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Hold back the invisible
enemy .
(Security in ebanking) .
January 2016
H.Van deVyver
Hold back the invisible enemy
Threats
Safeguards
Security policy
Security
https://www.deloitte.com/assets/Dcom-Turkey/Local%20Assets/Documents/uk-cb-deloitte-
consumer-review-4th-edition.pdf
Threats
Fundamental threats (1)
Disclosure
Tampering
Denial of service
Repudiation
Illegitimate use
Enabling threats (2)
Masquerade
Trojan Horse
Virus
Control bypass
Authorisation violation
Threats
Underlying threats (3)
Eavesdropping
Scavenging
Indiscretion
Admin. error
Threats
Special notes:
Phishing
e-mail
website
trust/urgency
CNP transactions
stolen card
stolen card details
operate at distance
http://www.antiphishing.org/
Threats
• Spyware
• Phishing
• Viruses
• Hacking
https://www.homefederal.com/news/article/common_threats_to_business_online_banking_security/
Threats
https://www.vasco.com/services/services/consulting/e-banking_security.aspx
Safeguards
Authentication
(two/three factors)
Access control
Confidentiality
Integrity
Accountability
Physical
Personnel
Media
Emanations
Administration
Lifecycle
Security
https://www.deloitte.com/assets/Dcom-Turkey/Local%20Assets/Documents/uk-cb-deloitte-
consumer-review-4th-edition.pdf
Security policy
New security features
 pictures on login page
 user tracks suspicious sites
 special questions for users
Security policy
https://www.vasco.com/services/services/consulting/e-banking_security.aspx
Security policy
https://www.fsisac.com/sites/default/files/news/Destructive%20
Malware%20Paper%20TLP%20White%20VersionFINAL2.pdf
Security policy
https://www.fsisac.com/sites/default/files/news/Destructive%20
Malware%20Paper%20TLP%20White%20VersionFINAL2.pdf
DETECT
15
Anti-money laundering
Management needs to recognize electronic banking as a potentially high-
risk area and develop adequate policies, procedures, and processes for
customer identification and monitoring for specific areas of banking.
 Risk Factors
 Risk Mitigation
 TransactionTesting
Source: http://www.ffiec.gov
16
Anti-money laundering
Interested ?
• Please contact us at h.vandevyver@celufo.biz
19 January
2016
17

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Hold back the invisible enemy