ISACA's Marc Vael says differences in cloud computing environments and cloud providers can pose security risks. But well thought-out contracts and risk-management plans can fill potential security gaps and ensure business continuity during outages and disasters.

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.

Before entering a contract with a cloud computing company, organizations should consider three critical issues, says Feisal Nanji, executive director at the security consulting firm Techumen.

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.

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.

Dan Rode of the American Health Information Management Association describes why the group wants to see major revisions in a proposed federal rule requiring hospitals, clinics and others to give patients access reports listing everyone who's viewed their records.

Oregon Chief Information Security Officer Theresa Masse finds herself at the center of a state initiative to simplify compliance by agencies with Internal Revenue Service rules to safeguard taxpayer data.

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.

It's the new conventional wisdom: all computer networks will be attacked.

For Phyllis Schneck, that means organizations must be resilient, keeping computers functioning even when they're under assault.