Getting ready for your final audit? If your organisation is new to the process, achieving and maintaining PCI DSS compliance may seem tedious and costly. However, if you can put the right tools and practices in place, the process can be much simpler, and this is certainly achievable by most small and medium-sized enterprises.
So, before you make the final call to the auditor, make sure that you’ve marked off and conformed to all the points on your compliance checklist. If you’re not making use of a hosted solution, you need to fulfil all of the 12 requirements of PCI DSS at all times. Even if you are, a compliant hosting provider reduces your obligations but doesn’t remove your responsibility for compliance. There are also a number of other key points that ensure your readiness for the final audit.
The following list of eight actions comprises a thorough PCI DSS compliance checklist that will help you prepare your organisation for the PCI compliance audit. Keep the list handy and check off actions as you’ve completed them.
The most important step is to categorise your merchant and service provider level. This is important because it will help you decide whether you need to work on a Self-Assessment Questionnaire (SAQ) or if you need a Level 1 Onsite Assessment done by a Qualified Security Assessor (QSA).
In case of SAQ compliance, determine the platforms you need to be compliant with. This can be determined by visiting www.pcisecuritystandards.org and finding out which scenario fits your organisation best. Based on this scenario, you can choose from a number of SAQ types such as A, A-EP, B, B-IP, C, C-VT, D, P2PE and SPoC.
In case of a Level 1 Onsite Assessment, get a Qualified Security Assessor who can ensure good quality work matched with a fair fee.
Though it may seem easy at first, it’s one of the most daunting tasks to develop and maintain a way to track all your credit card assets and locations. You must know the business processes that involve the use of cardholder data, its storage location, its access mechanism and the ports and protocols applied when transferring cardholder data from one location to another. Update this inventory on an ongoing basis.
Many organisations fail to achieve PCI compliance because they try to implement the standard across the entire organisation instead of focusing only on the areas involved in dealing with cardholder data. Scoping your organisation for PCI DSS helps save a lot of time, cost and effort for both your organisation and your QSA. With the scope minimised, you can effectively concentrate on compliance areas only. Make sure you include only those processes in the scope of compliance that are directly or indirectly involved in storing, processing and/or transmitting cardholder data.
Although it may seem like an easy task at first, many organisations fail to comply with this very basic requirement of PCI DSS. This normally happens due to a misconfigured firewall. Hence, it is very important to keep an updated firewall between the public network and cardholder data. Firewalls are one type of network security control, and PCI DSS v4.0.1 requires network security control configurations to be reviewed at least once every six months.
Protection of data is ensured with regular implementation of strong access control measures. Make sure that you’ve deployed digital certificates and other widely used cryptographic techniques for authentication purposes, along with multi-factor authentication, which PCI DSS v4.0.1 requires for all non-console access into the cardholder data environment. Additional security is also desirable: access to data decryption keys should be limited to a “need-to-know” basis.
New threats emerge every day just as compliance requirements keep evolving. To ensure compliance at all times, it is important to conduct regular monitoring and testing of networks. Confirm your PCI scope at least once every 12 months and whenever your in-scope environment changes significantly (service providers must do so every six months), and make use of data loss prevention and event monitoring tools to analyse the safety of your data in real time. Also verify that all your third parties that deal with storing, processing and transmitting cardholder data are also PCI-compliant and ask for written proof, checking their compliance status at least once every 12 months.
Often organisations that achieve one-time compliance fail to maintain and operationalise PCI-compliant policies and procedures. Though the intent to remain compliant never diminishes, gradual changes in the environment lead towards non-conformity. Some of the changes may be new employees, staff turnover or promotions. Many auditors see this as a general weakness in organisations that lack the willingness to keep up with controls. To ensure the long-term success of your PCI DSS agenda, you must include these checkpoints in your final list every time:
Some of the processes that can be automated with the application of the correct tools are:
It’s important to keep track of changes and updates in organisational policies and procedures to make it easier for the auditor to understand any changes you make. The Information Security Policy, in particular, should be maintained, reviewed at least once every 12 months and communicated to all employees to keep them knowledgeable about information security threats. Regular training and awareness sessions on information security must also be conducted.
To ensure all your controls are working effectively, always conduct an internal assessment or audit prior to the final audit. Often the IT controls implemented for ensuring compliance do not work as expected. An internal audit can help fix these errors to put all necessary controls in place.
You must always stay in contact with your QSA throughout the year, especially in times of major changes to your IT environment. This helps keep them updated and also allows you to proactively deal with any potential new issues rather than dealing with them after implementation. With their years of experience, they can provide you with valuable and meaningful advice right away when problems arise, and help you solve them there and then.
Did this checklist help you? Is your business looking to get PCI DSS compliant? StickmanCyber's PCI DSS compliance service deploys a 5-step methodology to help you build trust with your customers and secure your card transactions. Book a free consultation today.
PCI DSS v4.0.1 requires personnel to receive security awareness training when they are hired and at least once every 12 months after that, and to acknowledge your security policy at least once every 12 months. The training must cover threats such as phishing and social engineering, and the awareness program itself must be reviewed at least once every 12 months.
PCI DSS v4.0.1 requires you to keep audit log history for at least 12 months, with at least the most recent three months immediately available for analysis. It also requires automated mechanisms to review audit logs, which is where tools such as a SIEM can help.
File integrity monitoring is a change-detection tool that alerts you when critical files are changed, added or deleted without authorisation. PCI DSS v4.0.1 requires a change-detection mechanism that alerts personnel to unauthorised changes to critical files and performs critical file comparisons at least once a week.
PCI DSS v4.0.1 requires user IDs to be locked out after no more than 10 invalid login attempts. The lockout must last at least 30 minutes or until the user’s identity is confirmed. This limits password-guessing attacks against accounts that can reach cardholder data.
Yes. PCI DSS v4.0.1 requires an incident response plan that is ready to be activated in the event of a suspected or confirmed security incident. The plan must be reviewed, updated as needed and tested at least once every 12 months. Our incident response plan template article explains how to build one.