TAILIEUCHUNG - Supplement to Authentication in an Internet Banking Environment

Since 2005, there have been significant changes in the threat landscape. Fraudsters have continued to develop and deploy more sophisticated, effective, and malicious methods to compromise authentication mechanisms and gain unauthorized access to customers’ online accounts. Rapidly growing organized criminal groups have become more specialized in financial fraud and have been successful in compromising an increasing array of controls. Various complicated types of attack tools have been developed and automated into downloadable kits, increasing availability and permitting their use by less experienced fraudsters. Rootkit-based malware surreptitiously installed on a personal computer (PC) can monitor a customer’s. | Federal Financial Institutions Examination Council 3501 Fairfax Drive Room B7081a Arlington VA 22226-3550 703 516-5588 FAX 703 562-6446 http Supplement to Authentication in an Internet Banking Environment Purpose On October 12 2005 the FFIEC agencies1 Agencies issued guidance entitled Authentication in an Internet Banking Environment 2005 Guidance or Guidance .2 The 2005 Guidance provided a risk management framework for financial institutions offering Internet-based products and services to their customers. It stated that institutions should use effective methods to authenticate the identity of customers and that the techniques employed should be commensurate with the risks associated with the products and services offered and the protection of sensitive customer information. The Guidance provided minimum supervisory expectations for effective authentication controls applicable to high-risk online transactions involving access to customer information or the movement of funds to other parties. The 2005 Guidance also provided that institutions should perform periodic risk assessments and adjust their control mechanisms as appropriate in response to changing internal and external threats. The purpose of this Supplement to the 2005 Guidance Supplement is to reinforce the Guidance s risk management framework and update the Agencies expectations regarding customer authentication layered security or other controls in the increasingly hostile online environment. The Supplement reiterates and reinforces the expectations described in the 2005 Guidance that financial institutions should perform periodic risk assessments considering new and evolving threats to online accounts and adjust their customer authentication layered security and other controls as appropriate in response to identified risks. It establishes minimum control expectations for certain online banking activities and identifies controls that are less effective in the current environment. It also .

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