What 345 Days of Untested Exposure Looks Like at a Bank
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Annual penetration tests leave roughly 345 days of unvalidated exposure at financial institutions. Using a real case study from a regional bank, Sprocket Security illustrates how a third-party mortgage portal exposed an unauthenticated API endpoint that leaked staff records and allowed fraudulent loan submissions across all tenants on the shared platform. The finding required active human testing — not automated scanning — and would have been missed by a point-in-time annual assessment. Regulatory frameworks like PCI DSS 4.0, FFIEC, and NYDFS already imply testing should respond to infrastructure changes, not annual schedules. The argument is that continuous testing tied to attack surface changes is the structural fix, not simply testing more frequently.
