FFIEC CAT App C Glossary DRAFT 06_15_15

Appendix C: Glossary
Administrator privileges: Allow computer system-access to resources that are unavailable to
most users. Administrator privileges permit execution of actions that would otherwise be
restricted. Source: NSA/CSS Confidence in Cyber Space
Air-gapped environment: Security measure that isolates a secure network from unsecure
networks physically, electrically, and electromagnetically. Source: FFIEC Joint Statement Destructive Malware
Anomalous activity: The process of comparing definitions of what activity is considered normal
against observed events to identify significant deviations. Source: NIST: SP 800-94
Antivirus/Antimalware software: A program that monitors a computer or network to identify
all types of malware and prevent or contain malware incidents. Source: NIST Guide to
Malware Incident Prevention and Handling for Desktops and Laptops
Asset: In computer security, a major application, general-support system, high-impact program,
physical plant, mission-critical system, personnel, equipment, or a logically related group of
systems. Source: NIST: CNSSI-4009
Attack signature: A specific sequence of events indicative of an unauthorized access attempt.
Source: NIST: SP 800-12
Authentication: The process of verifying the identity of an individual user, machine, software
component, or any other entity. Source: FFIEC Information Security Booklet
Baseline configuration: A set of specifications for a system, or configuration item (CI) within a
system, that has been formally reviewed and agreed on at a given point in time, and that can
be changed only through change-control procedures. The baseline configuration is used as a
basis for future builds, releases, or changes. Source: NIST: SP 800-128
Black holing: A method typically used by ISPs to stop a DDoS attack on one of its customers.
This approach to block DDoS attacks makes the site in question completely inaccessible to
all traffic, both malicious attack traffic and legitimate user traffic. Source: NCCIC/US-CERT
DDoS Quick Guide
Border router: A device located at the organization’s boundary to an external network. Source:
NIST: SP 800-41
Buffer overflow: A condition at an interface under which more input can be placed into a buffer
or data-holding area than the capacity allocated, overwriting other information. Attackers
exploit such a condition to crash a system or to insert specially crafted code that allows them
to gain control of a system. Source: NISTIR 7298 Revision 2
Business continuity: The ability to maintain operations and services—both technology and
business—in the event of a disruption to normal operations and services. Ensures that any
impact or disruption of services is within a documented and acceptable recovery time period
and that system or operations are resumed at a documented and acceptable point in the
processing cycle. Source: FFIEC IT Examination Handbook Glossary
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Change management: The broad processes for managing organizational change. Change
management encompasses planning, oversight or governance, project management, testing,
and implementation. Source: FFIEC Operations Booklet
CHIPS: A private-sector U.S.-dollar funds-transfer system, clearing and settling cross-border
and domestic payments. Source: CHIPS
Cloud computing: Generally a migration from owned resources to shared resources in which
client users receive information technology services on demand from third-party service
providers via the Internet “cloud.” In cloud environments, a client or customer relocate their
resources—such as data, applications, and services—to computing facilities outside the
corporate firewall, which the end user then accesses via the Internet. Source: FFIEC
Statement on Outsourced Cloud Computing
Crisis management: The process of managing an institution’s operations in response to an
emergency or event that threatens business continuity. An institution’s ability to
communicate with employees, customers, and the media, using various communications
devices and methods, is a key component of crisis management. Source: FFIEC Business
Continuity Planning Booklet
Critical system [infrastructure]: The systems and assets, whether physical or virtual, that are
so vital that the incapacity or destruction of such may have a debilitating impact. Source:
NICCS Glossary
Cyber attack: Attempts to damage, disrupt, or gain unauthorized access to a computer,
computer system, or electronic communications network. An attack, via cyberspace,
targeting an enterprise’s use of cyberspace for the purpose of disrupting, disabling,
destroying, or maliciously controlling a computing environment or infrastructure; or
destroying the integrity of the data or stealing controlled information. Source: FFIEC IT
Examination Handbook Glossary
Cyber event: A cybersecurity change or occurrence that may have an impact on organizational
operations (including mission, capabilities, or reputation). Source: NIST Cybersecurity
Framework
Cyber incident: Actions taken through the use of computer networks that result in an actual or
potentially adverse effect on an information system or the information residing therein.
Source: NIST: CNSSI-4009
Cyber threat: An internal or external circumstance, event, action, occurrence, or person with the
potential to exploit technology-based vulnerabilities and to adversely impact (create adverse
consequences for) organizational operations, organizational assets (including information and
information systems), individuals, other organizations, or society. Source: NICCS Glossary
Cybersecurity: The process of protecting consumer and bank information by preventing,
detecting, and responding to attacks. Source: Derived from NIST Cybersecurity Framework

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Data classification program: A program that categorizes data to convey required safeguards for
information confidentiality, integrity, and availability; establishes controls required based on
value and level of sensitivity. Source: Derived from SANS Institute InfoSec Reading Room
Database: A collection of data that is stored on any type of computer storage medium and may
be used for more than one purpose. Source: FFIEC IT Examination Handbook Glossary
Data loss prevention (DLP): A comprehensive approach (covering people, processes, and
systems) of implementing policies and controls designed specifically to discover, monitor,
and protect confidential data wherever it is stored, used, or in transit over the network and at
the perimeter. Source: NSA/CSS Securing Data and Handling Spillage Events
Data mining: The process or techniques used to analyze large sets of existing information to
discover previously unrevealed patterns or correlations. Source: NICCS Glossary
Deep packet inspection: The capability to analyze network traffic to compare vendor-developed
profiles of benign protocol activity against observed events to identify deviations. Source:
NIST Guide to Intrusion Detection and Prevention Systems
Defense-in-depth: Information security strategy integrating people, technology, and operations
capabilities to establish variable barriers across multiple layers and dimensions of the
organization. Source: NIST: CNSSI-4009
Digital certificate: The electronic equivalent of an ID card that authenticates the originator of a
digital signature. Source: FFIEC IT Examination Handbook Glossary
Disaster recovery plan: A plan that describes the process to recover from major processing
interruptions. Source: FFIEC IT Examination Handbook Glossary
Distributed denial of service (DDoS): A type of attack that makes a computer resource or
resources unavailable to its intended users. Although the means to carry out, motives for, and
targets of a DDoS attack may vary, it generally consists of the concerted efforts of a group
that intends to affect an institution’s reputation by preventing an Internet site, service, or
application from functioning efficiently. Source: FFIEC IT Examination Handbook Glossary
Domain Name System Security Extensions (DNSSEC): A technology that was developed to,
among other things, protect against such attacks by digitally ‘signing’ data so you can be
assured it is valid. Source: ICANN
Encryption: A data security technique used to protect information from unauthorized inspection
or alteration. Information is encoded so that data appear as meaningless strings of letters and
symbols during delivery or transmission. Upon receipt, the information is decoded using an
encryption key. Source: FFIEC IT Examination Handbook Glossary
End of life: All software products have life cycles. End of life refers to the date when a software
development company no longer provides automatic fixes, updates, or online technical
assistance for the product. Source: US-CERT alert TA-14-310A

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End-point security: Security controls that validate the security compliance of the client system
that is attempting to use the SSL VPN. Endpoint security controls also include security
protection mechanisms, such as Web browser cache cleaners, that remove sensitive
information from client systems. Source: NIST: SP 800-113
Enterprise network: The configuration of computer systems within an organization. Includes
local area networks (LAN), wide area networks (WAN), bridges, and applications. Source:
FFIEC IT Examination Handbook Glossary
Enterprise-wide: An entire organization, rather than a single line of business or function.
Source: FFIEC IT Examination Handbook Glossary
Exploit: A technique or code that uses a vulnerability to provide system access to the attacker.
An exploit is an intentional attack to impact an operating system or application program.
Source: FFIEC IT Examination Handbook Glossary
External connections: An information system or component of an information system that is
outside of the authorization boundary established by the organization and for which the
organization typically has no direct control over the application of required security controls
or the assessment of security control effectiveness. Source: NIST: SP 800-53
FTP (file transfer protocol): A standard high-level protocol for transferring files from one
computer to another, usually implemented as an application level program. Source: National
Telecommunications and Information Administration
Financial Services Information Sharing and Analysis Center (FS-ISAC): A nonprofit,
information-sharing forum established by financial services industry participants to facilitate
the public and private sectors’ sharing of physical and cybersecurity threat and vulnerability
information. Source: Derived from FS-ISAC
Firewall: Hardware or software link in a network that relays only data packets clearly intended
and authorized to reach the other side. Source: FFIEC IT Examination Handbook Glossary
Frame relay: A high-performance WAN protocol that operates at the physical and data link
layers of the open systems interconnect (OSI) reference model. Frame relay is an example of
a packet-switched technology. Packet-switched networks enable end stations to dynamically
share the network medium and the available bandwidth. Frame relay uses existing T1 and T3
lines and provides connection speeds from 56 Kbps to T1. Source: FFIEC IT Examination
Handbook Glossary
Gap analysis: A comparison that identifies the difference between actual and desired outcomes.
Source: FFIEC IT Examination Handbook Glossary
Governance: In computer security, the setting of clear expectations for the conduct (behaviors
and actions) of the entity being governed and directing, controlling, and strongly influencing
the entity to achieve these expectations. Governance includes specifying a framework for
decision making, with assigned decision rights and accountability, intended to consistently
produce desired behaviors and actions. Source: FFIEC IT Examination Handbook Glossary
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Hypervisor: A piece of software that provides abstraction of all physical resources (such as
central processing units, memory, network, and storage) and thus enables multiple computing
stacks (consisting of an operating system, middleware and application programs) called
virtual machines to be run on a single physical host. Source: NIST SP 800-125a Draft
Incident response plan: A plan that defines the action steps, involved resources, and
communication strategy upon identifying a threat or potential threat event, such as a breach
in security protocol, power or telecommunications outage, severe weather, or workplace
violence. Source: FFIEC IT Examination Handbook Glossary
Information security: The result of any system of policies or procedures for identifying,
controlling, and protecting information from unauthorized disclosure. Also, the processes by
which an organization protects and secures its systems, media, and facilities that process and
maintain information vital to its operations. Source: FFIEC IT Examination Handbook
Glossary
Information systems: Electronic and paper-based systems. Electronic systems and physical
components used to access, store, transmit, protect, and eventually dispose of information.
Information systems can include networks (computer systems, connections to business
partners and the Internet, and the interconnections between internal and external systems.
Other examples are backup tapes, portable computers, personal digital assistants, media such
as compact disks, micro drives, and diskettes, and media used in software development and
testing. Source: FFIEC Information Security Booklet
Infrastructure: Systems technologies, including operations such as central computer
processing, distributed processing, end-user computing, local area networking, and
telecommunications. Includes the transmission media (e.g., voice, data, and video), routers,
aggregators, repeaters, and other devices that control transmission paths; also includes the
software used to send, receive, and manage transmitted signals. These operations often
represent critical services to financial institutions and their customers. Source: Based on
FFIEC IT Examination Handbook Glossary
Internet service provider (ISP): A company that provides its customers with access to the
Internet (e.g., AT&T, Verizon, CenturyLink). Source: FFIEC IT Examination Handbook
Glossary
Intrusion detection system (IDS): Software and hardware that detect and log inappropriate,
incorrect, or anomalous activity. IDS are typically characterized based on the source of the
data they monitor: host or network. A host-based IDS uses system log files and other
electronic audit data to identify suspicious activity. A network-based IDS uses sensors to
monitor packets on the network to which it is attached. Source: FFIEC IT Examination
Handbook Glossary
Intrusion prevention systems (IPS): A system that can detect an intrusive activity and can also
attempt to stop the activity, ideally before it reaches its target. Source: NISTIR 7298 Revision
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Life-cycle process: The multistep process that starts with the initiation, analysis, design, and
implementation, and continues through the maintenance and disposal of the system. Source:
NIST System Development Life Cycle
Malware: Designed to secretly access a computer system without the owner’s informed consent.
The expression is a general term (short for malicious software) used to mean a variety of
forms of hostile, intrusive, or annoying software or program code. Malware includes
computer viruses, worms, Trojan horses, spyware, dishonest adware, ransomware,
crimeware, most rootkits, and other malicious and unwanted software or programs. Source:
FFIEC IT Examination Handbook Glossary
Man-in-the-middle attack (MITM): Places the attacker’s computer in the communication line
between the server and the client. The attacker’s machine can monitor and change
communications. Source: FFIEC IT Examination Handbook Glossary
Metrics: A quantitative measurement. Source: FFIEC IT Examination Handbook Glossary
Mobile device: A portable computing and communications device with information-storage
capability. Examples include notebook and laptop computers, cellular telephones and smart
phones, tablets, digital cameras, and audio recording devices. Source: NISTIR 7298 Revision
2
Multifactor authentication: The process of using two or more factors to achieve authentication.
Factors include something you know (e.g., password or personal identification number);
something you have (e.g., cryptographic identification device or token); and something you
are (e.g., biometric). Source: NISTIR 7298 Revision 2
National Institute of Standards and Technology (NIST): An agency of the U.S. Department
of Commerce that works to develop and apply technology, measurements, and standards;
developed a voluntary cybersecurity framework based on existing standards, guidelines, and
practices for reducing cyber risks to critical infrastructures. Source: NIST
Network: Two or more computer systems grouped together to share information, software, and
hardware. Source: FFIEC IT Examination Handbook Glossary
Network activity baseline: A base for determining typical utilization patterns so that significant
deviations can be detected. Source: NIST: SP 800-61
Network administrator: An individual responsible for the installation, management, and
control of a network. Source: FFIEC IT Examination Handbook Glossary
Network diagram: A description of any kind of locality in terms of its physical layout. In the
context of communication networks, a topology describes pictorially the configuration or
arrangement of a network, including its nodes and connecting communication lines. Source:
FFIEC IT Examination Handbook Glossary
Operating system: A system that supports and manages software applications. Operating
systems allocate system resources, provide access and security controls, maintain file
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systems, and manage communications between end users and hardware devices. Source:
FFIEC IT Examination Handbook Glossary
Outsourcing: The practice of contracting with another entity to perform services that might
otherwise be conducted in-house. Contracted relationship with a third party to provide
services, systems, or support. Source: FFIEC IT Examination Handbook Glossary
Patch: Software code that replaces or updates other code frequently to correct security flaws.
Source: FFIEC IT Examination Handbook Glossary
Penetration test: The process of using approved, qualified personnel to conduct real-world
attacks against a system to identify and correct security weaknesses before they are
discovered and exploited by others. Source: FFIEC IT Examination Handbook Glossary
Person-to-Person payments: Online payments using electronic messaging invoke a transfer of
value between the parties over existing proprietary networks as “on-us” transactions. Source:
FFIEC IT Examination Handbook Glossary
Phishing: A digital form of social engineering that uses authentic-looking—but bogus—e-mail
to request information from users or direct them to fake Web sites that request information.
Source: NIST: SP 800-83
Principles of least privilege: The security objective of granting users only the access needed to
perform official duties. Source: NISTIR 7298 Revision 2
Privileged access: Individuals with the ability to override system or application controls.
Source: FFIEC Information Security Booklet
Real-time network monitoring: Immediate response to a penetration attempt that is detected
and diagnosed in time to prevent access. Source: NISTIR 7298 Revision 2
Red team: A group of people authorized and organized to emulate a potential adversary’s attack
or exploitation capabilities against an enterprise’s security posture. The red team’s objective
is to improve enterprise information assurance by demonstrating the impacts of successful
attacks and by demonstrating what works for the defenders in an operational environment.
Source: NIST: CNSSI-4009
Remote access: The ability to obtain access to a computer or network from a remote location.
Source: FFIEC IT Examination Handbook Glossary
Remote deposit captures (RDC): A service that enables users at remote locations to scan digital
images of checks and transmit the captured data to a financial institution or a merchant that is
a customer of a financial institution. Source: FFIEC IT Examination Handbook Glossary
Removable media: Portable electronic storage media, such as magnetic, optical, and solid-state
devices, which can be inserted into and removed from a computing device and which is used
to store text, video, audio, and image information. Such devices have no independent

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processing capabilities. Examples include hard disks, floppy disks, zip drives, compact disks
(CD), thumb drives, pen drives, and similar storage devices. Source: NIST: CNSSI-4009
Resilience: The ability of an organization to recover from a significant disruption and resume
critical operations. Source: FFIEC IT Examination Handbook Glossary
Resilience testing: Testing of an institution’s business continuity and disaster recovery
resumption plans. Source: FFIEC IT Examination Handbook Glossary
Risk assessment: A prioritization of potential business disruptions based on severity and
likelihood of occurrence. The risk assessment includes an analysis of threats based on the
impact to the institution, its customers, and financial markets, rather than the nature of the
threat. Source: FFIEC IT Examination Handbook Glossary
Risk management: The total process required to identify, control, and minimize the impact of
uncertain events. The objective of a risk management program is to reduce risk and obtain
and maintain appropriate management approval. Source: FFIEC IT Examination Handbook
Glossary
Rlogin: Remote login. A UNIX utility that allows a user to login to a remote host on a network,
as if it were directly connected, and make use of various services. Remote login is an information
exchange between network-connected devices where the information cannot be reliably
protected end-to-end by a single organization’s security controls. Source: NIST Electronic
Authentication Guidance
Rogue wireless access: An unauthorized wireless node on a network. Source: NISTIR 7298
Revision 2
Router: A hardware device that connects two or more networks and routes incoming data
packets to the appropriate network. Source: FFIEC IT Examination Handbook Glossary
Sandbox: A restricted, controlled execution environment that prevents potentially malicious
software, such as mobile code, from accessing any system resources except those for which
the software is authorized. Source: NIST: CNSSI-4009
Security log: A record that contains login and logout activity and other security-related events
and that is used to track security-related information on a computer system. Source: NIST:
SP 800-92
Security posture: The security status of an enterprise’s networks, information, and systems
based on information assurance resources (e.g., people, hardware, software, and policies) and
capabilities in place to manage the defense of the enterprise and to react as the situation
changes. Source: NISTIR 7298 Revision 2
Sensitive customer information: A customer’s name, address, or telephone number, in
conjunction with the customer’s social security number, driver’s license number, account
number, credit or debit card number, or a personal identification number or password that
would permit access to the customer’s account. Sensitive customer information also includes
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any combination of components of customer information that would allow someone to log
onto or access the customer’s account, such as user name and password or password and
account number. Source: Interagency Guidance on Response Programs for Unauthorized
Access to Customer Information and Customer Notice
Server: A computer or other device that manages a network service. An example is a print
server, which is a device that manages network printing. Source: FFIEC IT Examination
Handbook Glossary
Service-level agreement (SLA): An agreement that details of the responsibilities of an IT
service provider, the rights of the service provider’s customers, and the penalties assessed
when the service provider violates any element of the SLA. SLAs also identify and define the
service, plus the supported products, evaluation criteria, and quality of service customers
should expect. SLAs are typically measured in terms of metrics. Examples include
processing completion times and systems availability times. Source: FFIEC IT Examination
Handbook Glossary
Social engineering: A general term for trying to trick people into revealing confidential
information or performing certain actions. Source: NIST SP 800-114
Spear phishing: An attack targeting a specific user or group of users, and attempts to deceive
the user into performing an action that launches an attack, such as opening a document or
clicking a link. Spear phishers rely on knowing some personal piece of information about
their target, such as an event, interest, travel plans, or current issues. Sometimes this
information is gathered by hacking into the targeted network. Source: Guidelines for Secure
Use of Social Media by Federal Departments and Agencies
SQL injection attack: An exploit of target software that constructs structure query language
(SQL) statements based on user input. An attacker crafts input strings so that when the target
software constructs SQL statements based on the input, the resulting SQL statement performs
actions other than those the application intended. SQL injection enables an attacker to talk
directly to the database, thus bypassing the application completely. Successful injection can
cause information disclosure as well as ability to add or modify data in the database. Source:
MITRE Common Attack Pattern Enumeration and Classification
System development life-cycle process: The scope of activities associated with a system,
encompassing the system’s initiation, development and acquisition, implementation,
operation and maintenance, and ultimately its disposal that instigates another system
initiation. Source: NIST System Development Life Cycle
T1: A special type of telephone line for digital communication and transmission. T1 lines
provide for digital transmission with signaling speed of 1.544 Mbps (1,544,000 bits per
second). This is the standard for digital transmissions in North America. Usually delivered on
fiber optic lines. Source: FFIEC IT Examination Handbook Glossary
Telnet: An interactive, text-based communications session between a client and a host. It is used
mainly for remote login and simple control services to systems with limited resources or to
systems with limited needs for security. Source: Guide to Industrial Control Systems (ICS)
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Security Third-party relationship: Any business arrangement between a financial
institution and another entity, by contract or otherwise. Source: OCC Bulletin 2013-29
Third-party payment processor: Bank customers that provide payment-processing services to
merchants and other business entities. Source: FFIEC BSA/AML Manual
Third-party service provider: Any type of company, including affiliated entities, non-affiliated
entities, and alliances of companies providing products and services to the financial
institution. Other terms used to describe service providers include vendors, subcontractors,
external service providers, application service providers, and outsourcers. Source: FFIEC IT
Examination Handbook Glossary
Threat intelligence: The acquisition and analysis of information to identify, track, and predict
cyber capabilities, intentions, and activities that offer courses of action to enhance decision
making. Source: SEI Emerging Technology Center: Cyber Intelligence Tradecraft Project
Token: A small device with an embedded computer chip that can be used to store and transmit
electronic information. Source: FFIEC IT Examination Handbook Glossary
Trusted zone: A channel in which the end points are known and data integrity is protected in
transit. Depending on the communications protocol used, data privacy may be protected in
transit. Examples include secure socket layer, internet protocol security and a secure physical
connection. Source: CNSSI Glossary
US-CERT: The U.S. Computer Emergency Readiness Team, part of the U.S. Department of
Homeland Security’s National Cybersecurity and Communications Integration Center. USCERT is a partnership between the Department of Homeland Security and the public and
private sectors, established to protect the nation’s Internet infrastructure. US-CERT
coordinates defense against and responses to cyber attacks across the nation. Source: USCERT
Virtual machine: A software emulation of a physical computing environment. Source:
Webster’s Dictionary
VPN (virtual private network): A computer network that uses public telecommunication
infrastructure, such as the Internet, to provide remote offices or individual users with secure
access to their organization’s network. Source: FFIEC IT Examination Handbook Glossary
Vulnerability: A hardware, firmware, or software flaw that leaves an information system open
to potential exploitation; a weakness in automated system security procedures, administrative
controls, physical layout, internal controls, etc., that could be exploited to gain unauthorized
access to information or to disrupt critical processing. Source: FFIEC IT Examination
Handbook Glossary
Zero-day attack: An attack on a piece of software that has a vulnerability for which there is no
known patch. Source: DHS Continuous Diagnostics and Mitigation

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