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In 2009, organized cyber crime rings began to shift away from massive phishing attacks against consumer banking users, and instead target bigger fish - corporate banking users. The cybercriminals use advanced malicious software ("Malware") to attack the computers of finance professionals in companies and government agencies. If a computer that is used to access a commercial online banking service becomes infected, the attackers can effectively take over the corporate financial accounts in real time by hijacking active banking sessions and issue commands for funds transfers.
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