As we approach the 10-year anniversary of the 9/11 attacks on the U.S., Kevin Sullivan, a former investigator with the New York State Police, reflects on lessons learned and steps industries still need to take to ensure a tragedy like 9/11 is never repeated.

Frequent face-to-face training on social media policies is a vital component of any risk management effort, says consultant Erika Del Giudice.

Doug Johnson of the ABA and FS-ISAC says banks and commercial customers are improving efforts to catch and thwart incidents of corporate account takeover, a sign that the industry is moving in a positive payments direction.

Out with the old; in with the new. It's time for security-minded organizations to invest in the power and protection of the next generation firewall, says Matt Keil of Palo Alto Networks.

Careers in IT security remain hot, says David Foote, noted researcher and analyst of IT workforce trends. But there's a disconnect between current job opportunities and the talent pool looking to fill them.

The future worth of payments will not rely so much on tangible currency, but more on digital value and data. And that means a stronger need for security and data management.

Facial recognition technology could prove to be an effective way to authenticate individuals seeking entry to secured buildings or databases storing sensitive information. But the biometric technology already is being abused, and IT security managers employing facial recognition should be careful to encrypt the biometric data, cautions a privacy rights leader.

Fraud is a global concern, and an area regulators and financial institutions the world-over are watching closely, says Bill Isaac. Whether a cyberthreat or mortgage fraud, investments in fraud prevention will continue, despite the state of the international economy.

ICBA's Chris Lorence says all financial institutions, especially community banks, should appreciate the positive and negative effects posts on social-networking sites can have on their reputations.

Former FDIC head Bill Isaac says U.S. banks have strengthened their financial footing since the market collapse of 2008, but the U.S. economy remains on the verge of a "double-dip" recession. The reason: poorly planned regulatory reforms.