1. Authentication 2. Agenda 3. AnyBank.com Customer 4. Dear OtherBank customer 5. Trojan teens arrested . . . 6. Why Amend Regulatory Expectations? 7. Why Should Bankers Care . . .? 8. Who Does The Guidance Apply To? 9. Assessing Risks and Controls 10. Defining Terms 11. Understanding Inherent Risks 12. Identifying Threats 13. Assessing Controls 14. Assessing Controls - cont. 15. Addressing the Risk Exposure 16. Customer Awareness 17. WashingtonPost.com 18. Customer Awareness Program 19. Questions