Federal regulators and industry experts share their views about the top 4 regulatory issues of the new year, and an online breach perpetrated with an SQL injection leads hackers to stored data for 110,000 credit cards.

Federal regulators and industry experts share their views about the top 4 regulatory issues of the new year, and an online breach perpetrated with an SQL injection leads hackers to stored data for 110,000 credit cards.

Adam Dolby says he's more surprised by what U.S. banks aren't doing, especially where transaction and user authentication are concerned.

In the real world, fraud detection and prevention are tough priorities for most financial institutions.

Dmitri Alperovitch, McAfee Labs threat research vice president, discusses the company's annual threat predictions, saying: "We are seeing an escalating threat landscape in 2011."

"The environment that started by supporting whistleblowers ... is essentially morphing into 'Gee, we as an organization need to be completely transparent, whether we want to or not,'" says Cal Slemp, managing director of Protiviti.

Fraud detection and lack of cross-channel integration pose big security challenges for financial institutions, and a lack of resources is to blame.

Enhanced integration of AML and fraud-prevention tools will be top priorities for 2011, says ABA's Johnson.

Thwarting the insider threat entails more than knowing an individual with access to a computer, but to recognize the synergy between the individual, organization, technology and environment, I3P Research Director Shari Lawrence Pfleeger says.