Denver, Colorado PCI SAQ Compliance, Certification, & Consulting – Fixed Fees

Denver, Colorado PCI SAQ Compliance, Certification, & Consulting – Fixed Fees

With business booming in Denver, merchants, retailors, and other storefront entities are being required to become PCI DSS compliant. Do you store, process, and or transmit cardholder data, if so, talk to the experts at Materdei Consulting, LLC, Denver, Colorado’s leading provider of PCI DSS compliance and consulting services and solutions. We offer a full-lifecycle of PCI service offerings, from scoping & readiness assessments to PCI policy writing, assistance with completing the ever-growing list of Self-Assessment Questionnaires (SAQ), and more. Contact us today at pci@pcipolicyportal.com, or call us at 424-274-1952 to learn more.

PCI Compliance is a Must for Denver, CO Businesses

Payment gateways and processors are demanding that their merchants become PCI DSS compliant each year, or face stiff fines and other penalties. With demanding workloads and competition everywhere, businesses are doing all they can to “stay” in business and remain profitable, which means PCI DSS compliance often takes a back seat in terms of prioritization. Yet with increasing cybersecurity threats and demanding compliance mandates looming, Denver merchants and service providers have no choice but to implement the necessary processes and procedures for becoming PCI compliant.

Frustrated on where to begin your PCI initiatives? Need assistance in developing a workable roadmap, one that includes developing much-needed PCI policies, training material, and more? Then do what other Denver, Colorado businesses are doing, and that’s turning to the experts at pcipolicyportal.com. You’ve worked long and hard in building a profitable business, so keep it that way by adhering to the PCI compliance requirements, while also putting in place a wide-range of information security best practices.

Download your PCI Policy Toolkit Today and Get Compliant

One of the most expensive and laborious processes for becoming – and staying – PCI compliant for Denver businesses are developing policy documents specific to PCI, implementing security awareness training, conducting an annual risk assessment, and more. Such initiatives require a combination of well-written InfoSec policy templates, along with comprehensive supporting materials, which is exactly what pcipolicyportal.com offers with PCI Policy Toolkits available for instant download today.

We take the pain out of PCI policy development for Denver, CO merchants and service providers by offering exceptionally well-researched and developed PCI policies that are simply second to none. Forget about revamping your antiquated InfoSec policies – we’ve got a much better, faster, and more cost-effective strategy – use our policy templates!

Colorado’s Leading Provider for PCI DSS Compliance, Consulting, Certification

pcipolicyportal.com offers the following PCI compliance and consulting services to the greater Denver area, including Boulder, Fort Collins, Colorado Springs, Golden, and other regions:

PCI Scoping & Readiness Assessments: Achieving PCI DSS compliance efficiently means beginning with a scoping & readiness assessment. The notion that you can simply download the PCI DSS standards, check “yes” for in place for all items, and you’re then certified as compliant is simply false. Many entities fail to recognize the complexities and challenges with the PCI framework – all the more reason for working with proven professionals in helping to carefully scope and assess your environment.

Questions we ask for getting to the bottom of PCI compliance for such an exercise include: (1). What is the specific business process and how do you store, process, and transmit cardholder data? (2). Do you have adequate PCI policies and procedures in place and can we review them? (3). Are you aware of the various security tools and systems that need to be in place for PCI compliance, such as FIM, vulnerability scanning, etc.?

The list goes on, but the point to make is that we unearth all issues, ultimately laying the groundwork for a successful PCI compliance process from beginning to end. Simply stated, a PCI scoping & readiness assessment is an essential activity for long-term compliance success, so we highly recommend them. Merchants and service providers in Denver, Boulder, Fort Collins, Colorado Springs, Golden – and all other areas within Colorado – can now turn to the experts at Materdei Consulting, LLC, so visit pcipolicyportal.com to learn more.

PCI Self-Assessment Questionnaire (SAQ) and AoC Guidance: What’s one of the demanding and challenging aspects of becoming PCI DSS compliant for Colorado merchants and service providers? If you answered that it’s filling out and completing the various PCI Self-Assessment Questionnaires (SAQ), then you’re correct. Millions of business in North America can “thankfully” self-assess against the ever-growing list of PCI SAQ documents, yet such material is becoming incredibly detailed, complex, and challenging, leaving many businesses frustrated and exhausted.

You need help completing the SAQ documents – and you’re not alone – as we often field phone calls from Colorado businesses who’ve called it quits on PCI compliance because the SAQ documents were so demanding. Don’t give up or give in, contact Colorado’s PCI compliance experts today at pci@pcipolicyportal.com. We’ll walk you through the entire set of PCI mandates, from Requirement 1 to Requirement 12, putting in place a structure roadmap that’s scalable, workable, and can deliver results.

Scanning Services: One of core mandates for PCI DSS compliance is performing regularly scheduled internal and external vulnerability scans. It’s not only a requirement for PCI DSS, it just makes sense from an information security best practices perspective. Scanning is critical as it identifies security threats and weaknesses within an organization’s network – and if not corrected – allows malicious hackers to ultimately penetrate a network.

Materdei Consulting, LLC offers services for sourcing scanning vendors for Colorado business. Looking for a cloud-based solution, or a traditional rack mounted device, or both? Have questions pertaining to scope and the relevant IP’s that must be scanned for PCI compliance? Need guidance on how to interpret and ultimately remediate failed scans? We provide all these services, and more, so contact us today at pci@pcipolicyportal.com to learn more.

Penetration Testing: What’s without question one of the very initiatives any company can perform regarding the security posture – or lack thereof – of one’s network? It’s penetration testing, and it’s also a strict requirement for PCI DSS compliance. Materdei Consulting, LLC offers comprehensive penetration services for Colorado business, from traditional white-box and black-box testing, to hybrid test procedures. What’s more, the importance of penetration testing has resulted in the PCI DSS framework mandating that multiple such tests are required each year for compliance. The annual pen test days are over, so finding a high-quality, fixed-fee provider for penetration testing for Colorado business is critical.

Denver’s PCI DSS Compliance Experts – Give us a Call

PCI compliance isn’t an overnight process, especially with many of the complexities involved in today’s growing number of SAQ documents – but we can help you get across that finish line. We’ve been helping merchants and service providers all throughout Denver, Boulder, Fort Collins, Colorado Spring, Golden – and other locations – since 2009, so let’s talk today about your PCI needs.

PCI Policy Writing Solutions: One of the most demanding and time-consuming aspect of PCI DSS compliance is authoring the almost endless amounts of documents needed – specifically – the dozens of PCI policies and procedures. From Requirement 1 to Requirement 12, up to fifty different PCI policies are needed, and it’s why Materdei Consulting, LLC offers comprehensive policy writing services. Sure, our PCI policies and procedures are industry leading and easy to configure, but if you’re looking for that extra level of customization and short on time, then let us author your policies for you.

We’ve been helping Denver merchants and service providers save thousands of dollars on policy writing requirements, so contact us today at pci@pcipolicyportal.com to learn more. Whatever the industry is you’re, in, we offer a wide-range of PCI policies and procedures for helping ensure rapid and complete compliance with the Payment Card Industry Data Security Standards (PCI DSS) mandates for Denver, CO merchants and service providers.

Vendor Selection for Security Tools/Products: Are you familiar with File Integrity Monitoring (FIM), two-factor authentication (2FA), network-based Intrusion Detection Systems (IDS) – if so, great – if not, then get to know these security solutions as they’re essential for meeting PCI compliance. We can help source high-quality, cost-effective vendors that offer such tools, saving you dozens of hours when it comes to choosing the right vendor(s).

Continuous Monitoring for Compliance: Hey, PCI DSS compliance for Denver merchants and service providers is not a one-and-done scenario – not at all. If you’ve climbed to the top of the PCI DSS compliance mountain by becoming complaint, then congratulations, but you’ll have to stay there, and that requires work. What type of work – it’s what we call Continuous Monitoring – regularly assessing your internal controls and related policies, procedures, and processes – and making changes as necessary.

It can be a big challenge – Continuous Compliance, that is – but not with Materdei Consulting, LLC, as we offer comprehensive services, forms, checklists, and other solutions for keeping you on top of the PCI DSS compliance mountain. Ready to learn more, then email us today at pci@pcipolicyportal.com to learn more about our PCI DSS compliance services and solutions for Denver, CO merchants and service providers.

PCI DSS Compliance Requirements for Financial Institutions

PCI DSS Compliance Requirements for Financial Institutions

PCI compliance requirements for financial institutions – banks, insurance companies, mortgage brokers/agencies, and others – requires such entities to put in place comprehensive internal controls, along with supporting documentation. It can be an incredibly challenging and daunting task – but it doesn’t have to be – so long as you have a solid understanding of the overall intent and merit of PCI DSS compliance, along with helpful tools for getting you past the finish line. Financial institutions are some of the most heavily regulated sectors in the U.S. economy, thus the PCI DSS mandates are yet another layer of regulatory requirements that require immediate attention.

Our PCI Compliance Toolkits save Financial Institutions Thousands of Dollars

Before we dig into best practices for PCI compliance requirements for financial institutions, just a quick note that pcipolicyportal.com offers industry leading, award-winning PCI Compliance Toolkits containing hundreds of pages of information security policies, procedures, forms, checklists, and numerous other documents – essential material for helping FI’s become compliant.

From policy templates to security awareness training material, risk assessment templates – and more – our PCI Policy Packets & Compliance Toolkits for banking & financial services entities will save you hundreds of hours and thousands of dollars. Visit pcipolicyportal.com today to learn more.

8 Essential Things Financial Institutions Need to Know About PCI Compliance

Understanding important elements of PCI compliance will ultimately save you hundreds of hours and thousands of dollars on annual costs associated with the PCI DSS standards. Financial institutions are often storing, processing, and transmitting cardholder data, and because of this, not only is PCI DSS compliance mandatory, but additional consideration must be taken with other existing compliance mandates and the relationship to consumer data that FI’s store. With that said, let’s dig into some important things you need to know.

1. Begin with a Scoping & Readiness Assessment. A PCI DSS scoping & readiness assessment – which can be performed by internal personnel or a seasoned PCI DSS professional – is absolutely necessary for FI’s who have never undertaken this type of compliance mandate. After all, you want to assess and confirm scope, identify gaps and deficiencies, put in place a structured roadmap with deliverables and milestones, and more.

That’s exactly what you’ll get out of a PCI DSS scoping & readiness assessment – when properly performed. Scope creep for compliance often begins by not truly understanding the boundaries of an audit and the remediation efforts that must be performed for becoming compliant, so keep that in mind.

2. Understand the Relationship with Credit Cards and Consumer Data (i.e., PII, etc.). There are more than likely a number of scenarios where FIs are storing both cardholder data and sensitive consumer data, which essentially falls under the larger umbrella of Personally Identifiable Information (PII). While the lawyers, pundits, and academia world like to argue as to what the definition of PII is and what is constitutes – and there’s quite a bit of chatter on this topic – we can all agree that any type of information relating to consumer information needs to be protected, no question about it.

Thus, not only does PCI compliance have crossover applicability to the likes of numerous banking and financial regulations, it also allows the PCI standards to be used as a great starting point in terms of baseline information security best practices.

3. Policies and Procedures are Critical for Compliance. If any industry is well aware of the layers of bureaucracy, it’s banking and financial, which also means you’re well aware of the importance of documentation – specifically – policies and procedures. Sure, they’re exhausting to develop, and can be quite costly, and it’s why FI’s download our PCI Policy Packets & Compliance Toolkits for banking & financial services entities at pcipolicyportal.com. Everything you need for PCI compliance in terms of documentation is right there for you, ultimately resulting in big savings in terms of operational man-hours.

4. Expect Technical Remediation to be Performed. FI’s new to the PCI DSS framework will without question have a number of technical “to do” items on their task list, and that’s largely because the PCI mandates are comprehensive, covering a wide-range of information security domains. We already spoke about the importance of PCI policies and procedures, but consider the following technical/security requirements found within the current Payment Card Industry Data Security Standards framework:

  • Provisioning and hardening of firewall rules/configuration files
  • Server hardening
  • Anti-virus
  • File Integrity Monitoring (FIM)
  • Two-factor/multifactor authentication
  • Audit logs and audit trails
  • Vulnerability scanning
  • Penetration testing
  • Intrusion Detection System (IDS)
  • And more

As you can clearly see, it’s a healthy list of initiatives, many of which can take time and money to successfully implement. Luckily, Materdei Consulting, LLC has years of experience helping FI’s in becoming PCI compliant. We know what tools you need to implement, what vendors you should turn to, and more. It’s just another reason why companies all throughout North America turn to us for industry leading PCI solutions and consulting services. Visit pcipolicyportal.com today to learn more.

5. Assessing Risk is Mandatory. So what’s one of the most important initiatives any business should be doing ever year, regardless of industry, size, or sector? Assessing risk, that’s what! How can a company reasonably expect to survive and move forward without understanding short-term and long-term issues, risks and threats to the organization? Risk assessments, when performed properly, are very beneficial and insightful indeed, and they’re also a strict requirement for many merchants and service providers seeking to become PCI DSS compliant. Our PCI Policy Packets & Compliance Toolkits for banking & financial services offer a comprehensive and easy-to-use risk assessment packet.

6. The Importance of Security Awareness Training. Do you train your employees on a regular basis regarding essential security threats, issues, and topics for today’s complex and digitally driven economy we all live in? If not, now’s the time, because much like risk assessments, security awareness training is a best practice every business should be performing, and it’s also a mandate for many merchants and service providers. pcipolicyportal.com offers an in-depth, high-quality security awareness training packet consisting of a PowerPoint presentation and a training manual – thus giving you two options for PCI security awareness training. Knowledge is power – all the more reason to perform annual PCI security awareness training.

7. Annual Compliance is Mandatory. There’s no such thing as a one-and-done scenario for PCI DSS compliance for any business. While becoming PCI DSS compliant is a monumental milestone to meet, staying compliant year after year is often a more taxing, time-consuming, and challenging process. The world of regulatory compliance just continues to grow each year, with the PCI DSS framework often leading the way. With millions of businesses storing, processing, and/or transmitting cardholder data, the safety and security of credit card information is now more important than ever, so turn to the proven and trusted experts today at pcipolicyportal.com. Call us today at 424-274-1952 to learn more about our products, services, and solutions and how we can help FI’s become PCI DSS compliant.

8. Put in place “Continuous Monitoring”. As for mandatory PCI DSS compliance, the very best way to ensure one’s annual PCI certification is kept current is by putting in place a concept known as “Continuous Monitoring” – the practice of inspecting, assessing, changing and ultimately enhancing one’s internal controls at it relates to the Payment Card Industry Data Security Standards. Visit pcipolicyportal.com to learn more today.

Download PCI Compliance Toolkit today and get Compliant

Becoming PCI compliant for FI’s requires a tremendous amount of documentation – no question about it – and it’s why businesses in the banking and financial services sector turn to pcipolicyportal.com and instantly download the PCI Policy Packets & Compliance Toolkits for banking & financial services. Spending hundreds of hours and thousands of dollars on costly policy and procedures writing is not high on anybody’s wish list, so do what thousands of businesses have done since 2009, and that’s download the very best set of PCI policy and compliance documents today from pcipolicyportal.com.

 

PCI DSS Compliance – What you CAN and CANNOT Store Re: Cardholder Data and Sensitive Authentication Data (SAD)

Regarding Payment Card Industry (PCI) Data Security Standards (DSS) compliance, commonly known as PCI DSS, there’s seems to be some confusion at times as to what CAN and CANNOT be stored. The PCI DSS standards are actually quite clear on this, so here they are. The following information CAN be stored for purposes of complying with PCI DSS:

  • The Primary Account Number (PAN)
  • Cardholder Name
  • Service Code
  • Expiration Date

Please keep in mind, though you are permitted to store this information, it needs to be “protected”. How so? By ensuring the PAN is rendered unreadable, by methods such as encryption, hashing or truncating.

What Merchants/Service Providers Should NOT Store – Sensitive Authentication Data (SAD)

Regarding PCI DSS compliance, the following is a list of information which should NOT be stored (however, there are exceptions, which we’ll discuss):

  • Full Magnetic Stripe/Track Data (Track 1 and Track 2)
  • CID, CAV2, CVC2, and CVV2 codes
  • Pin and Pin Block

The exceptions to this are simply the following: If there is a compelling and justified business reason for storing this data, then it may be permitted. Careful consultation with a Qualified Security Assessor (QSA) can help you answer this question.

And lastly, don’t confuse the “service codes” with the “CID, CAV2, CVC2, and CVV2 codes”, which seems to happen quite often. Remember, the “service code” is actually the 3 or 4 digit number on the magnetic-stripe that specifies the acceptance requirements and limitations for magnetic-stripe read transactions. In short, it’s imbedded on the magnetic stripe on the track data, typically known as Track 1 data (you can store that, it’s allowed). The CID, CAV2, CVC2, and CVV2 codes are displayed on the cards either on the front or the back.

To learn more about the Payment Card Industry Data Security Standards and becoming PCI DSS compliant, please contact us today at pci@pcipolicyportal.com.

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