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Experience & Education
Ujjivan Small Finance Bank
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Will Blockchain Replace Banks?
CPO Magzine
Blockchain is today’s most discussed technology and will remain so for more time. Crypto Society most often criticizes banks for being over-centralized and many times being overpriced and monopolistic. In contrast, Blockchain can be a viable option as it is decentralized and a cost-effective solution.
Will the Self-Securing Cloud Replace Security Professionals?
CPO Magazine
To expand banking business to new customers, new channels, new geography and new markets, cloud computing is an effective tool. Cloud computing is not only expandable and swift but provides competitive advantage and better customer service with significantly less infrastructure costs. Some organizations have reported that business simulations which took more than 20 hours in a physical infrastructure setup took just 20 minutes in a cloud infrastructure. This alone explains the capability of…
To expand banking business to new customers, new channels, new geography and new markets, cloud computing is an effective tool. Cloud computing is not only expandable and swift but provides competitive advantage and better customer service with significantly less infrastructure costs. Some organizations have reported that business simulations which took more than 20 hours in a physical infrastructure setup took just 20 minutes in a cloud infrastructure. This alone explains the capability of cloud-based infrastructures. However, questions have been raised about the security of such an infrastructure.
Hakin9 Media
In a TCP SYN flood attack, the malicious client begins a three way handshake which the client never finishes. The client only sends TCP SYN packets and no final ACK packets, and by virtue of which the server reserves memory slots for each incomplete connection. By this process, the server’s memory gets filled with increasing incomplete connections until the server can no longer no longer accept the other incoming requests (both genuine and malicious) in want of free memory. The goal of this…
In a TCP SYN flood attack, the malicious client begins a three way handshake which the client never finishes. The client only sends TCP SYN packets and no final ACK packets, and by virtue of which the server reserves memory slots for each incomplete connection. By this process, the server’s memory gets filled with increasing incomplete connections until the server can no longer no longer accept the other incoming requests (both genuine and malicious) in want of free memory. The goal of this simple technique is to deny the TCP services to the legitimate clients by creating a large number of half open TCP connections that fill the host’s listen queue. Usually, these TCP SYN packets use counterfeit IP addresses to prevent detection and because of these nonexistent IP addresses, no responses are returned to the server.
Data Security and Privacy concerns for the Indian Banking Industry
http://www.cioreview.in/
The era of internet escalated banking has brought the banking channels to customer’s hand. This is possible because of communications and exchange of a very large set of data. Many of these communications involves interchange of confidential data. As the data belongs to customers, their security is the prime concerns for the banks. Privacy preservation is of also equally important as no party can be trusted enough over the public networks without checks and verification.
Efma Online
To expand banking business to new customers, new channels, new geography and new markets, cloud computing is an effective tool. However, questions have been raised about the security of such an infrastructure.
Wireless Sniffing through KARMETASPLOIT
Hakin9 Media
Wireless Sniffing through KARMETASPLOIT
By Ratan Jyoti
Karmetasploit is a Metasploit implementation of famous wireless sniffing tool KARMA (KARMA Attacks Radioed Machines Automatically) which passively listens to 802.11 Probe Request frames. Wireless Clients are generally targeted by creating Rogue AP and harvesting of user credentials which is carried out by exploiting client side vulnerabilities.
Hakin9
Distributed Denial of Service (DDoS) attack is a strewn challenge where the spurious or fake packets are sent to the victim in abnormally large number. DDoS attempts to block important services running on victim’s server by flooding the victim’s server with packets. The difference with DoS is that DDoS attacks do not originate from a single host or network but from multiple hosts or networks which might have already been compromised. One of the main challenges here is to find the location of…
Distributed Denial of Service (DDoS) attack is a strewn challenge where the spurious or fake packets are sent to the victim in abnormally large number. DDoS attempts to block important services running on victim’s server by flooding the victim’s server with packets. The difference with DoS is that DDoS attacks do not originate from a single host or network but from multiple hosts or networks which might have already been compromised. One of the main challenges here is to find the location of attackers and then block traffic at points near to the source of the attacks. Layer 7 DDoS attacks target the application layer at web or mail servers (eg. HTTP(S), SMTP, FTP etc) such that the service can be denied in effective way to bring web server to lock up or crash. Since they operate at the application protocol level which is OSI Layer 7 ,this attack is known as Layer 7 DDoS attack…
Securing The Cloud To Drive Business
Silicon India
Banking with the cloud is definitely a game changer
The burden of possessing, managing and maintaining the IT infrastructure has been the key challenge for financial sector. Banking with the cloud has definitely been a game changer. Many banks have already placed their less critical application to cloud computing as a low-risk exercise. The major benefits to the bank are:
• No upfront capital costs and reduced technology costs
• Faster implementation • High flexibility and…
Banking with the cloud is definitely a game changer
The burden of possessing, managing and maintaining the IT infrastructure has been the key challenge for financial sector. Banking with the cloud has definitely been a game changer. Many banks have already placed their less critical application to cloud computing as a low-risk exercise. The major benefits to the bank are:
• No upfront capital costs and reduced technology costs
• Faster implementation • High flexibility and scalability
• Multi-channel reach
Efma Journal (Efma journal n° 239 July August 2013 page 24-25)
Efma journal n° 239 July August 2013
Tackling the theft of data
The rising incidence of cardholder data theft has become a major concern for banks. Besides leading to fraud and operational losses, the impact on a bank’s reputation is significant. Ratan Jyoti from Vijaya Bank explains what needs to be done to minimise risk.
Information system on National Pusa Insect Collection ISNPIC
Shashpa Journal 9(2): 127-132
This is the web based information system for insect
collections is developed at Indian Agricultural Research Institute, New
Delhi by Ratan Jyoti et al., 2002. It is known as Information System on
National Pusa Insect Collection (ISNPIC), which is one of the biggest
insect collections in Asia with more than half a million specimens
comprising of approximately 17,000 identified species.
Top 50 Global Thought Leaders and Influencers on Cloud Computing (January 2020)
Top 50 Global Thought Leaders and Influencers on Cloud Computing (January 2020)
Thinkers360 leaderboard for the top 50 global thought leaders and influencers on Cloud Computing for January 2020.
100 B2B Thought Leaders and Influencers to Follow in 2020
Thinkers360 leaderboard for the top 100 global thought leaders and influencers on Technology for December 2019.
CSO 100 Award 2019
IDG Media
Champion CISO 2019
Dynamic CISO
Infosec Maestro 2018
www.infosecuritylive.com
This award aims to bring to the centre stage the contribution security officers make in the shaping and securing the integrity of our businesses. The purpose of the award is to inspire the young talented information security professionals and researchers to come forward with path breaking technological innovations to keep organizations ahead and secure.
CISO Platform 2018
CISO Platform
Infosec Maestros Award 2017
BitStream Mediaworks Pvt. Ltd.
The ‘INFOSEC MAESTROS’ Awards felicitates organizations (and the people within them) that are using information security technology in innovative ways to secure their business and mission critical information in the most effective manner and deliver business value, by creating competitive advantage, optimizing business processes, enabling growth or improving relationships with customers.
DynamicCISO – Magnificent Seven award
Dynamic CISO
In dynamicCISO Summit 2017 , I received the Magnificent Seven award and was honored as one of the seven security leaders across India who have contributed to the industry and helped raise awareness about security issues at various levels.
Infosec Maestros Award 2016-India’s top most honour for CISOs/ Infosec leaders
InfoSecurity Magazine
Info Sec, a leading Magazine on Information Security workforce calls for nominations for “INFOSEC MAESTROS” annually. This award is granted in recognition of the talent, contributions and innovations of information security leaders, who have significantly contributed to the enhancement of the information security workforce by demonstrating a leadership role in any information security workforce improvement initiative, program or project. Infosec Maestro awards for the year 2016 were announced…
Info Sec, a leading Magazine on Information Security workforce calls for nominations for “INFOSEC MAESTROS” annually. This award is granted in recognition of the talent, contributions and innovations of information security leaders, who have significantly contributed to the enhancement of the information security workforce by demonstrating a leadership role in any information security workforce improvement initiative, program or project. Infosec Maestro awards for the year 2016 were announced during Feb 2016. The panel of eminent juries of “Infosecurity” magazine has selected top 100 CISO Awards on a pan India basis.
Maheswar Satapathy
“I have had the privilege of knowing and working with Ratan Sir for a number of years, and it has always been a rewarding experience. Ratan Sir is one of those rare leaders who combines deep technical knowledge with a clear understanding of business priorities. What truly stands out about him is his ability to simplify complex risk and technology topics and make them relevant for teams, executives, and Boards alike.
Ratan Sir approaches challenges with calmness, insight, and a strong sense of responsibility. He doesn’t just find solutions — he builds understanding and consensus along the way. His leadership style encourages trust, collaboration, and accountability, and his actions consistently reflect integrity and professionalism.
He has an exceptional ability to align technology risk, governance, and business strategy in a way that strengthens organisational resilience. I have personally learned a lot from his thoughtful approach and clarity of thought.
I recommend Ratan Sir without hesitation and believe he will continue to bring great value wherever he serves.”
Arvind Shekar
“I’ve had the opportunity to know and work with Ratan sir over 5 years, and I’ve always been impressed by his blend of deep expertise and thoughtful leadership. What sets Ratan sir apart is his ability to look beyond technology and see the real business impact of risk and security decisions — and then communicate that clearly and confidently to everyone, from team members to senior leaders.
Ratan sir handles complex, high-pressure situations with calmness and good judgment. He doesn’t just focus on solving problems — he thinks about the bigger picture, the people involved, and the long-term implications. That’s a rare combination.
He also brings people together. Ratan listens, explains, encourages, and leads in a way that builds trust and confidence, not just compliance. Many times, I’ve seen him bridge gaps between technical teams and business stakeholders with clarity and respect.
I recommend Ratan sir without reservation. He brings integrity, insight, and a strong sense of responsibility to whatever he does. Any team or organisation would be fortunate to have him in a leadership role.”
35 people have recommended Ratan
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Rajat Maheshwari
Makesh Chandramohan CISA, CISM
Makesh Chandramohan CISA, CISM
Aditya Birla Capital
Abhilash Verma, CISSP, CCSA, CISA
Anuprita Daga – Capital
Shreerang Vaidya
Shreerang Vaidya
Cybersecurity executive with deep expertise across fintech, payments, operational resilience, cross-border platforms, and digital assets, enabling secure growth in highly regulated environments.<br><br>Currently focused on building resilient, business-aligned security and technology risk programs at the intersection of payments, cross-border systems, operational resilience, and digital assets.<br><br>Experienced in partnering with executive leadership, boards, regulators, and global stakeholders to strengthen cyber resilience, manage technology risk, and enable secure business growth in highly regulated environments.<br>Led global teams and complex programs across multiple geographies, with deep expertise spanning cybersecurity strategy, technology risk governance, operational resilience, regulatory compliance, and data protection.<br><br>Current certifications include CISSP, CRISC.<br><br>Areas of Expertise:<br>-Security Strategy & Program Development<br>-Technology Risk Management <br>-Regulatory Compliance – NY-DFS Part 500,200, EU-GDPR & regional Data privacy mandates. <br>-PCI DSS, ISO 27001 compliance<br>-Blockchain and Digital Assets Security<br>-Business Continuity Management & Disaster Recovery<br>-Cloud & Application Security<br>-Cyber Threat & Intelligence<br>-Third Party Risk Management<br>-Employee Engagement & Awareness<br>-People Leadership and Development<br>-Executive & Board Level Interactions<br>-Data Security & Governance<br>-Identity & Access Management<br>-Security Architecture<br><br>Talks about #cybersecurity #fintech #payments#dataprivacy and #leadership
Hiren Desai
Dinesh Phogat
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Pat Clawson
CheckRed
• 5K followers
Trust is becoming architectural — not just procedural.
The RBI’s new “bank.in” mandate is a strong signal that regulators are moving closer to infrastructure-level controls.
For financial institutions, this is bigger than a domain change. It’s a shift toward continuous trust validation.
Worth the read. 👇
7
UNDERCODE TESTING
3K followers
RBI’s Cyber Resilience Master Directions: The New Blueprint for Financial Survival
Introduction: The Reserve Bank of India (RBI) has unleashed a transformative cyber resilience framework, shifting cybersecurity from a compliance checkbox to a foundational business resilience requirement. This mandate demands technical implementation across Zero Trust, 24/7 monitoring, and resilience testing, fundamentally altering how regulated entities operationalize security. Learning Objectives: Implement RBI’s technical controls for identity, data protection, and monitoring Establish mandatory cyber resilience testing including red teaming and tabletop exercises……
MY Bhubaneswar
11K followers
STATE POLICE INTENSIFY ACTION TO DISMANTLE ILLEGAL FINANCIAL NETWORKS LINKED TO DIGITAL FRAUD
Odisha Police have traced 73 mule bank accounts and arrested six individuals under Operation Cyber Kavach, a statewide drive targeting financial networks linked to cyber fraud.
According to police headquarters, specialised cyber teams conducted verification drives across multiple districts to identify suspicious bank accounts used for routing fraudulent transactions. Three cases have been registered so far, with legal proceedings initiated against those involved.
District-wise findings show Boudh police traced 45 mule accounts, Malkangiri identified 20, Sundargarh detected two and arrested six persons, while Cuttack police traced six such accounts and issued notices to account holders.
Mule accounts are typically used by cybercriminals to transfer and withdraw illegally obtained funds, often masking the identity of the main perpetrators.
Officials said further investigation into transaction trails is underway to identify broader cybercrime networks and prevent misuse of banking systems.
#MYBhubaneswar Share and Stay Updated ❣️
38
1 Comment
The Art of Service Pty Ltd
654 followers
India’s RBI Cybersecurity Framework is mandatory for banking sector participants. With 20 controls across 2 focused domains, this framework leaves no room for ambiguity: dedicated policy, SOC establishment, CISO appointment, crisis management, and incident reporting are non-negotiable. We serve financial services professionals across 160+ countries, and India’s banking cyber requirements are increasingly integrated into regional compliance roadmaps. Explore the full RBI framework and ensure your banking operations are aligned with mandatory Indian requirements.
https://lnkd.in/gauDRHJ8
2
thestrategist &
3K followers
We protect data with firewalls.
But who protects human focus?
Burnout is not a resilience issue.
It is a design issue.
K Srini Shefali Rao Rohit Anand Sriram Sadras Madhavi Sharma Ramakrishna Matta Payamul Hoda Simran A. Dr. Raj Kumar Jayapal Padma Luhana (Chief Business Officer) Bimal Vyas Sushant Bahukhandi, SHRM-SCP Harshita Malik Datta Shyama Durbha R V Deepti Richhariya @annapurna Sardar Narendra Sankar Reddy Dwarampudi @yusra Alam Sasidharreddy Kuluru Syed Shagufta Begum Sneha Sunil Mruthyunjay Rao baba althaf Shaik
#26Degrees #HRTransformation #AttentionEconomy #WorkplaceDesign #TheStrategist #HRTransformation #AttentionEconomy #WorkplaceDesign
9
CISO FORUM
8K followers
𝐖𝐡𝐲 𝐏𝐮𝐛𝐥𝐢𝐜 𝐒𝐞𝐜𝐭𝐨𝐫 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐇𝐢𝐧𝐠𝐞𝐬 𝐨𝐧 𝐎𝐧𝐞 𝐆𝐚𝐦𝐞-𝐂𝐡𝐚𝐧𝐠𝐞𝐫: 𝐎𝐛𝐬𝐞𝐫𝐯𝐚𝐛𝐢𝐥𝐢𝐭𝐲
“Observability is not a luxury—it’s a strategic enabler of service delivery and compliance.”
— Ashwini Pandey CCISO CRISC CISM CISA ISO LEAD AUDITOR CeISB CAIIB , Chief Information Security Officer, Punjab National Bank
In this exclusive authored piece on CISO FORUM, Ashwini Kumar Pandey unveils how observability is transforming public sector IT—bringing transparency, accountability, and audit readiness to some of India’s most complex digital infrastructures. He argues that true efficiency goes beyond uptime metrics; it’s about process correlation, compliance, and visibility across every transaction and decision.
🔗 Read the full story: https://lnkd.in/g44eN8iA
#Observability #PublicSector #DigitalTransformation #Cybersecurity #Compliance #CIOandLeader #CISOForum #DigitalIndia #ITGovernance
Vikas Gupta | Sachin Mhashilkar | Vandana Chauhan | Giridhar Rajagopalan | Jatinder S. | Hafeez Shaikh | Rajiv Pathak | Sourabh Dixit | Subhadeep Sen | Jagrati Rakheja | Musharrat Shahin | Aanchal G.
1
Caravella Asset Management Company
571 followers
One of the most under-appreciated responsibilities of regulated boards is cyber security. The Securities and Exchange Board of India (SEBI) Chairman is absolutely right to call this out. If you sit on the board of a regulated entity, you are not just approving strategy and signing off accounts. You are being entrusted with customer data, investor records, confidential deal pipelines, and the reputation of your firm. Lose that data and you lose trust. When trust goes, value follows.
I go through this pain at least twice an year with my firms and unfortunately people only realise when the blood drains from your face when your CISO/CEO calls you at 3am. This is why I keep banging on it but who listens to the old man on the board.
The corporate graveyard has too many headstones marked “breach”. Equifax lost over 140 million customer records in 2017 and paid billions in fines, settlements and remediation. Target lost 40 million credit card numbers and its leadership team was forced out. In India too, we have seen high profile breaches. The 2020 BigBasket leak exposed data of over 20 million users. The 2022 Air India incident compromised the personal data of 4.5 million passengers. Ransomware has hit Indian pharma and financial services firms, freezing operations and shaking investor confidence. This is not an IT problem. This is a board problem, and by extension, a fiduciary problem.
A cyber breach is not just about firewalls and passwords. It is about culture, governance and preparedness. The firms that survive are those whose boards treat cyber security as seriously as capital allocation. Regulators will demand it, investors will expect it and customers will judge it.
In today’s digital economy, your moat is not only your business model. It is also the confidence that the information you hold is safe. Fail that test and the market will fail you.
Dr. Bhaskar Dasgupta
Chairman, Caravella Asset Management
Regulated by the IFSCA, GIFT City
3
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