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For most insurers, business intelligence means point solutions at best. But those carriers that weave analytics into the fabric of their organizations are equipped to drive more precision in pricing and greater profitability to the bottom line. For businesses that run on the analysis of information, insurers have proven notably reluctant to apply business intelligence (BI) and analytic technologies to risk management at both the corporate strategic level and in the front lines of underwriting. For a variety of reasons, enterprise risk management (ERM) solutions have been talked about far more than implemented, and BI and predictive analytics generally have been applied haphazardly or piecemeal, if at all. The financial crisis, however, has heightened interest in risk management technologies, owing to senior executives' fears of disastrous overexposure to risk. Their concerns are legitimate, but for insurance more than any other financial services sector, risk also is opportunity, and BI should be utilized more as a competitive weapon than a defensive shield. As insurance has become commoditized and investment returns have become less reliable, carriers' ability to more precisely analyze and underwrite risks can be a key source of competitive differentiation.

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One of the more interesting panel discussions at the IDC Cloud Computing Forum on Feb 18th in San Francisco was about managing the complexities of security, privacy and compliance in the Cloud. The simple answer according to panelists Carolyn Lawson, CIO of California Public Utilities Commission, and Michael Mucha, CISO of Stanford Hospital and Clinics is "it ain't easy!" "Both of us, in government and in health, are on the front-lines," Lawson proclaimed. "Article 1 of the California Constitution guarantees an individual's right to privacy and if I violate that I've violated a public trust. That's a level of responsibility that most computer security people don't have to face. If I violate that trust I can end up in jail or hauled before the legislature," she said. "Of course, these days with the turmoil in the legislature, she joked, "the former may be preferable to the later." Stanford's Mucha said that his security infrastructure was built on a two-tiered approach using identity management and enterprise access control. Mucha said that the movement to computerize heath records nationwide was moving along in fits and starts, as shown by proposed systems likeMicrosoft (NSDQ: MSFT)'s Health Vault and Google (NSDQ: GOOG)'s Personal Health Record. "The key problem is who is going to pay for the computerized of health records. It's not as much of a problem at Stanford as it is at a lot of smaller hospitals, but it's still a huge problem." Mucha said that from his perspective security service providers in the cloud and elsewhere are dealing with a shrinking security parameter or fence, which is progressing from filing cabinets, to devices, to files, and finally to the individual, who under the latest Health Insurance Portability and Accountability Act (HIPAA) privacy rules has certain rights, including rights to access and amend their health information and to obtain a record of when and why their Protected Health Information (PHI) record has bee

Financial fraud last year caused 7.5 percent of all adults in the United States to lose money, largely because of data breaches. That's the finding of a survey conducted by Stamford, Conn. research firm Gartner. The survey polled 5,000 U.S. adults and also found that when compared with average consumers, nearly twice as many people who lost money to fraud changed their shopping, payment, and e-commerce behavior. In particular, victims of electronic checking and/or savings account transfer fraud were nearly five times more likely to change banks because of security concerns. "Fraud victims are also more cautious about which brick-and-mortar stores they shop at and how they pay for goods when they get there, demonstrating more awareness of the risk of data breaches," said Avivah Litan, vice president and distinguished analyst at Gartner, in a news release. High-tech crimes, such as data breaches (which typically involve hacking into enterprise systems) and phishing attacks against consumers, are the most prevalent causes of payment card fraud. Gartner found that financial losses were highest with new-account, credit card and brokerage fraud, with average losses per incident totaling $1,097, $929 and $900, respectively. However, victims of brokerage, credit card and debit/ATM card fraud find it easiest to recover their losses, receiving an average of 100 percent, 86 percent, and 77 percent of the funds stolen, respectively.

IT security typically has been deemed one of those services best provided in-house. But the stigma attached to outsourcing security and Security as a Service -- namely that an outsider does not know your company well enough to protect it -- may be falling away, as businesses look for more ways to cut costs. Certainly, some heavy-hitter providers believe attitudes are changing. This month, McAfee Inc. announced its new SaaS Security Business Unit. Headed by former Hewlett-Packard Co. SaaS executive Marc Olesen, the unit will oversee all McAfee products delivered over the Internet, including security scanning services, Web and email security services and remote managed host-based security software and hardware. Meanwhile, last April, IBM launched some hosted and managed services that it says help midsized businesses better manage risk and improve the security of their IT systems, all while offering cost savings over traditional products. Indeed, much of IBM's security strategy during the next 24 months will focus on moving security technologies into the cloud and expanding its managed services offerings, said Jason Hilling, an enterprise services business line executive with IBM Internet Security Systems. That includes providing some hosted implementations of technologies that once were located only at the customer premises. "Because the economy is struggling, I think there will be enough excitement in the marketplace over the cost benefits of Security as a Service that we are going to see a much higher degree of willingness to look at it as a real viable option," Hilling said. Hilling contended that a midmarket company with between 500 and 700 employees can realize costs savings from 35% to upwards of 60% by doing security as a managed service. Savings diminish as the deployment gets larger and more complicated, and the costs of managed services escalate. Yet outsourcing security is not just about cost. The world is becoming very hostile, said Sadik Al-Abdulla,

Data breaches are running at record levels, according to the San Diego-based Identity Theft Resource Center, a non-profit that tracks cybercrime. ITRC says it recorded 342 data breaches from Jan. 1 through June 24, up 69% from the same period in 2007. But, like the origins and perpetrators of so many individual data breaches, mystery also lies behind the aggregated numbers. "I'm not sure that this says breaches are increasing," ITRC founder Linda Foley tells Digital Transactions News. "What we know is the reporting of breaches is increasing." A handful of states now require some disclosure of data breaches to authorities, Alaska being the most recent. And some companies that have been hacked are starting to report breaches voluntarily, Foley says. While data breaches can compromise all manner of personal and business records, they often involve credit and debit card data and bank-account information. ITRC lists five major categories of breached entities, with the so-called banking/credit/financial sector accounting for 10% of 2008's breaches. Businesses, which include physical and Internet retailers, insurance companies and other private enterprises, accounted for 36.8%. Schools accounted for 21.3%; government and military facilities, 17%; and health-care facilities, 14.9%. IRTC also categorizes breaches by how they happened, such as through hackings-break-ins into computers and related systems, insider thefts, data lost in physical transit, and by other methods. The number of 2008 hackings through late June in the banking/credit/financial category was 10-double the five for all of 2007. The estimated number of records compromised as a result was 227,864. In 2007, the reported number of compromised records at financial institutions through hackings was 83,500. But Foley says not to put too much stock in the records numbers because so many breached organizations don't know or fail to report the number of compromised records when they report a bre

The Heartland data breach is an opportunity for the US government to standardise data breach notification laws. Bill Conner, chairman, president and CEO of Entrust, claimed that following the revelation that more than 100 million credit cards could have been compromised, the government needs to continue to move quickly to standardise data breach notification laws and call for technology, such as encryption and stronger authentication, that truly protects consumer information. Conner said: "Cybercrime continues to grow and is increasingly affecting more and more of this country's citizens. To slow the upward trend of cybercrime in this country, all organisations - enterprise, consumer and even governments - need to carefully review current security approaches and identify key gaps within their infrastructures." He further called for Congress to pass a data breach notification law that better protects consumer identities through stronger data security standards with strong encryption. "This is an opportunity to do something about a security issue that impacts all Americans", said Conner.

70 percent of UK risk managers have declared that making sure the employees in their organization are risk savvy is their biggest challenge in light of new pitfalls according to research conducted by Aon. "The risks companies are facing, such as increased company insolvencies, less access to credit and increased levels of fraud, need to be dealt with by employees throughout the organization rather than just at senior management levels," said the bulletin. According to the survey of UK businesses the key risk management challenges they face in 2009 are: -- Embedding ERM in the culture of the organization 70 percent -- Keeping 'risk registers' real and relevant 47 percent -- Making the link between ERM and strategic planning processes 34 percent -- Gaining senior executive sponsorship 19 percent -- Making business continuity plans relevant to line managers 13 percent -- Credit rating agency scrutiny of ERM 6 percent Alex Hindson, head of enterprise risk management at Aon Global Risk Consulting commented: "When the markets are literally crashing down around us and we don't know what is just around the corner it is extremely tempting to focus just on the problems of today, rather than look at the issues and factors that are going to help us survive tomorrow, but this short term view can often be counter-productive.

This tip is part of Mitigating Web 2.0 threats, a lesson in SearchSecurity.com's Data Protection Security School. Visit the lesson page or our Security School Course Catalog for additional learning resources. Social networking, a term relatively new to the computing vernacular, has already become part of the cultural norm for a great proportion of Internet users. Even more recently, the use of online communities to establish and build connections among those with shared interests has become part of the corporate world as well. As professional social networks such as LinkedIn and Blue Chip Expert continue to grow, and professional groups gain in popularity on once-personal sites like Facebook and MySpace, enterprise security and risk management professionals must face the reality that these sites are emerging conduits for the unauthorized disclosure of confidential corperate information. Add the use of public social networking tools to the list of concerns, and the effectiveness of the traditional corporate security perimeter is further diminished. However, a robust set of policy, process and architecture aids in mitigating the risks of being social. Broadly, social networking is described as software that lets people interact, rendezvous, connect, play or collaborate by use of a computer network. This definition covers the popular social networking sites, including those mentioned above, as well as blogs, wikis, RSS, podcasts, tags, and more recently, search engines. While there are numerous benefits to social network solutions, including reducing costs and increasing collaboration, we'll focus on addressing the risks.

This year was an interesting year in privacy and information security, and by looking back, we can clearly discern trends that will likely be a major part of the security management landscape in 2009. More and more states passed breach-notification laws and several enhanced or extended existing legislation. Software-as-a-Service (SaaS) and virtualization really took off, and compliance's looming presence grew with PCI DSS version 1.2 and some actual enforcement of HIPAA. Of particular note was Massachusetts' data breach law 201 CMR 17.00: Standards for The Protection of Personal Information of Residents of the Commonwealth. This is to date the most comprehensive law of its kind, setting a new standard for what breach-notification laws should look like; it covers both paper and electronic records, it mandates appropriate security awareness training as well as security and risk assessments and, most importantly, requires companies to make changes to their security programs in accordance with the findings of those risk assessments. Similarly, California enhanced the well-known CA-1386 to include not just traditional financial information, but also health care and health insurance data as well. With new mandates popping up all the time, it's no wonder compliance was one of the biggest focus areas for enterprise information security teams in the past year, and this trend will clearly continue in 2009; there will be more regulation on both the state and federal levels, and stronger enforcement of existing regulations. Fines and other penalties for violations of PCI DSS and HIPAA will continue to rise, along with the inevitable rise in discoveries of malfeasance. As a result, there will be an even larger focus on compliance by upper management, which also means decreased time and budget for necessary security controls that don't clearly fall under a compliance umbrella.

Changes relating to different aspects of data management have been highlighted as key trends in the IT industry for 2009 in a report by consultancy Deloitte. The falling price of digital storage has caused an irresponsible approach to file management and IT leaders will need to give an increased focus to these issues, says Deloitte, along with finding ways around the rise in physical storage costs. "There are ways to control the escalation of storage costs, such as de-duplication tools that can free up space by reducing duplicate files," says the report. "Companies can assess the impact of individual applications, especially email - which is estimated to take up 25 per cent of enterprise storage capacity," it says. According to Deloitte's research, businesses will become increasingly aggressive when pursuing disputes related to copyright infringement and digital ownership rights. "If undertaking a swift launch of a product or digital application, companies should ensure that no element could lead to litigation," says the report. Despite pointing out that 2009 will be the break-out year for social networks in the business, Deloitte says that such networks will need to be developed with caution to encourage more productivity and balance control with employees' desire for privacy.

Supercharging the HVA Engineering and Maintenance Risk Assessment in the Healthcare Setting Webinar Registration Hospitals have been under close scrutiny for years to insure they evaluate and mitigate risks and exposures that could impact their ability to deliver healthcare services under all conditions. A staple of this activity is the "Hazard Vulnerability Assessment". A traditional HVA looks at specific threats within four categories (natural, technological, human and hazardous materials). While the HVA is useful for auditors looking to confirm minimum compliance, it does not properly arm the organization to assess how risk, mitigation strategies and limited capital can effectively be deployed for maximum benefit. Come hear from leaders of Deaconess Health Systems Engineering and Maintenance team on how they partnered with Virtual Corporation to execute an effective risk assessment methodology and toolkit across the DHS enterprise. Participants will see examples of innovative risk mapping and reporting methods that yield high information density in simple, understandable format. Presenters: Mark Merrill, Facility Engineer, Deaconess Health System Tom Barnett, Manager, Engineering and Maintenance, Deaconess Health System Scott Ream, President, Virtual Corporation Webinar Registration Hospitals have been under close scrutiny for years to insure they evaluate and mitigate risks and exposures that could impact their ability to deliver healthcare services under all conditions. A staple of this activity is the "Hazard Vulnerability Assessment". A traditional HVA looks at specific threats within four categories (natural, technological, human and hazardous materials). While the HVA is useful for auditors looking to confirm minimum compliance, it does not properly arm the organization to assess how risk, mitigation strategies and limited capital can effectively be deployed for maximum benefit. Come hear from leaders of Deaconess H

Visa Inc.'s top risk management executive today dismissed what she described as "recent rumblings" about the possible demise of the PCI data security rules as "premature" and "dangerous" to long-term efforts to ensure that credit and debit card data is secure. Speaking at Visa's Global Security Summit in Washington, Ellen Richey, the credit card company's chief enterprise risk officer, insisted that despite recent data breaches at two payment processors, the Payment Card Industry Data Security Standard (PCI DSS) "remains an effective security tool when implemented properly." Richey added that breaches such as the ones at Heartland Payment Systems Inc. and RBS WorldPay Inc. were shaping public opinion and obscuring what otherwise has been "substantial progress" on the security front over the past year. "I'm sure that everyone in this room has read the headlines questioning how an event of this magnitude could still happen today," Richey said, referring to the Heartland breach. "The fact is, it never should have" - and indeed wouldn't have if Heartland had been vigilant about maintaining its PCI compliance, according to Richey. "As we've said before," she continued, "no compromised entity has yet been found to be in compliance with PCI DSS at the time of a breach." Pointing to Visa's decision last week to remove both of the breached payment processors from its list of PCI-compliant service providers, Richey said that Heartland would face fines and probationary terms that were proportionate to the still-undisclosed magnitude of the breach. "While this situation is unfortunate, it does not make me question the tools we have at our disposal," she said of the PCI rules.

Forrester has a recommendation for CISOs struggling with how to secure corporate data: Stop trying so hard. Despite years of investments in technology and processes, protecting enterprise-wide data remains a maddeningly elusive goal for chief information security officers (CISOs). Software-as-a-service (SaaS), Web 2.0 technologies, and consumerized hardware increase the number of escape routes for sensitive information. Regulations, statutes, and contractual expectations drown CISOs in audit requests and ratchet up the pressure to do something about the problem. Hordes of vendors confuse CISOs with innumerable sales pitches. Instead of beating your head against the wall, devolve responsibility to the business, keeping controls closest to the people who use the data. IT security should be primarily responsible only for deploying data protection technologies that require minimal or no customization.

At last, my summer reading list is complete!

In what it described as an historic document, the National Institute for Standards and Technology issued a special report entitled Recommended Security Controls for Federal Information Systems and Organizations. Special Publication 800-53, Revision 3, is historic in nature. For the first time, and as part of a continuing initiative to develop a unified information security framework for the federal government and its contractors, NIST has included security controls in its catalog for national security and non-national security systems in its latest revision, No. 3, of Special Publication 800-53. "The important changes described (in the publication) are part of a larger strategic initiative to focus on enterprise-wide, near real-time risk management; that is, managing risks from information systems in dynamic environments of operation that can adversely affect organizational operations and assets, individuals, other organizations, and the nation," Ron Ross, NIST's Federal Information Security Management Act implementation project leader, said in a message incorporated into the 220-page report. According to the document, the updated security control catalogue incorporates best practices in information security from the Department of Defense, intelligence community and civilian agencies to produce the most broad-based and comprehensive set of safeguards and countermeasures ever developed for information systems.

Privacy & security are individual rights and responsibilities, not just corporate or governmental responsibilities. Reliance on technology is bound to fail without motivation for all involved to find mutual benefits.

Identity theft and security is always in the spotlight through the constant stream of news stories about companies losing confidential customer or client data, such as social security numbers, credit card numbers, health histories and so forth. These "breaking news" stories now seem to happen so frequently that we scarcely pay attention to them unless, of course, we are directly impacted by them. They have, however, heightened the public awareness and have even spawned new identity protection businesses. Information technology companies rightly react to this by developing new technologies to improve security and eagerly market these to CIOs as a way to protect the personal information of their customers and clients. While we should use these appropriately, we can't rely just on technology for identity protection. While some of these security incidents involve someone hacking into a system, many involve a human failing. Examples include a laptop with confidential information being lost or stolen and employees e-mailing sensitive data to their personal e-mail accounts so they can work on it from home.

If you can't measure it, you can't manage it. If you don't even know what it is...

Even IT professionals are confused about what constitutes Web 2.0, according to a survey released Wednesday by web security vendor Websense and research firm Dynamic Markets. According to the survey, of 1,300 information technology managers across 10 countries, 17 percent of respondents correctly identified all the items on the survey that can be considered Web 2.0. IT administrators commonly identified the "obvious" Web 2.0 sites -- such as the social networking sites Facebook and LinkedIn, Dave Meizlik, director of product marketing at Websense, told SCMagazineUS.com on Tuesday. They also commonly identified blogs and micro blogs, such as Twitter, as Web 2.0. But, respondents less frequently identified other sites as Web 2.0, including iGoogle and Wikipedia, Meizlik said. Only half of respondents identified video uploading sites, such as YouTube, as part of Web 2.0, the survey found. David Lavenda, vice president of marketing and product strategy at security vendor Worklight, told SCMagazineUS.com on Wednesday that IT administrators know they need to secure the enterprise from Web 2.0 threats, but are not always sure what those threats are. "When you go to organizations where security is really important -- financial and government organizations -- and ask, 'What's your fear of Web 2.0?,' they say, 'I really don't know, but we hear enough stories of people being compromised that we don't want to take a chance.' That's the most common answer." Lavenda said.

Consumer Watchdog has sent the U.S. Justice Department a Google document presenting the best corporate arguments for why Google should not be viewed as monopolistic, along with a duplicate of the presentation marked up with comments from an expert countering the claims. The nonprofit consumer group received both documents from an anonymous industry insider. In the presentation, Google seeks to deflate increasing criticism that it is too big and powerful by spin meant to minimize the notion its search and advertising businesses are virtual monopolies. Commentary surrounding the presentation in the second document delivered to Consumer Watchdog presents information countering Google's contentions in what is described as a "Charm Offensive." "As the Justice Department examines the Google book deal and other Google enterprises it deserves to see the play book Google has prepared to deflect scrutiny and insider commentary on how many Google myths lack a basis in reality," said Consumer Watchdog President Jamie Court. "Google's charm and spin should not be allowed to deter anti-trust regulators from seeing the real problems with Google's dominance and setting appropriate limits to protect users."

You can't ignore the presence and usage of all the myriad forms of instant messaging, social networking and blogging. The millennial generation won't thrive in companies where Facebook is banned or texting is frowned upon. They think and work so differently from their baby boomer managers that generational clashes are inevitable. The Security Executive Council and CXO Media, producer of CSO Perspectives and CSO magazine, are partnering to probe attitudes toward collaborative technologies like IM and social networking. By participating you will receive a research report based on this survey. Definition of web 2.0 apps: The term "Web 2.0" describes the changing trends in the use of World Wide Web technology and web design that aim to enhance creativity, communications, secure information sharing, collaboration and functionality of the web. Web 2.0 concepts have led to the development and evolution of web culture communities and hosted services, such as social-networking sites, video sharing sites, wikis, blogs, and folksonomies. (Wikipedia)

In a little more than three years, Twitter has become "the SMS of the Internet" for millions of people. Many find it a useful and productive form of communication, but recent attacks against the service and its users have highlighted the potential dangers of Twitter and other social networking sites. Enterprises have had to tackle not only the productivity and privacy issues associated with Twitter, but also a number of direct security threats. Unfortunately, the success of microblogging sites like Twitter relies on the same elements of human nature as social engineering attacks, particularly a natural desire and willingness to share and engage with those we trust. Most people have learned not to open attachments or links in emails from people they don't know. Yet because Twitter is seen as a friendly, group-based service, many will not hesitate to click on a shortened Twitter link, having no clue as to where it will take them.

"Hackers can use maliciously rigged PDF files to hack into corporate systems hosting the BlackBerry Attachment Service, according to a warning from the makers of the popular smartphone. Research in Motion (RIM) issued an advisory with patches for multiple flaws in the PDF distiller service and warned and an attacker could exploit the issues by simply e-mailing a booby-trapped PDF file to a BlackBerry user. The vulnerabilities exist in the PDF distiller of some released versions of the BlackBerry Attachment Service component of the BlackBerry Enterprise Server:"