Emerging cyber threats share a familiar root cause

Whether in banking or energy, most cyber breaches start with human error

Ask a bank’s chief risk officer what keeps them awake at night, and surprisingly few of the worries on the list they rattle off will be financial risks. Likewise, a senior risk manager at a clearing house – institutions whose raison d’être is to manage and mitigate default risk – recently confided that he spends “most, if not all” of a typical day worrying about non-default risks.

Perhaps there’s an inherent bias at work here: risk managers worry less about the financial risks they spend their

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