Unlike the Y2K fix, proper anti-fraud management entails an actively managed mix of customer education, access restrictions (both customer and institution owned), background monitoring, and rapid response to extinguish threats and to provide redress to actual victims. Security professionals know that this challenge is not met and disposed of by the purchase of a single point solution. It demands a careful situational analysis, assessment of new risks, selection of the right tools, and balance across a range of factors including customer experience, total cost of ownership, and loss risk management.