R. Kinney Williams - Yennik, Inc.
R. Kinney Williams
Yennik, Inc.

Internet Banking News
Brought to you by Yennik, Inc. the acknowledged leader in Internet auditing for financial institutions.

January 27, 2008

CONTENT Internet Compliance Information Systems Security
IT Security Question
Internet Privacy
Website for Penetration Testing
Does Your Financial Institution need an affordable Internet security audit?  Yennik, Inc. has clients in 42 states that rely on our penetration testing audits to ensure proper Internet security settings and to meet the independent diagnostic test requirements of FDIC, OCC, OTS, FRB, and NCUA, which provides compliance with Gramm-Leach Bliley Act 501(b) The penetration audit and Internet security testing is an affordable-sophisticated process than goes far beyond the simple scanning of ports.  The audit focuses on a hacker's perspective, which will help you identify real-world weaknesses.  For more information, give R. Kinney Williams a call today at 806-798-7119 or visit http://www.internetbankingaudits.com/.

- IDs from hotel computers - A Colombian engineer pleaded guilty in federal court to illegally hacking into hotel computers in Miami, Las Vegas and other cities to steal credit card numbers and other personal information to pocket more than $400,000 to finance his luxurious lifestyle. http://www.miamiherald.com/news/breaking_news/story/372940.html

FYI - Fully patched PCs are a rare breed - A small minority of users - as few as one in 20 - is running fully-patched Windows PCs. Just five per cent of newly-registered users of an online security inspection service Secunia came out with a clean bill of health, while more than 40 per cent have at least 11 insecure applications installed. http://www.theregister.co.uk/2008/01/09/secunia_insecurity_survey/print.html

FYI - New mass hack strikes sites, confounds researchers - May be linked to November 2007 break-in at U.K. hosting firm - A massive hack of legitimate Web sites has been spreading malware to visitors' PCs, using a new tactic that has made detection "extraordinarily difficult," security experts said today. http://www.computerworld.com/action/article.do?command=viewArticleBasic&articleId=9057224&source=NLT_PM&nlid=8

FYI - Barclays chairman has identity stolen - Thief gets away with 10,000 - Marcus Agius, the chairman of Barclays Bank, has had 10,000 stolen by an identity thief.

FYI - Rootkit targeting Master Boot Record in the wild - A rootkit attacking Master Boot Record (MBR) -- a vector used more than a decade ago on MS-DOS operating systems -- on various Windows operating systems is spreading in the wild, according to researchers. http://www.scmagazineus.com/Rootkit-targeting-Master-Boot-Record-in-the-wild/article/100576/

FYI - Silentbanker trojan dupes bank customers into sending money - A researcher has warned that the Silentbanker trojan apparently is able to circumvent two-factor authorization and inject itself into the middle of ongoing banking transactions, duping bank customers into sending money to attackers while the customer proceeds with what looks like a valid transaction. http://www.scmagazineus.com/Silentbanker-trojan-dupes-bank-customers-into-sending-money/article/104171/

FYI - Attack injects malicious JavaScript into hundreds of e-commerce sites - A "massive attack" related to the November break-in of an internet hosting company has injected malicious JavaScript code into several hundred e-commerce websites, particularly in the United Kingdom, according to Trend Micro. http://www.scmagazineus.com/Attack-injects-malicious-JavaScript-into-hundreds-of-e-commerce-sites/article/104206/

FYI - House Oversight panel slams TSA for lax website security - A Congressional committee has slammed the Transportation Security Administration (TSA) for giving a no-bid contract to a website developer that failed to implement cybersecurity procedures to protect the personal information of travelers. http://www.scmagazineus.com/House-Oversight-panel-slams-TSA-for-lax-website-security/article/104193/


FYI - Hacker posts hundreds of credit card numbers - News First Investigates has uncovered what looks like a major internet breach. We found a list of hundreds of credit card numbers and personal information on a website hosted by Google. http://www.koaa.com/aaaa_top_stories/x1457862232

FYI - Polish teen derails tram after hacking train network - A Polish teenager allegedly turned the tram system in the city of Lodz into his own personal train set, triggering chaos and derailing four vehicles in the process. Twelve people were injured in one of the incidents. http://www.theregister.co.uk/2008/01/11/tram_hack/print.html

FYI - Security guard relaxed as Metro data thieves struck - Two laptop computers containing 337,000 Nashville voters' Social Security numbers were stolen as the building's security guard listened to Christmas music, ordered food and visited the break room, failing to make his hourly rounds. http://www.tennessean.com/apps/pbcs.dll/article?AID=200880103134

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WEB SITE COMPLIANCE - Flood Disaster Protection Act

The regulation implementing the National Flood Insurance Program requires a financial institution to notify a prospective borrower and the servicer that the structure securing the loan is located or to be located in a special flood hazard area. The regulation also requires a notice of the servicer's identity be delivered to the insurance provider. While the regulation addresses electronic delivery to the servicer and to the insurance provider, it does not address electronic delivery of the notice to the borrower.

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We continue our series on the FFIEC interagency Information Security Booklet.  


Action Summary
-Financial institutions must maintain an ongoing information security risk assessment program that effectively

1)  Gathers data regarding the information and technology assets of the organization, threats to those assets, vulnerabilities, existing security controls and processes, and the current security standards and requirements;

2)  Analyzes the probability and impact associated with the known threats and vulnerabilities to its assets; and

3) Prioritizes the risks present due to threats and vulnerabilities to determine the appropriate level of training, controls, and testing necessary for effective mitigation.

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6. Determine that, where appropriate and feasible, programs do not run with greater access to other resources than necessary.  Programs to consider include application programs, network administration programs (e.g., DNS), and other programs.

7. Compare the access control rules establishment and assignment processes to the access control policy for consistency.

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- We continue our series listing the regulatory-privacy examination questions.  When you answer the question each week, you will help ensure compliance with the privacy regulations.

Content of Privacy Notice

12. Does the institution make the following disclosures regarding service providers and joint marketers to whom it discloses nonpublic personal information under 13:

a. as applicable, the same categories and examples of nonpublic personal information disclosed as described in paragraphs (a)(2) and (c)(2) of section six (6) (see questions 8b and 10); and [6(c)(4)(i)]

b. that the third party is a service provider that performs marketing on the institution's behalf or on behalf of the institution and another financial institution; [6(c)(4)(ii)(A)] or

c. that the third party is a financial institution with which the institution has a joint marketing agreement? [6(c)(4)(ii)(B)]


PLEASE NOTE:  Some of the above links may have expired, especially those from news organizations.  We may have a copy of the article, so please e-mail us at examiner@yennik.com if we can be of assistance.  

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Yennik, Inc.

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Office 806-798-7119


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