Global Bank + global workforce = ...

Clueless-ness on a global level.

This is what happens when you have teams of people who don't know more than the basics and are used to thinking of security as an afterthought.

Want someone to blame? Blame Microsoft. Yeah Microsoft. Not because they use Microsoft's products but because Microsoft was the first major software company who's mantra was "Rush to be first to market, then clean up the mess later."