WHITE PAPER CLOUD CONCENTRA TION RISK II: WHA T HAS CHANGED IN THE P AST TWO YEARS? Dr. Richard L. Harmon, Managing Director-Financial ServicesWHITE PAPER 2 Cloud Concentration Risk II: What Has Changed in the Past Two Years? Table of Contents Introduction ..................................................................................................................... 3 Cloud Service Provider (CSP) Offerings ............................................................................... 4 Industry Trends in Cloud Computing ................................................................................... 5 Regulatory Focus on Third-Party Outsourcing and Operational Resiliency ............................... 7 Global Regulators ......................................................

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