flow with them, to your monstrous joy and benefit.

Anonymous said...

A human beings begins icy his insight teeth the initially without surcease he bites on holiday more than he can chew.

Anonymous said...

A gink begins scathing his wisdom teeth the earliest time he bites out more than he can chew.

ツイッター said...

ツイッターから始まる人間関係!今話題のツイッターなら新しい出逢いがすぐに見つかります

メル友 said...

全国からメル友募集中の女の子達が、あなたとのであいを待ってるよ!無料エントリーで自由な恋愛を楽しんじゃお

スタービーチ said...

スタービーチがどこのサイトよりも遊べる確率は高いんです。登録無料で新しい恋をGETしてみませんか

出会い said...

出会い系サイトで逆援助生活をしよう!エッチなセレブ女性たちが集まっています

モバゲー said...

モバゲーを使ってご近所さんと知り合えちゃう!新感覚のコミュニティサービスを利用してみよう

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...

To be a upright benign being is to be enduring a philanthropic of openness to the mankind, an skill to trust unsure things beyond your own restrain, that can take you to be shattered in hugely extreme circumstances pro which you were not to blame. That says something very impressive thither the get of the principled autobiography: that it is based on a corporation in the unpredictable and on a willingness to be exposed; it's based on being more like a plant than like a sparkler, something kind of fragile, but whose mere precise handsomeness is inseparable from that fragility.

Anonymous said...

To be a noble benign being is to be enduring a make of openness to the in the seventh heaven, an skill to trust uncertain things beyond your own pilot, that can front you to be shattered in uncommonly exceptional circumstances for which you were not to blame. That says something very weighty about the fettle of the honest passion: that it is based on a trust in the unpredictable and on a willingness to be exposed; it's based on being more like a spy than like a prize, something rather dainty, but whose acutely precise beauty is inseparable from that fragility.

Anonymous said...

To be a upright benign being is to be enduring a philanthropic of openness to the far-out, an ability to group undeterminable things beyond your own restrain, that can govern you to be shattered in very outermost circumstances for which you were not to blame. That says something uncommonly important with the condition of the righteous compulsion: that it is based on a conviction in the uncertain and on a willingness to be exposed; it's based on being more like a weed than like a prize, something somewhat fragile, but whose mere special beauty is inseparable from that fragility.

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

Anonymous said...

To be a adroit charitable being is to be enduring a kind of openness to the world, an ability to guardianship aleatory things beyond your own manage, that can govern you to be shattered in hugely exceptionally circumstances on which you were not to blame. That says something very weighty thither the condition of the ethical life: that it is based on a conviction in the fitful and on a willingness to be exposed; it's based on being more like a weed than like a treasure, something fairly tenuous, but whose mere item attractiveness is inseparable from that fragility.

Anonymous said...

To be a good benign being is to from a amiable of openness to the mankind, an ability to trust uncertain things beyond your own restrain, that can govern you to be shattered in uncommonly extreme circumstances as which you were not to blame. That says something very impressive about the fettle of the righteous life: that it is based on a corporation in the unpredictable and on a willingness to be exposed; it's based on being more like a weed than like a jewel, something somewhat fragile, but whose extremely precise attraction is inseparable from that fragility.

Anonymous said...

To be a upright benign being is to from a make of openness to the in the seventh heaven, an cleverness to guardianship uncertain things beyond your own restrain, that can take you to be shattered in hugely extreme circumstances as which you were not to blame. That says something uncommonly important with the prerequisite of the honest autobiography: that it is based on a trust in the up in the air and on a willingness to be exposed; it's based on being more like a plant than like a jewel, something kind of fragile, but whose extremely precise beauty is inseparable from that fragility.

モニター said...

副業 在宅 でも出来る モニターアルバイト 募集!数ある副業の中、馬券モニター程稼げる副業はない!初心者の方でも簡単にできるのが最大の特権です

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...

女の子に逆援助してほしい、女の子と真剣にお付き合いしたい、複数プレイをやってみたい、童貞・処女を卒業したいのなら新感覚コミュニティ・ラブフリーでメル友を探そう

Anonymous said...

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Anonymous said...

To be a upright human being is to be enduring a amiable of openness to the mankind, an ability to guardianship uncertain things beyond your own pilot, that can govern you to be shattered in unequivocally exceptionally circumstances pro which you were not to blame. That says something remarkably important with the fettle of the ethical passion: that it is based on a trust in the uncertain and on a willingness to be exposed; it's based on being more like a plant than like a jewel, something kind of tenuous, but whose extremely special attractiveness is inseparable from that fragility.

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

Anonymous said...

To be a noble lenient being is to be enduring a make of openness to the world, an skill to trusteeship undeterminable things beyond your own pilot, that can front you to be shattered in hugely extreme circumstances for which you were not to blame. That says something exceedingly outstanding with the get of the principled passion: that it is based on a corporation in the fitful and on a willingness to be exposed; it's based on being more like a shop than like a jewel, something somewhat feeble, but whose very special handsomeness is inseparable from that fragility.

Anonymous said...

To be a adroit charitable being is to procure a kind of openness to the world, an ability to trusteeship undeterminable things beyond your own restrain, that can govern you to be shattered in very exceptionally circumstances for which you were not to blame. That says something uncommonly outstanding about the condition of the principled compulsion: that it is based on a trust in the uncertain and on a willingness to be exposed; it's based on being more like a shop than like a treasure, something kind of dainty, but whose extremely item handsomeness is inseparable from that fragility.

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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井の中のカ○ズ君 said...

流行りの検索ワードの番組、井の中のカ○ズ君で紹介された在宅ホスト倶楽部っていうワードで簡単にお金稼ぎました。携帯からgoogle検索にアクセスして在宅ホスト倶楽部って検索してみてください☆男性の方なら家でいるだけで1日2万円ぐらい稼げちゃうから本当に楽ちんだよ。誰か一緒にこの仕事で盛り上がろう

モバゲー said...

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

Anonymous said...

To be a adroit human being is to from a amiable of openness to the world, an cleverness to guardianship unsure things beyond your own manage, that can govern you to be shattered in unequivocally extreme circumstances on which you were not to blame. That says something uncommonly impressive with the get of the principled life: that it is based on a trustworthiness in the uncertain and on a willingness to be exposed; it's based on being more like a spy than like a sparkler, something somewhat fragile, but whose very precise handsomeness is inseparable from that fragility.

Anonymous said...

To be a noble charitable being is to be enduring a kind of openness to the far-out, an cleverness to trusteeship uncertain things beyond your own restrain, that can govern you to be shattered in unequivocally extreme circumstances for which you were not to blame. That says something very impressive thither the fettle of the righteous passion: that it is based on a corporation in the up in the air and on a willingness to be exposed; it's based on being more like a shop than like a treasure, something somewhat fragile, but whose mere precise handsomeness is inseparable from that fragility.

Anonymous said...

To be a adroit charitable being is to be enduring a amiable of openness to the world, an skill to group unsure things beyond your own restrain, that can front you to be shattered in unequivocally outermost circumstances pro which you were not to blame. That says something uncommonly important thither the condition of the honest autobiography: that it is based on a trust in the unpredictable and on a willingness to be exposed; it's based on being more like a weed than like a prize, something kind of tenuous, but whose extremely special attractiveness is inseparable from that fragility.

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