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PCI DSS Controls

Req Level One Two Three Three Three Three Three Three Three Three

Parent Req # 1 1 1 1 1 1 1 1 1 1

Req # 1 1.1 1.1.1 1.1.2

Test Proc # 1 1.1 1.1.1

PCI Requirement Requirement 1: Install and maintain a firewall configuration to protect cardholder data 1.1 Establish firewall and router configuration standards that include the following:

Testing Procedure

PCI SSC Guidance

1.1.1 A formal process for approving and testing all network connections and changes to the firewall and router configurations 1.1.2 Current network diagram with all connections to 1.1.2.a cardholder data, including any wireless networks 1.1.2.b

1.1 Obtain and inspect the firewall and router configuration standards and other documentation specified below to verify that standards are complete. 1.1.1 Verify that there is a formal process for testing and approval of all network connections and changes to firewall and router configurations. 1.1.2.a Verify that a current network diagram (for example, one that shows cardholder data flows over the network) exists and that it documents all 1.1.2.b Verify that the diagram is kept current.

Firewalls and routers are key components of the architecture that controls entry to and exit from the network. These devices are software or hardware A policy and process for approving and testing all connections and changes to the firewalls and routers will help prevent security problems caused by Network diagrams enable the organization to identify the location of all its network devices. Additionally, the network diagram can be used to map the data flow of

1.1.3

1.1.3 Requirements for a firewall at each Internet 1.1.3.a Verify that firewall configuration standards 1.1.3.a connection and between any demilitarized zone (DMZ) include requirements for a firewall at each Internet and the internal network zone connection and between any DMZ and the internal 1.1.3.b Verify that the current network diagram is 1.1.3.b consistent with the firewall configuration standards. 1.1.4 Verify that firewall and router configuration standards include a description of groups, roles, and responsibilities for logical management of network 1.1.5 Documentation and business justification for use 1.1.5.a Verify that firewall and router configuration 1.1.5.a of all services, protocols, and ports allowed, including standards include a documented list of services, documentation of security features implemented for protocols and ports necessary for businessfor 1.1.5.b Identify insecure services, protocols, and ports 1.1.5.b allowed; and verify they are necessary and that security features are documented and implemented by 1.1.4 1.1.4 Description of groups, roles, and responsibilities for logical management of network components

Using a firewall on every connection coming into (and out of) the network allows the organization to monitor and control access in and out, and to minimize the

1.1.4 1.1.5

This description of roles and assignment of responsibility ensures that someone is clearly responsible for the security of all components and is Compromises often happen due to unused or insecure service and ports, since these often have known vulnerabilitiesand many

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PCI DSS Controls

Req Level Three Three Two Two Three Three Three Three Two Three Three

Parent Req # 1 1 1 1 1 1 1 1 1 1 1

Req # 1.1.6

Test Proc # 1.1.6.a 1.1.6.b

PCI Requirement 1.1.6 Requirement to review firewall and router rule sets at least every six months

Testing Procedure 1.1.6.a Verify that firewall and router configuration standards require review of firewall and router rule sets at least every six months. 1.1.6.b Obtain and examine documentation to verify that the rule sets are reviewed at least every six months. 1.2 Examine firewall and router configurations to verify that connections are restricted between untrusted networks and system components in the cardholder

PCI SSC Guidance This review gives the organization an opportunity at least every six months to clean up any unneeded, outdated, or incorrect rules, and ensure that all rule

1.2 Note: 1.2.1

1.2 Build firewall and router configurations that restrict connections between untrusted networks and any system components in the cardholder data Note: An untrusted network is any network that is external to the networks belonging to the entity under review, and/or which is out of the entity's ability to 1.2.1 Restrict inbound and outbound traffic to that 1.2.1.a which is necessary for the cardholder data environment. 1.2

It is essential to install network protection, namely a system component with (at a minimum) stateful inspection firewall capability, between the internal,

1.2.2 1.2.3 1.3 1.3.1 1.3.2

1.2.1.a Verify that inbound and outbound traffic is limited to that which is necessary for the cardholder data environment, and that the restrictions are 1.2.1.b Verify that all other inbound and outbound 1.2.1.b traffic is specifically denied, for example by using an explicit deny all or an implicit deny after allow 1.2.2 Verify that router configuration files are secure 1.2.2 1.2.2 Secure and synchronize router configuration files. and synchronizedfor example, running configuration files (used for normal running of the routers) and start1.2.3 Install perimeter firewalls between any wireless 1.2.3 Verify that there are perimeter firewalls installed 1.2.3 networks and the cardholder data environment, and between any wireless networks and systems that store configure these firewalls to deny or control (if such cardholder data, and that these firewalls deny or 1.3 Prohibit direct public access between the Internet 1.3 Examine firewall and router 1.3 and any system component in the cardholder data configurationsincluding but not limited to the choke environment. router at the Internet, the DMZ router and firewall, the 1.3.1 Implement a DMZ to limit inbound traffic to only 1.3.1 Verify that a DMZ is implemented to limit inbound 1.3.1 system components that provide authorized publicly traffic to only system components that provide accessible services, protocols, and ports. authorized publicly accessible services, protocols, and 1.3.2 Limit inbound Internet traffic to IP addresses 1.3.2 Verify that inbound Internet traffic is limited to IP 1.3.2 within the DMZ. addresses within the DMZ.

This requirement is intended to prevent malicious individuals from accessing the organization's network via unauthorized IP addresses or from using services,

While running configuration files are usually implemented with secure settings, the start-up files (routers run these files only upon re-start) may not be The known (or unknown) implementation and exploitation of wireless technology within a network is a common path for malicious individuals to gain access A firewall's intent is to manage and control all connections between public systems and internal systems (especially those that store, process or The DMZ is that part of the network that manages connections between the Internet (or other untrusted networks), and internal Termination of IP connections at the DMZ provides opportunity for inspection and restriction of source/destination, and/or inspection / blocking of

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PCI DSS Controls

Req Level Three Three Three Three Three Three Three Two Two One

Parent Req # 1 1 1 1 1 1 1.3.8.b 1.4.a 1.4.b 2

Req # 1.3.3 1.3.4 1.3.5 1.3.6 1.3.7 1.3.8

Test Proc # 1.3.3

PCI Requirement 1.3.3 Do not allow any direct connections inbound or outbound for traffic between the Internet and the cardholder data environment.

Testing Procedure

PCI SSC Guidance

1.4

Require ment

Termination of IP connections both inbound and 1.3.3 Verify direct connections inbound or outbound are not allowed for traffic between the Internet and the outbound provides opportunity for inspection and restriction of source/destination, and/or inspection / cardholder data environment. Normally a packet contains the IP address of the 1.3.4 Do not allow internal addresses to pass from the 1.3.4 Verify that internal addresses cannot pass from computer that originally sent it. This allows other 1.3.4 Internet into the DMZ. the Internet into the DMZ. computers in the network to know where it came from. All traffic outbound from inside the cardholder data 1.3.5 Do not allow unauthorized outbound traffic from 1.3.5 Verify that outbound traffic from the cardholder environment should be 1.3.5 the cardholder data environment to the Internet. data environment to the Internet is explicitly authorized evaluated to ensure that outbound traffic follows A firewall that performs stateful packet inspection 1.3.6 Implement stateful inspection, also known as 1.3.6 Verify that the firewall performs stateful 1.3.6 dynamic packet filtering. (That is, only established inspection (dynamic packet filtering). (Only established keeps "state" (or the status) for each connection to the connections are allowed into the network.) connections should be allowed in, and only if they are firewall. By keeping "state," the firewall knows whether Cardholder data requires the highest level of 1.3.7 Place system components that store cardholder 1.3.7 Verify that system components that store information protection. If cardholder data is located 1.3.7 data (such as a database) in an internal network zone, cardholder data are on an internal network zone, within the DMZ, access to this information is easier for segregated from the DMZ and other untrusted segregated from the DMZ and other untrusted 1.3.8 Do not disclose private IP addresses and routing 1.3.8.a Verify that methods are in place to prevent the Restricting the broadcast of IP addresses is essential to prevent a hacker 1.3.8.a information to unauthorized parties. disclosure of private IP addresses and routing learning the IP addresses of the internal network, and information from internal networks to the Internet. 1.3.8.b Verify that any disclosure of private IP 1.3.8.b addresses and routing information to external entities is authorized. If a computer does not have a firewall or anti-virus 1.4 Install personal firewall software on any mobile 1.4.a Verify that mobile and/or employee-owned program installed, spyware, 1.4.a and/or employee-owned computers with direct computers with direct connectivity to the Internet (for connectivity to the Internet (for example, laptops used example, laptops used by employees), and which are Trojans, viruses, worms and rootkits (malware) may be 1.4.b Verify that the personal firewall software is 1.4.b configured by the organization to specific standards and is not alterable by users of mobile and/or Requirement 2: Do not use vendor-supplied 2 defaults for system passwords and other security parameters

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PCI DSS Controls

Req Level Two Three Three Three Three Three Three

Parent Req # 2 2 2 2 2 2 2

Req # 2.1 2.1.1

Test Proc # 2.1 2.1.1 2.1.1.a 2.1.1.b 2.1.1.c 2.1.1.d 2.1.1.e

PCI Requirement 2.1 Always change vendor-supplied defaults before installing a system on the network, including but not limited to passwords, simple network management 2.1.1 For wireless environments connected to the cardholder data environment or transmitting cardholder data, change wireless vendor defaults, including but

Testing Procedure 2.1 Choose a sample of system components, and attempt to log on (with system administrator help) to the devices using default vendor-supplied accounts 2.1.1 Verify the following regarding vendor default settings for wireless environments: 2.1.1.a Verify encryption keys were changed from default at installation, and are changed anytime anyone with knowledge of the keys leaves the company or 2.1.1.b Verify default SNMP community strings on wireless devices were changed. 2.1.1.c Verify default passwords/passphrases on access points were changed. 2.1.1.d Verify firmware on wireless devices is updated to support strong encryption for authentication and transmission over wireless networks. 2.1.1.e Verify other security-related wireless vendor defaults were changed, if applicable.

PCI SSC Guidance Malicious individuals (external and internal to a company) often use vendor default settings, account names, and passwords to compromise systems. These Many users install these devices without management approval and do not change default settings or configure security settings. If wireless networks are not

20

PCI DSS Controls

Req Level Two Two Two Two Three Three Three Three Three Three Three Three Three Three Three Two Two Two Two

Parent Req # 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2

Req # 2.2

Test Proc # 2.2.a 2.2.b 2.2.c 2.2.d

PCI Requirement 2.2 Develop configuration standards for all system components. Assure that these standards address all known security vulnerabilities and are consistent with

Testing Procedure

PCI SSC Guidance

2.2.a Examine the organizations system configuration There are known weaknesses with many operating systems, databases, and standards for all types of system components and enterprise applications, and there are also known ways verify the system configuration standards are 2.2.b Verify that system configuration standards are updated as new vulnerability issues are identified, as defined in Requirement 6.2. 2.2.c Verify that system configuration standards are applied when new systems are configured. 2.2.d Verify that system configuration standards include each item below (2.2.1 2.2.4). This is intended to ensure your organization's system configuration standards and related processes address server functions that need to have different security

2.2.1

2.2.2

2.2.3

2.2.1 Implement only one primary function per server to 2.2.1.a For a sample of system components, verify that 2.2.1.a prevent functions that require different security levels only one primary function is implemented per server. from co-existing on the same server. (For example, 2.2.1.b If virtualization technologies are used, verify 2.2.1.b that only one primary function is implemented per virtual system component or device. 2.2.2 Enable only necessary and secure services, 2.2.2.a For a sample of system components, inspect 2.2.2.a protocols, daemons, etc., as required for the function enabled system services, daemons, and protocols. of the system. Verify that only necessary services or protocols are 2.2.2.b Identify any enabled insecure services, 2.2.2.b daemons, or protocols. Verify they are justified and that security features are documented and implemented. 2.2.3.a Interview system administrators and/or security 2.2.3 Configure system security parameters to prevent 2.2.3.a managers to verify that they have knowledge of misuse. common security parameter settings for system 2.2.3.b Verify that common security parameter settings 2.2.3.b are included in the system configuration standards. 2.2.3.c 2.2.3.c For a sample of system components, verify that common security parameters are set appropriately. 2.2.4 Remove all unnecessary functionality, such as scripts, drivers, features, subsystems, file systems, and unnecessary web servers.

As stated in Requirement 1.1.5, there are many protocols that a business may need (or have enabled by default) that are commonly used by malicious

This is intended to ensure your organizations system configuration standards and related processes specifically address security settings and parameters

2.2.4

2.2.4 2.2.4.a 2.2.4.b. 2.2.4.c.

2.2.4 For a sample of system components, verify that The server-hardening standards must include processes to address unnecessary functionality with all unnecessary functionality (for example, scripts, specific security implications (like removing/disabling drivers, features, subsystems, file systems, etc.) is 2.2.4.a For a sample of system components, verify that all unnecessary functionality (for example, scripts, drivers, features, subsystems, file systems, etc.) is 2.2.4.b. Verify enabled functions are documented and support secure configuration. 2.2.4.c. Verify that only documented functionality is present on the sampled system components.

2.3

2.3 2.3.a 2.3.b 2.3.c

2.3 Encrypt all non-console administrative access using strong cryptography. Use technologies such as SSH, VPN, or SSL/TLS for web-based management

If remote administration is not done with secure 2.3 For a sample of system components, verify that authentication and encrypted non-console administrative access is encrypted by communications, sensitive administrative or performing the following: 2.3.a Observe an administrator log on to each system to verify that a strong encryption method is invoked before the administrators password is requested. 2.3.b Review services and parameter files on systems to determine that Telnet and other remote login commands are not available for use internally. 2.3.c Verify that administrator access to the web-based management interfaces is encrypted with strong cryptography.

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PCI DSS Controls

Req Level Two One Two Three Three Three Three Three Two Two Two Three Three Three Two Two Two Two Two

Parent Req # 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

Req # 2.4 Require ment 3.1 3.1.1

Test Proc # 2.4 3 3.1

PCI Requirement

Testing Procedure

PCI SSC Guidance This is intended for hosting providers that provide shared hosting environments for multiple clients on the same server. When all data is on the same server and

2.4 Shared hosting providers must protect each entitys 2.4 Perform testing procedures A.1.1 through A.1.4 hosted environment and cardholder data. These detailed in Appendix A: Additional PCI DSS providers must meet specific requirements as detailed Requirements for Shared Hosting Providers for PCI Requirement 3: Protect stored cardholder data

3.1 Keep cardholder data storage to a minimum by implementing data retention and disposal policies, procedures and processes, as follows. 3.1.1 Implement a data retention and disposal policy 3.1.1.a that includes: Limiting data storage amount and retention time to 3.1.1.b 3.1.1.c 3.1.1.d

3.1 Obtain and examine the policies, procedures and A formal data retention policy identifies what data processes for data retention and disposal, and perform needs to be retained, and where that data resides so it can be securely destroyed or deleted as soon as it is the following: 3.1.1.a Verify that policies and procedures are implemented and include legal, regulatory, and business requirements for data retention, including 3.1.1.b Verify that policies and procedures include provisions for secure disposal of data when no longer needed for legal, regulatory, or business reasons, 3.1.1.c Verify that policies and procedures include coverage for all storage of cardholder data.

3.2

3.1.1.d Verify that policies and procedures include at least one of the following: A programmatic process (automatic or manual) to 3.1.1.e For a sample of system components that store 3.1.1.e cardholder data, verify that the data stored does not exceed the requirements defined in the data retention Sensitive authentication data consists of magnetic 3.2 Do not store sensitive authentication data after 3.2.a For issuers and/or companies that support stripe (or track) data6, card 3.2.a authorization (even if encrypted). issuing services and store sensitive authentication Sensitive authentication data includes the data as cited data, verify there is a business justification for the validation code or value, and PIN data. Storage of 3.2.b For all other entities, if sensitive authentication 3.2.b data is received and deleted, obtain and review the processes for securely deleting the data to verify that 3.2.c For each item of sensitive authentication data 3.2.c below, perform the following steps: 3.2.1 3.2.2 3.2.3 3.3 3.4.a 3.4.b 3.4.c 3.4.d 3.2.1 Do not store the full contents of any track (from the magnetic stripe located on the back of a card, equivalent data contained on a chip, or elsewhere). 3.2.2 Do not store the card verification code or value (three-digit or four-digit number printed on the front or back of a payment card) used to verify card-not3.2.1 For a sample of system components, examine data sources, including but not limited to the following, and verify that the full contents of any track from the 3.2.2 For a sample of system components, examine data sources, including but not limited to the following, and verify that the three-digit or four-digit card 3.2.3 For a sample of system components, examine 3.2.3 Do not store the personal identification number data sources, including but not limited to the following (PIN) or the encrypted PIN block. and verify that PINs and encrypted PIN blocks are not 3.3 Mask PAN when displayed (the first six and last 3.3 Obtain and examine written policies and examine four digits are the maximum number of digits to be displays of PAN (for example, on screen, on paper displayed). receipts) to verify that primary account numbers 3.4 Render PAN unreadable anywhere it is stored 3.4.a Obtain and examine documentation about the (including on portable digital media, backup media, and system used to protect the PAN, including the vendor, in logs) by using any of the following approaches: type of system/process, and the encryption algorithms 3.4.b Examine several tables or files from a sample of data repositories to verify the PAN is rendered unreadable (that is, not stored in plain-text). 3.4.c Examine a sample of removable media (for example, back-up tapes) to confirm that the PAN is rendered unreadable. 3.4.d Examine a sample of audit logs to confirm that the PAN is rendered unreadable or removed from the logs. If full track data is stored, malicious individuals who obtain that data can reproduce and sell payment cards. The purpose of the card validation code is to protect "card-not-present" transactionsInternet or mail order/telephone order These values should be known only to the card owner or bank that issued the card. If this prohibited data is stored and subsequently stolen, malicious individuals The display of full PAN on items such as computer screens, payment card receipts, faxes, or paper reports can result in this data Lack of protection of PANs can allow malicious individuals to view or download this data. PANs stored in primary storage (databases, or flat files such as text

3.2.1 3.2.2 3.2.3 3.3 3.4

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PCI DSS Controls

Req Level Three Three Three Two Three Three Three Two Two Two Three Three Three Three Three Three Three Three Three

Parent Req # 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

Req # 3.4.1

Test Proc #

PCI Requirement

Testing Procedure

PCI SSC Guidance

The intent of this requirement is to address the 3.4.1 If disk encryption is used (rather than file- or 3.4.1.a If disk encryption is used, verify that logical 3.4.1.a column-level database encryption), logical access must access to encrypted file systems is implemented via a acceptability of disk encryption for rendering be managed independently of native operating system mechanism that is separate from the native operating cardholder data unreadable. Disk encryption encrypts 3.4.1.b Verify that cryptographic keys are stored 3.4.1.b securely (for example, stored on removable media that is adequately protected with strong access controls). 3.4.1.c Verify that cardholder data on removable media 3.4.1.c is encrypted wherever stored. 3.5 3.5.1 3.5.2.a 3.5.2.b 3.5 Protect any keys used to secure cardholder data against disclosure and misuse: 3.5.1 Restrict access to cryptographic keys to the fewest number of custodians necessary. 3.5.2 Store cryptographic keys securely in the fewest possible locations and forms. 3.5 Verify processes to protect keys used for encryption of cardholder data against disclosure and misuse by performing the following: 3.5.1 Examine user access lists to verify that access to keys is restricted to the fewest number of custodians necessary. 3.5.2.a Examine system configuration files to verify that keys are stored in encrypted format and that keyencrypting keys are stored separately from data3.5.2.b Identify key storage locations to verify that keys are stored in the fewest possible locations and forms. Cryptographic keys must be strongly protected because those who obtain access will be able to decrypt data. Key-encrypting keys, if used, must be at There should be very few who have access to cryptographic keys, usually only those who have key custodian responsibilities. Cryptographic keys must be stored securely, usually encrypted with key-encrypting keys, and stored in very few locations. It is not intended that the key-encrypting

3.5 3.5.1 3.5.2

3.6

3.6.1 3.6.2 3.6.3 3.6.4 3.6.5

3.6.6 3.6.7

The manner in which cryptographic keys are managed 3.6 Fully document and implement all key-management 3.6.a Verify the existence of key-management processes and procedures for cryptographic keys used procedures for keys used for encryption of cardholder is a critical part of the continued security of the encryption solution. A good for encryption of cardholder data, including the data. 3.6.b For service providers only: If the service provider 3.6.b shares keys with their customers for transmission or storage of cardholder data, verify that the service 3.6.c Examine the key-management procedures and 3.6.c perform the following: The encryption solution must generate strong keys, as 3.6.1 Verify that key-management procedures are defined in the PCI DSS and PA-DSS Glossary of 3.6.1 3.6.1 Generation of strong cryptographic keys implemented to require the generation of strong keys. Terms, Abbreviations, and Acronyms under "strong The encryption solution must distribute keys securely, 3.6.2 Verify that key-management procedures are meaning the keys are not distributed in the clear, and 3.6.2 3.6.2 Secure cryptographic key distribution implemented to require secure key distribution. only to custodians identified in 3.5.1. The encryption solution must store keys securely, 3.6.3 Verify that key-management procedures are meaning the keys are not stored in the clear (encrypt 3.6.3 3.6.3 Secure cryptographic key storage implemented to require secure key storage. them with a key-encryption key). A cryptoperiod is the time span during which a 3.6.4 Cryptographic key changes for keys that have 3.6.4 Verify that key-management procedures are particular cryptographic key can be used for its defined 3.6.4 reached the end of their cryptoperiod (for example, implemented to require periodic key changes at the purpose. Considerations for defining the cryptoperiod after a defined period of time has passed and/or after a end of the defined cryptoperiod. Old keys that are no longer used or needed should be 3.6.5 Retirement or replacement (for example, 3.6.5.a Verify that key-management procedures are 3.6.5.a archiving, destruction, and/or revocation) of keys as implemented to require the retirement of keys when the retired and destroyed to ensure that the keys can no longer be used. If old keys deemed necessary when the integrity of the key has integrity of the key has been weakened. 3.6.5.b Verify that the key-management procedures 3.6.5.b are implemented to require the replacement of known or suspected compromised keys. 3.6.5.c If retired or replaced cryptographic keys are 3.6.5.c retained, verify that these keys are not used for encryption operations. Split knowledge and dual control of keys are used to 3.6.6 If manual clear-text cryptographic key 3.6.6 Verify that manual clear-text key-management 3.6.6 management operations are used, these operations procedures require split knowledge and dual control of eliminate the possibility of one persons having access to the whole key. This control is applicable for manual must be managed using split knowledge and dual keys. The encryption solution should not allow for or accept 3.6.7 Verify that key-management procedures are 3.6.7 Prevention of unauthorized substitution of 3.6.7 implemented to require the prevention of unauthorized substitution of keys coming from unauthorized sources cryptographic keys. or unexpected processes. substitution of keys. 3.6.a

20

PCI DSS Controls

Req Level Three One Two Two Two Two Two Two Three Two Two One Two Two Three Two Two Two Two

Parent Req # 3 4 4 4 4 4 4 4 4 4 4 5 5 5 5 5 5 5 5

Req # 3.6.8 Require ment 4.1

Test Proc # 3.6.8 4 4.1 4.1.a 4.1.b 4.1.c 4.1.d 4.1.e

PCI Requirement 3.6.8 Requirement for cryptographic key custodians to formally acknowledge that they understand and accept their key-custodian responsibilities. Requirement 4: Encrypt transmission of cardholder data across open, public networks 4.1 Use strong cryptography and security protocols (for example, SSL/TLS, IPSEC, SSH, etc.) to safeguard sensitive cardholder data during transmission over

Testing Procedure

PCI SSC Guidance

This process will ensure individuals that act as key 3.6.8 Verify that key-management procedures are implemented to require key custodians to acknowledge custodians commit to the key custodian role and understand the responsibilities. (in writing or electronically) that they understand and

4.1 Verify the use of security protocols wherever cardholder data is transmitted or received over open, public networks. 4.1.a Select a sample of transactions as they are received and observe transactions as they occur to verify that cardholder data is encrypted during transit. 4.1.b Verify that only trusted keys and/or certificates are accepted.

Sensitive information must be encrypted during transmission over public networks, because it is easy and common for a malicious individual to intercept

4.1.1 4.2

4.1.1 4.2.a 4.2.b

Require ment 5.1

5 5.1

4.1.c Verify that the protocol is implemented to use only secure configurations, and does not support insecure versions or configurations. 4.1.d Verify that the proper encryption strength is implemented for the encryption methodology in use. (Check vendor recommendations/best practices.) 4.1.e For SSL/TLS implementations: Verify that HTTPS appears as a part of the browser Universal Record Locator (URL). 4.1.1 Ensure wireless networks transmitting cardholder 4.1.1 For wireless networks transmitting cardholder data or connected to the cardholder data environment, data or connected to the cardholder data environment, use industry best practices (for example, IEEE 802.11i) verify that industry best practices (for example, IEEE 4.2 Never send unprotected PANs by end-user 4.2.a Verify that PAN is rendered unreadable or messaging technologies (for example, e-mail, instant secured with strong cryptography whenever it is sent messaging, chat, etc.). via end-user messaging technologies. 4.2.b Verify the existence of a policy stating that unprotected PANs are not to be sent via end-user messaging technologies. Requirement 5: Use and regularly update anti-virus software or programs 5.1 Deploy anti-virus software on all systems 5.1 For a sample of system components including all commonly affected by malicious software (particularly operating system types commonly affected by personal computers and servers). malicious software, verify that anti-virus software is

Malicious users use free and widely available tools to eavesdrop on wireless communications. Use of strong cryptography can limit E-mail, instant messaging, and chat can be easily intercepted by packet-sniffing during delivery traversal across internal and public networks. Do not utilize

There is a constant stream of attacks using widely published exploits, often "0 day" (published and spread throughout networks within an hour of discovery)

5.1.1 5.2 Ensu re

5.1.1 5.2 5.2.a 5.2.b 5.2.c

5.1.1 Ensure that all anti-virus programs are capable of detecting, removing, and protecting against all known types of malicious software. 5.2 Ensure that all anti-virus mechanisms are current, actively running, and generating audit logs.

5.1.1 For a sample of system components, verify that all anti-virus programs detect, remove, and protect against all known types of malicious software (for 5.2 Verify that all anti-virus software is current, actively running, and generating logs by performing the following: 5.2.a Obtain and examine the policy and verify that it requires updating of anti-virus software and definitions. 5.2.b Verify that the master installation of the software is enabled for automatic updates and periodic scans. 5.2.c For a sample of system components including all operating system types commonly affected by malicious software, verify that automatic updates and

It is important to protect against ALL types and forms of malicious software. The best anti-virus software is limited in effectiveness if it does not have current antivirus signatures or if it isn't active in the network or on an individual's

20

PCI DSS Controls

Req Level Two One Two Two Two Two Two Two Two Two Three Three Three Two Three Three Three Three Three

Parent Req # 5 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6

Req #

Test Proc # 5.2.d

PCI Requirement

Testing Procedure 5.2.d For a sample of system components, verify that anti-virus software log generation is enabled and that such logs are retained in accordance with PCI DSS

PCI SSC Guidance

Require ment 6.1

6.2

6.3

6.3.1 6.3.2

6.4 6.4.1 6.4.2 6.4.3 6.4.4 6.4.5

Requirement 6: Develop and maintain secure systems and applications 6.1 Ensure that all system components and software 6.1.a For a sample of system components and related 6.1.a are protected from known vulnerabilities by having the software, compare the list of security patches installed latest vendor-supplied security patches installed. Install on each system to the most recent vendor security 6.1.b Examine policies related to security patch 6.1.b installation to verify they require installation of all critical new security patches within one month. 6.2 Establish a process to identify and assign a risk 6.2.a Interview responsible personnel to verify that 6.2.a ranking to newly discovered security vulnerabilities. processes are implemented to identify new security vulnerabilities, and that a risk ranking is assigned to 6.2.b Verify that processes to identify new security 6.2.b vulnerabilities include using outside sources for security vulnerability information. 6.3 Develop software applications (internal and 6.3.a Obtain and examine written software 6.3.a external, and including web-based administrative development processes to verify that the processes access to applications) in accordance with PCI DSS are based on industry standards and/or best practices. 6.3.b Examine written software development 6.3.b processes to verify that information security is included throughout the life cycle. 6.3.c Examine written software development 6.3.c processes to verify that software applications are developed in accordance with PCI DSS. 6.3.d From an examination of written software 6.3.d development processes, and interviews of software developers, verify that: 6.3.1 Removal of custom application accounts, user 6.3.1 Custom application accounts, user IDs and/or 6.3.1 IDs, and passwords before applications become active passwords are removed before system goes into or are released to customers production or is released to customers. 6.3.2 Review of custom code prior to release to 6.3.2.a Obtain and review policies to confirm that all 6.3.2.a production or customers in order to identify any custom application code changes must be reviewed potential coding vulnerability. (using either manual or automated processes) as 6.3.2.b Select a sample of recent custom application 6.3.2.b changes and verify that custom application code is reviewed according to 6.3.2.a, above. 6.4 Follow change control processes and procedures 6.4 From an examination of change control processes, 6.4 for all changes to system components. The processes interviews with system and network administrators, and must include the following: examination of relevant data (network configuration 6.4.1 The development/test environments are separate 6.4.1 Separate development/test and production 6.4.1 from the production environment, with access control in environments place to enforce the separation. 6.4.2 There is a separation of duties between 6.4.2 Separation of duties between development/test 6.4.2 personnel assigned to the development/test and production environments environments and those assigned to the production 6.4.3 Production data (live PANs) are not used for 6.4.3 Production data (live PANs) are not used for 6.4.3 testing or development testing or development. 6 6.4.4 6.4.4 Removal of test data and accounts before production systems become active

There are a considerable amount of attacks using widely published exploits, often "0 day" (published within the hour) against otherwise secured systems.

The intention of this requirement is that organizations keep up-to-date with new vulnerabilities that may impact their environment.

Without the inclusion of security during the requirements definition, design, analysis, and testing phases of software development,

Custom application accounts, user IDs, and passwords should be removed from production code before the application becomes active or is released to Security vulnerabilities in custom code are commonly exploited by malicious individuals to gain access to a network and

6.4.5 Change control procedures for the 6.4.5.a implementation of security patches and software modifications. Procedures must include the following:

Without proper change controls, security features could be inadvertently or deliberately omitted or rendered inoperable, processing Due to the constantly changing state of development and test environments, they tend to be less secure than the production environment. Without adequate Reducing the number of personnel with access to the production environment and cardholder data minimizes risk and helps ensure that access is limited to those Security controls are usually not as stringent in the development environment. Use of production data provides malicious individuals with the opportunity to Test data and accounts should be removed from 6.4.4 Test data and accounts are removed before a production code before the production system becomes active. application becomes active, since these items may 6.4.5.a Verify that change-control procedures related to Without proper change controls, security features could be inadvertently or implementing security patches and software deliberately omitted or rendered inoperable, processing modifications are documented and require items

20

PCI DSS Controls

Req Level Three Four Four Four Four Four Two Two Two Three Three Three Three Three Three Two Three Three Three

Parent Req # 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6

Req #

Test Proc # 6.4.5.b

PCI Requirement

Testing Procedure 6.4.5.b For a sample of system components and recent changes/security patches, trace those changes back to related change control documentation. For 6.4.5.1 Verify that documentation of impact is included in the change control documentation for each sampled change. 6.4.5.2 Verify that documented approval by authorized parties is present for each sampled change. 6.4.5.3.a For each sampled change, verify that functionality testing is performed to verify that the change does not adversely impact the security of the 6.4.5.3.b For custom code changes, verify that all updates are tested for compliance with PCI DSS Requirement 6.5 before being deployed into 6.4.5.4 Verify that back-out procedures are prepared for each sampled change. 6.5.a Obtain and review software development processes. Verify that processes require training in secure coding techniques for developers, based on 6.5.b Interview a sample of developers and obtain evidence that they are knowledgeable in secure coding techniques. 6.5.c Verify that processes are in place to ensure that applications are not vulnerable to, at a minimum, the following: 6.5.1 Injection flaws, particularly SQL injection. (Validate input to verify user data cannot modify meaning of commands and queries, utilize 6.5.2 Buffer overflow (Validate buffer boundaries and truncate input strings.)

PCI SSC Guidance

6.4.5.1 6.4.5.2 6.4.5.3

6.4.5.1 6.4.5.1 Documentation of impact. 6.4.5.2 6.4.5.3. 6.4.5.3. 6.4.5.2 Documented change approval by authorized parties. 6.4.5.3 Functionality testing to verify that the change does not adversely impact the security of the system.

The impact of the change should be documented so that all affected parties will be able to plan appropriately for any processing changes. Approval by authorized parties indicates that the change is a legitimate and approved change sanctioned by the organization. Thorough testing should be performed to verify that the security of the environment is not reduced by implementing a change. Testing should validate that all

6.4.5.4 6.5

6.4.5.4 6.4.5.4 Back-out procedures. 6.5.a 6.5.b 6.5.c 6.5 Develop applications based on secure coding guidelines. Prevent common coding vulnerabilities in software development processes, to include the

For each change, there should be back-out procedures in case the change fails, to allow for restoring back to the previous state. The application layer is high-risk and may be targeted by both internal and external threats. Without proper security, cardholder data and other confidential

6.5.1 6.5.2 6.5.3 6.5.4 6.5.5 6.5.6 Note: 6.5.7 6.5.8 6.5.9

6.5.1 6.5.2 6.5.3 6.5.4 6.5.5 6.5.6

6.5.7 6.5.8 6.5.9

Validate input to verify user data cannot modify meaning of commands and queries. Injection flaws, particularly SQL injection, are Ensure that applications are not vulnerable to buffer overflow attacks. Buffer 6.5.2 Buffer overflow. overflows happen when an application does not have Prevent cryptographic flaws. Applications that do not 6.5.3 Insecure cryptographic storage (Prevent utilize strong cryptographic functions properly to store 6.5.3 Insecure cryptographic storage cryptographic flaws) data are at increased risk of being compromised and Properly encrypt all authenticated and sensitive 6.5.4 Insecure communications (Properly encrypt all communications. Applications that fail to adequately 6.5.4 Insecure communications authenticated and sensitive communications) encrypt network traffic using strong cryptography are at Do not leak information via error messages or other 6.5.5 Improper error handling (Do not leak information means. Applications can 6.5.5 Improper error handling via error messages) unintentionally leak information about their Any high vulnerabilities noted per Requirement 6.2 that 6.5.6 All High vulnerabilities identified in the 6.5.6 All High vulnerabilities as identified in PCI DSS could affect the application should be accounted for vulnerability identification process (as defined in PCI Requirement 6.2. during the development phase. For example, a DSS Requirement 6.2). Note: Requirements 6.5.7 through 6.5.9, below, apply Web applications, both internally and externally (public) facing, have unique to web applications and application interfaces (internal security risks based upon their architecture as well as or external): All parameters should be validated before inclusion. 6.5.7 Cross-site scripting (XSS) (Validate all XSS flaws occur whenever an application takes user 6.5.7 Cross-site scripting (XSS) parameters before inclusion, utilize context-sensitive supplied data and sends it to a web browser without escaping, etc.) 6.5.8 Improper Access Control (such as insecure direct 6.5.8 Improper Access Control, such as insecure direct Do not expose internal object references to users. A direct object reference occurs when a developer object references, failure to restrict URL access, and object references, failure to restrict URL access, and exposes a reference to an internal implementation directory traversal) directory traversal (Properly authenticate users and 6.5.9 Cross-site request forgery (CSRF). (Do not reply Do not reply on authorization credentials and tokens 6.5.9 Cross-site request forgery (CSRF) on authorization credentials and tokens automatically automatically submitted by browsers. A CSRF attack forces a logged-on victim's browser to send a submitted by browsers.) 6.5.1 Injection flaws, particularly SQL injection. Also consider OS Command Injection, LDAP and XPath injection flaws as well as other injection flaws.

20

PCI DSS Controls

Req Level Two One Two Three Three Three Three Two Three Three Three One Two Two Two Two Two Two Three

Parent Req # 6 7 7 7 7 7 7 7 7 7 7 8 8 8 8 8 8 8 8

Req # 6.6 Require ment 7.1 7.1.1 7.1.2 7.1.3 7.1.4 7.2 7.2.1 7.2.2 7.2.3 Require ment 8.1 8.2 8.3 8.4

Test Proc # 6.6 7 7.1 7.1.1 7.1.2 7.1.3 7.1.4 7.2 7.2.1 7.2.2 7.2.3 8 8.1 8.2 8.3 8.4.a 8.4.b

PCI Requirement 6.6 For public-facing web applications, address new threats and vulnerabilities on an ongoing basis and ensure these applications are protected against known Requirement 7: Restrict access to cardholder data by business need-to-know 7.1 Limit access to system components and cardholder data to only those individuals whose job requires such access. Access limitations must include the following: 7.1.1 Restriction of access rights to privileged user IDs to least privileges necessary to perform job responsibilities 7.1.2 Assignment of privileges is based on individual personnels job classification and function 7.1.3 Requirement for a documented approval by authorized parties specifying required privileges. 7.1.4 Implementation of an automated access control system 7.2 Establish an access control system for systems components with multiple users that restricts access based on a users need to know, and is set to deny 7.2.1 Coverage of all system components 7.2.2 Assignment of privileges to individuals based on job classification and function 7.2.3 Default deny-all setting Note: Some access control systems are set by default Requirement 8: Assign a unique ID to each person with computer access 8.1 Assign all users a unique ID before allowing them to access system components or cardholder data. 8.2 In addition to assigning a unique ID, employ at least one of the following methods to authenticate all users: 8.3 Incorporate two-factor authentication for remote access (network-level access originating from outside the network) to the network by employees, 8.4 Render all passwords unreadable during transmission and storage on all system components using strong cryptography.

Testing Procedure 6.6 For public-facing web applications, ensure that either one of the following methods are in place as follows:

PCI SSC Guidance Attacks on web-facing applications are common and often successful, and are allowed by poor coding practices. This requirement for

The more people who have access to cardholder data, 7.1 Obtain and examine written policy for data control, the more risk there is that a users account will be used and verify that the policy incorporates the following: maliciously. Limiting access to those with a strong 7.1.1 Confirm that access rights for privileged user IDs are restricted to least privileges necessary to perform job responsibilities. 7.1.2 Confirm that privileges are assigned to individuals based on job classification and function (also called role-based access control or RBAC). 7.1.3 Confirm that documented approval by authorized parties is required (in writing or electronically) for all access, and that it must specify required privileges. 7.1.4 Confirm that access controls are implemented via an automated access control system. Without a mechanism to restrict access based on 7.2 Examine system settings and vendor documentation to verify that an access control system users need to know, a user may unknowingly be granted access to cardholder data. Use of an is implemented as follows: 7.2.1 Confirm that access control systems are in place on all system components. 7.2.2 Confirm that access control systems are configured to enforce privileges assigned to individuals based on job classification and function. 7.2.3 Confirm that the access control systems have a default deny-all setting.

8.5 8.5.1

8.5 8.5.1

8.5 Ensure proper user identification and authentication management for non-consumer users and administrators on all system components as 8.5.1 Control addition, deletion, and modification of user IDs, credentials, and other identifier objects.

By ensuring each user is uniquely identifiedinstead of using one ID for several employeesan organization can maintain individual responsibility for 8.2 To verify that users are authenticated using unique These authentication items, when used in addition to unique IDs, help protect ID and additional authentication (for example, a users unique IDs from being compromised (since the password) for access to the cardholder data Two-factor authentication requires two forms of 8.3 To verify that two-factor authentication is authentication for higher-risk implemented for all remote network access, observe accesses, such as those originating from outside your an employee (for example, an administrator) Many network devices and applications transmit the 8.4.a For a sample of system components, examine password files to verify that passwords are unreadable user ID and unencrypted password across the network and/or also store the during transmission and storage. 8.4.b For service providers only, observe password files to verify that customer passwords are encrypted. Since one of the first steps a malicious individual will 8.5 Review procedures and interview personnel to take to compromise a system is to exploit weak or verify that procedures are implemented for user nonexistent passwords, it is important to implement identification and authentication management, by To ensure users added to your systems are all valid 8.5.1 Select a sample of user IDs, including both administrators and general users. Verify that each user and recognized users, the is authorized to use the system according to policy by addition, deletion, and modification of user IDs should 8.1 Verify that all users are assigned a unique ID for access to system components or cardholder data.

20

PCI DSS Controls

Req Level Three Three Three Three Three Three Three Three Three Three Three Three Three Three Three Three Three Three Three

Parent Req # 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8

Req # 8.5.2 8.5.3 8.5.4 8.5.5 Vendor

Test Proc # 8.5.2 8.5.3 8.5.4 8.5.5

PCI Requirement 8.5.2 Verify user identity before performing password resets. 8.5.3 Set passwords for first-time use and resets to a unique value for each user and change immediately after the first use. 8.5.4 Immediately revoke access for any terminated users. 8.5.5 Remove/disable inactive user accounts at least every 90 days.

Testing Procedure 8.5.2 Examine password/authentication procedures and observe security personnel to verify that, if a user requests a password reset by phone, e-mail, web, or 8.5.3 Examine password procedures and observe security personnel to verify that first-time passwords for new users, and reset passwords for existing users, 8.5.4 Select a sample of users terminated in the past six months, and review current user access lists to verify that their IDs have been deactivated or removed. 8.5.5 Verify that inactive accounts over 90 days old are either removed or disabled. 8.5.6.a Verify that any accounts used by vendors to access, support and maintain system components are disabled, and enabled only when needed by the 8.5.6.b Verify that vendor remote access accounts are monitored while being used. 8.5.7 Interview the users from a sample of user IDs, to verify that they are familiar with authentication procedures and policies. 8.5.8.a For a sample of system components, examine user ID lists to verify the following: 8.5.8.b Examine authentication policies/procedures to verify that group and shared passwords or other authentication methods are explicitly prohibited. 8.5.8.c Interview system administrators to verify that group and shared passwords or other authentication methods are not distributed, even if requested. 8.5.9.a For a sample of system components, obtain and inspect system configuration settings to verify that user password parameters are set to require users to 8.5.9.b For service providers only, review internal processes and customer/user documentation to verify that non-consumer user passwords are required to 8.5.10.a For a sample of system components, obtain and inspect system configuration settings to verify that password parameters are set to require passwords to 8.5.10.b For service providers only, review internal processes and customer/user documentation to verify that that non-consumer user passwords are required to 8.5.11.a For a sample of system components, obtain and inspect system configuration settings to verify that password parameters are set to require passwords to 8.5.11.b For service providers only, review internal processes and customer/user documentation to verify that non-consumer user passwords are required to 8.5.12.a For a sample of system components, obtain and inspect system configuration settings to verify that password parameters are set to require that new 8.5.12.b For service providers only, review internal processes and customer/user documentation to verify that new non-consumer user passwords cannot be the 8.5.13.a For a sample of system components, obtain and inspect system configuration settings to verify that authentication parameters are set to require that a

PCI SSC Guidance Many malicious individuals use "social engineeringfor example, calling a help desk and acting as a legitimate userto have a password If the same password is used for every new user set up, an internal user, former employee, or malicious individual may know or easily discover this password, If an employee has left the company, and still has access to the network via their user account, unnecessary or malicious access to cardholder data Existence of inactive accounts allows an unauthorized user exploit the unused account to potentially access cardholder data. Allowing vendors (like POS vendors) to have 24/7 access into your network in case they need to support your systems increases the chances of unauthorized

8.5.6.a Vendor 8.5.6.b

8.5.7 8.5.8

8.5.7 Communicate authentication procedures and policies to all users who have access to cardholder data. 8.5.8 Do not use group, shared, or generic accounts 8.5.8.a and passwords, or other authentication methods. 8.5.7 8.5.8.b 8.5.8.c

Communicating password/authentication procedures to all users helps those users understand and abide by the policies, and to be alert for any malicious If multiple users share the same authentication credentials (for example, user account and password), it becomes impossible to

8.5.9

8.5.9.a 8.5.9 Change user passwords at least every 90 days. 8.5.9.b

Strong passwords are the first line of defense into a network since a malicious individual will often first try to find accounts with weak

8.5.10

8.5.10.a 8.5.10.b

8.5.10 Require a minimum password length of at least seven characters.

8.5.11

8.5.11.a 8.5.11.b

8.5.11 Use passwords containing both numeric and alphabetic characters.

8.5.12

8.5.12 Do not allow an individual to submit a new 8.5.12.a password that is the same as any of the last four passwords he or she has used. 8.5.12.b

8.5.13

8.5.13.a

8.5.13 Limit repeated access attempts by locking out the user ID after not more than six attempts.

Without account-lockout mechanisms in place, an attacker can continually attempt to guess a password through manual or automated tools (for example,

20

PCI DSS Controls

Req Level Three Three Three Three Three Three Three One Two Three Three Three Three Three Two Two Two Two Three

Parent Req # 8 8 8 8 8 8 8 9 9 9 9 9 9 9 9 9 9 9 9

Req #

Test Proc # 8.5.13.b

PCI Requirement

Testing Procedure 8.5.13.b For service providers only, review internal processes and customer/user documentation to verify that non-consumer user accounts are temporarily 8.5.14 For a sample of system components, obtain and inspect system configuration settings to verify that password parameters are set to require that once a 8.5.15 For a sample of system components, obtain and inspect system configuration settings to verify that system/session idle time out features have been set to 8.5.16.a Review database and application configuration settings and verify that all users are authenticated prior to access. 8.5.16.b Verify that database and application configuration settings ensure that all user access to, user queries of, and user actions on (for example, 8.5.16.c Verify that database and application configuration settings restrict user direct access or queries to databases to database administrators. 8.5.16.d Review database applications and the related application IDs to verify that application IDs can only be used by the applications (and not by individual

PCI SSC Guidance

8.5.14 8.5.15 8.5.16

8.5.14 8.5.15

8.5.14 Set the lockout duration to a minimum of 30 minutes or until administrator enables the user ID.

8.5.15 If a session has been idle for more than 15 minutes, require the user to re-authenticate to reactivate the terminal or session. 8.5.16 Authenticate all access to any database 8.5.16.a containing cardholder data. This includes access by applications, administrators, and all other users. 8.5.16.b 8.5.16.c 8.5.16.d

If an account is locked out due to someone continually trying to guess a password, controls to delay reactivation of these locked accounts stops the When users walk away from an open machine with access to critical network or cardholder data, that machine may be used by others in the users absence, Without user authentication for access to databases and applications, the potential for unauthorized or malicious access increases, and such access cannot

Require ment 9.1 9.1.1

9.1.2 9.1.3 9.2

9.1 Verify the existence of physical security controls for each computer room, data center, and other physical areas with systems in the cardholder data 9.1.1.a Verify that video cameras and/or access control mechanisms are in place to monitor the entry/exit points to sensitive areas. 9.1.1.b Verify that video cameras and/or access 9.1.1.b control mechanisms are protected from tampering or disabling. 9.1.1.c Verify that video cameras and/or access control 9.1.1.c mechanisms are monitored and that data from cameras or other mechanisms is stored for at least 9.1.2 Restrict physical access to publicly accessible 9.1.2 Verify by interviewing network administrators and 9.1.2 network jacks. by observation that network jacks are enabled only when needed by authorized onsite personnel. 9.1.3 Restrict physical access to wireless access 9.1.3 Verify that physical access to wireless access 9.1.3 points, gateways, handheld devices, points, gateways, handheld devices, networking/communications hardware, and networking/communications hardware, and 9.2 Develop procedures to easily distinguish between 9.2.a Review processes and procedures for assigning 9.2.a onsite personnel and visitors, especially in areas where badges to onsite personnel and visitors, and verify cardholder data is accessible. these processes include the following: 9.2.b Verify that access to the badge system is limited 9.2.b to authorized personnel. 9.2.c 9.2.c Examine badges in use to verify that they clearly identify visitors and it is easy to distinguish between onsite personnel and visitors. 9.3 Make sure all visitors are handled as follows: 9.3.1 Authorized before entering areas where cardholder data is processed or maintained. 9.3 Verify that visitor controls are in place as follows: 9.3.1 Observe the use of visitor ID badges to verify that a visitor ID badge does not permit unescorted access to physical areas that store cardholder data.

Requirement 9: Restrict physical access to cardholder data 9.1 Use appropriate facility entry controls to limit and 9.1 monitor physical access to systems in the cardholder data environment. 9.1.1 Use video cameras and/or access control 9.1.1.a mechanisms to monitor individual physical access to sensitive areas. Review collected data and correlate 9

Without physical access controls, unauthorized persons could potentially gain access to the building and to sensitive information, and When investigating physical breaches, these controls can help identify individuals that physically access those sensitive areas storing cardholder data.

Restricting access to network jacks will prevent malicious individuals from plugging into readily available network jacks that may allow them access Without security over access to wireless components and devices, malicious users could use your organizations unattended wireless devices to access Without badge systems and door controls, unauthorized and malicious users can easily gain access to your facility to steal, disable, disrupt, or

9.3 9.3.1

9.3 9.3.1

Visitor controls are important to reduce the ability of unauthorized and malicious persons to gain access to your facilities (and potentially, to cardholder data). Visitor controls are important to ensure visitors only enter areas they are authorized to enter, that they are identifiable as visitors

20

PCI DSS Controls

Req Level Three Three Three Two Two Two Two Two Two Three Three Two Two Three Two Three Three Three One

Parent Req # 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 10

Req # 9.3.2

Test Proc #

PCI Requirement

Testing Procedure 9.3.2.a Observe people within the facility to verify the use of visitor ID badges, and that visitors are easily distinguishable from onsite personnel. 9.3.2.b Verify that visitor badges expire.

PCI SSC Guidance

9.3.2 Given a physical token (for example, a badge or 9.3.2.a access device) that expires and that identifies the visitors as not onsite personnel. 9.3.2.b

9.3.3 9.4

9.3.3 9.4.a 9.4.b

9.5

9.5.a 9.5.b

9.3.3 Observe visitors leaving the facility to verify visitors are asked to surrender their ID badge upon departure or expiration. 9.4 Use a visitor log to maintain a physical audit trail of 9.4.a Verify that a visitor log is in use to record physical visitor activity. Document the visitors name, the firm access to the facility as well as for computer rooms represented, and the onsite personnel authorizing and data centers where cardholder data is stored or 9.4.b Verify that the log contains the visitors name, the firm represented, and the onsite personnel authorizing physical access, and is retained for at least three 9.5 Store media back-ups in a secure location, 9.5.a Observe the storage locations physical security preferably an off-site facility, such as an alternate or to confirm that backup media storage is secure. back-up site, or a commercial storage facility. Review 9.5.b Verify that the storage location security is reviewed at least annually. 9.3.3 Asked to surrender the physical token before leaving the facility or at the date of expiration. 9.6 Physically secure all media. 9.7 Maintain strict control over the internal or external distribution of any kind of media, including the following: 9.7.1 Classify media so the sensitivity of the data can be determined. 9.7.2 Send the media by secured courier or other delivery method that can be accurately tracked. 9.6 Verify that procedures for protecting cardholder data include controls for physically securing all media (including but not limited to computers, removable 9.7 Verify that a policy exists to control distribution of media, and that the policy covers all distributed media including that distributed to individuals. 9.7.1 Verify that all media is classified so the sensitivity of the data can be determined.

A visitor log documenting minimum information on the visitor is easy and inexpensive to maintain and will assist, during a

If stored in a non-secured facility, backups that contain cardholder data may easily be lost, stolen, or copied for malicious intent. For secure storage, consider

9.6 9.7 9.7.1 9.7.2

9.6 9.7 9.7.1 9.7.2

9.7.2 Verify that all media sent outside the facility is logged and authorized by management and sent via secured courier or other delivery method that can be 9.8 Ensure management approves any and all media 9.8 Select a recent sample of several days of offsite 9.8 9.8 that is moved from a secured area (especially when tracking logs for all media, and verify the presence in media is distributed to individuals). the logs of tracking details and proper management 9.9 Obtain and examine the policy for controlling 9.9 Maintain strict control over the storage and 9.9 9.9 storage and maintenance of all media and verify that accessibility of media. the policy requires periodic media inventories. 9.9.1 Obtain and review the media inventory log to 9.9.1 Properly maintain inventory logs of all media and 9.9.1 9.9.1 verify that periodic media inventories are performed at conduct media inventories at least annually. least annually. 9.10 Obtain and examine the periodic media 9.10 Destroy media when it is no longer needed for 9.1 9.1 destruction policy and verify that it covers all media, business or legal reasons as follows: and confirm the following: 9.10.1.a Verify that hard-copy materials are crosscut 9.10.1 Shred, incinerate, or pulp hardcopy materials so 9.10.1 9.10.1.a shredded, incinerated, or pulped such that there is that cardholder data cannot be reconstructed. reasonable assurance the hard-copy materials cannot 9.10.1.b Examine storage containers used for 9.10.1.b information to be destroyed to verify that the containers are secured. For example, verify that a to-be9.10.2 Render cardholder data on electronic media 9.10.2 Verify that cardholder data on electronic media 9.10.2 9.10.2 unrecoverable so that cardholder data cannot be is rendered unrecoverable via a secure wipe program reconstructed. in accordance with industry-accepted standards for Require Requirement 10: Track and monitor all access to 10 ment network resources and cardholder data

Cardholder data is susceptible to unauthorized viewing, copying, or scanning if it is unprotected while it is on removable or portable media, printed out, or left Procedures and processes help protect cardholder data on media distributed to internal and/or external users. Without such procedures data can be lost or It is important that media be identified such that its classification status can be easily discernable. Media not identified as confidential may not be adequately Media may be lost or stolen if sent via a non-trackable method such as regular postal mail. Use the services of a secure courier to Cardholder data leaving secure areas without a process approved by management can lead to lost or stolen data. Without a firm process, media locations Without careful inventory methods and storage controls, stolen or missing media could go unnoticed for an indefinite amount of time. If media is not inventoried, stolen or lost media may not be noticed for a long time or at all. If steps are not taken to destroy information contained on hard disks, portable drives, CD/DVDs, or paper prior to disposal, malicious

20

PCI DSS Controls

Req Level Two Two Three Three Three Three Three Three Three Two Three Three Three Three Three Three Two Two Three

Parent Req # 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10

Req # 10.1 10.2 10.2.1 10.2.2 10.2.3 10.2.4 10.2.5 10.2.6 10.2.7 10.3 10.3.1 10.3.2 10.3.3 10.3.4 10.3.5 10.3.6 10.4

Test Proc # 10.1 10.2 10.2.1 10.2.2 10.2.3 10.2.4 10.2.5 10.2.6 10.2.7 10.3 10.3.1 10.3.2 10.3.3 10.3.4 10.3.5 10.3.6 10.4.a

PCI Requirement 10.1 Establish a process for linking all access to system components (especially access done with administrative privileges such as root) to each 10.2 Implement automated audit trails for all system components to reconstruct the following events: 10.2.1 All individual accesses to cardholder data 10.2.2 All actions taken by any individual with root or administrative privileges 10.2.3 Access to all audit trails 10.2.4 Invalid logical access attempts 10.2.5 Use of identification and authentication mechanisms 10.2.6 Initialization of the audit logs 10.2.7 Creation and deletion of system-level objects 10.3 Record at least the following audit trail entries for all system components for each event: 10.3.1 User identification 10.3.2 Type of event 10.3.3 Date and time 10.3.4 Success or failure indication 10.3.5 Origination of event 10.3.6 Identity or name of affected data, system component, or resource 10.4 Using time-synchronization technology, synchronize all critical system clocks and times and ensure that the following is implemented for acquiring,

Testing Procedure 10.1 Verify through observation and interviewing the system administrator, that audit trails are enabled and active for system components. 10.2 Through interviews, examination of audit logs, and examination of audit log settings, perform the following: 10.2.1 Verify all individual access to cardholder data is logged. 10.2.2 Verify actions taken by any individual with root or administrative privileges are logged. 10.2.3 Verify access to all audit trails is logged. 10.2.4 Verify invalid logical access attempts are logged. 10.2.5 Verify use of identification and authentication mechanisms is logged. 10.2.6 Verify initialization of audit logs is logged. 10.2.7 Verify creation and deletion of system level objects are logged. 10.3 Through interviews and observation, for each auditable event (from 10.2), perform the following: 10.3.1 Verify user identification is included in log entries. 10.3.2 Verify type of event is included in log entries. 10.3.3 Verify date and time stamp is included in log entries. 10.3.4 Verify success or failure indication is included in log entries. 10.3.5 Verify origination of event is included in log entries. 10.3.6 Verify identity or name of affected data, system component, or resources is included in log entries.

PCI SSC Guidance It is critical to have a process or system that links user access to system components accessed, and in particular, for those Generating audit trails of suspect activities alerts the system administrator, sends data to other monitoring mechanisms (like intrusion detection systems), and Malicious individuals could obtain knowledge of a user account with access to systems in the CDE, or they could create a new, Accounts with increased privileges, such as the administrator or root account, have the potential to greatly impact the security or operational functionality Malicious users often attempt to alter audit logs to hide their actions, and a record of access allows an organization to trace any inconsistencies or potential Malicious individuals will often perform multiple access attempts on targeted systems. Multiple invalid login attempts may be an Without knowing who was logged on at the time of an incident, it is impossible to identify the accounts which may be used. Additionally, malicious users may Turning the audit logs off prior to performing illicit activities is a common goal for malicious users wishing to avoid detection. Initialization of audit logs could Malicious software, such as malware, often creates or replaces system level objects on the target system in order to control a By recording these details for the auditable events at 10.2, a potential compromise can be quickly identified, and with sufficient detail to know who, what, where,

10.4.1

10.4.a Verify that time-synchronization technology is implemented and kept current per PCI DSS Requirements 6.1 and 6.2. 10.4.b Obtain and review the process for acquiring, 10.4.b distributing and storing the correct time within the organization, and review the time-related system10.4.1.a Verify that only designated central time 10.4.1 Critical systems have the correct and consistent 10.4.1.a servers receive time signals from external sources, time. and time signals from external sources are based on

Time synchronization technology is used to synchronize clocks on multiple systems. When properly deployed, this technology can

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PCI DSS Controls

Req Level Three Three Three Three Two Three Three Three Three Three Two Two Two Two One Two Two Two Two

Parent Req # 10 10 10 10 10 10 10 10 10 10 10 10 10 10 11 11 11 11 11

Req #

Test Proc # 10.4.1.b

PCI Requirement

Testing Procedure 10.4.1.b Verify that the designated central time servers peer with each other to keep accurate time, and other internal servers receive time only from the central time 10.4.2.a Review system configurations and timesynchronization settings to verify that access to time data is restricted to only personnel with a business 10.4.2.b Review system configurations and time synchronization settings and processes to verify that any changes to time settings on critical systems are 10.4.3 Verify that the time servers accept time updates from specific, industry-accepted external sources (to prevent a malicious individual from changing the 10.5 Interview system administrator and examine permissions to verify that audit trails are secured so that they cannot be altered as follows: 10.5.1 Verify that only individuals who have a jobrelated need can view audit trail files. 10.5.2 Verify that current audit trail files are protected from unauthorized modifications via access control mechanisms, physical segregation, and/or network 10.5.3 Verify that current audit trail files are promptly backed up to a centralized log server or media that is difficult to alter. 10.5.4 Verify that logs for external-facing technologies (for example, wireless, firewalls, DNS, mail) are offloaded or copied onto a secure centralized internal 10.5.5 Verify the use of file-integrity monitoring or change-detection software for logs by examining system settings and monitored files and results from 10.6.a Obtain and examine security policies and procedures to verify that they include procedures to review security logs at least daily and that follow-up to 10.6.b Through observation and interviews, verify that regular log reviews are performed for all system components. 10.7.a Obtain and examine security policies and procedures and verify that they include audit log retention policies and require audit log retention for at 10.7.b Verify that audit logs are available for at least one year and processes are in place to immediately restore at least the last three months logs for analysis.

PCI SSC Guidance

10.4.2

10.4.2.a 10.4.2 Time data is protected. 10.4.2.b

10.4.3 10.5 10.5.1 10.5.2 10.5.3 10.5.4 10.5.5 10.6

10.4.3 10.5 10.5.1 10.5.2 10.5.3 10.5.4 10.5.5 10.6.a 10.6.b

10.4.3 Time settings are received from industryaccepted time sources. 10.5 Secure audit trails so they cannot be altered. 10.5.1 Limit viewing of audit trails to those with a jobrelated need. 10.5.2 Protect audit trail files from unauthorized modifications. 10.5.3 Promptly back up audit trail files to a centralized log server or media that is difficult to alter. 10.5.4 Write logs for external-facing technologies onto a log server on the internal LAN. 10.5.5 Use file-integrity monitoring or change-detection software on logs to ensure that existing log data cannot be changed without generating alerts (although 10.6 Review logs for all system components at least daily. Log reviews must include those servers that perform security functions like intrusion-detection

Often a malicious individual who has entered the network will attempt to edit the audit logs in order to hide their activity. Without adequate protection of audit Adequate protection of the audit logs includes strong access control (limit access to logs based on need to know only) and use of internal segregation (to make

File-integrity monitoring systems check for changes to critical files, and notify when such changes are noted. For file-integrity monitoring purposes, an entity usually Many breaches occur over days or months before being detected. Checking logs daily minimizes the amount of time and exposure of a potential breach.

10.7

10.7.a 10.7.b

10.7 Retain audit trail history for at least one year, with a minimum of three months immediately available for analysis (for example, online, archived, or restorable

Retaining logs for at least a year allows for the fact that it often takes a while to notice that a compromise has occurred or is occurring, and allows investigators

Require ment 11.1

11 11.1.a 11.1.b 11.1.c 11.1.d

Requirement 11: Regularly test security systems and processes 11.1 Test for the presence of wireless access points and detect unauthorized wireless access points on a quarterly basis. 11.1.a Verify that the entity has a documented process Implementation and/or exploitation of wireless technology within a network is one of the most to detect and identify wireless access points on a common paths for malicious users to gain access to quarterly basis. 11.1.b Verify that the methodology is adequate to detect and identify any unauthorized wireless access points, including at least the following: 11.1.c Verify that the documented process to identify unauthorized wireless access points is performed at least quarterly for all system components and facilities. 11.1.d If automated monitoring is utilized (for example, wireless IDS/IPS, NAC, etc.), verify the configuration will generate alerts to personnel.

20

PCI DSS Controls

Req Level Two Two Three Three Three Three Three Three Three Three Three Two Two Two Three Three Two Two Two

Parent Req # 11 11 11 11 11 11 11 11 11 11 11 11 11 11 11 11 11 11 11

Req #

Test Proc # 11.1.e

PCI Requirement

Testing Procedure 11.1.e Verify the organizations incident response plan (Requirement 12.9) includes a response in the event unauthorized wireless devices are detected. 11.2 Verify that internal and external vulnerability scans are performed as follows:

PCI SSC Guidance

11.2 11.2.1

11.2 11.2.1.a 11.2.1.b 11.2.1.c

11.2.2

11.2.2.a 11.2.2.b 11.2.2.c

11.2.3

11.2.3.a 11.2.3.b 11.2.3.c

A vulnerability scan is an automated tool run against external and internal network devices and servers, designed to expose potential vulnerabilities in networks An established process for identifying vulnerabilities on 11.2.1.a Review the scan reports and verify that four 11.2.1 Perform quarterly internal vulnerability scans. quarterly internal scans occurred in the most recent 12- internal systems within the CDE requires that vulnerability scans be conducted quarterly. Identifying month period. 11.2.1.b Review the scan reports and verify that the scan process includes rescans until passing results are obtained, or all High vulnerabilities as defined in PCI 11.2.1.c Validate that the scan was performed by a qualified internal resource(s) or qualified external third party, and if applicable, organizational independence of As external networks are at greater risk of 11.2.2 Perform quarterly external vulnerability scans 11.2.2.a Review output from the four most recent via an Approved Scanning Vendor (ASV), approved by quarters of external vulnerability scans and verify that compromise, quarterly external vulnerability scanning must be performed by a PCI SSC Approved Scanning the Payment Card Industry Security Standards Council four quarterly scans occurred in the most recent 1211.2.2.b Review the results of each quarterly scan to ensure that they satisfy the ASV Program Guide requirements (for example, no vulnerabilities rated 11.2.2.c Review the scan reports to verify that the scans were completed by an Approved Scanning Vendor (ASV), approved by the PCI SSC. Scanning an environment after any significant changes 11.2.3 Perform internal and external scans after any 11.2.3.a Inspect change control documentation and significant change. scan reports to verify that system components subject are made ensures that changes were completed appropriately such that the security of the environment to any significant change were scanned. 11.2.3.b Review scan reports and verify that the scan process includes rescans until: 11.2 Run internal and external network vulnerability scans at least quarterly and after any significant change in the network (such as new system 11.2.3.c Validate that the scan was performed by a qualified internal resource(s) or qualified external third party, and if applicable, organizational independence of The intent of a penetration test is to simulate a real 11.3.a Obtain and examine the results from the most recent penetration test to verify that penetration testing world attack situation with a goal of identifying how far is performed at least annually and after any significant an attacker would be able to penetrate into an 11.3.b Verify that noted exploitable vulnerabilities were corrected and testing repeated.

11.3

11.3.a 11.3.b 11.3.c

11.3 Perform external and internal penetration testing at least once a year and after any significant infrastructure or application upgrade or modification

11.3.1 11.3.2 11.4

11.3.1 11.3.2 11.4.a 11.4.b 11.4.c

11.3.c Verify that the test was performed by a qualified internal resource or qualified external third party, and if applicable, organizational independence of the tester 11.3.1 Verify that the penetration test includes network11.3.1 Network-layer penetration tests layer penetration tests. These tests should include components that support network functions as well as 11.3.2 Verify that the penetration test includes 11.3.2 Application-layer penetration tests application-layer penetration tests. The tests should include, at a minimum, the vulnerabilities listed in Intrusion detection and/or intrusion prevention systems 11.4 Use intrusion-detection systems, and/or intrusion- 11.4.a Verify the use of intrusion-detection systems prevention systems to monitor all traffic at the and/or intrusion-prevention systems and that all traffic (IDS/IPS) compare the traffic coming into the network perimeter of the cardholder data environment as well at the perimeter of the cardholder data environment as with known signatures and/or behaviors of thousands 11.4.b Confirm IDS and/or IPS are configured to alert personnel of suspected compromises. 11.4.c Examine IDS/IPS configurations and confirm IDS/IPS devices are configured, maintained, and updated per vendor instructions to ensure optimal

20

PCI DSS Controls

Req Level Two Two One Two Three Three Three Three Two Two Three Three Three Three Three Three Three Three Three

Parent Req # 11 11 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12

Req # 11.5

Test Proc # 11.5.a 11.5.b

PCI Requirement 11.5 Deploy file-integrity monitoring tools to alert personnel to unauthorized modification of critical system files, configuration files, or content files; and

Testing Procedure

PCI SSC Guidance

File-integrity monitoring (FIM) tools check for changes 11.5.a Verify the use of file-integrity monitoring tools to critical files, and notify when such changes are within the cardholder data environment by observing detected. There are both off-the-shelf and open source system settings and monitored files, as well as 11.5.b Verify the tools are configured to alert personnel to unauthorized modification of critical files, and to perform critical file comparisons at least weekly.

Require ment 12.1 12.1.1 12.1.2

12 12.1 12.1.1

Requirement 12: Maintain a policy that addresses information security for all personnel 12.1 Establish, publish, maintain, and disseminate a security policy that accomplishes the following: 12.1.1 Addresses all PCI DSS requirements. 12.1 Examine the information security policy and verify A company's information security policy creates the roadmap for implementing that the policy is published and disseminated to all security measures to protect its most valuable assets. relevant personnel (including vendors and business 12.1.1 Verify that the policy addresses all PCI DSS requirements. A risk assessment enables an organization to identify threats and the associated vulnerabilities which have the potential to negatively impact their business.

12.1.3 12.2 12.3 12.3.1 12.3.2 12.3.3 12.3.4 12.3.5 12.3.6 12.3.7 12.3.8 12.3.9

12.1.2.a Verify that an annual risk assessment process is documented that identifies threats, vulnerabilities, and results in a formal risk assessment. 12.1.2.b Review risk assessment documentation to 12.1.2.b verify that the risk assessment process is performed at least annually. 12.1.3 Verify that the information security policy is 12.1.3 Includes a review at least annually and updates 12.1.3 reviewed at least annually and updated as needed to when the environment changes. reflect changes to business objectives or the risk 12.2 Develop daily operational security procedures that 12.2 Examine the daily operational security 12.2 are consistent with requirements in this specification procedures. Verify that they are consistent with this (for example, user account maintenance procedures, specification, and include administrative and technical 12.3 Develop usage policies for critical technologies 12.3 Obtain and examine the usage policies for critical 12.3 (for example, remote-access technologies, wireless technologies and perform the following: technologies, removable electronic media, laptops, 12.3.1 Verify that the usage policies require explicit 12.3.1 12.3.1 Explicit approval by authorized parties approval from authorized parties to use the technologies. 12.3.2 Verify that the usage policies require that all 12.3.2 12.3.2 Authentication for use of the technology technology use be authenticated with user ID and password or other authentication item (for example, 12.3.3 A list of all such devices and personnel with 12.3.3 Verify that the usage policies require a list of all 12.3.3 access devices and personnel authorized to use the devices. 12.3.4 12.3.5 12.3.6 12.3.7 12.3.8 12.3.9

12.1.2 Includes an annual process that identifies 12.1.2.a threats, and vulnerabilities, and results in a formal risk assessment.

Security threats and protection methods evolve rapidly throughout the year. Without updating the security policy to reflect relevant Daily operational security procedures act as desk instructions for personnel to use in their day-to-day system administrative and maintenance activities. Personnel usage policies can either prohibit use of certain devices and other technologies if that is company policy, or provide Without requiring proper approval for implementation of these technologies, individual personnel may innocently implement a If technology is implemented without proper authentication (user IDs and passwords, tokens, VPNs, etc.), malicious individuals Malicious individuals may breach physical security and place their own devices on the network as a back door. Personnel may also bypass procedures and

12.3.4 Verify that the usage policies require labeling of 12.3.4 Labeling of devices to determine owner, contact devices with information that can be correlated to information and purpose owner, contact information and purpose. By defining acceptable business use and location of 12.3.5 Verify that the usage policies require acceptable company-approved devices and technology, the 12.3.5 Acceptable uses of the technology uses for the technology. company is better able to manage and control gaps in 12.3.6 Acceptable network locations for the technologies 12.3.7 List of company-approved products 12.3.6 Verify that the usage policies require acceptable network locations for the technology. 12.3.7 Verify that the usage policies require a list of company-approved products.

12.3.8 Verify that the usage policies require automatic Remote-access technologies are frequent "back doors" 12.3.8 Automatic disconnect of sessions for remotedisconnect of sessions for remote-access technologies to critical resources and cardholder data. By access technologies after a specific period of inactivity disconnecting remote-access technologies when not in after a specific period of inactivity. 12.3.9 Activation of remote-access technologies for 12.3.9 Verify that the usage policies require activation vendors and business partners only when needed by of remote-access technologies used by vendors and vendors and business partners, with immediate business partners only when needed by vendors and

20

PCI DSS Controls

Req Level Three Three Two Two Three Three Three Three Three Two Two Three Three Three Two Two Three Three Three

Parent Req # 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12

Req # 12.3.10

Test Proc #

PCI Requirement

Testing Procedure

PCI SSC Guidance To ensure all personnel are aware of their responsibilities to not store or copy cardholder data onto their local personal computer or

12.4 12.5 12.5.1 12.5.2 12.5.3 12.5.4 12.5.5 12.6

12.3.10 For personnel accessing cardholder data via 12.3.10.a Verify that the usage policies prohibit 12.3.10. remote-access technologies, prohibit copy, move, and copying, moving, or storing of cardholder data onto storage of cardholder data onto local hard drives and local hard drives and removable electronic media when 12.3.10.b For personnel with proper authorization, 12.3.10. verify that usage policies require the protection of cardholder data in accordance with PCI DSS 12.4 Ensure that the security policy and procedures 12.4 Verify that information security policies clearly 12.4 clearly define information security responsibilities for all define information security responsibilities for all personnel. personnel. 12.5 Verify the formal assignment of information 12.5 Assign to an individual or team the following 12.5 security to a Chief Security Officer or other securityinformation security management responsibilities: knowledgeable member of management. 12.5.1 Verify that responsibility for creating and 12.5.1 Establish, document, and distribute security 12.5.1 distributing security policies and procedures is formally policies and procedures. assigned. 12.5.2 Verify that responsibility for monitoring and 12.5.2 Monitor and analyze security alerts and 12.5.2 analyzing security alerts and distributing information to information, and distribute to appropriate personnel. appropriate information security and business unit 12.5.3 Establish, document, and distribute security 12.5.3 Verify that responsibility for creating and 12.5.3 incident response and escalation procedures to ensure distributing security incident response and escalation timely and effective handling of all situations. procedures is formally assigned. 12.5.4 Verify that responsibility for administering user 12.5.4 Administer user accounts, including additions, 12.5.4 account and authentication management is formally deletions, and modifications assigned. 12.5.5 Verify that responsibility for monitoring and 12.5.5 12.5.5 Monitor and control all access to data. controlling all access to data is formally assigned. 12.6.a 12.6.b 12.6 Implement a formal security awareness program to make all personnel aware of the importance of cardholder data security. 12.6.a Verify the existence of a formal security awareness program for all personnel. 12.6.b Obtain and examine security awareness program procedures and documentation and perform the following: 12.6.1.a Verify that the security awareness program provides multiple methods of communicating awareness and educating personnel (for example, 12.6.1.b Verify that personnel attend awareness training upon hire and at least annually. 12.6.2 Verify that the security awareness program requires personnel to acknowledge, in writing or electronically, at least annually that they have read and 12.7 Inquire with Human Resource department management and verify that background checks are conducted (within the constraints of local laws) on 12.8 If the entity shares cardholder data with service providers (for example, back-up tape storage facilities, managed service providers such as Web hosting 12.8.1 Verify that a list of service providers is maintained. 12.8.2 Verify that the written agreement includes an acknowledgement by the service providers of their responsibility for securing cardholder data. 12.8.3 Verify that policies and procedures are documented and were followed including proper due diligence prior to engaging any service provider.

Without clearly defined security roles and responsibilities assigned, there could be inconsistent interaction with the security group, leading to Each person or team with responsibilities for information security management should be clearly aware of their responsibilities and

If personnel are not educated about their security responsibilities, security safeguards and processes that have been

12.6.1

12.6.1 Educate personnel upon hire and at least 12.6.1.a annually. 12.6.1.b

If the security awareness program does not include periodic refresher sessions, key security processes and procedures may be forgotten or bypassed,

12.6.2 12.7 12.8 12.8.1 12.8.2 12.8.3

12.6.2 12.7 12.8 12.8.1 12.8.2 12.8.3

12.6.2 Require personnel to acknowledge at least annually that they have read and understood the security policy and procedures. 12.7 Screen potential personnel prior to hire to minimize the risk of attacks from internal sources. (Examples of background checks include previous 12.8 If cardholder data is shared with service providers, maintain and implement policies and procedures to manage service providers, to include the 12.8.1 Maintain a list of service providers. 12.8.2 Maintain a written agreement that includes an acknowledgement that the service providers are responsible for the security of cardholder data the 12.8.3 Ensure there is an established process for engaging service providers including proper due diligence prior to engagement.

Requiring an acknowledgement by personnel in writing or electronically helps ensure that they have read and understood the Performing thorough background investigations prior to hiring potential personnel who are expected to be given access to cardholder data reduces the risk of If a merchant or service provider shares cardholder data with a service provider, then certain requirements apply to ensure continued Keeping track of all service providers identifies where potential risk extends to outside of the organization. The acknowledgement of the service providers evidences their commitment to maintaining proper security of cardholder data that it The process ensures that any engagement of a service provider is thoroughly vetted internally by an organization, which should

20

PCI DSS Controls

Req Level Three Two Three Three Three Three Three Three Three

Parent Req # 12 12 12 12 12 12 12 12 12

Req # 12.8.4 12.9 12.9.1

Test Proc # 12.8.4 12.9

PCI Requirement

Testing Procedure

PCI SSC Guidance Knowing your service providers PCI DSS compliance status provides assurance that they comply with the same requirements that your organization is subject to. Without a thorough security incident response plan that is properly disseminated, read, and understood by the parties responsible, confusion and lack of a unified The incident response plan should be thorough and contain all the key elements to allow your company to respond effectively in the event of a breach that could

12.8.4 Verify that the entity maintains a program to 12.8.4 Maintain a program to monitor service providers monitor its service providers PCI DSS compliance PCI DSS compliance status at least annually. status at least annually. 12.9 Implement an incident response plan. Be prepared to respond immediately to a system breach. 12.9 Obtain and examine the Incident Response Plan and related procedures and perform the following:

12.9.1 Create the incident response plan to be 12.9.1.a Verify that the incident response plan 12.9.1.a implemented in the event of system breach. Ensure the includes: plan addresses the following, at a minimum: 12.9.1.b Review documentation from a previously 12.9.1.b reported incident or alert to verify that the documented incident response plan and procedures were followed. 12.9.2 12.9.3 12.9.4 12.9.5 12.9.6 12.9.2 Test the plan at least annually. 12.9.2 Verify that the plan is tested at least annually.

12.9.2 12.9.3 12.9.4 12.9.5 12.9.6

Without proper testing, key steps may be missed which could result in increased exposure during an incident. Without a trained and readily available incident response team, extended damage to the network could occur, and critical data and systems may become

12.9.3 Verify through observation and review of 12.9.3 Designate specific personnel to be available on policies, that designated personnel are available for a 24/7 basis to respond to alerts. 24/7 incident response and monitoring coverage for 12.9.4 Verify through observation and review of 12.9.4 Provide appropriate training to staff with security policies that staff with responsibilities for security breach response responsibilities. breach response are periodically trained. 12.9.5 Verify through observation and review of 12.9.5 Include alerts from intrusion-detection, intrusionprocesses that monitoring and responding to alerts prevention, and file-integrity monitoring systems. from security systems including detection of 12.9.6 Develop a process to modify and evolve the 12.9.6 Verify through observation and review of incident response plan according to lessons learned policies that there is a process to modify and evolve and to incorporate industry developments. the incident response plan according to lessons

These monitoring systems are designed to focus on potential risk to data, are critical in taking quick action to prevent a breach, and Incorporating lessons learned into the incident response plan after an incident helps keep the plan current and able to react to

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