New authentication guidance, when it is passed down, needs more attention on mobile, says Fraud Red Team's David Shroyer,a former Bank of America security executive.

The FDIC's Donald Saxinger says vendor management programs are getting more scrutiny from regulators, especially in areas of emerging technology such as cloud computing and mobile banking.

After one commercial customer fell victim to corporate account takeover, this institution suffered significant losses and learned that legal disputes rarely favor the bank.

As the financial industry anxiously awaits the release of new online authentication guidance from the FFIEC, experts speculate about what steps banks and credit unions should be taking now to prepare.

The same approach governments and businesses employ to protect individuals from the dangers of secondhand smoke could be applied to safeguard cyberspace, says Scott Charney, Microsoft's vice president of trustworthy computing, engineering excellence and environmental sustainability.

"Ethical hacking" - is the term an oxymoron, or is it one of today's necessities in the fight against cybercrime? Jay Bavisi, president and co-founder of the EC Council, feels strongly about why we need ethical hackers more today than ever before.

From Epsilon to Sony, recent data breaches and legislative trends tell a dramatic story about the turbulent state of privacy worldwide, according to J. Trevor Hughes, head of the International Association of Privacy Professionals.

With so much critical information being exchanged today via e-mail, now is the time to deploy next-generation e-mail encryption solutions, says Bob Janacek, CTO and founder of DataMotion.

Kirk Herath, Chief Privacy Officer at Nationwide Insurance Companies, has been in privacy management for more than a decade, and he has two main concerns about today's enterprise: Mobile technology and cloud computing.

The recent data breaches at Epsilon and Sony should send a chilling message to privacy officers everywhere. "You can't prepare enough," says Kirk Herath, chief privacy officer of Nationwide Insurance Companies.