115 th Annual Convention

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "115 th Annual Convention"

Transcription

1 115 th Annual Convention Date: Saturday, October 12, 2013 Time: 11:00 am 12:00 pm Location: The Walt Disney World Swan and Dolphin Resort, Southern Hemisphere Salon 4-5 Title: Activity Type: Speaker: Data Security and New Issues for HIPAA Compliance ACPE # L04-P 0.1 CEUs ACPE # L04-T Knowledge-based Harry Lattanzio, RPh, President, PRS Pharmacy Services Mark Wayne, Executive Vice President, ANXeBusiness Corp Pharmacist Learning Objectives: Upon completion of this activity, participants will be able to: 1. Discuss PCI compliance and steps a business might have to take after discovering a breach of credit card data security. 2. Discuss changes to patient privacy and health data security in the HIPAA Omnibus rules. Technician Learning Objectives: Upon completion of this activity, participants will be able to: 1. Discuss PCI compliance and steps a business might have to take after discovering a breach of credit card data security. 2. Discuss changes to patient privacy and health data security in the HIPAA Omnibus rules. Disclosures: Harry Lattanzio is the President of PRS Pharmacy Services. The conflict of interest was resolved by peer review of the slide content. Mark Wayne is the Executive Vice President of ANXeBusiness Corp. The conflict of interest was resolved by peer review of the slide content. NCPA s education staff declares no conflicts of interest or financial interest in any product or service mentioned in this program, including grants, employment, gifts, stock holdings, and honoraria. NCPA is accredited by the Accreditation Council for Pharmacy Education as a provider of continuing pharmacy education. This program is accredited by NCPA for 0.1 CEUs (1.0 contact hours) of continuing education credit.

2

3 The PCI Compliance Opportunity Mark A. Wayne Executive Vice President Risk and Compliance Disclosure Mark Wayne is the Executive Vice President of ANXeBusiness Corp. The conflict of interest was resolved by peer review of the slide content. Learning Objective Discuss PCI compliance and steps a business might have to take after discovering a breach of credit card data security. 1

4 WHAT IS 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 maintain a secure environment. Essentially any merchant that has a Merchant ID (MID). Q: To whom does PCI apply? A: PCI applies to ALL organizations or merchants, regardless of size or number of transactions, that accepts, transmits or stores any cardholder data. PCI Compliance is a requirement for all merchants accepting cards PCI ECOSYSTEM PCI SSC Independent standards body providing oversight on the development and management of PCI standards. Founding Acceptance Brand Members AMEX, Discover, VISA, JCB and MasterCard Standards PCI PTS covers tamper detection, crypto process and mechanisms to protect the pin. Requirements apply to POS hardware and devices. PA-DSS applies to third party payment applications PCI-DSS applies to any entity that stores, processes, or transmits cardholder data. PCI TERMINOLOGY 101 Cardholder Customer purchasing goods either as a card present or card not present transaction. The person that receives the payment card and bills from the issuer. Issuer Bank or other organization issuing a payment card on behalf of a payment brand such as VISA. Payment brand issuing a payment card directly such as AMEX. Merchant Organization accepting the payment card for payment during a purchase. 2

5 PCI TERMINOLOGY 101 Acquirer Bank or entity merchant uses to process their payment card transactions. Receive authorization request from Merchant and forward to Issuer for approval Provide authorization, clearing and settlement services to Merchant Also called Merchant Bank, ISO, Payment Brand (NEVER VISA or MasterCard) Responsible for merchant compliance ensure that their merchants understand PCI DSS compliance requirements and track their efforts. Manage merchant communications. Work with merchants until full compliance has been validated. Merchants are not compliant until all requirements have been met and validated. Acquirer is responsible for providing Merchant compliance status to payment brands. Incur any liability that may result from non-compliance with payment brand compliance programs. TIMING IS OF THE ESSENCE Merchants are being held accountable MERCHANT ACCOUNTABILITY Financial Penalties 3

6 GENERAL MERCHANT PCI REQUIREMENTS BY LEVEL LEVEL CRITERIA On-Site Security Audit Self-Assessment Questionnaire Network Vulnerability Scan 1 Any merchant processing more than 6 million transactions per year Required Annually Required Quarterly 2 Any merchant processing 1 to 6 million transactions per year Required Annually Required Quarterly 3 Any merchant processing 20,000 to 1 million transactions per year Required Annually Required Quarterly 4 All other merchants, not in Levels 1, 2 or 3 Required Annually Required Quarterly PCI DSS MERCHANT REQUIREMENTS PCI DSS Requirement Build and Maintain a Secure Network Protect Cardholder Data Maintain a Vulnerability Management Program Implement Strong Access Control Measures Regularly Monitor and Test Networks Maintain Information Security Policy Specific Actions Required - Digital Dozen 1. Install and maintain a firewall configuration to protect cardholder data 2. Do not use vendor-supplied defaults for system passwords and other security parameters 3. Protect stored cardholder data 4. Encrypt transmission of cardholder data across open, public networks 5. Use and regularly update anti-virus software 6. Develop and maintain secure systems and applications 7. Restrict access to cardholder data by business need-to-know 8. Assign a unique ID to each person with computer access 9. Restrict physical access to cardholder data 10. Track and monitor all access to network resources and cardholder data 11. Regularly test security systems and processes 12. Maintain a policy that addresses information security LEVEL 2-4 SAQ REQUIREMENTS Requirements vary by SAQ type Type CRITERIA Secondary Criteria Requirement Interval Work Effort A No Card Present on-line only No previous breaches Annual Minimal 13 questions B Connected via phone line or knuckle-buster No previous breaches Annual Reasonable 31 questions C Connected via Internet No previous breaches, segmented network, no stored credit cards Annual Challenging 82 questions C-VT Only web-based terminals No previous breaches, segmented network, no stored credit cards Annual Challenging 82 questions D POS connected via Internet All other merchants and all service providers Annual Exhausting 291 questions PTPE Point to point encryption End to end encrypted POS Annual Under Construction Less than 20 questions 4

7 DEFINING THE MARKET PROBLEM THE EFFECTS OF CREDIT CARD BREACH ON RETAIL BUSINESS ARE DAUNTING $80k is the average direct cost of a data breach 70% of breached businesses are out of business within one year of the attack 1 in 6 small businesses will suffer a credit card breach in the next 24 months 98% Breaches originate from organized criminal groups 210 Average days between intrusion and detection HOW IS THIS HAPPENING? AM I AT RISK? Outdated Firewalls Insecure Remote Access Weak security configurations Operating system flaws Lack of staff training Flawed security policies Negligence Poor change control procedures Key Security Gaps are exploited by cybercriminals THE BOTTOM LINE ON PCI COMPLIANCE Many myths about PCI compliance It doesn t apply to my business I m already PCI compliant I have a firewall in place so I m compliant My (fill in the blank) has me covered PCI DSS is solely the responsibility of the merchant If merchant can t demonstrate compliance, they cover breach costs. If merchant can demonstrate compliance, bank covers breach costs. 96% of breached businesses were not PCI compliant 5

8 If you cannot answer yes to the three questions below, you are NOT PCI Compliant 1 Have all cashiers completed a PCI Certified training program upon hire and annually thereafter? 2 Have all employees read and signed a formal security policy? 3 Does all remote access from you, your employees or vendors incorporate 2-factor authentication? WHAT HAPPENS IF I AM BREACHED? Stop taking credit cards Initiate a forensic audit Implement remediation actions Mark A. Wayne EVP Risk and Compliance direct:

9 Changes to HIPAA in 2013 Harry Lattanzio, RPh, President PRS Pharmacy Services Disclosure Harry Lattanzio is the President of PRS Pharmacy Services. The conflict of interest was resolved by peer review of the slide content. Learning Objective Discuss changes to patient privacy and health data security in the HIPAA Omnibus rules. 1

10 The Two Major Changes The Final Omnibus HIPAA Rules Permanent Audit Program Omnibus HIPAA Notice of Privacy Practices Access to Records Additional Restrictions Immunization Authorizations Deceased Business Associate Notice of Privacy Practices Notice of Privacy Practices Edits Add a statement as to when an Authorization will be required Add an opt out statement to any Fundraising Section your have Breach Notification Statement 2

11 Access to Records (Timeframe) Access to Records must be given with 30 days whether onsite or offsite Still permitted to extend by 30 days if patient notified in writing Access to Records (Electronic) Must provide access in the electronic form requested if your computer system can accommodate. Additional Restrictions You must accept restrictions to disclose PHI to health plans if the patient pays out of pocket Unless the disclosure is otherwise required by state or federal law 3

12 Immunization May disclosure Immunization record to a school as required by law at the verbal request of the patient, parent or guardian. Just make sure you document the disclosure Authorizations Authorizations are required for Selling of PHI Unless it is the selling of your business Marketing unless face to face Must disclose if Remuneration will be received by the pharmacy for the marketing Authorizations Authorizations are required for (cont) Psychotherapy Notes 4

13 Deceased Must protect the PHI of the deceased for up to 50 years if maintained You may still destroy PHI of the deceased with 6 years (or as required by your state if longer) Business Associates Business Associates are not going to be held accountable to various aspects of the HIPAA, including Security Rule Breach Notification Rule Must have Business Associate Agreements with their own subcontractors Business Associates New Business Associate Agreements (BAA) as of March 23, 2013 BAA in place prior to March 23, 2013 are good until the expire or September 22, 2014 (which ever comes first) Template can be found at 5

14 HIPAA Compliance Review (Audits) Mandated by congress in The American Recovery and Reinvestment Act of 2009 (ARRA) Pilot Audit Program to cage overall compliance was performed by KPMG, LLC in late 2011 and through out 2012 HIPAA Compliance Review (Audits) Because of the findings of the Pilot Audit program that have been released so far, this will be more impactful then the Final Omnibus 115 covered entities were audited 61 were health care providers of all sized Only 2 of the health care providers were compliant Pilot Audit Findings Release so Far Issues by area 60% Security Rule 30% Privacy Rule 10% Breach Notification 6

15 By Security Rule Risk Analysis and Management Plans Access Management Security Incident Procedures Contingency Planning and backups Audit Controls By Privacy Rule Business Associate Agreements Identity Verification Minimum Necessary Authorizations Deceased Personnel Representatives By Breach Notification Notification to individual Timeliness of Notification Methods of Individual Notification 7

16 In Closing If these findings in the Pilot Audit Program hold to be true, now would be an excellent time to create, review, and/or edit your existing HIPAA Compliance program. 8

Kim Decarolis Compliance and Security Specialist decarolisk@anx.com (248) 447-4073. Mark Wayne Vice President Compliance and Security Specialist

Kim Decarolis Compliance and Security Specialist decarolisk@anx.com (248) 447-4073. Mark Wayne Vice President Compliance and Security Specialist Target, Starbucks, Neiman Marcus Will your pharmacy be the next data breach victim? Kim Decarolis Compliance and Security Specialist decarolisk@anx.com (248) 447-4073 Mark Wayne Vice President Compliance

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

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

Whitepaper. PCI Compliance: Protect Your Business from Data Breach

Whitepaper. PCI Compliance: Protect Your Business from Data Breach Merchants often underestimate the financial impact of a breach. Direct costs include mandatory forensic audits, credit card replacement, fees, fines and breach remediation. PCI Compliance: Protect Your

More information

Whitepaper. PCI Compliance: Protect Your Business from Data Breach

Whitepaper. PCI Compliance: Protect Your Business from Data Breach Merchants often underestimate the financial impact of a breach. Direct costs include mandatory forensic audits, credit card replacement, fees, fines and breach remediation. PCI Compliance: Protect Your

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

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

FORT HAYS STATE UNIVERSITY CREDIT CARD SECURITY POLICY

FORT HAYS STATE UNIVERSITY CREDIT CARD SECURITY POLICY FORT HAYS STATE UNIVERSITY CREDIT CARD SECURITY POLICY Page 1 of 6 Summary The Payment Card Industry Data Security Standard (PCI DSS), a set of comprehensive requirements for enhancing payment account

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 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

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

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

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

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

CardControl. Credit Card Processing 101. Overview. Contents

CardControl. Credit Card Processing 101. Overview. Contents CardControl Credit Card Processing 101 Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new and old

More information

Credit Card Processing Overview

Credit Card Processing Overview CardControl 3.0 Credit Card Processing Overview Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new

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 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

Introduction to PCI DSS

Introduction to PCI DSS Month-Year Introduction to PCI DSS March 2015 Agenda PCI DSS History What is PCI DSS? / PCI DSS Requirements What is Cardholder Data? What does PCI DSS apply to? Payment Ecosystem How is PCI DSS Enforced?

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

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

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

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 3.2 May 2016 Document Changes Date Version Description October 1, 2008 1.2 October 28,

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

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

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

Credit Card Processing, Point of Sale, ecommerce

Credit Card Processing, Point of Sale, ecommerce Credit Card Processing, Point of Sale, ecommerce Compliance, Self Auditing, and More John Benson Kurt Willey HACKS REGULATIONS Greater Risk for Merchants Topics Compliance Changes Scans Self Audits

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

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

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

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

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 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

PCI DSS Payment Card Industry Data Security Standard. Merchant compliance guidelines for level 4 merchants

PCI DSS Payment Card Industry Data Security Standard. Merchant compliance guidelines for level 4 merchants Appendix 2 PCI DSS Payment Card Industry Data Security Standard Merchant compliance guidelines for level 4 merchants CONTENTS 1. What is PCI DSS? 2. Why become compliant? 3. What are the requirements?

More information

The Cyber Attack and Hacking Epidemic A Legal and Business Survival Guide

The Cyber Attack and Hacking Epidemic A Legal and Business Survival Guide The Cyber Attack and Hacking Epidemic A Legal and Business Survival Guide Practising Law Institute January 9, 2012 Melissa J. Krasnow, Partner, Dorsey & Whitney LLP, and Certified Information Privacy Professional

More information

PCI DSS. Payment Card Industry Data Security Standard. www.tuv.com/id

PCI DSS. Payment Card Industry Data Security Standard. www.tuv.com/id PCI DSS Payment Card Industry Data Security Standard www.tuv.com/id What Is PCI DSS? PCI DSS (Payment Card Industry Data Security Standard) is the common security standard of all major credit cards brands.the

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

PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW

PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW David Kittle Chief Information Officer Chris Ditmarsch Network & Security Administrator Smoker Friendly International / The Cigarette Store Corp

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

PCI Compliance: Protection Against Data Breaches

PCI Compliance: Protection Against Data Breaches Protection Against Data Breaches Get Started Now: 877.611.6342 to learn more. www.megapath.com The Growing Impact of Data Breaches Since 2005, there have been 4,579 data breaches (disclosed through 2013)

More information

COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6

COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6 1. Procedure Title: PCI Compliance Program COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6 2. Procedure Purpose and Effect: All Colorado State University departments that accept credit/debit

More information

PCI-DSS: A Step-by-Step Payment Card Security Approach. Amy Mushahwar & Mason Weisz

PCI-DSS: A Step-by-Step Payment Card Security Approach. Amy Mushahwar & Mason Weisz PCI-DSS: A Step-by-Step Payment Card Security Approach Amy Mushahwar & Mason Weisz The PCI-DSS in a Nutshell It mandates security processes for handling, processing, storing and transmitting payment card

More information

MasterCard PCI & Site Data Protection (SDP) Program Update. Academy of Risk Management Innovate. Collaborate. Educate.

MasterCard PCI & Site Data Protection (SDP) Program Update. Academy of Risk Management Innovate. Collaborate. Educate. MasterCard PCI & Site Data Protection (SDP) Program Update Academy of Risk Management Innovate. Collaborate. Educate. The Payment Card Industry Security Standards Council (PCI SSC) Open, Global Forum Founded

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

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

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire C and Attestation of Compliance Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire C and Attestation of Compliance Payment Application Connected to Internet, No Electronic Cardholder Data Storage Version

More information

White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com. PCI DSS Compliance Clarity Out of Complexity

White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com. PCI DSS Compliance Clarity Out of Complexity White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com PCI DSS Compliance Clarity Out of Complexity Table of Contents Introduction 1 Businesses are losing customer data 1 Customers are learning

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

UTAH VALLEY UNIVERSITY Policies and Procedures

UTAH VALLEY UNIVERSITY Policies and Procedures Page 2 of 7 POLICY TITLE Section Subsection Responsible Office PCI DSS Compliance Facilities, Operations, and Information Technology Information Technology Office of the Vice President of Administration

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

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

Comodo HackerGuardian. PCI Security Compliance The Facts. What PCI security means for your business

Comodo HackerGuardian. PCI Security Compliance The Facts. What PCI security means for your business Comodo HackerGuardian PCI Security Compliance The Facts What PCI security means for your business Overview The Payment Card Industry Data Security Standard (PCI DSS) is a set of 12 requirements intended

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

Payment Card Industry Data Security Standards

Payment Card Industry Data Security Standards Payment Card Industry Data Security Standards January 19, 2011 Marc S. Reisler, Holland & Knight Copyright 2011 Holland & Knight LLP All Rights Reserved Data Breaches Remain a Serious Concern PCI Standards

More information

PCI Compliance and the Data Security Standards. A x i a. For more information visit www.axiapayments.com/pci. Your partner in payment services

PCI Compliance and the Data Security Standards. A x i a. For more information visit www.axiapayments.com/pci. Your partner in payment services PCI Compliance and the Data Security Standards Introduction The PCI DSS, a set of comprehensive requirements for enhancing payment account data security, was developed by the founding payment brands of

More information

The Cost of Payment Card Data Theft and Your Business. Aaron Lego Director of Business Development

The Cost of Payment Card Data Theft and Your Business. Aaron Lego Director of Business Development 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 Card Industry Data Security Standards

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

John B. Dickson, CISSP October 11, 2007

John B. Dickson, CISSP October 11, 2007 PCI Compliance for Your Organization PCI Compliance for Your Organization John B. Dickson, CISSP October 11, 2007 Learning objectives for today s session Overview of PCI who, what, why Overview of PCI

More information

Payment Card Industry Data Security Standards.

Payment Card Industry Data Security Standards. Payment Card Industry Data Security Standards. Your guide to protecting cardholder data Helping you manage the risk. Credit Card fraud and data compromises are an increasingly serious problem, costing

More information

The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance

The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance Date: 07/19/2011 The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance PCI and HIPAA Compliance Defined Understand

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

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

/ BROCHURE / CHECKLIST: PCI/ISO COMPLIANCE. By Melbourne IT Enterprise Services

/ BROCHURE / CHECKLIST: PCI/ISO COMPLIANCE. By Melbourne IT Enterprise Services / BROCHURE / CHECKLIST: PCI/ISO COMPLIANCE By Melbourne IT Enterprise Services CHECKLIST: PCI/ISO COMPLIANCE If your business handles credit card transactions then you ve probably heard of the Payment

More information

Important Info for Youth Sports Associations

Important Info for Youth Sports Associations Important Info for Youth Sports Associations What the Heck is PCI DSS and Why Should I Care? Joe Posey Terrapin Financial Services Your Club is an ecommerce Business You accept online registration over

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

PCI Security Compliance

PCI Security Compliance E N T E R P R I S E Enterprise Security Solutions PCI Security Compliance : What PCI security means for your business The Facts Comodo HackerGuardian TM PCI and the Online Merchant Overview The Payment

More information

Achieving PCI Compliance for Your Site in Acquia Cloud

Achieving PCI Compliance for Your Site in Acquia Cloud Achieving PCI Compliance for Your Site in Acquia Cloud Introduction PCI Compliance applies to any organization that stores, transmits, or transacts credit card data. PCI Compliance is important; failure

More information

2.1.2 CARDHOLDER DATA SECURITY

2.1.2 CARDHOLDER DATA SECURITY University of Oxford Finance Division FINANCIAL POLICY 2.1.2 CARDHOLDER DATA SECURITY Date: 21 March 2013 Version: 2.1.2 Status: Approved Author: Simon Blee Bridget Midwinter TABLE OF CONTENTS Page EXECUTIVE

More information

PCI Data Security Standards. Presented by Pat Bergamo for the NJTC February 6, 2014

PCI Data Security Standards. Presented by Pat Bergamo for the NJTC February 6, 2014 PCI Data Security Standards Presented by Pat Bergamo for the NJTC February 6, 2014 Introduction 3/3/2014 2 Your Speaker Patrick Bergamo, CISSP Director of Information Security & Delivery Delta Corporate

More information

University Policy Accepting Credit Cards to Conduct University Business

University Policy Accepting Credit Cards to Conduct University Business BROWN UNIVERSITY University Policy Accepting Credit Cards to Conduct University Business Purpose Brown University requires all departments that are involved with credit card handling to do so in compliance

More information

SecurityMetrics Introduction to PCI Compliance

SecurityMetrics Introduction to PCI Compliance SecurityMetrics Introduction to PCI Compliance Card Data Compromise What is a card data compromise? A card data compromise occurs when payment card information is stolen from a merchant. Some examples

More information

Accepting Payment Cards and ecommerce Payments

Accepting Payment Cards and ecommerce Payments Policy V. 4.1.1 Responsible Official: Vice President for Finance and Treasurer Effective Date: September 29, 2010 Accepting Payment Cards and ecommerce Payments Policy Statement The University of Vermont

More information

Payment Card Industry (PCI) Data Security Standards (DSS) The Prevailing Standard for Digital Transactions

Payment Card Industry (PCI) Data Security Standards (DSS) The Prevailing Standard for Digital Transactions Spring 2010. Payment Card Industry (PCI) Data Security Standards (DSS) The Prevailing Standard for Digital Transactions Gideon Samid Lectures Cryptology and Data Protection INFA640 About A Published and

More information

PCI Compliance for Cloud Applications

PCI Compliance for Cloud Applications What Is It? The Payment Card Industry Data Security Standard (PCIDSS), in particular v3.0, aims to reduce credit card fraud by minimizing the risks associated with the transmission, processing, and storage

More information

Payment Card Industry Data Security Standard PCI-DSS #SA7D, Platform Database, Tuning & Security

Payment Card Industry Data Security Standard PCI-DSS #SA7D, Platform Database, Tuning & Security Payment Card Industry Data Security Standard PCI-DSS #SA7D, Platform Database, Tuning & Security John Mason Slides & Code - labs.fusionlink.com Blog - www.codfusion.com What is PCI-DSS? Created by the

More information

PCI DSS Security Awareness Training for University of Tennessee Credit Card Merchants. UT System Administration Information Security Office

PCI DSS Security Awareness Training for University of Tennessee Credit Card Merchants. UT System Administration Information Security Office PCI DSS Security Awareness Training for University of Tennessee Credit Card Merchants UT System Administration Information Security Office Agenda Overview of PCI DSS Compliance versus Non-Compliance PCI

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

05.118 Credit Card Acceptance Policy. Vice Chancellor of Business Affairs. History: Effective July 1, 2011 Updated February 2013

05.118 Credit Card Acceptance Policy. Vice Chancellor of Business Affairs. History: Effective July 1, 2011 Updated February 2013 05.118 Credit Card Acceptance Policy Authority: Vice Chancellor of Business Affairs History: Effective July 1, 2011 Updated February 2013 Source of Authority: Office of State Controller (OSC); Office of

More information

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows:

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows: What is PCI DSS? PCI DSS is an acronym for Payment Card Industry Data Security Standards. PCI DSS is a global initiative intent on securing credit and banking transactions by merchants & service providers

More information

HOW SECURE IS YOUR PAYMENT CARD DATA?

HOW SECURE IS YOUR PAYMENT CARD DATA? HOW SECURE IS YOUR PAYMENT CARD DATA? October 27, 2011 MOSS ADAMS LLP 1 TODAY S PRESENTERS Francis Tam, CPA, CISA, CISM, CITP, CRISC, PCI QSA Managing Director PCI Practice Leader Kevin Villanueva,, CISSP,

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

CITY OF SAN DIEGO ADMINISTRATIVE REGULATION Number 95.51 PAYMENT CARD INDUSTRY (PCI) COMPLIANCE POLICY. Page 1 of 9.

CITY OF SAN DIEGO ADMINISTRATIVE REGULATION Number 95.51 PAYMENT CARD INDUSTRY (PCI) COMPLIANCE POLICY. Page 1 of 9. 95.5 of 9. PURPOSE.. To establish a policy that outlines the requirements for compliance to the Payment Card Industry Data Security Standards (PCI-DSS). Compliance with this standard is a condition of

More information

An article on PCI Compliance for the Not-For-Profit Sector

An article on PCI Compliance for the Not-For-Profit Sector Level 8, 66 King Street Sydney NSW 2000 Australia Telephone +61 2 9290 4444 or 1300 922 923 An article on PCI Compliance for the Not-For-Profit Sector Page No.1 PCI Compliance for the Not-For-Profit Sector

More information

Achieving Compliance with the PCI Data Security Standard

Achieving Compliance with the PCI Data Security Standard Achieving Compliance with the PCI Data Security Standard June 2006 By Alex Woda, MBA, CISA, QDSP, QPASP This article describes the history of the Payment Card Industry (PCI) data security standards (DSS),

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

* 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

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

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

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

More information

GRINNELL COLLEGE CREDIT CARD PROCESSING AND SECURITY POLICY

GRINNELL COLLEGE CREDIT CARD PROCESSING AND SECURITY POLICY GRINNELL COLLEGE CREDIT CARD PROCESSING AND SECURITY POLICY PURPOSE The Payment Card Industry Data Security Standard was established by the credit card industry in response to an increase in identify theft

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

Payment Card Industry (PCI) Data Security Standard. Attestation of Compliance for Self-Assessment Questionnaire C-VT. Version 2.0

Payment Card Industry (PCI) Data Security Standard. Attestation of Compliance for Self-Assessment Questionnaire C-VT. Version 2.0 Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Self-Assessment Questionnaire C-VT Version 2.0 October 2010 Attestation of Compliance, SAQ C-VT Instructions for Submission

More information

Payment Card Industry Data Security Standards

Payment Card Industry Data Security Standards Payment Card Industry Data Security Standards Discussion Objectives Agenda Introduction PCI Overview and History The Protiviti Difference Questions and Discussion 2 2014 Protiviti Inc. CONFIDENTIAL: This

More information

It Won t Happen To Me! A Network and PCI Security Webinar Presented By FMS and VendorSafe

It Won t Happen To Me! A Network and PCI Security Webinar Presented By FMS and VendorSafe It Won t Happen To Me! A Network and PCI Security Webinar Presented By FMS and VendorSafe Agenda Who Is VendorSafe Technologies? It Won t Happen to Me! PCI DSS Overview The VendorSafe Solution Questions

More information

PAI Secure Program Guide

PAI Secure Program Guide PAI Secure Program Guide A complete guide to understanding the Payment Card Industry Data Security Requirements and utilizing the PAI Secure Program. Letter From the CEO Welcome to PAI Secure. As you

More information

PCI DSS Compliance & Security Awareness Program at UST

PCI DSS Compliance & Security Awareness Program at UST PCI DSS Compliance & Security Awareness Program at UST PCI DSS in a Nutshell Who? What? Where? When? Applicable to all UST employees that are exposed to any cardholder data while performing their job responsibilities

More information

Managed Hosting & Datacentre PCI DSS v2.0 Obligations

Managed Hosting & Datacentre PCI DSS v2.0 Obligations Any physical access to devices or data held in an Melbourne datacentre that houses a customer s cardholder data must be controlled and restricted only to approved individuals. PCI DSS Requirements Version

More information

CREDIT CARD MERCHANT PROCEDURES MANUAL. Effective Date: 5/25/2011

CREDIT CARD MERCHANT PROCEDURES MANUAL. Effective Date: 5/25/2011 CREDIT CARD MERCHANT PROCEDURES MANUAL Effective Date: 5/25/2011 Updated: May 25, 2011 TABLE OF CONTENTS Introduction... 1 Third-Party Vendors... 1 Merchant Account Set-up... 2 Personnel Requirements...

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

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

HOW SECURE IS YOUR PAYMENT CARD DATA? COMPLYING WITH PCI DSS

HOW SECURE IS YOUR PAYMENT CARD DATA? COMPLYING WITH PCI DSS HOW SECURE IS YOUR PAYMENT CARD DATA? COMPLYING WITH PCI DSS August 23, 2011 MOSS ADAMS LLP 1 TODAY S PRESENTERS Presenters Francis Tam, CPA, CISA, CISM, CITP, CRISC, PCI QSA Managing Director, IT Security

More information