Request For Proposal (RFP) of Continuous Information System Audit

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1 DENA BANK Request For Proposal (RFP) of Continuous Information System Audit Tender Ref: HO/INSP/RFP/1011/2015 IS AUDIT CELL HEAD OFFICE 8/13/2015 This tender is meant for the exclusive purpose of bidding as per the terms & conditions and specifications indicated. It shall not be transferred, reproduced or otherwise used for purposes other than for which it is specifically issued. I

2 TABLE OF CONTENTS SN SUBJECT PAGE NUMBER 1. Bid Details IV 2. RFP Terminologies IV 3. Section I: Introduction and Disclaimers. 1.1 Invitation. 1.2 Purpose. 1.3 Information provided. 1.4 Disclaimer. 1.5 Costs Borne by Respondents. 1.6 No Legal Relationship. 1.7 Recipient Obligation to Inform Itself. 1.8 Evaluation of Offers. 1.9 Errors And Omissions Acceptance of Terms Submission of Bids Submission Will be valid if Registration of RFP Tender Validity Period Requests For Information Notification Disqualification Clarifications & Amendments. 4. Section II : Background. 2.1 About Dena Bank. 2.2 IT Set Up. 5. Section III: Requirements. 3.1 Audit Objectives. 3.2 Audit Approaches. 3.3 Audit Methodology. 3.4 Auditors. 3.5 Audit Scope. 3.6 Audit Findings & Reports Detailed Findings / Overall Risk Rating Follow-Up and Compliance Regulatory Compliance Certificate Reporting Schedule. 3.7 Duration of Audit. 3.8 Earnest Money Deposit. 3.9 Application Money Submission of Bids Technical Bid Commercial Bid Performance bank Guarantee II

3 SN SUBJECT PAGE NUMBER 3.14 Security Requirements Vendor s Obligation Section IV: general terms & Conditions Adherence to Terms and Conditions Other terms and conditions Substitution of Project Team Members Professionalism Adherence to Standards Terms of Payment Liquidated Damages (LD) Indemnity Authorized Signatory Applicable Law and Jurisdiction of court Cancellation of Contract And Compensation Non Payment of Professional Fees Assignment Subcontracting SP Selection/Evaluation Process Empanelment Section V: Supplemental Terms And Conditions. 5.1 Proprietary and Related Rights. 5.2 Confidential Information. 5.3 Management responsibilities. 5.4 Relationship of Parties. 5.5 Other Provisions. 5.6 Dispute Resolution Procedures. 5.7 Force Majeure. 8 Section VI: Scope Of Audit. 6.1 Network Management & Security Audit. 6.2 Disaster Recovery Site BCP. 6.3 Near DR BCP. 6.4 Data Centre - CBS Operations IS Audit of Data Centre & PO operations for Core Banking System Application Review of Core Banking software DBMS and data security Out Sourcing Arrangement Review - All IT related services ATM Centre and Card Operations and Reconciliation Internet/Mobile Banking Application Software (in house developed) III

4 1. Bid Details 1 Date of commencement of Bidding Process (Posting of Tender Document on Web Site / Publication of Tender) 2 Last date and time for downloading Bidding Documents 3 Last date and time for receipt of written queries for clarification from bidders 4 Pre-Bid Meeting for bidders who have paid application Money (If required) PM at 5th Floor, Dena Corporate Centre, C-10, G Block, BKC, Bandra (East), Mumbai Last Date and Time for Bid Submission PM 6 Tentative Date and Time of Technical Bid Opening PM 7 Place of opening of Bids Mumbai 8 Address for communication ( Bank ) Inspection & Internal Audit Dept. Dena Bank Building, 4th Floor,17-B Horniman Circle, Fort, Mumbai Cost of RFP Rs.5000/- 10 Earnest Money Deposit Rs /- 11 Tentative Date of Commercial Bid Opening * All dates mentioned above are tentative dates and the bidder acknowledges that it cannot hold the Bank responsible for breach of any of the dates 2. RFP Terminologies: SN Words/Phrases Definitions 1 Bidder/ Service Provider (SP)/ System Integrator An eligible entity/firm submitting a Proposal/Bid in response to this RFP 2 Supplier/ Contractor/ Vendor Selected Bidder/System Integrator under this RFP. 3 Bank/ Purchaser Reference to the Bank, Bank and Purchaser shall be determined in context and may mean without limitation Dena Bank. 4 Proposal/ Bid the Bidder s written reply or submission in response to this RFP 5 RFP The request for proposal (this document) in its entirety, inclusive of any addenda that may be issued by the Bank. 6 Solution/ Services/ Work/ System/IT System Solution or Services or Work or System or IT System means all services, scope of work and deliverables to be provided by a Bidder as described in the RFP and include services ancillary to the development of the solution, such as installation, commissioning, integration with existing systems, provision of technical assistance, training, certifications, auditing and other obligation of the Supplier covered under the RFP. 7 Project Cost Project cost would be initial cost/ onetime cost/ fees / development Cost/ installation cost/ commissioning cost/ integration cost with existing systems/ customization cost/ training cost / technical assistance. IV

5 SECTION I INTRODUCTION AND DISCLAIMERS 1.1 INVITATION DENA BANK invites sealed Technical & Commercial Bid from eligible bidders for IS Audit assignment. The criteria and the actual process of evaluation of the responses to this RFP and subsequent selection of the successful bidder will be entirely at Bank s discretion. This RFP seeks proposal from Bidders who have the necessary experience, capability & expertise to provide service adhering to Bank s requirement outlined in this RFP. This RFP is not an offer by Bank, but an invitation to receive responses from the Bidders. No contractual obligation whatsoever shall arise from the RFP process unless and until a formal contract is signed and executed by duly authorized official(s) of Bank with a selected Bidder. 1.2 PURPOSE The purpose of this RFP is to solicit proposal from qualified bidders for IS Audit assignment of CBS & allied infrastructure as per the Scope defined in the RFP and as well as to provide the Bidder(s) with information to assist the formulation of their proposals. a) Bank desires to have an external examination of the IT Security by a CERT-In empanelled reputed IS Audit firm to ward off risks in the IT Domain by arranging Systems Audit by a professional agency and appraise the findings thereof to the Audit Committee of the Board. b) To comply with RBI guidelines vide Circular letter No. RBI/ /494; DBS.CO.ITC.BC.No.6/ / dated on IS Audit and to use automated tools such as automated worksheets, audit accelerators, CAATs (customized to meet Bank s IS Audit requirements) c) Determining effectiveness of planning and oversight of IT activities. d) Evaluating adequacy of operating processes and internal controls. e) Determining adequacy of enterprise-wide compliance efforts, related to IT policies and internal control procedures. f) Identifying areas with deficient internal controls, recommend corrective action to address deficiencies and follow-up, to ensure that the management effectively implements the required actions. g) To determine the adequacy of existing internal IS Audits and suggestions if any, for improvement thereof. 1.3 INFORMATION PROVIDED The RFP document contains statements derived from information that is believed to be reliable at the date obtained but does not purport to provide all of the information that may be necessary or desirable to enable an intending contracting party to determine whether or not to enter into a contract or arrangement with Bank in relation to the provision of services. Neither Bank nor any of its employees, agents, contractors, or advisers gives any representation or warranty, express or implied as to the accuracy or completeness of any information or statement given or made in this RFP document. Neither Bank nor any of its employees, agents, contractors, or advisers has carried out or will carry out an independent audit or verification or due diligence exercise in relation to the 1

6 contents of any part of the RFP document. 1.4 DISCLAIMER The information contained in this RFP document or information provided subsequently to Bidder(s) or applicants whether verbally or in documentary form by or on behalf of Dena Bank (Bank), is provided to the Bidder(s) on the terms and conditions set out in this RFP document and all other terms and conditions subject to which such information is provided. This RFP is neither an agreement nor an offer and is only an invitation by Bank to the interested parties for submission of bids. This RFP does not claim to contain all the information each Bidder may require. Each Bidder should conduct its own investigations and analysis and should check the accuracy, reliability and completeness of the information in this RFP and where necessary obtain independent advice. Bank makes no representation or warranty and shall incur no liability under any law, statute, rules or regulations as to the accuracy, reliability or completeness of this RFP. Bank may in its absolute discretion, but without being under any obligation to do so, update, amend or supplement the information in this RFP. No contractual obligation whatsoever shall arise from the RFP process until a formal contract is signed and executed by duly authorized officers of the Bank with the selected Bidder. Subject to any law to the contrary, and to the maximum extent permitted by law, Bank and its officers, employees, contractors, agents, and advisers disclaim all liability from any loss or damage (whether foreseeable or not) suffered by any person acting on or refraining from acting because of any information, including forecasts, statements, estimates, or projections contained in this RFP document or conduct ancillary to it whether or not the loss or damage arises in connection with any negligence, omission, default, lack of care or misrepresentation on the part of Bank or any of its officers, employees, contractors, agents, or advisers. 1.5 COSTS BORNE BY RESPONDENTS All costs and expenses incurred by Recipients / Respondents in any way associated with the development, preparation, and submission of responses, including but not limited to attendance at meetings, discussions, demonstrations, etc. and providing any additional information required by Bank, will be borne entirely and exclusively by the Recipient / Respondent. 1.6 NO LEGAL RELATIONSHIP No binding legal relationship will exist between any of the Recipients / Respondents and Bank until execution of a contractual agreement. 1.7 RECIPIENT OBLIGATION TO INFORM ITSELF The Recipient must conduct its own investigation and analysis regarding any information contained in the RFP document and the meaning and impact of that information. 1.8 EVALUATION OF OFFERS Each Recipient acknowledges and accepts that Bank may, in its absolute discretion, apply whatever criteria it deems appropriate in the selection of organizations, not limited to those selection criteria set out in this RFP document. The RFP document will not be construed as any contract or arrangement which may result from the issue of this RFP document or any investigation or review carried out by a Recipient. The Recipient acknowledges by submitting its response to this RFP document that it has not relied on any information, representation, or warranty given in this RFP document. 2

7 1.9. ERRORS AND OMISSIONS Each Recipient should notify Bank of any error, omission, or discrepancy found in this RFP document ACCEPTANCE OF TERMS A Recipient will, by responding to Bank RFP, be deemed to have accepted the terms of this Introduction and Disclaimer SUBMISSION OF BIDS One (1) Hard copy duly signed by authorized person and one (1) electronic copy (excluding commercial bid) in MS-Word / PDF format on CD ROM should to be submitted to Bank s Evaluation Office at the following address: The Deputy General Manager (Inspection) Dena Bank Inspection & Internal Audit Dept. Dena Bank Building, 4th Floor 17-B Horniman Circle Fort, Mumbai SUBMISSION WILL BE VALID IF: Application Money is paid before pre-bid meeting by those attending the pre-bid meeting. Copies of the RFP are submitted before the scheduled closing time. Bids are submitted in two separate sealed envelopes with separate marking Technical Proposal & Commercial Proposal. Soft copies of all Annexure must be provided in a CD in sealed cover. EMD is paid & receipt is enclosed. Note: 1. Faxed copies of any submission are not acceptable and will be rejected by the Bank 2. If the submission does not include all the information required or is incomplete, the Proposal is liable to be rejected. Only One Submission Permitted Only one submission of tender by each SP will be permitted. In case of partnerships / consortium, only one submission is permitted through the SP REGISTRATION OF RFP Registration will be effected upon Bank receiving the RFP response in the above manner (Para 1.12). All submissions, including any Banking documents, will become the property of Bank. Recipients shall be deemed to license, and grant all rights to, Bank to reproduce the whole or any portion of their submission for the purpose of evaluation, to disclose the contents of the submission to other Recipients who have registered a submission and to disclose and/or use the contents of the submission as the basis for any resulting RFP process, notwithstanding any copyright or other intellectual property right that may subsist in the submission or Banking documents TENDER VALIDITY PERIOD The bids will remain valid for a period of at least six (6) months from the date of opening the technical bids REQUESTS FOR INFORMATION Recipients are required to direct all communications related to this RFP through the Nominated 3

8 Point of Contact person i.e. Asst. General Manager (Inspection) Dena Bank H.O. 4th Floor, 17B-Horniman Circle Fort, Mumbai / / , All questions relating to the RFP, technical or otherwise, must be in writing only to the Nominated Point of Contact. Bank will not answer any communication initiated by Respondents later than five business days prior to the due date for bids submission. However, Bank may in its absolute discretion seek, but under no obligation to seek, additional information or material from any Respondents after the tender closes and all such information and material provided must be taken to form part of that Respondent s response. Respondents should invariably provide details of their address (es) as responses to queries will only be provided to the Respondent via . If Bank in its absolute discretion deems that the originator of the question will gain an advantage by a response to a question, then Bank reserves the right to communicate such response to all Respondents. Bank may in its absolute discretion engage in discussion or negotiation with any Respondent (or simultaneously with more than one Respondent) after the tender closes to improve or clarify any response NOTIFICATION Bank will notify the Respondents in writing as soon as practicable about the outcome of the RFP evaluation process, including whether the Respondent s RFP response has been accepted or rejected. Bank is not obliged to provide any reasons for any such acceptance or rejection DISQUALIFICATION Any form of canvassing/lobbying/influence/query regarding short listing, status etc will be a disqualification CLARIFICATIONS & AMENDMENTS If deemed necessary the Bank may seek clarifications on any aspect from the bidder. However that would not entitle the bidder to change or cause any change in the substances of the bid already submitted or the price quoted. The bidder may be asked to give presentation for the purpose of clarification of the bid The Bidder requiring any clarification of the bidding documents should submit written queries on or before to the Assistant General Manager (Inspection & Internal Audit Dept), 4 th Floor, Dena Bank Building, 17-B Horniman Circle, Fort, Mumbai At any time prior to the deadline for submission of bids, Bank may modify the bidding document by amendment. 4

9 Section II BACKGROUND 2.1 ABOUT DENA BANK Dena Bank was founded on 26th May, 1938 by the family of Shri. Devkaran Nanjee under the name Devkaran Nanjee Banking Company Ltd. It became a Public Ltd. Company in December 1939 and later the name was changed to Dena Bank Ltd. In July 1969 Dena Bank Ltd. along with 13 other major banks was nationalized and is now a Public Sector Bank constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act, Under the provisions of the Banking Regulations Act 1949, in addition to the business of banking, the Bank can undertake other business as specified in Section 6 of the Banking Regulations Act, The present organisational structure of the Bank consists of four tiers viz., Corporate Office (CO), Field General Manager Offices (FGMO), Zonal Offices (ZO) and Branches. CO, consisting of various functional departments deals with mainly policy formulation, setting of targets and monitoring of performance. The Bank has set up 4 FGMOs and 29 Zonal Offices to exercise immediate supervision and control over the branches under their jurisdiction. The Bank has a network of 1664 branches spread across the length and breadth of the country The Bank also has specialized branches catering to the specific needs of Retail customers, Industrial units, corporate clients, Forex dealers, Exporters and Importers, Small Scale Industries and Agricultural sector. The Bank has sponsorship in 2 Regional Rural Banks (RRB). Bank has implemented Core Banking Solution - Finacle from Infosys. Presently all the 1664 branches and ROs are connected to the CBS. The Data Centre of the Bank and the CBS Project Office of the Bank are located at Jogeshwari-West, Mumbai The Bank has chosen Finacle Software of M/s.Infosys Ltd., as the Core Banking Solution and the CBS project is implemented and supported by M/s. Wipro. The D/R Data Centre is located at Bangalore. Bank s Mission Dena Bank will provide its customers premier financial services of great value, staff - positive work environment and opportunity for growth and achievement and shareholders superior financial returns, community economic growth. 2.2 IT SET UP CBS and Other Details First branch was migrated to CBS on 12th March All branches have been brought under the CBS platform covering 1208 centres / 29 Zones (Excluding HO) / 31 States & Union Territories. Bank has set up its own network named as DENANET using 2292 Leased Lines, 785 ISDN PRI/BRI lines and 601 VSATs connecting all branches and 30 administrative offices as on This network supports Bank s inter connected ATMs seamlessly. Critical applications like Internet / Mobile Banking and NEFT / Real Time Gross Settlement (RTGS) transactions and other functions like sending OLTAS data to OLTAS Nodal/Link branches, the corporate service, MIS data transfer between branches, Zonal Offices & Corporate Office and remote support to Branches / ZO are enabled by Denanet. 5

10 Data Centre & Project Office : Jogeshwari (W), Mumbai DR Site : Electronic City, Bangalore Near DR Site : Vikhroli, Mumbai Location : No. of Firewalls Routers Switches NIPS Servers Data Centre & HO-BKC: DR Site : Near DR : A total of 1482 ATMs have been installed all over the country. Out of these ATMs, 1357 are on site and 125 are off site as on With a view to expand the ATM access to our customers for carrying banking transactions, we have also tied up with the following banks and ATM networks for mutual sharing of ATMs: 1. Cash tree group of Banks (Bank of India, United Bank of India, Syndicate Bank, Indian Bank, Union Bank of India, Bank of Rajasthan, Indian Overseas Bank, Karnataka bank, Yes Bank, Dhanalakshmi Bank Ltd etc) 2. Cash net group of Banks (Axis Bank, Citibank, Corporation Bank, Development Credit Bank, Deutsche Bank, HDFC, IDBI Bank, HSBC, Standard Chartered Bank, ING Vysya Bank, Barclays, Kotak Mahindra Bank and Dhanalakshmi Bank Ltd) 3. National Financial Switch (NFS) group of Banks (Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Corporation Bank, Central Bank of India, HDFC Bank, ICICI bank, IDBI, Indian Bank, Indian Overseas Bank, Punjab National Bank, State Bank of India, Syndicate Bank, UCO Bank, United Bank of India, Union Bank of India, Vijaya Bank etc) 4. VISA enabled ATM network 6

11 Section III REQUIREMENTS 3.1 AUDIT OBJECTIVES The Bank wishes to appoint competent Service Provider ( SP) for conducting an IS Audit of its IT Security architecture and Information System resources and infrastructure with the major objectives of evaluation of internal system and control for Assessing the security, availability and efficiency of IT assets of the Bank Assessing the confidentiality, integrity and availability of information system Assessing the integrity of general operating system, Database, Network connectivity, Network equipment, Telecommunication equipment, any special security infrastructure such as biometric equipment Assessing the integrity of sensitive and critical application systems environment, including financial and management information Assessing the efficiency and effectiveness of Information System The IS auditors will require to concentrate on the following to ensure that the Information Systems Assets of the organization are safeguarded: a) Environmental Security b) Data c) Uninterrupted Power Supply d) Electrical Lines e) Data Cables & Networking Products f) Fire Protection g) Insurance of Assets h) Annual Maintenance Contract i) Logical Security & Access Control - Operating System Level j) Logical Security & Access Control Application System Level k) Logical Security & Access Control Network System Level Assessment of Fraud (risk of fraud internal and external) Gap Assessment for complying with RBI guidelines ( Gopalakrishnan Committee ) The SP will be responsible as per the scope and timelines outlined below AUDIT APPROACHES Information Systems Audit will be facilitated through a combination of techniques and tools in Audit project Planning Documentation review Manual and automated controls testing using IS Audit checklists based on globally accepted standards and RBI guidelines/ Circulars / IT Act. Audit reports: High level summary for the management Detailed findings along with recommendations Audit findings to be classified as Low, Medium, High within each specific audits 7

12 3.3 AUDIT METHODOLOGY The IS audit work to include manual procedures, computer assisted procedures and fully automated procedures wherever applicable. The necessary software tools / applications will have to be devised by the contractor to carry out IS Concurrent Audit work. Such tools / applications will be put in use by the contractor after approval by the Bank with / without changes, if any, suggested by the Bank. The expenditure of development of such tools / applications will be considered as a part of contract value and no payment will be made by the Bank separately. The software tools / applications to be deployed by the contractor shall conform to Bank s software development policy, application security policy, user password management policy of the Bank and are immune to know vulnerabilities such as web applications not conforming to Open Web Application Security Policy Project (OWASP) standards. 3.4 AUDITORS: Audit should be carried out by CERT-In empanelled audit firm by persons having CISA/ CISSP / CISM qualifications with at least one IS audit experience of Data Centre (DC) of any scheduled commercial bank in India. The Core Audit Team proposed by the SP should be employers on the rolls of the SP. No part of the engagement shall be outsourced by the selected SP to third party vendor. SP must warrant that these key auditors to be displayed in this audit have been sufficiently involved in similar audits in the past. SP should ensure that the audit team is actively involved in the conduct of the audit. The audit of DCA should be carried out by one team on daily visit to Data Centre and Project Office throughout the period of contract. The other areas are to be carried out by other team depending on the frequency of reporting with prior permission from the Bank s IS Audit Head. The leader of the team conducting IS Audit of DCA shall be the single contact point or co-ordinator for all the activities mentioned in the RFP. 3.5 AUDIT SCOPE: A description of the envisaged scope is enumerated in brief as under and an indicate detail in Section - VI. However, the Bank reserves its right to change the scope of the RFP considering the size and variety of the requirements and the changing business conditions. The Bank groups the entire proposed audits into 15 Areas as under: SN Area Details of area for audit 1 DCA Data Centre & Project Office Continuous IS Audit (daily) 2 VAPT Vulnerability Assessment &Penetration Testing 3 DRS DRS site Bangalore 4 NDR NDR Mumbai 5 SRP Short Range IT Plans 6 DC-CBS DC- CBS Operation 7 LTS Long Term IT Strategy 8 SUA Software Utilisation Audit 9 DSMA Data and System Migration Audit 10 SNSD System, Network and Security Devices Baseline standards and configuration Audit 11 NET Network Management 12 ATM ATM, Internet Banking / Mobile Banking / IT Products/ newly launched alternate delivery channel systems 13 PSW Acquisition and Implementation of Packaged Software 14 ISW Development of Software in-house and outsourced 15 OUT Audit of Outsourcing Arrangements (all IT related services) Page 8 of 49

13 16 ISS IS Security Policy (Implementation is verified in the above areas) 17 ISA IS Audit Guidelines & Checklist Based on the contents of the RFP, the selected SP shall be required to independently arrive at Audit Methodology, based on globally acceptable standards and best practices The Bank expressly stipulates that the SP s selection under this RFP is on the understanding that this RFP contains only the principal provisions for the entire audit assignment. The SP shall be required to undertake to perform all such tasks, render requisite services and make available such resources as may be required for the successful completion of the entire audit assignment at no additional cost to the Bank. VAPT: The SP should carry out Vulnerability Assessment and penetration testing covering the operating systems, databases, network and security infrastructure and various on-line channels facing customers. The SP shall review compliance done by Bank on the Audit observations of the Previous Audits of all areas. If Bank desires, during the review of compliance SP should involve one representative of the IS Audit Cell to validate the checklist and guidelines provided by the SP. 3.6 AUDIT FINDINGS & REPORTS: Risk analysis along with Risk Matrix with scoring model should be submitted as part of audit findings. Deliverables under the IS Audit the SP will deliver detailed reports (an indicative to cover area wise) as below: Verification and submission of compliance to previous audit as per the Bank s format IS Audit (Technical & Process) Report of all the areas covering the objectives, efficiency and effectiveness Presentation to the Top Management of the findings of the Reports (quarterly) Risk Matrix Analysis Report Recommendations for Risk Mitigation Gap assessment and recommendation for mitigation Provide check list with guidelines for the subsequent audit (hard & soft copies) Provide re-designed network & security architecture along with technical specifications of network & security solutions (if any suggested during the review of IT infrastructure) based on the operational and business requirements of Dena Bank. These technical specifications can be used by Dena Bank for selecting products / solutions. The report findings should cover all the areas separately mentioned in the scope. The report findings should be submitted in PDF and MS Word formats. Day to Day observations (area- DCA) should be submitted in Excel format or on-line system available in the Bank Significant findings should be promptly communicated to the appropriate person prior to the submission of final report. All observations should be thoroughly discussed with process owner before finalization of report. The Report should comprise of the following sub-reports: Executive Summary: - An executive summary should form a part of the REPORT. Core Findings along with Risk Analysis: 9

14 The SP will submit a report bringing out the core findings of the IS Audit exercise in the existing practices along with Risk Analysis of individual items, with reference to the best practices & standards DETAILED FINDINGS / OVERALL RISK RATING: The detailed findings of the Audit would be brought out in this report which will cover in details all aspects viz. identification of flaws / gaps /vulnerabilities in the systems (specific to equipment/resources indicating name and IP address of the equipment with Office and Department name), identifications of threat sources, identification of Risk, Identification of inherent weaknesses, Servers/Resources affected with IP Addresses etc. Report should classify the observations into Critical /Non Critical category and asses the category of Risk Implication as EXTREMELY HIGH/VERY HIGH/HIGH/MEDIUM/LOW RISK based on the impact. The Reports should be substantiated with the help of snap shots/evidences /documents etc. from where the observations were made. Suitable weightage to each observation should be given and the SP should arrive at the overall Risk rating, in terms of Scores. In Depth Analysis of findings /Corrective Measures & Suggestions along with Risk Analysis: The findings of the entire IS Audit Process should be critically analysed and controls should be suggested as corrective /preventive measures for strengthening / safeguarding the IT assets of the Bank against existing and future threats in the short /long term. Report should contain suggestions/recommendations for improvement in the systems wherever required. Also, if the formal procedures are not in place for any activity, evaluate the process & the associated risks and give recommendations for improvement as per the best practices FOLLOW-UP AND COMPLIANCE The Audit firm will submit quarterly compliance reports, summary compliance report (furnishing total number of points, complied and pending status as per format given by the bank) at end of each quarter and a final compliance report after all observations are complied for the projects separately or one year from the date of commencement of the Audit REGULATORY COMPLIANCE CERTIFICATE: During the audit regulatory compliance certificate should be provided by the SP and some indicative list is as under: I) A certificate as per RBI guidelines of the Payment System Operated under the PSS Act, 2007 (RBI circular No. DPSS.AD.No./ 1206/ / dated 7th December, 2009 ) II) A certificate as per RBI guidelines for Internet Banking, Mobile Banking and other delivery channels III) IS Audit of RA Office certificate (IDRBT) 10

15 REPORTING SCHEDULE: Area Details of area for audit Reporting DCA Data Centre & Project Office Everyday submission (soft copy) & Continuous IS Audit (daily) consolidated Monthly by 10 th of subsequent month VAPT VAPT DRS DRS site Bangalore NDR NDR Mumbai SRP Short Range IT Plans Quarterly by 10 th of July, October, January & April Including compliance verification of all areas. Presentation to Management (Auditee s compliance Auditor s performance review) and if any revisions proposed in the Checklist or any deliverable formats should be incorporated by the SP. NET ATM Network Management ATM, Internet Banking / Mobile Banking / IT Products PSW Acquisition and Implementation of Packaged Software ISW Development of Software in-house and outsourced OUT Audit of Outsourcing Arrangements (all IT related services) ISS IS Security Policy ISA IS Audit Guidelines & Checklist LTS Long Term IT Strategy SUA Software Utilisation Audit DSMA Data and System Migration Audit System, Network and Security Devices Baseline standards and configuration SNSD Audit Half yearly by 10 th of October and April. Report-H1 to cover audit period April to September and H2 for October to March. Yearly by 10 th of April with coverage of period April to March and including Compliance verification of all areas 3.7. DURATION OF AUDIT: The entire audit should be covered for the audit period is from to and the Bank may repeat the second audit period from to with the same SP. The Bank reserves the right to terminate the assignment, if the assignment is not proceeding in accordance with the terms of contract or to the satisfaction of the Bank by giving a notice of one month. The Bank is not liable for any fees or compensation in case the contract is terminated as above. 11

16 3.8. EARNEST MONEY DEPOSIT Subject to compliance of Response Submission Process as elucidated in Section I, the intending bidders should pay along with bids an Earnest Money Deposit an amount of `. 1,00,000/- (Rupees One Lac only).the EMD shall be paid by NEFT/RTGS to the under mentioned A/c. The receipt of RTGS/NEFT must be attached with the Tender documents. The EMD will not carry any interest. Details of A/c NAME DENA BANK, INSPECTION & INTRL.AUDIT,MUMBAI BANK DENA BANK A/C NO IFSC BKDN0INDFIN MICR BRANCH DENA BANK, INDUSTRIAL FINANCE BRANCH, MUMBAI A/C TYPE CURRENT A/C The EMD made by the bidder will be forfeited if: 1 The bidder withdraws his tender before opening of the bids. 2 The bidder withdraws his tender after opening of the bids but before acceptance of Letter of appointment issued by Bank. 3 The selected bidder withdraws his tender before furnishing an unconditional and irrevocable Performance Bank Guarantee. 4 The bidder violates any of the provisions of the terms and conditions of this tender specification. The EMD will be refunded to - The successful bidder, only after furnishing an unconditional and irrevocable Performance Bank Guarantee for 15% of the first year total contract value. The validity of the guarantee would be 15 months from the date acceptance of first Letter of Appointment (LoA). - The unsuccessful bidders, only after acceptance of the LoA by the selected bidder. 3.9 APPLICATION MONEY The intending bidders should pay an Application Money of Rs 5,000/- (Rupees Five Thousand only). The application money shall be paid by NEFT/RTGS to the under mentioned A/c. The receipt of RTGS/NEFT must be attached with the Tender documents. The application money is non-refundable. Application money is to be submitted on or before Pre-bid meeting. Details of A/c NAME DENA BANK, INSPECTION & INTRL.AUDIT,MUMBAI BANK DENA BANK A/C NO IFSC BKDN0INDFIN MICR BRANCH DENA BANK, INDUSTRIAL FINANCE BRANCH, MUMBAI A/C TYPE CURRENT A/C 12

17 3.10. SUBMISSION OF BIDS (Please refer to Section I, Para 1.11) The bids shall be in two parts viz. Technical Proposal and Commercial Proposal. Both Technical and Commercial Bids shall be submitted in separate sealed envelopes super scribing TECHNICAL PROPOSAL FOR CONTINUOUS IS AUDIT: TENDER REFERENCE NO. xxx. on top of the envelope containing the technical bid and COMMERCIAL PROPOSAL FOR CONTINUOUS IS AUDIT: TENDER REFERENCE NO. xxx. on top of the envelope containing commercial bid. These two separate sealed envelopes should be put together in the sealed master envelope super scribing PROPOSAL for CONTINUOUS IS AUDIT: TENDER REFERENCE NO. xxx A copy of the Commercial Proposal masking the prices is to be submitted along with the Technical Proposal The EMD as mentioned in clause 3.8 is to be submitted along with the Technical Proposal The Commercial Proposal shall be submitted as per Annexure - B The bidder shall submit the Proposals duly filed so that the papers are not loose. The Bidder shall submit the proposal in suitable file such that the papers do not bulge out and tear during scrutiny All the relevant pages of the proposals (except literatures, datasheets and brochures) are to be numbered and be signed by authorized signatory on behalf of the Bidder. The number should be a unique running serial no. across the entire document The bidder has to submit a soft copy of the entire proposal in a CD in sealed cover. It should be noted that in case of any discrepancy in information submitted by the bidder in hard-copy and soft-copy, the hard-copy will prevail. However, in case of non-submission of any hard copy document, if the same is found submitted in the soft-copy, Bank reserves right to accept the same at its discretion The Bids shall be addressed and submitted to the Banks Evaluation Office The bids (arranged as mentioned above) are to be submitted at the above address, marked with the tender number, at the above address before the due date & time as specified. The bid submitted anywhere else is liable to be rejected It may be noted that all queries, clarifications, questions etc., relating to this RFP, technical or otherwise, must be in writing only and should be to the nominated point of contact Bidders should provide their address in their queries without fail The bidder will submit an undertaking specifying that the bidder has obtained all necessary statutory and obligatory permission to carry out project works, if any The proposal should be prepared in English. The address and phone/fax numbers of the bidder should also be indicated on the sealed cover. Formats of Bids: The bidders should use the formats prescribed by the Bank in the RFP for submitting both technical and commercial bids TECHNICAL BID Eligibility Criterion: Bid is open to all Bidders who fulfil the following eligibility criteria The Bidder should be empanelled with CERT-IN which should be valid up to 31/03/2017 for IT / IS Audit / IS Security Audit. 13

18 The Bidder should be registered in India and has its registered office or its representative office in Mumbai. The IS Audit firm/company should have been in existence for at least five years as on The SP should have experience in ethical hacking, vulnerability assessment & penetration testing and dedicated qualified security professionals on-roll for these assignments The SP should have conducted at least one audit of Data Centre (DC) of any scheduled commercial bank in India Should have a pool of minimum 3 professionals with international accreditation like CISA (Offered by ISACA, USA), CISSP (Certified Information System Security Professional), CISM The bidder should not have been involved in implementing any of the IS security solutions for Dena Bank The SP should not have been black listed by any public sector organisation or RBI or IBA or any other regulator or statutory body The bidder should not have been involved in carrying out IS Audit of the Bank for last two years The bidder should submit a copy of the full Balance Sheet, duly certified as copy of the original by its Auditor, for three years ending , and along with qualifying remarks, disclosures, if any made therein The bidder s Account should not have been declared as a Non Performing Asset (NPA) in the Books of any bank or financial institution. A certificate to this effect should be obtained from the Auditor who has signed the Balance Sheet of the Bidders as on All the above clauses of the eligibility criteria are mandatory and cannot be waived. Details of the documents to be submitted supporting the above mentioned clauses are given in Annexure-C (III) COMMERCIAL BID: The prices should be quoted for all areas for the services offered by the SP as per the format enclosed as Annexure B. It may be noted that Bank will not pay any amount/expenses / charges / fees / travelling expenses / boarding expenses / lodging expenses / conveyance expenses / out of pocket expenses other than the above Agreed Professional Fee. The SP should quote the fees for the second year also, if Bank desires that the audit may be repeated with the same SP for the second year PERFORMANCE BANK GUARANTEE (BG) The successful Bidder has to submit a Performance Bank Guarantee of 15% of the first year bid value valid for 15 months, within a week of receipt of formal communication from the Bank about their successful bid. Relative Purchase order/engagement letter will be released only after the receipt of Performance Bank Guarantee The Bank Guarantee to be furnished has to be issued by a Public Sector Bank other than Dena Bank in favour of Inspection & Internal Audit Department, Head Office, 4 th Floor, Dena Bank Building, 17-B Horniman Circle, Fort, Mumbai The Bank reserves the right either to invoke the performance bank guarantee or to cancel the purchase order or both if the bidder fails to meet the terms of this RFP or contracts entered into with them. 14

19 3.14 Security Requirements: The Vendor should comply with Bank s IS Security policy in key concern areas relevant to the RFP. Some of the key areas are as under: Responsibilities for data and application privacy and confidentiality Responsibilities on system and software access control and administration Custodial responsibilities for data, software, hardware and other assets of the Bank being managed by or assigned to the Vendor Physical Security of the facilities Physical and logical separation from other customers of the Vendor Incident response and reporting procedures Password Policy of the Bank Data Encryption/Protection requirement of the Bank Security requirement of the Bank will be shared with the successful bidder 3.15 VENDOR S OBLIGATION The vendor is obliged to work closely with Bank s staff, act within its own authority and abide by directives issued by Bank from time to time The Vendor is responsible for managing the activities of its personnel and will hold itself responsible for any misdemeanours on the part of its personnel The Vendor will treat as confidential all data and information about Bank, obtained in the process of executing its responsibilities, in strict confidence and will not reveal such information to any other party without prior written approval of bank. 15

20 Section-IV General Terms and Conditions 4.1 Adherence to Terms and Conditions: The bidders who wish to submit responses to this RFP should note that they abide by all the terms and conditions contained in the RFP. If the responses contain any extraneous conditions put in by the respondents, such responses may be disqualified and may not be considered for the selection process. 4.2 Other terms and conditions: Bank reserves the right to: 1. Reject any and all responses received in response to the RFP 2. Waive or Change any formalities, irregularities, or inconsistencies in proposal format delivery 3. To negotiate any aspect of proposal with any bidder and negotiate with more than one bidder at a time 4. Extend the time for submission of all proposals 5. Select the most responsive bidder (in case no bidder satisfies the eligibility criteria in totality) 6 Select the next most responsive bidder if negotiations with the bidder of choice fail to result in an agreement within a specified time frame. 6. Share the information/ clarifications provided in response to RFP by any bidder, with any other bidder(s) /others, in any form. 7. Cancel the RFP/Tender at any stage, without assigning any reason whatsoever. 4.3 Substitution of Project Team Members: During the assignment, the substitution of key staff identified for the assignment will not be allowed unless such substitution becomes unavoidable to overcome the undue delay or that such changes are critical to meet the obligation. In such circumstances, the SP can do so only with the concurrence of the Bank in writing by providing other staff of same level of qualifications and expertise. If the Bank is not satisfied with the substitution, the Bank reserves the right to terminate the contract and recover whatever payments made by the Bank to the SP during the course of this assignment besides claiming an amount, equal to the contract value as liquidated damages. However, the Bank reserves the right to insist the SP to replace any team member with another (with the qualifications and expertise as required by the Bank) during the course of assignment. 4.4 Professionalism: The SP should provide professional, objective and impartial advice at all times and hold the Bank s interests paramount and should observe the highest standard of ethics while executing the assignment. 16

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