The gang, dubbed as Carbanak, used computer viruses to infect company networks with malware including video surveillance, enabling it to see and record everything that happened on staff’s screens. In some cases it was then able to transfer money from the banks’ accounts to their own, or even able to tell cash machines to dispense cash at a pre-determined time of the day. 10.
1  The Senior Loan Officer Opinion Survey on Bank Lending Practices is available on the Federal Reserve Board’s website. 2  See National Federation of Independent Business (2011), NFIB Small Business Economic Trends (PDF) (Nashville: NFIB, December). 3  Observations about recent financial developments generally are based on Call Report data filed by banks as of September 30, 2011.