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.

2011 will be the year of more -- more sophisticated malware, more WikiLeaks-style breaches and more regulatory compliance headaches.

A panel of regulators and industry experts weighs in on the top 4 regulatory issues of 2011, and card skimming attacks get more sophisticated the world-over.