How Banks Respond to Customer Worries About Data Breaches

It’s not uncommon for large retail chains to announce their customer credit card or debit card data was compromised. 1) What can banks who issue these cards to their customers do to keep fraudulent charges down and ease customers fears? 2) How can bank staffers be prepared to communicate to customers how the banks are handling the breach, and what customers should expect? I’m particularly interested in any new strategies or strategies that banks have found particularly effective in handling breaches. 3) Outside of a big, public breach, how do banks –including small banks– handle customer requests for chargebacks on suspicious charges they fear are fraudulent or calls about defective merchandise? 4) How can card issuers detect customers who are falsely claiming fraudulent charges or defective merchandise, simple to get the charge erased?