1/18/10. Walt Conway. PCI DSS in Context. Some History The Digital Dozen Key Players Cardholder Data Outsourcing Conclusions. PCI in Higher Education

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "1/18/10. Walt Conway. PCI DSS in Context. Some History The Digital Dozen Key Players Cardholder Data Outsourcing Conclusions. PCI in Higher Education"

Transcription

1 PCI in Higher Education Walter Conway, QSA 403 Labs, LLC Walt Conway PCI consultant, blogger, trainer, speaker, author Former Visa VP Help schools become PCI compliant Represent Higher Education at PCI Council QSA with 403 Labs Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC PCI DSS in Context Some History The Digital Dozen Key Players Cardholder Data Outsourcing Conclusions Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

2 First, Some PCI Basics PCI DSS: Payment Card Industry Data Security Standard Goal is to protect Cardholder Data (CHD) Primary Account Number (PAN) Also addresses track data, security codes, PINs If you take plastic, PCI applies to you Store, process, or transmit cardholder data P-cards, travel cards may be in scope PCI Compliance is by institution Most schools use Self-Assessment Questionnaire (SAQ) New PCI release in October Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC PCI History 2001: Visa and MasterCard security standards Visa Cardholder Information Security Program (CISP) MasterCard Site Data Protection (SDP) 2004: Standards combined into DSS Joined by American Express, Discover, JCB 2006: PCI Security Standards Council formed 2008: New SAQs and PCI v : PCI v2.0??? Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC PCI DSS: 6 Goals, 12 Requirements Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

3 PCI DSS Scope The cardholder data environment can include: Network components (firewall, switches, routers ) Servers (web, database, mail ) Applications (purchased, custom, internal, external) Policies, procedures Anything that stores, transmits, or processes cardholder data is in scope If you don t need it, don t keep it Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Key Players PCI Security Standards Council Global forum to enhance global payment security PCI DSS, PA DSS, PIN PED Approve assessors (QSAs) and scan vendors (ASVs) Develop Self-Assessment Questionnaire (SAQ) Develop and publish PCI documentation Participating Organizations include NACUBO Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Key Players Five Payment brands Track compliance and enforce standards (fines, sanctions) Determine event response (forensics) Define merchant levels Acquirers (Merchant Banks) and processors Set merchant level Certify compliance Approve compensating controls Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

4 Merchant Levels Level Visa and MasterCard Amex 1 > 6 million Visa/MC trans/year Compromise in last year Assigned by Visa/MC (326 merchants, 50% of total$) 2 1 to 6 million Visa/MC trans/year (709 merchants, 13% of total$) 3 20,000 to 1 million Visa/MC e-commerce trans/year (2,596 merchants, <5% of total$) 4 All other Visa/MasterCard merchants (About 11 million merchants) > 2.5 million Amex trans/year Assigned by Amex 50,000 to 2 million Amex trans/ year All other Amex merchants Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Cardholder Data Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Cardholder Data Source: PCI SSC Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

5 Quiz: Which are Cardholder Data? Name + expiry date + service code name + expiry date xx xxxx name + expiry date xx xxxx name + CVV xxx xxx name Name + expiry date + service code + signature Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Merchant Level Determines Validation Level Visa and MasterCard Amex 1 Annual on-site assessment by QSA Quarterly network scan by ASV Report on Compliance (ROC) based on Security Audit Guidelines 2 Visa: Annual Self-Assessment Questionnaire (SAQ) Quarterly network scan by ASV MasterCard: Same as Level 1 3 Annual SAQ Quarterly network scan by ASV 4 Determined by acquirer: Annual SAQ Quarterly network scan by ASV Annual on-site Security Audit (QSA or Internal Audit) Quarterly network scan by ASV Quarterly network scan ASV NEW Recommend quarterly network scan by ASV Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Validation Validation is by institution Don t confuse Merchant Level and Merchant ID Level is for compliance validation ID is for accounting Acquirer may combine IDs for PCI validation Simplified SAQs Four versions: depends on card environment Limiting PCI scope simplifies validation No electronic CHD stored Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

6 Staying Compliant You re compliant so order some pizza PCI is backward looking Compliance today says nothing about tomorrow You are one system or process change from being non-compliant Establish and follow policies Educate, train, communicate Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC The Reality of PCI Compliance is a journey, not a destination Compliance is expensive People Business practices Technology Budget PCI is not going away Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC The Business Case for PCI Compliance Plastic is a fact of life Plastic brings risks PCI-DSS Not optional Non-compliance has costs Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

7 Breaches are Expensive Benchmark: $197 per account compromised Small breach (5,000 accounts) can cost $1 million Plus: move to Level 1 merchant Advice: Download the article Advice: PCI compliance is not just required, it makes good business sense Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Business Implications of PCI Conway s Laws of PCI Your costs will go up Cost to get and remain PCI compliant Non-compliance costs more You will change the way you do business Do you want to be in the payment business? Maybe fewer campus merchants take plastic Limiting access to cardholder data Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Outsourcing Strategic question: Do you want to be in the payments business? Outsourcing some or all processing can simplify your path to PCI compliance Service Providers You use their systems, services Software Application Vendors You buy a software package to run on your system Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

8 Service Providers They store, transmit, or process cardholder data on your behalf You are still responsible Ensure service providers are PCI compliant Validate, and include PCI compliance in contract Control third-party connections Visa website lists PCI-compliant service providers Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Software Applications Payment Application Data Security Standard (PA DSS) Compliant third-party applications for merchants, processors Includes payment modules of larger package systems (ERP) PA DSS is for third-party payment application software used in authorization or settlement Not for internally-developed or customized applications Not for back-office or database applications PA DSS does not address functionality Got an RFP coming? Use the list! Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC PA DSS is Mandated Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

9 Outsourcing To Do List Check all payment vendors for PCI/PA DSS compliance POS, ERP, e-commerce, payment application Confirm your versions are compliant Update contracts to reflect PCI Appendix A Check for vendor training opportunities Compare implementation with vendor implementation guide Schedule upgrades to minimize costs Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC PCI DSS 12.8 PCI DSS Requirements 12.8 If cardholder data is shared with service providers, maintain and implement policies and procedures to manage service providers, to include the following: Testing Procedures 12.8 If the entity being assessed shares cardholder data with service providers (for example, back-up tape storage facilities, managed service providers such as Web hosting companies or security service providers, or those that receive data for fraud modeling purposes), through observation, review of policies and procedures, and review of supporting documentation, perform the following: Maintain a list of service providers Verify that a list of service providers is maintained Maintain a written agreement that includes an acknowledgement that the service providers are responsible for the security of cardholder data the service providers possess Verify that the written agreement includes an acknowledgement by the service providers of their responsibility for securing cardholder data Ensure there is an established process Verify that policies and procedures are for engaging service providers including proper documented and were followed including proper due due diligence prior to engagement. diligence prior to engaging any service provider Maintain a program to monitor service providers PCI DSS compliance status Verify that the entity assessed maintains a program to monitor its service providers PCI DSS compliance status. Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Where s My Silver Bullet? If you are new to PCI, begin with a PCI Gap Analysis Map cardholder data flow Identify non-compliant processes and systems Replace any known compromised systems Develop your policies and procedures Limit scope: if you don t need it, don t keep it Why are you storing cardholder data? Aim for a simplified SAQ (A C) Get trained good investment PCI Council, Visa, others On-site PCI training can make sense for a group Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

10 Where s My Silver Bullet (cont.)? Find all your cardholder data all of it It takes a team PCI is a business issue There are no technology silver bullets If you are L2, avoid the rush! Prepare for your assessment (documentation, gap analysis, ) New rules: don t wait until the last minute Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC Resources PCI Council: Skimming prevention Wireless guidelines Visa: MasterCard: Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC A Prioritized Approach Risk-based approach Eliminate account and mag stripe data Secure the perimeter A place to start, not a shortcut Guidance Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

11 Thank You Your comments? Questions? Thoughts? Follow the Higher Ed PCI blog Catch me at StorefrontBacktalk ( Techniques, Tools, and Tirades ) Long Beach 2010: PCI Overview Walter Conway, QSA, CPISM 403 Labs, LLC

Understanding and Managing PCI DSS

Understanding and Managing PCI DSS Understanding and Managing PCI DSS PCI DSS in Context Some History Key Players Validating Compliance Cardholder Data 2! 5 Stages of PCI Grief Denial: It doesn t apply to me PCI compliance is mandatory

More information

PCI DSS Gap Analysis Briefing

PCI DSS Gap Analysis Briefing PCI DSS Gap Analysis Briefing The University of Chicago October 1, 2012 Walter Conway, QSA 403 Labs, LLC Agenda The PCI DSS ecosystem - Key players, roles - Cardholder data - Merchant levels and SAQs UofC

More information

Agenda: A PCI DSS Deep Dive

Agenda: A PCI DSS Deep Dive Understanding and Managing PCI DSS Walt Conway, CPISM Walt Conway PCI consultant, blogger, trainer, speaker, author Former Visa VP Help schools become PCI compliant Represent Higher Education at PCI Council

More information

Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions

Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions PCI/PA-DSS FAQs Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions What is PCI DSS? The Payment Card Industry Data

More information

PCI Compliance Overview

PCI Compliance Overview PCI Compliance Overview 1 PCI DSS Payment Card Industry Data Security Standard Standard that is applied to: Merchants Service Providers (Banks, Third party vendors, gateways) Systems (Hardware, software)

More information

A Compliance Overview for the Payment Card Industry (PCI)

A Compliance Overview for the Payment Card Industry (PCI) A Compliance Overview for the Payment Card Industry (PCI) Many organizations are aware of the Payment Card Industry (PCI) and PCI compliance but are unsure if they are doing everything necessary. This

More information

Recent Developments in PCI DSS. PCI in the Headlines Risks to Higher Education PCI DSS Version 1.2

Recent Developments in PCI DSS. PCI in the Headlines Risks to Higher Education PCI DSS Version 1.2 Recent Developments in PCI DSS PCI in the Headlines Risks to Higher Education PCI DSS Version 1.2 1 2009 Breach Investigation Who did it? 74% external parties 20% insiders 32% implicated business partners

More information

Josiah Wilkinson Internal Security Assessor. Nationwide

Josiah Wilkinson Internal Security Assessor. Nationwide Josiah Wilkinson Internal Security Assessor Nationwide Payment Card Industry Overview PCI Governance/Enforcement Agenda PCI Data Security Standard Penalties for Non-Compliance Keys to Compliance Challenges

More information

Your Compliance Classification Level and What it Means

Your Compliance Classification Level and What it Means General Information What are the Payment Card Industry (PCI) Data Security Standards? The PCI Data Security Standards represents a common set of industry tools and measurements to help ensure the safe

More information

Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008

Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008 Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008 What is the PCI DSS? And what do the acronyms CISP, SDP, DSOP and DISC stand for? The PCI DSS is a set of comprehensive requirements

More information

Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance

Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance March 29, 2012 1:00 p.m. ET If you experience any technical difficulties, please contact 888.228.0988 or support@learnlive.com

More information

Payment Card Industry Data Security Standard

Payment Card Industry Data Security Standard Payment Card Industry Data Security Standard Abhinav Goyal, B.E.(Computer Science) MBA Finance Final Trimester Welingkar Institute of Management ISACA Bangalore chapter 13 th February 2010 Credit Card

More information

Payment Card Industry Data Security Standard Explained

Payment Card Industry Data Security Standard Explained Payment Card Industry Data Security Standard Explained Agenda Overview of PCI DSS Compliance Levels and Requirements PCI DSS in More Detail Discussion, Questions and Clarifications Overview of PCI-DSS

More information

Why Is Compliance with PCI DSS Important?

Why Is Compliance with PCI DSS Important? Why Is Compliance with PCI DSS Important? The members of PCI Security Standards Council (American Express, Discover, JCB, MasterCard, and Visa) continually monitor cases of account data compromise. These

More information

PCI DSS Compliance in a hosted infrastructure

PCI DSS Compliance in a hosted infrastructure PCI DSS Compliance in a hosted infrastructure A Rackspace White Paper Spring 2010 Summary The Payment Card Industry Data Security Standard (PCI DSS) is a global information security standard defined by

More information

TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS

TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS 1. Introduction Debit and Credit Card Receipt Standards apply to the administration

More information

Global PCI DSS Framework. Emöke Bitter Business Leader, Risk Management 26 February 2009

Global PCI DSS Framework. Emöke Bitter Business Leader, Risk Management 26 February 2009 Global PCI DSS Framework Emöke Bitter Business Leader, Risk Management 26 February 2009 Agenda Introduction Merchants Service Providers Registry of Service Providers Payment Applications Resources Information

More information

Cyber Security: Secure Credit Card Payment Process Payment Card Industry Standard Compliance

Cyber Security: Secure Credit Card Payment Process Payment Card Industry Standard Compliance Cyber Security: Secure Credit Card Payment Process Payment Card Industry Standard Compliance A Non-Technical Guide Essential for Business Managers Office Managers Operations Managers Compliant? Bank Name

More information

Frequently Asked Questions

Frequently Asked Questions PCI Compliance Frequently Asked Questions Table of Content GENERAL INFORMATION... 2 PAYMENT CARD INDUSTRY DATA SECURITY STANDARD (PCI DSS)...2 Are all merchants and service providers required to comply

More information

Merchant guide to PCI DSS

Merchant guide to PCI DSS Merchant guide to PCI DSS Contents What is PCI DSS and why was it introduced?... 3 Who needs to become PCI DSS compliant?... 3 BOIPA Simple PCI DSS - 3 step approach to helping businesses... 3 What does

More information

What are the PCI DSS requirements? PCI DSS comprises twelve requirements, often referred to as the digital dozen. These define the need to:

What are the PCI DSS requirements? PCI DSS comprises twelve requirements, often referred to as the digital dozen. These define the need to: What is the PCI standards council? The Payment Card Industry Standards Council is an institution set-up by American Express, Discover Financial Services, JCB, MasterCard Worldwide and Visa International

More information

PCI Compliance 101: Payment Card. Your Presenter: 7/19/2011. Data Security Standards Compliance. Wednesday, July 20, 2011 2:00 pm 3:00 pm EDT

PCI Compliance 101: Payment Card. Your Presenter: 7/19/2011. Data Security Standards Compliance. Wednesday, July 20, 2011 2:00 pm 3:00 pm EDT PCI Compliance 101: Payment Card Industry Basics Data Security Standards Compliance Wednesday, July 20, 2011 2:00 pm 3:00 pm EDT This complimentary webinar is brought to you by ASAE-Endorsed Business Solutions

More information

PCI Compliance. What is New in Payment Card Industry Compliance Standards. October 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP

PCI Compliance. What is New in Payment Card Industry Compliance Standards. October 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP cliftonlarsonallen.com PCI Compliance What is New in Payment Card Industry Compliance Standards October 2015 Overview PCI DSS In the beginning Each major card brand had its own separate criteria for implementing

More information

PCI DSS Compliance. 2015 Information Pack for Merchants

PCI DSS Compliance. 2015 Information Pack for Merchants PCI DSS Compliance 2015 Information Pack for Merchants This pack contains general information regarding PCI DSS compliance and does not take into account your business' particular requirements. ANZ recommends

More information

FREQUENTLY ASKED QUESTIONS The MasterCard Site Data Protection (SDP) Program

FREQUENTLY ASKED QUESTIONS The MasterCard Site Data Protection (SDP) Program FREQUENTLY ASKED QUESTIONS The MasterCard Site Data Protection (SDP) Program MERCHANTS Can Level 1 merchants currently use internal auditors to perform an onsite assessment? Yes. However, after June 30,

More information

PAYMENT CARD INDUSTRY (PCI) ANNUAL TRAINING DECEMBER 10, 2009 WESTERN ILLINOIS UNIVERSITY OFFICE OF THE CTSO & BUSINESS SERVICES

PAYMENT CARD INDUSTRY (PCI) ANNUAL TRAINING DECEMBER 10, 2009 WESTERN ILLINOIS UNIVERSITY OFFICE OF THE CTSO & BUSINESS SERVICES PAYMENT CARD INDUSTRY (PCI) ANNUAL TRAINING DECEMBER 10, 2009 WESTERN ILLINOIS UNIVERSITY OFFICE OF THE CTSO & BUSINESS SERVICES AGENDA PCI Players and Roles Merchant Requirements Keys To Successful PCI

More information

Don Roeber Vice President, PCI Compliance Manager. Lisa Tedeschi Assistant Vice President, Compliance Officer

Don Roeber Vice President, PCI Compliance Manager. Lisa Tedeschi Assistant Vice President, Compliance Officer Complying with the PCI DSS All the Moving Parts Don Roeber Vice President, PCI Compliance Manager Lisa Tedeschi Assistant Vice President, Compliance Officer Types of Risk Operational Risk Normal fraud

More information

Payment Card Industry Data Security Standard Training. Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc.

Payment Card Industry Data Security Standard Training. Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc. Payment Card Industry Data Security Standard Training Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc. March 27, 2012 Agenda Check-In 9:00-9:30 PCI Intro and History

More information

Adyen PCI DSS 3.0 Compliance Guide

Adyen PCI DSS 3.0 Compliance Guide Adyen PCI DSS 3.0 Compliance Guide February 2015 Page 1 2015 Adyen BV www.adyen.com Disclaimer: This document is for guidance purposes only. Adyen does not accept responsibility for any inaccuracies. Merchants

More information

This appendix is a supplement to the Local Government Information Security: Getting Started Guide, a non-technical reference essential for elected

This appendix is a supplement to the Local Government Information Security: Getting Started Guide, a non-technical reference essential for elected This appendix is a supplement to the Local Government Information Security: Getting Started Guide, a non-technical reference essential for elected officials, administrative officials and business managers.

More information

It is important to note, the payment brands and acquirers are responsible for enforcing compliance, not the PCI council.

It is important to note, the payment brands and acquirers are responsible for enforcing compliance, not the PCI council. PCI FAQ And MYTHS FREQUENTLY ASKED QUESTIONS (FAQ): Q: What is PCI? A: The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process,

More information

Registry of Service Providers

Registry of Service Providers Registry of Service Providers Program Guide Contents 1 2 1.1 What is the Registry of Service Providers? 2 1.2 Who can register? 3 1.3 Why register with Visa? 3 1.4 Implications for Visa Clients 4 2 5 2.1

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Self-Assessment Questionnaire D Service Providers For use with PCI DSS Version 3.1 Revision 1.1 July 2015 Section 1: Assessment

More information

Understanding Payment Card Industry (PCI) Data Security

Understanding Payment Card Industry (PCI) Data Security Understanding Payment Card Industry (PCI) Data Security Office of the State Controller November 2010 State of North Carolina The Enemy Major Security Breaches TJ-Max Heartland Hannaford Foods BJ s Wholesale

More information

PCI DSS Overview. By Kishor Vaswani CEO, ControlCase

PCI DSS Overview. By Kishor Vaswani CEO, ControlCase PCI DSS Overview By Kishor Vaswani CEO, ControlCase Agenda About PCI DSS PCI DSS Applicability to Banks, Merchants and Service Providers PCI DSS Technical Requirements Overview of PCI DSS 3.0 Changes Key

More information

P R O G R E S S I V E S O L U T I O N S

P R O G R E S S I V E S O L U T I O N S PCI DSS: PCI DSS is a set of technical and operational mandates designed to ensure that all organizations that process, store or transmit credit card information maintain a secure environment and safeguard

More information

PCI Compliance. How to Meet Payment Card Industry Compliance Standards. May 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP

PCI Compliance. How to Meet Payment Card Industry Compliance Standards. May 2015. cliftonlarsonallen.com. 2015 CliftonLarsonAllen LLP 2015 CliftonLarsonAllen LLP PCI Compliance How to Meet Payment Card Industry Compliance Standards May 2015 cliftonlarsonallen.com Overview PCI DSS In the beginning Each major card brand had its own separate

More information

Property of CampusGuard. Compliance With The PCI DSS

Property of CampusGuard. Compliance With The PCI DSS Compliance With The PCI DSS Today s Agenda PCI DSS Introduction How are Colleges and Universities Affected? How Do You Validate Compliance? Best Practices Q&A CampusGuard Full-Service QSA/ASV Firm We Know

More information

PCI DSS. CollectorSolutions, Incorporated

PCI DSS. CollectorSolutions, Incorporated PCI DSS Robert Cothran President CollectorSolutions www.collectorsolutions.com CollectorSolutions, Incorporated Founded as Florida C corporation in 1999 Approximately 235 clients in 35 states Targeted

More information

FREQUENTLY ASKED QUESTIONS The MasterCard Site Data Protection (SDP) Program

FREQUENTLY ASKED QUESTIONS The MasterCard Site Data Protection (SDP) Program FREQUENTLY ASKED QUESTIONS The MasterCard Site Data Protection (SDP) Program MERCHANTS Can Level 1 merchants currently use internal auditors to perform an onsite assessment? Yes. However, after June 30,

More information

PCI Compliance: How to ensure customer cardholder data is handled with care

PCI Compliance: How to ensure customer cardholder data is handled with care PCI Compliance: How to ensure customer cardholder data is handled with care Choosing a safe payment process for your business Contents Contents 2 Executive Summary 3 PCI compliance and accreditation 4

More information

PCI Standards: A Banking Perspective

PCI Standards: A Banking Perspective Slide 1 PCI Standards: A Banking Perspective Bob Brown, CISSP Wachovia Corporate Information Security Slide 2 Agenda 1. Payment Card Initiative History 2. Description of the Industry 3. PCI-DSS Control

More information

Payment Card Industry Compliance Overview

Payment Card Industry Compliance Overview January 31, 2014 11:30am 12:30pm Central Hosted by: Texas.gov Presented by: Jayne Holland Barbara Brinson Payment Card Industry Compliance Overview Securing Government Payments Audio Dial In: 866-740-1260

More information

PCI DSS Compliance What Texas BUC$ Need to Know! Ron King CampusGuard rking@campusguard.com

PCI DSS Compliance What Texas BUC$ Need to Know! Ron King CampusGuard rking@campusguard.com PCI DSS Compliance What Texas BUC$ Need to Know! Ron King CampusGuard rking@campusguard.com Whoops!...3.1 Changes 3.1 PCI DSS Responsibility Information Technology Business Office PCI DSS Work Information

More information

Cal Poly PCI DSS Compliance Training and Information. Information Security http://security.calpoly.edu 1

Cal Poly PCI DSS Compliance Training and Information. Information Security http://security.calpoly.edu 1 Cal Poly PCI DSS Compliance Training and Information Information Security http://security.calpoly.edu 1 Training Objectives Understanding PCI DSS What is it? How to comply with requirements Appropriate

More information

PCI DSS Presentation University of Cincinnati

PCI DSS Presentation University of Cincinnati PCI DSS Presentation University of Cincinnati Quick PCI Level Set Higher Ed Challenges Getting Compliant Application w/ customers Q& A PCI DSS Payment Card Industry Data Security Standard What is the PCI

More information

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire A and Attestation of Compliance

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire A and Attestation of Compliance Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire A and Attestation of Compliance Card-not-present Merchants, All Cardholder Data Functions Fully Outsourced Version 3.0 February

More information

Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions. Version 5.0 (April 2011)

Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions. Version 5.0 (April 2011) Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions Version 5.0 (April 2011) Contents Contents...2 Introduction...3 What are the 12 key requirements of

More information

Becoming PCI Compliant

Becoming PCI Compliant Becoming PCI Compliant Jason Brown - brownj52@michigan.gov Enterprise Security Architect Enterprise Architecture Department of Technology, Management and Budget State of Michigan @jasonbrown17 History

More information

Payment Card Industry Data Security Standards

Payment Card Industry Data Security Standards Payment Card Industry Data Security Standards The payment card industry data security standard PCI DSS Visa and MasterCard have developed the Payment Card Industry Data Security Standard or PCI DSS as

More information

Registration and PCI DSS compliance validation

Registration and PCI DSS compliance validation Visa Europe A Guide for Third Party Agents Registration and PCI DSS compliance validation October 2015 Version 1.1 Visa Europe 2015 Contents 1 Introduction... 4 1.1 Definitions of Agents... 4 2 Registration

More information

Project Title slide Project: PCI. Are You At Risk?

Project Title slide Project: PCI. Are You At Risk? Blank slide Project Title slide Project: PCI Are You At Risk? Agenda Are You At Risk? Video What is the PCI SSC? Agenda What are the requirements of the PCI DSS? What Steps Can You Take? Available Services

More information

Strategies To Effective PCI Scoping ISACA Columbus Chapter Presentation October 2008

Strategies To Effective PCI Scoping ISACA Columbus Chapter Presentation October 2008 Strategies To Effective PCI Scoping ISACA Columbus Chapter Presentation October 2008 Matthew T. Davis SecureState, LLC mdavis@securestate.com SecureState Founded in 2001, Based on Cleveland Specialized

More information

Securing The Data. Payment System Forum Bank Negara Malaysia. 27 th November 2014. Murugesh Krishnan Head of Risk, South & Southeast Asia

Securing The Data. Payment System Forum Bank Negara Malaysia. 27 th November 2014. Murugesh Krishnan Head of Risk, South & Southeast Asia Securing The Data Payment System Forum Bank Negara Malaysia 27 th November 2014 Murugesh Krishnan Head of Risk, South & Southeast Asia Disclaimer Case studies, statistics, research and recommendations

More information

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Instructions and Guidelines Version 1.1 February 2008 Table of Contents About this Document... 1 PCI Data Security Standard

More information

North Carolina Office of the State Controller Technology Meeting

North Carolina Office of the State Controller Technology Meeting PCI DSS Security Awareness Training North Carolina Office of the State Controller Technology Meeting April 30, 2014 agio.com A Note on Our New Name Secure Enterprise Computing was acquired as the Security

More information

PCI Compliance. Top 10 Questions & Answers

PCI Compliance. Top 10 Questions & Answers PCI Compliance Top 10 Questions & Answers 1. What is PCI Compliance and PCI DSS? 2. Who needs to follow the PCI Data Security Standard? 3. What happens if I don t comply? 4. What are the basic requirements

More information

What a Processor Needs from a University to Validate Compliance

What a Processor Needs from a University to Validate Compliance What a Processor Needs from a University to Validate Compliance Lisa T. Conroy Merchant Compliance Manager Vantiv May 24, 2016 Disclosures The information included in this presentation is for information

More information

Third Party Agent Registration and PCI DSS Compliance Validation Guide

Third Party Agent Registration and PCI DSS Compliance Validation Guide Visa Europe Third Party Agent Registration and PCI DSS Compliance Validation Guide May 2016 Version 1.3 Visa Europe 2015 Contents 1 Introduction... 4 1.1 Definitions of Agents... 4 2 Registration Process...

More information

* Any merchant that has suffered a hack that resulted in an account data compromise may be escalated to a higher validation level.

* Any merchant that has suffered a hack that resulted in an account data compromise may be escalated to a higher validation level. Q: What is PCI? A: The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Standard Attestation of Compliance for Self-Assessment Questionnaire D Service Providers Version 3.1 April 2015 Section 1: Assessment Information Instructions for Submission

More information

WHITE PAPER. PCI Basics: What it Takes to Be Compliant

WHITE PAPER. PCI Basics: What it Takes to Be Compliant WHITE PAPER PCI Basics: What it Takes to Be Compliant Introduction A long-running worldwide advertising campaign by Visa states that the card is accepted everywhere you want to be. Unfortunately, and through

More information

Payment Card Industry Data Security Standard (PCI DSS) v1.2

Payment Card Industry Data Security Standard (PCI DSS) v1.2 Payment Card Industry Data Security Standard (PCI DSS) v1.2 Joint LA-ISACA and SFV-IIA Meeting February 19, 2009 Presented by Mike O. Villegas, CISA, CISSP 2009-1- Agenda Introduction to PCI DSS Overview

More information

Protecting Your Customers' Card Data. Presented By: Oliver Pinson-Roxburgh

Protecting Your Customers' Card Data. Presented By: Oliver Pinson-Roxburgh Protecting Your Customers' Card Data Presented By: Oliver Pinson-Roxburgh Agenda Trustwave Overview PCI Scope Compromise Statistics PCI Makes Business Sense Registration Process TrustKeeper Features Support

More information

IT Security Compliance PCI DSS FOR MERCHANTS THE PAYMENT CARD INDUSTRY DATE SECURITY STANDARD WHITE PAPER

IT Security Compliance PCI DSS FOR MERCHANTS THE PAYMENT CARD INDUSTRY DATE SECURITY STANDARD WHITE PAPER July 9 th, 2012 Prepared By: Mark Akins PCI QSA, CISSP, CISA WHITE PAPER IT Security Compliance PCI DSS FOR MERCHANTS THE PAYMENT CARD INDUSTRY DATE SECURITY STANDARD PCI DSS for Merchants The Payment

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Onsite Assessments Service Providers Version 3.0 February 2014 Section 1: Assessment Information Instructions for Submission

More information

Q: What is PCI? Q: To whom does PCI apply? Q: Where can I find the PCI Data Security Standards (PCI DSS)? Q: What are the PCI compliance deadlines?

Q: What is PCI? Q: To whom does PCI apply? Q: Where can I find the PCI Data Security Standards (PCI DSS)? Q: What are the PCI compliance deadlines? Q: What is PCI? A: The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain

More information

Payment Card Industry Data Security Standards Compliance

Payment Card Industry Data Security Standards Compliance Payment Card Industry Data Security Standards Compliance Please turn off, or to vibrate, all cell-phones/electronics Expected course length: 1 Hour Questions are welcomed. Who Created It? & What Is It?

More information

PCI Overview. PCI-DSS: Payment Card Industry Data Security Standard

PCI Overview. PCI-DSS: Payment Card Industry Data Security Standard PCI-DSS: Payment Card Industry Data Security Standard Why is this important? Cardholder data and personally identifying information are easy money That we work with this information makes us a target That

More information

Office of Finance and Treasury

Office of Finance and Treasury Office of Finance and Treasury How to Accept & Process Credit and Debit Card Transactions Procedure Related Policy Title Credit Card Processing Policy For University Merchant Locations Responsible Executive

More information

Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS)

Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS) Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS) What is PCI DSS? The 12 Requirements Becoming compliant with SaferPayments Understanding the jargon SaferPayments Be smart.

More information

Payment Card Security

Payment Card Security Payment Card Security January 31, 2008 Kieran Norton, Senior Manager Security & Privacy Services, Deloitte & Touche LLP Focus of the Presentation PCI Overview Background Current Environment Key Considerations

More information

La règlementation VisaCard, MasterCard PCI-DSS

La règlementation VisaCard, MasterCard PCI-DSS La règlementation VisaCard, MasterCard PCI-DSS Conférence CLUSIF "LES RSSI FACE À L ÉVOLUTION DE LA RÉGLEMENTATION" 7 novembre 07 Serge Saghroune Overview of PCI DSS Payment Card Industry Data Security

More information

PC-DSS Compliance Strategies. 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA

PC-DSS Compliance Strategies. 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA PC-DSS Compliance Strategies 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA True or False Now that my institution has outsourced credit card processing, I don t have to worry about compliance?

More information

Frequently Asked Questions

Frequently Asked Questions Contents CISP Program Overview... 2 1. To whom does CISP apply?...2 2. What does VISA define as "cardholder data"?...2 3. What if a merchant or service provider does not store Visa cardholder data?...2

More information

Two Approaches to PCI-DSS Compliance

Two Approaches to PCI-DSS Compliance Disclaimer Copyright Michael Chapple and Jane Drews, 2006. This work is the intellectual property of the authors. Permission is granted for this material to be shared for non-commercial, educational purposes,

More information

Technical breakout session

Technical breakout session Technical breakout session Small leaks sink great ships Managing data security, fraud and privacy risks Tarlok Birdi, Deloitte Ron Borsholm, WTS May 27, 2009 Agenda 1. PCI overview: the technical intent

More information

PCI Compliance Top 10 Questions and Answers

PCI Compliance Top 10 Questions and Answers Where every interaction matters. PCI Compliance Top 10 Questions and Answers White Paper October 2013 By: Peer 1 Hosting Product Team www.peer1.com Contents What is PCI Compliance and PCI DSS? 3 Who needs

More information

Cyber - Security and Investigations. Ingrid Beierly August 18, 2008

Cyber - Security and Investigations. Ingrid Beierly August 18, 2008 Cyber - Security and Investigations Ingrid Beierly August 18, 2008 Agenda Visa Cyber - Security and Investigations Today s Targets Recent Attack Patterns Hacking Statistics (removed) Top Merchant Vulnerabilities

More information

Data Security Requirements for K-12 January 28, 2010. Payment Card Industry (PCI)

Data Security Requirements for K-12 January 28, 2010. Payment Card Industry (PCI) CUR RITY SE Data Security Requirements for K-12 January 28, 2010 Payment Card Industry (PCI) SE CUR RITY 1 Welcome To Join The Voice Conference Dial 866-939-3921 Technical issues press 0 Q & A We ll leave

More information

PROTECTION OF OUR MERCHANTS AND REFERRAL PARTNERS IS OUR FIRST CONCERN

PROTECTION OF OUR MERCHANTS AND REFERRAL PARTNERS IS OUR FIRST CONCERN PCI Q: What is PCI? A: The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information

More information

PCI Compliance : What does this mean for the Australian Market Place? Nov 2007

PCI Compliance : What does this mean for the Australian Market Place? Nov 2007 Sense of Security Pty Ltd (ABN 14 098 237 908) 306, 66 King St Sydney NSW 2000 Australia Tel: +61 (0)2 9290 4444 Fax: +61 (0)2 9290 4455 info@senseofsecurity.com.au PCI Compliance : What does this mean

More information

Information Technology

Information Technology Credit Card Handling Security Standards Overview Information Technology This document is intended to provide guidance to merchants (colleges, departments, organizations or individuals) regarding the processing

More information

Complying with Payment Card Industry Data Security Standards (PCI DSS) Requirements. Approaches in Higher Education

Complying with Payment Card Industry Data Security Standards (PCI DSS) Requirements. Approaches in Higher Education September 28, 2010 Complying with Payment Card Industry Data Security Standards (PCI DSS) Requirements Approaches in Higher Education Dennis W. Reedy Managing Director, Treasury Operations Indiana University

More information

Introduction to PCI Compliance

Introduction to PCI Compliance Introduction to PCI Compliance Who is HALOCK Security Labs? Established in 1996 Focused 100% on security since 1999 One of less than 5 QSA approved companies based in Chicago All Partners and Directors

More information

University Policy Accepting and Handling Payment Cards to Conduct University Business

University Policy Accepting and Handling Payment Cards to Conduct University Business BROWN UNIVERSITY University Policy Accepting and Handling Payment Cards to Conduct University Business Table of Contents Purpose... 2 Scope... 2 Authorization... 2 Establishing a new account... 2 Policy

More information

Appendix 1 Payment Card Industry Data Security Standards Program

Appendix 1 Payment Card Industry Data Security Standards Program Appendix 1 Payment Card Industry Data Security Standards Program PCI security standards are technical and operational requirements set by the Payment Card Industry Security Standards Council to protect

More information

AISA Sydney 15 th April 2009

AISA Sydney 15 th April 2009 AISA Sydney 15 th April 2009 Where PCI stands today: Who needs to do What, by When Presented by: David Light Sense of Security Pty Ltd Agenda Overview of PCI DSS Compliance requirements What & When Risks

More information

Payment Card Industry Data Security Standard

Payment Card Industry Data Security Standard Payment Card Industry Data Security Standard Office of the State Treasurer Ryan Pitroff Banking Services Manager Ryan.Pitroff@tre.wa.gov PCI-DSS A common set of industry tools and measurements to help

More information

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire D and Attestation of Compliance

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire D and Attestation of Compliance Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire D and Attestation of Compliance All other SAQ-Eligible Merchants and Service Providers Version 2.0 October 2010 Document

More information

PCI DSS and SSC what are these?

PCI DSS and SSC what are these? PCI DSS and SSC what are these? What does PCI DSS mean? PCI DSS is the English acronym for Payment Card Industry Data Security Standard. What is the PCI DSS programme? The bank card data, which are the

More information

PCI-DSS Compliance. Ron Dinwiddie Chief Technology Officer J. Spargo & Associates

PCI-DSS Compliance. Ron Dinwiddie Chief Technology Officer J. Spargo & Associates PCI-DSS Compliance Ron Dinwiddie Chief Technology Officer J. Spargo & Associates Agenda What is PCI Compliance Why is PCI Important How does this impact me? Becoming PCI Compliant JSA PCI Strategy Risk

More information

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program Visa Account Information Security Tool Kit Welcome to the Visa Account Information Security Program 2 Contents 1. Securing cardholder data is everyone s concern 4 2. Visa Account Information Security (AIS)

More information

PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES

PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES CUTTING THROUGH THE COMPLEXITY AND CONFUSION Over the years, South African retailers have come under increased pressure to gain PCI DSS (Payment Card Industry

More information

DATA SECURITY. Payment Card Industry (PCI) Compliance Steps for Organizations May 26, 2010. 2010 Merit Member Conference

DATA SECURITY. Payment Card Industry (PCI) Compliance Steps for Organizations May 26, 2010. 2010 Merit Member Conference 2010 Merit Member Conference Compliance Steps for Organizations May 26, 2010 Payment Card Industry (PCI) 1 Welcome 2 Welcome Q & A We ll leave time to address questions during the last 15 minutes of the

More information

BRAND-NAME is What COUNTS!!!

BRAND-NAME is What COUNTS!!! BRAND-NAME is What COUNTS!!! USE PCI-DSS and make a name for your business Amit Jain Lead Solution Architect Aug 2015 Who We Are WHO WE ARE Company facts and figures ESTABLISHED TRUSTED 1995 BY MORE THAN

More information

Section 3.9 PCI DSS Information Security Policy Issued: June 2016 Replaces: January 2015

Section 3.9 PCI DSS Information Security Policy Issued: June 2016 Replaces: January 2015 Section 3.9 PCI DSS Information Security Policy Issued: June 2016 Replaces: January 2015 I. PURPOSE The purpose of this policy is to establish guidelines for processing charges on Payment Cards to protect

More information

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Instructions and Guidelines Version 2.0 October 2010 Document Changes Date Version Description October 1, 2008 1.2 October

More information

TNHFMA 2011 Fall Institute October 12, 2011 TAKING OUR CUSTOMERS BUSINESS FORWARD. The Cost of Payment Card Data Theft and Your Business

TNHFMA 2011 Fall Institute October 12, 2011 TAKING OUR CUSTOMERS BUSINESS FORWARD. The Cost of Payment Card Data Theft and Your Business TAKING OUR CUSTOMERS BUSINESS FORWARD The Cost of Payment Card Data Theft and Your Business Aaron Lego Director of Business Development Presentation Agenda Items we will cover: 1. Background on Payment

More information

PCI Data Security Standards

PCI Data Security Standards PCI Data Security Standards An Introduction to Bankcard Data Security Why should we worry? Since 2005, over 500 million customer records have been reported as lost or stolen 1 In 2010 alone, over 134 million

More information