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	<title>Risk Management and Compliance&#187; PCI</title>
	<atom:link href="http://blog.kraasecurity.com/category/pci/feed/" rel="self" type="application/rss+xml" />
	<link>http://blog.kraasecurity.com</link>
	<description>Risk Assessment, Vulnerabilities, Website Security</description>
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		<title>What are the features you need a Windows Security Host Diagnostic tool?</title>
		<link>http://blog.kraasecurity.com/2010/04/01/what-are-the-features-you-need-a-windows-security-host-diagnostic-tool/</link>
		<comments>http://blog.kraasecurity.com/2010/04/01/what-are-the-features-you-need-a-windows-security-host-diagnostic-tool/#comments</comments>
		<pubDate>Fri, 02 Apr 2010 00:56:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Compliance]]></category>
		<category><![CDATA[Could Computing]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[Managed Security]]></category>
		<category><![CDATA[PCI]]></category>
		<category><![CDATA[risk assessment]]></category>
		<category><![CDATA[Federal Information Security Management Act of 2002]]></category>
		<category><![CDATA[Health Insurance Portability and Accountability Act]]></category>
		<category><![CDATA[Operating system]]></category>
		<category><![CDATA[Policy]]></category>

		<guid isPermaLink="false">http://blog.kraasecurity.com/?p=207</guid>
		<description><![CDATA[Image via Wikipedia There is a lot of focus on network security and application security today. Years ago it was operating system security that was all the rage. But with the advent of the strict requirements of some of the regulations such as HIPAA, PCI, SOX, and FISMA, more attention needs to be paid to [...]]]></description>
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<dl class="wp-caption alignright" style="width: 83px; height: 29px;">
<dt class="wp-caption-dt"><a href="http://en.wikipedia.org/wiki/Image:Windows_7.png"><img title="Windows 7 is the latest stable Windows operati..." src="http://upload.wikimedia.org/wikipedia/en/thumb/b/bd/Windows_7.png/300px-Windows_7.png" alt="Windows 7 is the latest stable Windows operati..." width="79" height="51" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image via <a href="http://en.wikipedia.org/wiki/Image:Windows_7.png">Wikipedia</a></dd>
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<p>There is a lot of focus on network security and application security today. Years ago it was <strong><a title="host security assessment" href="http://www.kraasecurity.com/consulting-services/network-solutions/host-security-assessment">operating system security</a></strong> that was all the rage. But with the advent of the strict requirements of some of the regulations such as <strong><a title="Hipaa security" href="http://www.kraasecurity.com/compliance/hipaa-assessment">HIPAA</a></strong>, <strong><a title="PCI security" href="http://www.kraasecurity.com/compliance/PCI-Assessment">PCI</a></strong>, SOX, and <a class="zem_slink freebase/en/federal_information_security_management_act_of_2002" title="Federal Information Security Management Act of 2002" rel="wikipedia" href="http://en.wikipedia.org/wiki/Federal_Information_Security_Management_Act_of_2002">FISMA</a>, more attention needs to be paid to the operating system. As <a class="zem_slink freebase/en/microsoft_windows" title="Windows" rel="homepage" href="http://www.microsoft.com/WINDOWS">Windows</a> is still dominant, what are some of the features you need to be concerned with in an application?</p>
<p>Some key feature of a <a title="windows security assessment" href="http://www.kraasecurity.com/consulting-services/network-solutions/host-security-assessment"><strong>host security assessment</strong> </a>tool are: </p>
<ol>
<li>Ability to quickly audit</li>
<li>Ability to inventory</li>
<li>Structure for classification of components</li>
<li><strong><a title="patch management" href="http://www.kraasecurity.com/consulting-services/network-solutions/security-architecture-analysis">Patch management</a></strong> of course</li>
<li>Ability to baseline and report against the baseline</li>
<li>Templates of the regulatory requirements</li>
<li>Templates of different levels of security configurations</li>
<li><a title="threat assessment" href="http://www.kraasecurity.com/consulting-services/network-solutions/vulnerability-assessment"><strong>Threat identification</strong> </a>and classification</li>
<li>User management</li>
<li>Port security assessment and management</li>
<li>Service and process analysis</li>
</ol>
<p>A baseline configuration for <strong><a title="operating system security" href="http://www.kraasecurity.com/consulting-services/network-solutions/host-security-assessment">operating system security</a></strong>, cover things such as patch levels, ports, services, processes, logging, policy settings and user configuration, should be the first step for any company in host security assessment and diagnostics. If you build from scratch, or don’t use a secure template, you will always be in trouble. Timely updates and reconfiguration of your baseline is necessary.</p>
<p>Your operating system like your <strong><a title="Network security" href="http://www.kraasecurity.com/consulting-services/network-solutions/vulnerability-assessment">network security</a></strong> should match your corporate business practices and procedures. <strong><a title="policy development" href="http://www.kraasecurity.com/consulting-services/network-solutions/policy-development">Policies</a></strong> should be in place for this of course.  Over time you should be able to benchmark your <strong>host security</strong> problems, solutions and changes.</p>
<p>Gary Bahadur</p>
<p><strong><a href="http://www.kraasecurity.com/">http://www.kraasecurity.com</a></strong></p>
<p><strong><a href="http://blog.kraasecurity.com/">http://blog.kraasecurity.com</a></strong></p>
<p><strong><a href="http://twitter.com/kraasecurity">http://twitter.com/kraasecurity</a></strong></p>
<p><em><strong>Address</strong></em><em>: 200 Se 1st St #601 Miami FL 33131</em></p>
<p>*Managed Security Services</p>
<p>*Vulnerability Management</p>
<p>*Compliance &amp; Policy Development</p>
<p>*<strong><a title="PGP " href="http://www.kraasecurity.com/products/PGP-Enterprise-Products">PGP Security</a></strong></p>
<p>*FREE Website Security Test </p>
<h6 class="zemanta-related-title" style="font-size: 1em;">Related articles by Zemanta</h6>
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<li class="zemanta-article-ul-li"><a href="http://web2.sys-con.com/node/1261691">Security vs. Compliance in the Cloud</a> (web2.sys-con.com)</li>
<li class="zemanta-article-ul-li"><a href="http://blogs.technet.com/keithcombs/archive/2010/02/11/security-compliance-manager-beta-signup-now-available.aspx">Security Compliance Manager &#8211; beta signup now available</a> (blogs.technet.com)</li>
</ul>
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		<title>Washington State implements PCI law</title>
		<link>http://blog.kraasecurity.com/2010/03/30/washington-state-implements-pci-law/</link>
		<comments>http://blog.kraasecurity.com/2010/03/30/washington-state-implements-pci-law/#comments</comments>
		<pubDate>Tue, 30 Mar 2010 18:56:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Compliance]]></category>
		<category><![CDATA[Could Computing]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[PCI]]></category>
		<category><![CDATA[Security Assesment]]></category>
		<category><![CDATA[risk assessment]]></category>
		<category><![CDATA[Data security]]></category>
		<category><![CDATA[Minnesota]]></category>
		<category><![CDATA[Payment Card Industry Data Security Standard]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://blog.kraasecurity.com/?p=214</guid>
		<description><![CDATA[Image via Wikipedia PCI laws are expanding around the country. Washington State is the latest to add a law to their books. Washington state follows Nevada and Minnesota in implementing Payment Card Industry Data Security Standard (PCI), the law is HB 1149. It changes the breach notification law they already had on the books. The [...]]]></description>
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<div>
<dl class="wp-caption alignright" style="width: 57px; height: 44px;">
<dt class="wp-caption-dt"><a href="http://en.wikipedia.org/wiki/Image:The_Washington_State_Capital.jpg"><img title="The Washington State Capitol. Taken from The J..." src="http://upload.wikimedia.org/wikipedia/en/thumb/7/75/The_Washington_State_Capital.jpg/300px-The_Washington_State_Capital.jpg" alt="The Washington State Capitol. Taken from The J..." width="96" height="84" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image via <a href="http://en.wikipedia.org/wiki/Image:The_Washington_State_Capital.jpg">Wikipedia</a></dd>
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</div>
<p><strong>PCI</strong> laws are expanding around the country. <a class="zem_slink freebase/en/washington" title="Washington" rel="geolocation" href="http://maps.google.com/maps?ll=47.5,-120.5&amp;spn=3.0,3.0&amp;q=47.5,-120.5 (Washington)&amp;t=h">Washington</a> State is the latest to add a law to their books. Washington state follows <a class="zem_slink freebase/en/nevada" title="Nevada" rel="geolocation" href="http://maps.google.com/maps?ll=39.0,-117.0&amp;spn=3.0,3.0&amp;q=39.0,-117.0 (Nevada)&amp;t=h">Nevada</a> and <a class="zem_slink freebase/en/minnesota" title="Minnesota" rel="geolocation" href="http://maps.google.com/maps?ll=46.0,-94.0&amp;spn=3.0,3.0&amp;q=46.0,-94.0 (Minnesota)&amp;t=h">Minnesota</a> in implementing <strong>Payment Card Industry Data Security Standard (PCI)</strong>, the law is <strong>HB 1149</strong>. It changes the <a href="http://apps.leg.wa.gov/Rcw/default.aspx?cite=19.255.010">breach</a> notification law they already had on the books. The key point is that it allows issuing banks a method of collecting the costs to reissue <a class="zem_slink freebase/en/payment_card" title="Payment card" rel="wikipedia" href="http://en.wikipedia.org/wiki/Payment_card">payment cards</a> after a breach.</p>
<h3>Organizations who must abide by the law</h3>
<p>It defines “business(es)” as merchants processing more than six million cards and sell to Washington state residents.  “Processors” manage account information for others and “vendors” sell software or equipment that processes, transmits or store account information.  Account information can is not so clearly defined. It will be interesting to see how companies outside of the state are affected. <a title="pci assessment" href="http://www.kraasecurity.com/compliance/PCI-Assessment">PCI Security Assessments </a>are going to become even more prevelant.</p>
<h3>How is the law implemented?</h3>
<p>Entities that fall under the law are required to provide reasonable security measures. They can be liable for damage and if they have to reimburse their banks for reissuance of card, that can get very expensive.  The law should probably have been more clear on this point</p>
<p>Determining a breach has been defined as “unauthorized acquisition of computerized data that compromises the security, confidentiality, or integrity of personal information maintained by the person or business.”  There is the possibility of confusion between account information and personal information. That will probably cause problems in the future lawsuits. <strong><a title="PGP Encrytion" href="http://www.kraasecurity.com/products/PGP-Enterprise-Products">Encryption</a></strong> is also going to be a challenge in the implementation and review for compliance requirements.</p>
<p>How this law integrates or conflicts with PCI requirements will news worthy. The different levels of <strong>PCI compliance</strong> and the levels identified by the law are now completely consistent. Can <strong><a title="pci saq assessment" href="http://www.kraasecurity.com/compliance/PCI-Assessment">PCI SAQ assessment</a></strong> be enforced by the law? Can you be PCI compliant and not compliant with the law, or vice versa? I would venture to say yes.</p>
<p>If only we have a National Standard for all of this. Wouldn’t that be a progressive move?</p>
<p>Gary Bahadur</p>
<p><strong><a href="http://www.kraasecurity.com/">http://www.kraasecurity.com</a></strong></p>
<p><strong><a href="http://blog.kraasecurity.com/">http://blog.kraasecurity.com</a></strong></p>
<p><strong><a onclick="javascript:pageTracker._trackPageview('/outbound/article/twitter.com');" href="http://twitter.com/kraasecurity">http://twitter.com/kraasecurity</a></strong></p>
<p><strong><em>Address</em></strong><em>: 200 Se 1st St #601 Miami FL 33131</em></p>
<p>*Managed Security Services</p>
<p>*<a title="vulnerability assessment" href="http://www.kraasecurity.com/consulting-services/network-solutions/vulnerability-assessment">Vulnerability Management</a></p>
<p>*Compliance &amp; Policy Development  </p>
<p>*<a title="pgp Security" href="http://www.kraasecurity.com/products/PGP-Enterprise-Products">PGP Security</a></p>
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		<title>What is the value of a Data Breach?</title>
		<link>http://blog.kraasecurity.com/2010/01/27/what-is-the-value-of-a-data-breach/</link>
		<comments>http://blog.kraasecurity.com/2010/01/27/what-is-the-value-of-a-data-breach/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 02:33:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Compliance]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[Hacking News]]></category>
		<category><![CDATA[PCI]]></category>
		<category><![CDATA[Security Assesment]]></category>
		<category><![CDATA[Citibank]]></category>
		<category><![CDATA[Data Breach]]></category>
		<category><![CDATA[Health Insurance Portability and Accountability Act]]></category>
		<category><![CDATA[Ponemon Institute]]></category>
		<category><![CDATA[Pretty Good Privacy]]></category>

		<guid isPermaLink="false">http://blog.kraasecurity.com/?p=174</guid>
		<description><![CDATA[Image by Getty Images via Daylife SC magazine just reported that the Ponemon Institute has determined the cost of a data breach is $204 per record. &#8220;Data breaches last year cost organizations $204 per exposed record on average, which represents an almost two percent increase over 2008, according to the fifth annual &#8220;Cost of  Data [...]]]></description>
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<dt class="wp-caption-dt"><a href="http://www.daylife.com/image/0fcc5b451yfWd?utm_source=zemanta&amp;utm_medium=p&amp;utm_content=0fcc5b451yfWd&amp;utm_campaign=z1"><img title="NEW YORK - MAY 20:  In this photo illustration..." src="http://cache.daylife.com/imageserve/0fcc5b451yfWd/150x100.jpg" alt="NEW YORK - MAY 20:  In this photo illustration..." width="150" height="100" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image by <a href="http://www.daylife.com/source/Getty_Images">Getty Images</a> via <a href="http://www.daylife.com/">Daylife</a></dd>
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<p>SC magazine just reported that the <a class="zem_slink" title="Ponemon Institute" rel="homepage" href="http://www.ponemon.org/">Ponemon Institute</a> has determined the cost of a <a title="Data breach, data loss prevention" href="http://www.kraasecurity.com/consulting-services/network-solutions/data-loss-prevention-assessment">data breach </a>is $204 per record. &#8220;Data breaches last year cost organizations $204 per exposed record on average, which represents an almost two percent increase over 2008, according to the fifth annual &#8220;<strong>Cost of  Data Breach</strong>&#8221; study released on Monday by the Ponemon Institute&#8230;  The study, which examined the experiences of 45 U.S. companies that suffered breaches last year, also found that the number of data breaches that were caused by malicious attacks and botnets doubled from 12 percent in 2008 to 24 percent  in 2009. In addition, data breaches caused by malicious attacks cost organizations 30 to 40 percent more on average than those caused by human negligence or by IT system glitches.&#8221; There are a number of ways to protect your data in transit such as <a title="PGP Encryption, Email Encryption" href="http://www.kraasecurity.com/products/PGP-Enterprise-Products"><strong><span style="color: #888888;">PGP Encryption</span></strong> </a>but when the companies looses data, there isnt much the end user can do to protect themselves.</p>
<p>Thats a lot of money. If we look at the data breach of Heartland, which was over 100 million records, that, well let me do the math, may take a minute. Its $20,400,000,000. Thats a lot of money. Condidering I was a shopper mostlikely of Heartland, I do not recall getting a check from anyone for $204. I will not hold my breath for that. We all asked if the retailers like Heartland and <a class="zem_slink freebase/en/tj_maxx" title="T.J. Maxx" rel="homepage" href="http://www.tjmaxx.com/">TJ Max</a> had a <a title="PCI Audit" href="http://www.kraasecurity.com/compliance/PCI-Assessment">PCI Audit</a> done. Would this have protected our information?</p>
<p>So far, I am pretty sure I recieved a letter offering me free 2 year credit monitoring from Chase, <a class="zem_slink freebase/en/citibank" title="Citibank" rel="homepage" href="http://www.citibank.com/">Citibank</a>, Bank of America and Countrywide because thet lost my records. I am waiting for my check for $204 from each of those companies. Also, over the past few years I have had to have my <a class="zem_slink freebase/en/credit_card" title="Credit card" rel="wikipedia" href="http://en.wikipedia.org/wiki/Credit_card">credit cards</a> replaced with Chase, American Express, and several Visa versions. So I am still waiting for those $204 checks. Maybe in total I am owed about 9x$204=$1,836.  That will be a nice check when I get it.</p>
<h2>Security Requirements</h2>
<p>So what can a company do to help reduce these data breaches? The easy answers, yet not implemented, include:<br />
1) <a title="Encryption, PGP Encryption" href="http://www.kraasecurity.com/products/PGP-Enterprise-Products">Encryption</a> of <a title="data backup" href="http://www.kraasecurity.com/products/yotta280">back-up data </a>and tapes<br />
2) Conduct yearly <a title="Vulnerability Assessment" href="http://www.kraasecurity.com/consulting-services/network-solutions/vulnerability-assessment">Vulnerability Assessments </a><br />
3) Conduct Quarterly or Monthly <a title="Vulnerability Scanning" href="http://www.kraasecurity.com/consulting-services/network-solutions/vulnerability-assessment">Vulnerability Scanning</a><br />
4) Implement a <a title="Data loss prevention " href="http://www.kraasecurity.com/consulting-services/network-solutions/data-loss-prevention-assessment">Data loss prevention solution</a><br />
5) Go through a <a title="PCI Audit" href="http://www.kraasecurity.com/compliance/PCI-Assessment">PCI Audit </a>or <a title="HIPAA Assessment" href="http://www.kraasecurity.com/compliance/hipaa-assessment">HIPAA Security Assessment </a>yearly</p>
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<li class="zemanta-article-ul-li"><a href="http://www.v3.co.uk/v3/news/2256886/breach-costs-continue-rise">Data breach costs continue to rise</a> (v3.co.uk)</li>
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<li class="zemanta-article-ul-li"><a href="http://www.v3.co.uk/v3/news/2256724/breach-numbers-fall-while-costs">Breach numbers fall while costs rise Ponemon study finds</a> (v3.co.uk)</li>
<li class="zemanta-article-ul-li"><a href="http://it.slashdot.org/story/10/03/15/1227223/Humans-Continue-To-Be-Weak-Link-In-Data-Security?from=rss">Humans Continue To Be &#8216;Weak Link&#8217; In Data Security</a> (it.slashdot.org)</li>
<li class="zemanta-article-ul-li"><a href="http://pindebit.blogspot.com/2010/01/cost-of-data-breach-204-per-record.html">Cost of a Data Breach &#8211; $204 per record</a> (pindebit.blogspot.com)</li>
<li class="zemanta-article-ul-li"><a href="http://online.wsj.com/article/SB10001424052748704541004575011113352790040.html">Private Sector Keeps Mum on Cyber Attacks</a> (online.wsj.com)</li>
</ul>
<p>Regards<br />
Gary Bahadur</p>
<p><a href="http://www.kraasecurity.com/">http://www.kraasecurity.com</a></p>
<p><a href="http://blog.kraasecurity.com/">http://blog.kraasecurity.com</a></p>
<p><a onclick="pageTracker._trackPageview('/outbound/article/twitter.com');" href="http://twitter.com/kraasecurity">http://twitter.com/kraasecurity</a><br />
<a href="http://www.kraasecurity.com/managed-services/intrusion-defense/firewall" target="_blank">Managed Firewall</a><br />
<a href="http://www.kraasecurity.com/managed-services/vulnerability-defense/internal-external-scanning" target="_blank">Managed Vulnerability Scanning</a></p>
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		<title>Data Loss, this time with Network Solutions</title>
		<link>http://blog.kraasecurity.com/2009/07/27/data-loss-this-time-with-network-solutions/</link>
		<comments>http://blog.kraasecurity.com/2009/07/27/data-loss-this-time-with-network-solutions/#comments</comments>
		<pubDate>Mon, 27 Jul 2009 16:55:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Hacking News]]></category>
		<category><![CDATA[PCI]]></category>
		<category><![CDATA[Security Assesment]]></category>
		<category><![CDATA[Web Security]]></category>
		<category><![CDATA[malware]]></category>
		<category><![CDATA[data loss]]></category>
		<category><![CDATA[network solutions]]></category>
		<category><![CDATA[stolen data]]></category>

		<guid isPermaLink="false">http://blog.kraasecurity.com/2009/07/27/data-loss-this-time-with-network-solutions/</guid>
		<description><![CDATA[Data Loss, this time with Network Solution Network Solutions, one of the largest domain registrars recently announced a data breach. Malicious code was found on its e-commerce server which may have captured transactions from thousands of websites and capturing half a million or more credit cards. The company said they found the code during a [...]]]></description>
			<content:encoded><![CDATA[<h1>Data Loss, this time with Network Solution</h1>
<p>Network Solutions, one of the largest domain registrars recently announced a <strong>data breach</strong>. Malicious code was found on its e-commerce server which may have captured transactions from thousands of websites and capturing half a million or more credit cards. The company said they found the code during a routine check. Since the breach occurred between March 12 and June 8th, how routine was the actual checks? I wonder when their last vulnerability assessment or <a href="http://www.kraasecurity.com/">Information security risk assessment</a> was conducted? Data loss prevention is sorely lacking in just about every industry.</p>
<p>Here is what the company said &#8220;At this point, we have no reports or other reasons to believe that any credit card account information has been misused and, under established practice, credit card issuing companies generally will not hold our merchants’ customers liable for any fraudulent purchases made using their credit card account numbers that are reported in a timely way to the issuer,&#8221; a statement from the company reads. All these statements around <strong>hacker breaches </strong>and <strong>stolen credit cards </strong>read the same.</p>
<p>The process now begins where all the merchants have to be identified, then each merchant has to notify their customers. Their customer then have to work with their banks to stop credit cards, have to get credit monitoring and thus goes the Circle of Life (of data breaches) Here is the list of <a href="http://www.privacyrights.org/ar/ChronDataBreaches.htm#2009">data breaches</a> in 2009 alone. If you recall the breaches of Heartland Payment Systems and RBS WorldPay, the breachescaused them to be removed from the <a href="http://www.kraasecurity.com/compliance/pci">PCI security audit</a> () list . Well that should be obvious, or should they have been rated compliant int he first place. Known non-compliance might be a better than weak compliance.</p>
<p>The basic question is what was Network Solution not doing to have malicious software installed on key servers? Was it a breach through a web application, was it through malicious email, a browser based attack, some insider who didn&#8217;t know enough about security and clicked on the wrong thing? What routine check found it and why wasn&#8217;t this check run on a more routine basis, such as weekly or even daily?</p>
<p>At the end of the day, security is a moving target. We can utilize encryption, vulnerability management, <a href="http://www.kraasecurity.com/consulting-services/application-solutions/application-security-assessment">application security risk assessment</a>, <strong>email filtering, backup and recovery</strong>, but all will be useless is we follow poor practices or do not have good procedures in place to take into account the human element. Most breaches are insider problems or mis-configurations or plain old stupidity.</p>
<p>Gary Bahadur<br />
<a href="http://www.kraasecurity.com/">http://www.kraasecurity.com</a></p>
<p>http://blog.kraasecurity.com</p>
<p>*Managed Security Services<br />
*Vulnerability Management<br />
*Compliance &amp; Policy Development<br />
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