William Friend

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  • The Architecture of Financial Settlement: A Comprehensive Analysis of Payment Operations, Risk, and Modernization

    The Architecture of Financial Settlement: A Comprehensive Analysis of Payment Operations, Risk, and Modernization

    Executive Summary This report provides an expert-level analysis of the end-to-end payment settlement ecosystem, dissecting the core pillars of modern payment operations. It traces the flow of a…

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    William Friend

    August 30, 2026

    4 min read

  • What Examiners Actually Look For (and How to Measure Risk So You’re Always Ready)

    What Examiners Actually Look For (and How to Measure Risk So You’re Always Ready)

    What bank examiners actually look for — and how to measure risk so OCC, Fed, or FDIC exam readiness is continuous instead of a scramble.

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    William Friend

    August 16, 2026

    4 min read

  • Building an ATM Defense That Actually Works

    Building an ATM Defense That Actually Works

    A practical defense-in-depth blueprint for ATM fleets: hardening, monitoring, PCI DSS alignment, and incident response that holds up against modern attacks.

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    William Friend

    March 28, 2026

    4 min read

  • Jackpotting, Black Boxes, and State-Sponsored Hackers

    Jackpotting, Black Boxes, and State-Sponsored Hackers

    Inside logical ATM attacks: jackpotting malware, black-box devices, and state-sponsored campaigns against bank networks — how they work and why they succeed.

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    William Friend

    March 21, 2026

    4 min read

  • From Skimmers to Sledgehammers: Physical ATM Attacks

    From Skimmers to Sledgehammers: Physical ATM Attacks

    Physical ATM attacks explained: skimming, shimming, hook-and-chain, and explosive gas attacks — and the countermeasures that actually deter them.

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    William Friend

    March 14, 2026

    4 min read

  • The Evolving ATM Threat Landscape

    The Evolving ATM Threat Landscape

    How ATM attacks evolved from card skimmers to jackpotting and network intrusion — a threat landscape briefing for banking security teams from William Friend, CISSP.

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    William Friend

    March 7, 2026

    4 min read

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