FBI Warns: Internal Risk May Outpace Cyber Threats

The greatest enemy of operational uncertainty is the enterprise technology that promises to streamline, optimize and automate it away.

Most organizations, as a result, believe they have a firm grasp on their risk exposure. Dashboards are populated in real-time, controls are well-documented, and risk registers are reviewed at regular intervals.

Yet beneath this surface-level confidence can lie a more complex and often more dangerous reality: Different parts of the organization interpret risk in fundamentally different ways.

This misalignment is becoming a material business risk in its own right. As threats evolve in speed and sophistication, from cyber intrusions to supply chain disruptions, the ability of an enterprise to respond coherently can ultimately depend less on whether risks are identified and more on whether they are understood consistently across functions.

The latest annual report from the FBI’s Internet Crime Complaint Center (IC3) can help underscore the scale of the challenge. Cybercrime losses in the U.S. reached a record $20.87 billion over the past year, reflecting not just the growing volume of attacks but the increasing cost of organizational failure to anticipate, absorb and respond to them effectively.

See also: Fraud Is Knocking Louder on the CFO’s Door

Misalignment and Risk Tolerance Gaps

Risk is no longer just an external variable to be managed but is becoming an internal coordination problem to be solved.

The IC3 report paints a picture of a threat landscape that is both expansive and unevenly distributed. Business email compromise, ransomware, investment fraud, and supply chain vulnerabilities continue to dominate the loss categories. What is striking, however, is not just the magnitude of losses but the variability in how organizations experience them.

Some firms absorb cyber incidents with minimal disruption, while others face cascading operational failures. The difference often lies not in the sophistication of the attacker but in the resilience of the organization’s internal systems and decision-making frameworks.

The PYMNTS Intelligence report “Is That Content Generated by AI or Humans? Hard to Tell” found that content produced by AI can deceive humans and AI systems alike. This has led to businesses and regulators racing to implement strategies to address the growing threat, the report said.

Cybercrime, in this sense, is less a singular event and more a stress test of enterprise alignment. When finance, IT, operations and risk management functions operate with divergent assumptions about acceptable risk levels, response times slow, accountability blurs and losses escalate.

Separate findings in “Identity at Scale: Where KYC/KYB Touchpoints Create (or Contain) Agent Risk,” a new report from PYMNTS Intelligence and Trulioo, highlight for firms the impact that continuous life cycle management can have in defending against AI-powered fraud.

The FBI’s findings, therefore, should not be read solely as a warning about external threats. They are equally a diagnostic tool for internal weaknesses.

See also: What Mid-Market Businesses Can Learn From Big Tech’s Bot Defenses

CFOs Are Positioned to Lead

At the core of the problem is a deceptively simple question: What does “risk tolerance” actually mean within the enterprise?

Bridging this gap requires a central orchestrator, someone with both the visibility and authority to align disparate perspectives. Increasingly, that role is falling to the CFO, whose advantage lies in their office’s ability to impose a common language. By framing risk in financial terms such as expected loss, cost of disruption, return on resilience investments, and more, they can create a shared baseline that resonates across functions.

The goal is not to eliminate uncertainty but to ensure that it is understood consistently. In practice, this might involve scenario modeling that integrates cyber risk with supply chain disruptions, or stress testing that evaluates how simultaneous shocks would affect liquidity and profitability.

After all, organizations are generally effective at identifying risks. But they can be far less adept at determining how much risk they are willing to accept. For example, a company may tolerate a certain level of cyber risk under normal conditions. However, during periods of supply chain strain or market volatility, that same level of risk may become unacceptable due to compounding effects.

At the end of the day, the record losses reported by the FBI are a stark reminder that the cost of misalignment is rising. And those loses were themselves a lagging indicator. As threats become more dynamic, the margin for error is narrowing. But in a world where risk is inevitable, alignment can become the ultimate differentiator.