Since 2005, Ken has been in Online Security. He was a Director at MUFG Union Bank, recently retiring in early 2019. He helped shape the initial responses to the U.S. 2005 and 2011 FFIEC Regulatory Guidance to improve online security for US Banks. He is an early adaptor and has selected and implemented a number of online security products, ranging from multi-factor authentication, behavioral biometrics, network tap solutions to view all online traffic, malware detection products, online account opening security controls, a number of anomaly detection solutions, and a newer call center phone print telephony solution. Ken is an advisor to the RSA eFraud Global Forum. He speaks at a number of Online Banking conferences and has shared problems and solutions with his peers in the US, Europe and Japan. He is currently consulting to banks (especially on Zelle fraud) and to online security vendors from Napa, California.