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|Unmistakably, what led to the release of the FFIEC supplement was the introduction of advanced malware that has created an increasingly hostile online banking environment. Sophisticated malware has become the primary attack tool used by online banking fraudsters to execute account takeover, steal credentials and personal information, and initiate fraudulent transactions. To address emerging threats, the FFIEC requires organizations to continuously perform risk assessments as new information becomes available, adjust control mechanisms as appropriate in response to these changing threats and implement a layered approach to security. Consequently, financial organizations need to select solutions that are able to identify emerging threats, address their impact and apply layered security that can quickly adapt to the ever-changing threat landscape.|