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McAfee's Sherstobitoff said some of the evidence suggests that customer service lines from the banks are already being loaded into the console for easy distribution to the botmasters participating in the attack.
"It's not that the Trojan itself is really unique," he added. "It's really the back-end system and the cooperation of others that will make this a crime machine to be concerned about. In a way, it's like Operation High Roller, which also stole money. But, High Roller attacked businesses, whereas this one attacks consumer accounts. Victims would have to jump through hoops to confirm the fraud, but in most cases, the financial institutions will ultimately eat the loss. But if this does reach critical mass, it can potentially be very destructive."
Sherstobitoff urges consumers to make sure that their antivirus protection remains up to date. Meanwhile, banks and other financial institutions have been urged to take measures to strengthen their customer authentication processes, as well as to engage anomaly detection software to identify any unusual account activity.