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12 layers accessed on 17 Act Release April 2005 April attacks best practice brokers or dealers capital markets Centralized Depository computer system computing and grid consumer criminal Customer Identification Programs cyber-attacks Denial-of-service attacks Dinh discussion forums e-brokerage e-brokering e-finance E-fraud e-mail Electronic Safety environment Euros Exchange financial information financial institutions financial sector financial services Flewitt Glaessner GLBA Gramm-Leach-Bliley Act grid computing H&R Block Hacker high returns implementation increased Information Security infrastructure innovations Internet Investment Scams issued Kellermann manipulated Online Trading operational risks passwords pervasive or diffuse provides pumping and dumping regulations regulatory Research Working Paper risks and vulnerabilities safeguards safeguards program safety and soundness Sarbanes-Oxley Act Securities Fraud securities market senior management settlement steal Straight Through Processing today's transactions U.S. Financial unsophisticated investors Valerie McNevin wireless WLAN World Bank York Mercantile York Mercantile Exchange Yumi Nishiyama