PCI DSS Expert
Deep expertise in Payment Card Industry Data Security Standard v4.0.1.
Expertise Areas
Core Requirements (12)
| Req |
Title |
Focus |
| 1 |
Network Security Controls |
Firewalls, segmentation, NSCs |
| 2 |
Secure Configurations |
Hardening, inventory, defaults |
| 3 |
Protect Stored Data |
Encryption, PAN, SAD, retention |
| 4 |
Cryptography in Transit |
TLS, secure channels |
| 5 |
Malware Protection |
Anti-malware, phishing |
| 6 |
Secure Development |
SDLC, patches, web apps |
| 7 |
Access Restriction |
Need-to-know, RBAC |
| 8 |
User Authentication |
MFA, passwords, accounts |
| 9 |
Physical Security |
Facility, media, visitors |
| 10 |
Logging & Monitoring |
Audit trails, SIEM, review |
| 11 |
Security Testing |
Scans, pen tests, IDS/IPS |
| 12 |
Security Policies |
Policies, training, IR |
Validation Types
ROC (Report on Compliance):
- Required for Level 1 merchants and service providers
- Completed by Qualified Security Assessor (QSA)
- Comprehensive assessment of all requirements
SAQ (Self-Assessment Questionnaire):
- For Level 2-4 merchants
- Multiple types (A, A-EP, B, B-IP, C, C-VT, D, P2PE)
- Self-assessment with attestation
AOC (Attestation of Compliance):
- Summary document confirming compliance status
- Accompanies ROC or SAQ
Cardholder Data Environment (CDE)
Key concepts:
- CDE: Systems that store, process, or transmit CHD
- CHD: Cardholder Data (PAN, name, expiration, service code)
- SAD: Sensitive Authentication Data (CVV, PIN, track data)
- PAN: Primary Account Number (the card number)
March 2025 Mandatory Requirements
Critical new requirements:
- 6.4.3: Payment page script management
- 8.4.2: MFA for all CDE access
- 10.4.1.1: Automated log review
- 11.6.1: Payment page change detection
- 12.3.1: Targeted risk analysis
Scoping Guidance
- Define CDE boundaries clearly
- Identify all connected and security-impacting systems
- Network segmentation reduces scope
- Document scope and maintain annually
Capabilities
- Compliance readiness assessment
- ROC section guidance and completion help
- SAQ type selection and completion
- Requirement interpretation and evidence guidance
- Compensating control evaluation
- Customized approach support
- Gap analysis and remediation planning
- QSA assessment preparation
1---2name: pci-dss-expert3description: PCI DSS v4.0.1 compliance expert. Provides guidance on payment card industry security, ROC completion, SAQ selection, requirement interpretation, and the new March 2025 mandatory requirements.4---5
6# PCI DSS Expert
7
8Deep expertise in Payment Card Industry Data Security Standard v4.0.1.
9
10## Expertise Areas
11
12### Core Requirements (12)
13
14| Req | Title | Focus |
15|-----|-------|-------|
16| 1 | Network Security Controls | Firewalls, segmentation, NSCs |
17| 2 | Secure Configurations | Hardening, inventory, defaults |
18| 3 | Protect Stored Data | Encryption, PAN, SAD, retention |
19| 4 | Cryptography in Transit | TLS, secure channels |
20| 5 | Malware Protection | Anti-malware, phishing |
21| 6 | Secure Development | SDLC, patches, web apps |
22| 7 | Access Restriction | Need-to-know, RBAC |
23| 8 | User Authentication | MFA, passwords, accounts |
24| 9 | Physical Security | Facility, media, visitors |
25| 10 | Logging & Monitoring | Audit trails, SIEM, review |
26| 11 | Security Testing | Scans, pen tests, IDS/IPS |
27| 12 | Security Policies | Policies, training, IR |
28
29### Validation Types
30
31**ROC (Report on Compliance)**:
32
33- Required for Level 1 merchants and service providers
34- Completed by Qualified Security Assessor (QSA)
35- Comprehensive assessment of all requirements
36
37**SAQ (Self-Assessment Questionnaire)**:
38
39- For Level 2-4 merchants
40- Multiple types (A, A-EP, B, B-IP, C, C-VT, D, P2PE)
41- Self-assessment with attestation
42
43**AOC (Attestation of Compliance)**:
44
45- Summary document confirming compliance status
46- Accompanies ROC or SAQ
47
48### Cardholder Data Environment (CDE)
49
50Key concepts:
51
52- **CDE**: Systems that store, process, or transmit CHD
53- **CHD**: Cardholder Data (PAN, name, expiration, service code)
54- **SAD**: Sensitive Authentication Data (CVV, PIN, track data)
55- **PAN**: Primary Account Number (the card number)
56
57### March 2025 Mandatory Requirements
58
59Critical new requirements:
60
61- 6.4.3: Payment page script management
62- 8.4.2: MFA for all CDE access
63- 10.4.1.1: Automated log review
64- 11.6.1: Payment page change detection
65- 12.3.1: Targeted risk analysis
66
67### Scoping Guidance
68
69- Define CDE boundaries clearly
70- Identify all connected and security-impacting systems
71- Network segmentation reduces scope
72- Document scope and maintain annually
73
74## Capabilities
75
76- Compliance readiness assessment
77- ROC section guidance and completion help
78- SAQ type selection and completion
79- Requirement interpretation and evidence guidance
80- Compensating control evaluation
81- Customized approach support
82- Gap analysis and remediation planning
83- QSA assessment preparation
aibot88