No two fraud incidents may be exactly alike, but a fraud investigator's approach can still be very consistent and precise, says Jean-Francois Legault, a fraud investigations specialist with Deloitte and Touche.

"We're continually testing our controls and the effectiveness of our controls. We do a lot of emerging-threats monitoring ... so we can react," says First Niagara's Joe Rogalski.

Chris Olson of Fremont Bank says card skimming and the acceleration of ID theft prompted the bank to initiate a move from the mag-stripe to the chip.

Because information security threats know no borders, the European Network and Information Security Agency is working hard to ensure the solutions span nations, too, says Prof. Udo Helmbrecht, ENISA's executive director.

Scott Laliberte, managing director of Protiviti, wrote the book on penetration testing, and he has strong feelings about what organizations are doing right and wrong when assessing their information security risks today.

There are significant hard and soft benefits for government agencies to gain by investing now in solutions built around Trustable Identities, says Mike Ozburn, principal of Booz Allen Hamilton.

Performing digital forensics in the cloud isn't necessarily a new discipline, says Rob Lee of SANS Institute. But the task definitely requires a whole new mindset and some new skills from investigators.

It is no longer enough for information security professionals to secure critical information. They also need to be asking about the legitimacy of where this information comes from, says John Colley, managing director of (ISC)2 in EMEA.

Dickie George of the National Security Agency has one word to describe the state of information security education today: "Spotty." And this state must improve if we hope to fill all the growing demand for security pros.

Behavioral monitoring and transaction-anomaly detection are setting the baseline for online authentication, says Guardian Analytics' Terry Austin.