Regulatory readiness that holds up to a partner bank review.

Partner bank due diligence

Sponsor banks send long security questionnaires and expect evidence behind every answer, often on short notice.

Cardholder data scope

PCI DSS asks for recurring checks across access, encryption, logging and vulnerability scanning that are easy to let slip.

Regulators expect proof

Financial regulators increasingly want demonstrable controls, not policies on paper, with records that span the full period.

Access and identity

• Privileged access reviewed every quarter
• MFA enforced on all administrative and remote access
• Leaver accounts disabled within the agreed window

Data protection

• Stored cardholder data encrypted and keys rotated
• Primary account numbers masked in logs and exports
• Data retention limits checked against policy

Monitoring and vulnerability

• Quarterly vulnerability scans with findings tracked
• Audit logs retained for twelve months
• Network security rule changes reviewed

Third parties

• Service provider due diligence recorded annually
• Responsibility matrix kept current per provider
• Vendor risk assessments tied to contract renewals