SAN DIEGO – More than 300 malware programs are created every single day.

And if that isn't bad enough, cybercriminals have created such a strong business environment, they sell service level agreements with each program, providing a money back guarantee if the malware doesn't work or is detected by anti-virus software within a set period of time.

Roger Cressey, former member of the National Security Council, delivered that sobering news to his general session audience Tuesday at the Mortgage Bankers Association Annual Conference at the San Diego Convention Center.

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