The leak of client records at Morgan Stanley illustrates the danger posed when just one employee has unauthorized or unsecured access to sensitive information, as well as the ongoing threat to financial institutions from insider theft.

Large security incidents this year included JPMorgan Chase's August breach affecting 76 million households and seven million small businesses, Home Depot's breach of 56 million card account records it confirmed in September, and the Sony hack discovered in November, in which emails were stolen and hard drives destroyed. Here are some educated guesses about some of the security threats that will crop up next year.

Tangerine, Simple, American Express and Discover are some of the financial institutions that use Apple's Touch ID fingerprint-authentication technology to let consumers replace passwords or to add security.

Companies seeking to shield valuable data from criminals and government spying should assume the attackers have already penetrated their systems and adjust defensive strategies, security firms McAfee and Symantec said.

The growing influence of nonbank companies poses a danger to the financial system, and perhaps a national security threat, BB&T's Kelly King says during a wide-ranging conversation among big-bank CEOs.