'... Establishing stronger business processes related to security "may not be sexy and not technical," but it's crucial in fighting attacks on networks, Richey said. "These breaches are happening because of failures in business processes and basic access controls."...'
http://www.americanbanker.com/news/bank-technology/visa-fed-execs-shine-a-light-into-data-securitys-weakest-seams-1079999-1.html