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NEW QUESTION: 1
Which of the following is a risk that is higher when an electronic funds transfer EFT system is used?
A. Improper change control procedures.
B. Unauthorized access and activity.
C. Inadequate bad -ups and disaster recovery procedures.
D. Insufficient online edit checks.
Answer: B
Explanation:
Unauthorized access to money transfer activities or data is an inherent and unique risk of EFT systems. An unauthorized person may attempt to read, alter, or delete information in data files or to enter authorized fund transfers. Hence, in the financial services industry, protection of confidential customer transactions is especially important. Moreover, unauthorized transfers subject a financial institution to a direct risk of serious loss.


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