ࡱ> ce`ab3bjbjVV S<<'\ 4 (555$YYYPLYj4CYY $  iiiiiiiloLi5!d " !!i55YY i###!5Y5Yi#!i##Oc4;iYucAYp"e>ii0jezod#^o|;i;i8o5si4 L!6#L!,x!p ii# j!!!!o :  CENTRALE BANK VAN CURAAO EN SINT MAARTEN (Central Bank) IT Questionnaire For Provisions and Guidelines for Safe and Sound Electronic Banking ___________________  WILLEMSTAD, Updated version April 2011  Purpose: The purpose of the IT Questionnaire for Provisions and Guidelines of E-Banking (hereafter Questionnaire) is to evaluate the adequacy of IT related controls in place at your institution with regard to E-Banking. Structure of the FIIQ: The questions in this questionnaire are formulated in such a manner that they may be answered: Yes, if the relevant control is in place; or No, if the relevant control is not in place; or N/A, if a particular question does not apply. Where such is required, explanations should be provided in the Comments. If the space is not sufficient, a separate annex should be used. Note that all questions answered with N/A should be explained in the Comments column. There are, however, some Yes responses that may need further clarification. In those instances the Comments column should also be used. The questionnaire has to be returned within four weeks of the date of the covered letter. An electronic version must also be sent to the Centrale Bank van Curaao en Sint Maarten (the Bank), zipped and protected by a password, to the IT-Auditor in charge, Mr. Carolus Walters, by sending an email to HYPERLINK "mailto:c.walters@centralbank.an"c.walters@centralbank.an . Restriction of use: This questionnaire is intended solely for the information and use by the management of the supervised institution (client) and the Bank. Questions: Questions regarding the questionnaire should be directed to the Information Management & Risk Assessment (IM&RA) Department at: 434-5628. Contact person: Please provide the following data of your institutions contact person. Name: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Position: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Telephone number: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E-mail address: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . QuestionYesNoN/AComments Risk Management A.1 Does your institution have a comprehensive risk management framework in place to continuously:Identify threats and vulnerabilities?Evaluate internal controls to control any risk exposure?Monitor risks arising from its e-banking activities?A.2 Does the supervisory board and senior management (or a designated committee) has oversight over the risk management process?A.3 Does your institution has adequate staff with the necessary knowledge and skills to deal with the technical complexities of e-banking?A.4 Are formal information security policies and procedures available which include e-banking activities?A.5 Are the risk management and e-banking activities audited (internally or externally) at least every three years? Please indicate in the comments column when was the last time it was audited. QuestionYesNoN/AComments Risk mitigating counter measures B.1 Does your institution have an authentication procedure in use to validate the identity of your e-banking customers when applying for an internet account or bank cards?B.2 Does your institution use multi-factor authentication for internet banking: When the user logs on to the banking system; andWhen the user wants to make a transaction.B.3 Has your institution implemented cryptographic technologies to maintain confidentiality and integrity of sensitive information: While it is being transmitted over the internet; andWhen it is stored inside database systems.B.4 Are your institutions ATM machines protected by anti skimming software?B.5 Are all default passwords of intelligent electronic devices and systems changed when implemented?B.6 Are all intelligent electronic devices and systems bought through proper professional channels?B.7 Are your institutions e-banking internet applications tested against common techniques that fraudsters use to break into the credit institutions server by misleading its application. E.g.: SQL injection; cookie poisoning/tempering; cross site scripting; and entering programming code into fields that lack input validation. QuestionYesNoN/AComments B.8 Is your institutions e-banking infrastructure proactively monitored on an ongoing basis to detect and record any security breaches such as suspected intrusions?B.9 Are the following policy and procedures in place and approved by management?Information security policy;Network security procedures;Server security procedures;Physical security procedures;Disaster recovery procedures;Backup and recovery procedure;Change management procedure;Patch management procedure;Security monitoring procedure; andAnti-Virus update procedure.B.10 Are the external accessible servers placed in a de-militarized zone?B.11 Are critical hosts protected with intrusion detection systems?B.12 In case your institution has outsourced or depends on third-parties with regard to its e-banking systems and services:Are all outsourced e-banking systems and operations subject to risk management, security and privacy policies that meet your institutions own standards? Does your institution maintain control over the service provided through a Service Level Agreement? Does the Service Level Agreement include the right to perform an independent assessment to check on operational procedures regarding risk management, security and privacy policies?  QuestionYesNoN/AComments B.13 Does your institution has (at least) the following procedures in place for maintaining its web site:That only authorized staff is allowed to update or change information on the web site?That updates of critical information (e.g. interest rates) are subject to dual verification?That procedures are implemented to verify the accuracy and content of website information and links to: other websites; any financial planning software; calculators; and other interactive programs available to customers.That links to external web sites include a disclaimer that the customer is leaving the financial institutions site and provide appropriate disclosures, such as noting the extent, if any, of the banks liability for transactions or information provided at other sites?That the Internet Service Provider (ISP) has implemented a firewall to protect the financial institutions website where outsourced?That installed firewalls are properly configured and that procedures are implemented for continued monitoring and maintenance?That summary-level reports showing website usage, transaction volume, system problem logs, and transaction exception reports are made available to the institution by the web administrator?B.14 Does your institution comply with the following?All e-banking transactions should generate clear audit trails, which should be archived and kept for 10 years; ATM video surveillance recordings should be archived for at least 6 months. QuestionYesNoN/AComments B.15 Has your institution established fraud detection application controls that could prompt additional checking of suspicious activity such as:Unusual volume or size of funds transfers?Large deposits on new e-banking accounts?Multiple new accounts with similar account information or originating from the same internet address?Unusual account activity initiated from a foreign internet address?B.16 Has your institution implemented a formal incident response and management procedure for timely reporting and handling of suspected or actual security breaches, fraud, or service interruptions of their e-banking services?B.17 Does your institution make use of alternate channel confirmation such as the telephone, e-mail, or traditional mail in any of the following:Enrollment of a new on-line service;Large funds transfers;User account maintenance changes; Suspicious account activity e.g. erroneous login on user account and reactivation of user account.B.18 Does your institution has policies/procedures in place to at least:Ensure the security and confidentiality of customer records and information?Protect customers against any anticipated threats or hazards to the security or integrity of such records?Protect customers against unauthorized access to or use of such records or information that could result in substantial harm or inconvenience ?QuestionYesNoN/AComments B.19 Does your institution have policies /procedures in place for e-banking cross-border transactions to comply with:Detection and Deterrence of Money Laundering and Terrorist Financing?Foreign Exchange Regulations?Principles and recommendations for cross-border e-banking activities outlined by the Basel Committee?B.20 Does your institution give security precautionary advice to customers on at least the following issues:Password and user ID selection and protection, e.g., not to select passwords incorporating such info as birthday and to avoid using the same password for accessing other online services and to change password periodically?Not to disclose their personal information to anyone?Never to write down their PIN number?To cover their hands when typing at POS systems?To be aware of phishing e-mails?To ensure that their pcs are securely protected by a personal firewall and updated anti-virus software?B. 21 Has your institution placed a notification in a prominent and conspicuous location on or at ATMs and or POS, if any fee is imposed for providing host transfer services?  A transaction can be one payment or a batch of payments  In this case sensitive information means user-ids, passwords, pin-code, answers to secret questions  Cyber criminals tend to sell manipulated devices (even ATM machines) for favorable prices.  Servers that internet users connect to.  E-mail notification after mentioned e-banking activities are adequate detective controls against man-in-the-middle attacks and other forged use of customer e-banking accounts. The Bank prefers sending an e-mail notification after any money transfer (and not only large money transfers).  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