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Over the past 10 years I have watched and actively participated in setting up various delivery channels at credit unions. Today, credit unions have branches, telephone banking, call centers, online banking, text banking and mail banking. Ultimately, each of these have required credit unions to invest time and money in building specific technology to support the services (other than the mail). With the benefits of these new services has also come additional risk. Each new channel has exposed additional elements around you that are trying to commit fraud against your credit union. Credit unions have reacted by layering on various types of security to deal with the variety of threats unique to each channel. It is a constant evolutionary challenge to stay one step ahead and simultaneously enhance the choices for consumers.

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Tonya Knudesn

Credit Union Times

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