Credit Card Risks: Update on PCI Compliance Monday, May 23 2:40pm 3:55 CPE: 2

Size: px
Start display at page:

Download "Credit Card Risks: Update on PCI Compliance Monday, May 23 2:40pm 3:55 CPE: 2"

Transcription

1 Credit Card Risks: Update on PCI Compliance Monday, May 23 2:40pm 3:55 CPE: 2 Joe Helmy, VP Emerging Verticals, MasterCard Jennifer Cooperman, MBA, CPFO, Treasurer, City of Portland, OR Tod Burton, Financial Planning & Debt Project Manager, Tualatin Valley Water District, OR

2 Credit Card Risks: PCI Introductions Mary Christine Jackman, Director of Treasury Management

3 Credit Card Risks: PCI Joe Helmy, VP Emerging Verticals, MasterCard

4 PCI Compliance What is PCI? Why is it important? Main Goals of PCI PCI DSS Requirements

5 What is PCI?

6 PCI Overview: What is PCI? Payment Card Industry Data Security Standard (PCI DSS) Framework for a robust payment card security process including: Prevention Detection Remediation/Mitigation Applies to any application that transmits, processes or stores credit card data Payment Brands such as the card networks of MasterCard and Visa helped develop the PCI DSS framework PCI compliance must be reviewed by a third party, the Qualified Security Accessor (QSA) company

7 Why Is It Important?

8 Why PCI is Important? The goal of PCI is to protect cardholder data & sensitive authorization data The risk of being non-compliant could lead to data breaches which can impact your organization s reputation, ability to conduct business, stock prices etc. Adhering to the PCI standards helps reduce the risk of potential data breaches The PCI DSS Standards are a great resource to help develop and maintain a secure application. They provide guidelines on how credit card data should be transmitted, processed, and stored securely Compliance is an ongoing process, not annual!

9 WHEN DOES PCI RELATE TO ME? PCI applies to your application if: You transmit credit card data You process credit card data You store credit card data

10 2015 Verizon PCI Compliance Report Just one new uncontrolled Wi-Fi access point, unprotected account, or unencrypted drive could take you out of compliance.

11 Main Goals of PCI

12 Data Storage Do s & Don'ts Do understand the payment card data flows for the entire transaction process. Do retain cardholder data only if there is a business need and authorized. Ensure it s protected. Do mask the Primary Account Number (PAN) whenever it is displayed. The first six and last four digits are the maximum number of digits that may be displayed or first six and any other four (truncation) Do document and limit users who need to view full PAN with a business case. Do ensure any third parties with access to this data is in compliance with PCI DSS.

13 Data Storage Do s & Don'ts Don t store cardholder data unless necessary Don t permit any unauthorized people access to stored credit cardholder data Don t store full contents of any track from the card s magnetic stripe or chip (referred to as full track, track, track 1, track 2,or magnetic stripe data). If required for business purposes, the cardholder s name, PAN, expiration date, and service code may be stored as long as they are protected in accordance with PCI DSS requirements. Don t store the Card Verification Code (CVC/CVV) code or PIN/PIN Block

14 Guidelines for Card Data Storage

15 PCI Requirements

16 PCI Requirement Breakdown

17 Credit Card Risks: PCI Jennifer Cooperman, CPFO, City Treasurer, City of Portland

18 Portland s Payment Card Program 2005: Began accepting card payments 2006: Deployed internally developed, customized payment gateway 2008: Began using a QSA 2010: Achieved Level 1 merchant status 2016: 82 MIDs, >10 million transactions/year, >$175 million/year

19

20 Where We Weren t Compliant Access to payment gateway / PCI data QA process for payment gateway code Security policies and procedures Security patches and passwords Penetration testing Monitoring service providers

21 Changes To Comply With PCI Replace payment gateway Turned off IVR Stop collecting CVV on recorded calls VoIP telephony Point-to-point encryption on devices Education and awareness Documentation

22 What It Took To Get Compliant (1) Taking PCI seriously Having a champion Working as one organization Defining PCI as a Citywide project Retaining on-call PCI audit services Sharing progress and setbacks with our bank

23 What It Took To Get Compliant (2) Understanding PCI DSS requirements Understanding risks of non-compliance Researching compliant entities Methodical analysis of each location and business process Commitment to reducing PCI scope Changing business processes and turning off non-compliant services

24 Project Challenges Enterprise-level project Education and awareness Scope identification Communication platform and plan Trade-off between business wants and requirements and need to change

25 New City Policy On PCI Compliance All city bureaus and designated agents to be fully compliant with PCI DSS. Treasury SME and Technology SME required in RFP / contract development. AOC required from designated agents Failure to deliver AOC is material breach. Bureaus to have remediation plans (including termination) if designated agent cannot deliver AOC.

26

27 What Keeps Me Up At Night? Will we get compliant before deadline? What new services are City bureaus contracting for that involve card processing and PCI data? Now that we have policies/procedures, are they being followed? Are all designated agents compliant? What will be in PCI DSS v4.0?

28 Credit Card Risks: Update on PCI Compliance Tod Burton, Finance/Debt Project Manager, Tualatin Valley Water District

29 About Us Overview Steps to PCI Compliance Lessons Learned The Sweet Side of PCI: Compliance 29

30 Tualatin Valley Water District Special district only water Population 218,000 Service connections 61,000 Billing for partner entities brings total accounts to over 80,000 Over 500,000 bills sent annually 70% paid through E Commerce methods 22% paid by credit card and growing Home To:

31 Steps to PCI Compliance Plan: Identify Target SAQ Where You Are Now (SAQ D?) How to Reach Target (SAQ B Questionnaire) Organize Team: System & Customer Focus Software Development, System Migration Communications: Customer, Employee, Governing Body Customer Transition and Volume Planning Institutionalize: Change Management Policies, Incident Response, PCI Training Culture Changes 31

32 PCI/DSS Levels and Validation Requirements Levels Criteria Required Actions Level 1 All merchants processing over 6,000,000 transactions per year NEW: Level 1 merchants no longer able to self assess unless they attend PCI DSS QAA training by PCI DSS Council and become accredited (information available in March). Effective 6/30/11 Level 2 Any merchant processing 1,000,000 to 6,000,000 transactions per year NEW: Level 2 merchants that conduct self assessment must attend PCI SSC training and become accredited (information available in March). Effective 6/30/11 Level 3 Any merchant processing 20,000 to 1,000,000 Visa or MC e commerce transactions per year Level 4 Any merchant processing fewer than 20,000 Visa or MC e commerce transactions per year, and all other merchantsregardless of acceptance channel processing up to 1,000,000 Visa or MC trans. per year Annual Onsite PCI DSS audit & ROC validated by a Qualified Security Assessor or Internal Audit (if PCI SSC certified) Quarterly Network Security Scan by ASV Complete self assessment (if PCI SSC certified), or Complete an annual onsite assessment conducted by a Qualified Security Assessor Quarterly Network Scan by ASV Annual PCI DSS Self Assessment Questionnaire Quarterly Network Security Scan Annual PCI DSS Self Assessment Questionnaire Quarterly Network Security Scan 3

33 SAQ Definitions Questionnaire SAQ A Definition Addresses requirements applicable to Acceptors that have outsourced all cardholder data storage, processing and transmission. SAQ A EP SAQ B SAQ B IP SAQ C SAQ C VT SAQ D SAQ P2PE HW Addresses requirements applicable to ecommerce Acceptors that capture the cardholder data as part of the transaction process. This also requires vulnerability scanning and penetration testing on the cardholder data environment. Addresses requirements pertinent to Acceptors that process cardholder data via imprint machine or standalone dial up terminals only. Addresses requirements related to Acceptors cardholder data via a POS terminal using a Ethernet (internet) connection. Constructed to focus on requirements applicable to Acceptors whose payment applications systems are connected to the internet. Developed for Acceptors who process using a virtual terminal (access POS via a hosted user interface). Addresses requirements relevant to all Acceptors defined by a payment brand as storing cardholder data electronically or those acceptors who do not fall under the types addressed by SAQ A, B or C. Acceptors using only hardware payment terminals including in a PCI SSC listed, validated, P2PE solution, no electronic cardholder data storage. 3

34 Plan: Identify Target SAQ District used Trustwave Compliance management site used by bank Provided advice and clarifications SAQ B merchant terminals 3 rd party hosted payment site + payment portal Not easy Need objective evaluators Teams are invested in existing systems and processes Will be expensive, don t underestimate the costs 34

35 Organize Team: System & Customer Focus Project Drivers Size and scope of system changes Utility Billing & Web Site System migration to Velocity Payment Availability of 3 rd party providers Limitations of new system Management and governing body oversight Customer service training and volume management Billing and payment changes for customers 35

36 Institutionalize: Change Management PCI policy requires Cybersecurity policy Risk Management is natural fit PCI Incident Response Plans Essential for employees that handle payment card information PCI Training, PCI Inspection & Auditing, PCI Device Selection Criteria Employee and governing body adoption of new security requirements 36

37 Lessons Learned Maturity needed for project Organization s experience with chartered projects Ability to grasp vision and target environment The need for team ownership and change management cannot be overstated Do not underestimate the potential customer response Coordination with so many parts in flux creates risk Need to stay on top of risks Expect on going work for at least 6 months post go live 37

38 The Sweet Side of PCI: Compliance 38

39 Resources Best Practices Treasury and Investment Management Committee practices Your friendly banker and merchant services provider

40 Thank You Questions

PCI DSS. CollectorSolutions, Incorporated

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

More information

Frequently Asked Questions

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

More information

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

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

More information

Adyen PCI DSS 3.0 Compliance Guide

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

More information

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

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

More information

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

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

Merchant guide to PCI DSS

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

More information

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

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

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

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

More information

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

PCI DSS Presentation University of Cincinnati

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

More information

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

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

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

More information

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

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

More information

Your Compliance Classification Level and What it Means

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

More information

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

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

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

More information

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

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

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

More information

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

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

More information

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

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

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

More information

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

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 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

PCI DSS 3.0 Overview. OSU Business Affairs Business Affairs PIT Crew - Project, Improvement, & Technology Robin Whitlock

PCI DSS 3.0 Overview. OSU Business Affairs Business Affairs PIT Crew - Project, Improvement, & Technology Robin Whitlock PCI DSS 3.0 Overview OSU Business Affairs Business Affairs PIT Crew - Project, Improvement, & Technology Robin Whitlock 01/16/2015 Purpose of Today s Presentation To provide an overview of PCI 3.0 based

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

2015 PCI DSS Meeting. OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock

2015 PCI DSS Meeting. OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock 2015 PCI DSS Meeting OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock 11/3/2015 Today s Presentation What do you need to do? What is PCI DSS? Why PCI DSS? Who Needs to Comply

More information

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

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

More information

PCI DSS Gap Analysis Briefing

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

More information

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

PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES

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

More information

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

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

More information

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 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

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

Data Security Standard (DSS) Compliance. SIFMA June 13, 2012

Data Security Standard (DSS) Compliance. SIFMA June 13, 2012 Payment Card Industry (PCI) Data Security Standard (DSS) Compliance SIFMA June 13, 2012 EisnerAmper Consulting Services Group Overview of EisnerAmper Fifth fhlargest accounting firm in the Metro New York

More information

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

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

More information

ICCCFO Conference, Fall 2011. Payment Fraud Mitigation: Securing Your Future

ICCCFO Conference, Fall 2011. Payment Fraud Mitigation: Securing Your Future ICCCFO Conference, Fall 2011 Payment Fraud Mitigation: Securing Your Future Presented by: Brian Irwin, CTP Vice President Fifth Third Bank Commercial Treasury Management And Claire Dittrich Executive Consultant-

More information

E Pay. A Case Study in PCI Compliance. Illinois State Treasurer. Dan Rutherford

E Pay. A Case Study in PCI Compliance. Illinois State Treasurer. Dan Rutherford E Pay A Case Study in PCI Compliance Illinois State Treasurer Dan Rutherford What is PCI? The Payment Card Industry s Data Security Standard states: PCI Data Security Requirements applies to all members,

More information

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

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

More information

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

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

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

More information

Credit Cards and Oracle: How to Comply with PCI DSS. Stephen Kost Integrigy Corporation Session #600

Credit Cards and Oracle: How to Comply with PCI DSS. Stephen Kost Integrigy Corporation Session #600 Credit Cards and Oracle: How to Comply with PCI DSS Stephen Kost Integrigy Corporation Session #600 Background Speaker Stephen Kost CTO and Founder 16 years working with Oracle 12 years focused on Oracle

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

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 DSS Compliance in a hosted infrastructure

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

More information

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

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

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

More information

Registry of Service Providers

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

More information

PCI DSS and SSC what are these?

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

More information

Simplêfy Client Support and Information Services. PCI Compliance Guidebook

Simplêfy Client Support and Information Services. PCI Compliance Guidebook Simplêfy Client Support and Information Services PCI Compliance Guidebook Simplêfy, Inc. 301 Science Drive, Suite 280 Moorpark, CA 93021 Phone 888.341.2999 Fax 877.280.0885 Simplêfy is a Registered Trademark

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

PCI DSS 3.0 and You Are You Ready?

PCI DSS 3.0 and You Are You Ready? PCI DSS 3.0 and You Are You Ready? 2014 STUDENT FINANCIAL SERVICES CONFERENCE Linda Combs combslc@jmu.edu Ron King rking@campusguard.com AGENDA PCI and Bursar Office Role Key Themes in v3.0 Timelines Changes

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

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

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

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

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

More information

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

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

A Compliance Overview for the Payment Card Industry (PCI)

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

More information

Sales Rep Frequently Asked Questions

Sales Rep Frequently Asked Questions V 02.21.13 Sales Rep Frequently Asked Questions OMEGA Processing Data Protection Program February 2013 - Updated In response to a national rise in data breaches and system compromises, OMEGA Processing

More information

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

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire B and Attestation of Compliance Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire B and Attestation of Compliance Merchants with Only Imprint Machines or Only Standalone, Dial-out Terminals Electronic Cardholder

More information

Introduction to PCI DSS Compliance. May 18, 2009 1:15 p.m. 2:15 p.m.

Introduction to PCI DSS Compliance. May 18, 2009 1:15 p.m. 2:15 p.m. Introduction to PCI DSS Compliance May 18, 2009 1:15 p.m. 2:15 p.m. Disclaimer The opinions of the contributors expressed herein do not necessarily state or reflect those of the National Association of

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

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

PCI Compliance at The University of South Carolina. Failure is not an option. Rick Lambert PMP University of South Carolina ricklambert@sc.

PCI Compliance at The University of South Carolina. Failure is not an option. Rick Lambert PMP University of South Carolina ricklambert@sc. PCI Compliance at The University of South Carolina Failure is not an option Rick Lambert PMP University of South Carolina ricklambert@sc.edu Payment Card Industry Data Security Standard (PCI DSS) Who Must

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

North Carolina Office of the State Controller Technology Meeting

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

More information

What a Processor Needs from a University to Validate Compliance

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

More information

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

Technical breakout session

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

More information

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

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

More information

Payment Cardholder Data Handling Procedures (required to accept any credit card payments)

Payment Cardholder Data Handling Procedures (required to accept any credit card payments) Payment Cardholder Data Handling Procedures (required to accept any credit card payments) Introduction: The Procedures that follow will allow the University to be in compliance with the Payment Card Industry

More information

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

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

More information

PCI Policies 2011. Appalachian State University

PCI Policies 2011. Appalachian State University PCI Policies 2011 Appalachian State University Table of Contents Section 1: State and Contractual Requirements Governing Campus Credit Cards A. Cash Collection Point Approval for Departments B. State Requirements

More information

PCI Risks and Compliance Considerations

PCI Risks and Compliance Considerations PCI Risks and Compliance Considerations July 21, 2015 Stephen Ramminger, Senior Business Operations Manager, ControlScan Jon Uyterlinde, Product Manager, Merchant Services, SVB Agenda 1 2 3 4 5 6 7 8 Introduction

More information

Version 7.4 & higher is Critical for all Customers Processing Credit Cards!

Version 7.4 & higher is Critical for all Customers Processing Credit Cards! Version 7.4 & higher is Critical for all Customers Processing Credit Cards! Data Pro Accounting Software has met the latest credit card processing requirements with its release of Version 7.4 due to the

More information

Payment Card Industry (PCI) Data Security Standard

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

More information

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

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

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

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

More information

PCI Compliance. Reducing cost & risk in Credit Card Transactions for Contact Centres V1.0

PCI Compliance. Reducing cost & risk in Credit Card Transactions for Contact Centres V1.0 PCI Compliance Reducing cost & risk in Credit Card Transactions for Contact Centres V1.0 Contents Executive Summary 3 PCI DSS and the battle against card fraud Introduction 4 PCI DSS Requirements PCI DSS

More information

University of Sunderland Business Assurance PCI Security Policy

University of Sunderland Business Assurance PCI Security Policy University of Sunderland Business Assurance PCI Security Policy Document Classification: Public Policy Reference Central Register IG008 Policy Reference Faculty / Service IG 008 Policy Owner Chief Financial

More information

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

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

More information

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

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

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

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

More information

The following are responsible for the accuracy of the information contained in this document:

The following are responsible for the accuracy of the information contained in this document: AskUGA 1 of 5 Credit/Debit Cards Responsible administrator: Senior Vice President for Finance and Administration Related Procedure: The Credit/Debit Card Processing Procedures Responsible department: Bursar's

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 to Take your Contact Centre Out of Scope for PCI DSS. Reducing Cost and Risk in Credit Card Transactions for Contact Centres

How to Take your Contact Centre Out of Scope for PCI DSS. Reducing Cost and Risk in Credit Card Transactions for Contact Centres How to Take your Contact Centre Out of Scope for PCI DSS Reducing Cost and Risk in Credit Card Transactions for Contact Centres 1 2 Contents 4 Executive Summary 6 PCI DSS Background 8 PCI DSS What s Involved

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

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

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

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