In this new podcast from the Payments Spotlight series, Atlanta Fed senior bank examiner Tony DaSilva shares recommendations for banks implementing retail payments risk management programs. A former banker, DaSilva can offer two perspectives: that of the supervisor and that of the supervised institution.

Mobile payments have really taken off in Asian and African countries, but the United States has been slow to adopt this channel. An industry expert talks about why he thinks the United States will continue to lag, in a new Payments Spotlight podcast.

Remember this? One dog says to another, "The great thing about the Internet is no one knows you're a dog." Online dog attacks are unlikely, but other online attacks threaten your personal information. The latest Payment Spotlights podcast features online security.

Companies gather a great deal of personal data about people, information that can be vulnerable to theft. Will Roberds, research economist and senior policy adviser at the Atlanta Fed, discusses data breaches and risk management in emerging payments and the concomitant risk of identity theft.

Mobile banking and payments is still an emerging industry, so the industry has yet to adopt common security standards. Soren Bested, managing director of Monitise Americas, discusses the need for such standards and stresses the importance of collaboration in developing them.

Tina Giorgio, senior vice president of operations at Sandy Spring Bank in Maryland and board member of NACHA and the Mid-Atlantic Automated Clearinghouse, discusses safeguards and sound business practices that institutions can implement to safeguard against cyberattacks.

Jane Larimer, executive vice president of ACH network administration and general counsel for NACHA, the Electronic Payments Association, discusses fraud and risk in the ACH network.

Shirley Inscoe, director of financial services solutions at Memento Inc., discusses how economically turbulent times have given rise to increased incidence of payments fraud.

Mark Budnitz, a professor in Georgia State University's college of law, discusses the challenges and opportunities that mobile payments hold for banking.

Mary Gilmeister, president of the Wisconsin ACH Association, discusses mitigation of payment fraud and risk in the automated clearinghouse and emerging technologies.