112 th Annual Conference May 6-9, 2018 St. Louis, Missouri
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1 4:15 5:30 May7, 2018 Room 230 Complex 112 th Annual Conference May 6-9, 2018 St. Louis, Missouri Moderator/Speakers: Rafiu Ighile Chief Business and Technology Officer Howard County Public School System, MD Cory Kampf Finance & Central Services Division Manager, Anoka County, MN Craig Peterson Regional Director Payment Solutions US Bank-Elavon Understanding PCI Compliance and Accepting Payment Cards #GFOA2018
2 PCI Compliance What is it? PCI DSS Payment Card Industry Data Security Standards. Set of rules established by the Payment Card Industry (not a law) Applies to everyone who accepts payment cards Rules were instituted to prevent payment card fraud PCI Security Standards Council (PCIsecuritystandards.org)
3 Why Security Matters Potential Liabilities Associated with Breach: Loss of Customer Trust May have negative affect on customer credit Financial losses and penalties Termination of ability to accept payment cards Higher costs of compliance Legal costs (settlements / judgements)
4 Confirmed Data Breaches Total number of breaches continues to increase year over year 1,579 breaches in 2017 set a new record high 344 confirmed data breaches in ,093 1, % increase! / The Path to Secure Payments
5 Records Stolen More than 390 million records stolen between ,955,069 36,601, ,866, ,000, ,000, ,000, ,000, / The Path to Secure Payments
6 Social Security & Card Numbers Exposed Most of the 157 million Social Security numbers exposed were due to the Equifax data breach More than 14 million credit and debit card numbers were also exposed in M Cards 157M SSNs 178,955, M 100M 150M 200M 4 / The Path to Secure Payments
7 Financial Impact 76% of adults surveyed would no longer frequent a business with a high record of data security breaches. Companies that identified a data breach in less than 100 days lost $2.8 million. Cost increased to $3.83 million after 100 days. It takes 46 days on average to resolve a cyber attack at $21,155 /day. Source: Secureworks, Ten Reasons Average Data Breaches Costs $7 Million, November / The Path to Secure Payments
8 PCI Enforcement Banks Responsibility Enforcement Determine how merchants demonstrate compliance Compliance demonstrated using one of two methods: Self Reporting Check list Full audit by Thirds Party Qualified Security Assessor (QSA) Methods based on Level
9 What CC Data Matters
10 How is Data Stolen Comprised Card Reader Paper stored in file cabinet / or on desk Data in a payment system database Hidden camera Secret tap into wired or wireless network
11 What Do We Need to Secure Card Readers POS Systems Networks and Wireless Routers Payment card data storage and transmission Online payment applications (shopping carts)
12 PCI Compliance Where to Begin Inventory your payment touchpoints Are you EMV Chip enabled? Know your PCI Compliance Level Involve your Information Technology Staff Work with your Merchant providers Determine if an outside vendor is needed
13 Parks Department (PC Connected) Chominox Golf Course Bunker Beach Water Park Wargo Nature Center Gate Houses Online payments
14 Other: Property tax (online and terminal) Treasury (terminal) Corrections (Terminal) Medical Examiner ( Terminal ) Parking Ramp (Auto term / PC Connection) Multiple Libraries (PC Connected)
15 Know Your Level
16 PCI DSS Requirements
17 Where are we at with PCI DSS New VOIP just installed. Working with IT on Network / Encryption Bringing a consultant online Reviewing internal controls around POS stations. Updating Payment Card Acceptance Policy
18 PCI Compliance is Tough # Questions 6 / The Path to Secure Payments
19 PCI Compliance New Requirements Beginning June 30 th : New encryption protocols Discontinue SSL and early TSL Upgrade to TLS v1.1 or higher
20 for SMB The Path to Secure Payments and proprietary
21 Layered Security EMV Point-of-Sale card authentication ENCRYPTION In-transit protection TOKENIZATION Protects during use and at rest 7 / The Path to Secure Payments
22 EMV EMV (Europay, Mastercard and VISA) helps to verify that a card is not counterfeit. 8 / The Path to Secure Payments
23 Tokenization Tokenization replaces payment card data with a unique token ID. Eliminates the possibility of stolen payment data since it no longer exists in your environment. 9 / The Path to Secure Payments
24 Encryption An additional layer of encryption ensures that all activity is protected in transit. 10 / The Path to Secure Payments
25 What is Safe T for SMB? A security solution for small-medium organizations that includes: EMV Encryption Tokenization Breach Assistance Access to PCI Compliance Manager online validation tool 11 / The Path to Secure Payments
26 Safe-T for SMB Options Safe-T for SMB Gold o $250,000 Card Data Breach Assistance o EMV o Encryption o Tokenization o PCI Compliance Manager o Reduced SAQ Safe-T for SMB Silver o $100,000 Card Data Breach Assistance o EMV o Encryption o Tokenization o PCI Compliance Manager o Reduced SAQ 12 / The Path to Secure Payments
27 Safe T Reduces PCI SAQ by More than 80% 73 # Questions SAQ D SAQ C SAQ AEP SAQ B-IP SAQ C-VT SAQ B SAQ A SAQ SAFE-T Payment application (IP communication) no e-commerce e-commerce (partially outsourced) Standalone terminal (IP communication) Virtual terminal (no e-commerce) Imprint or standalone terminal (dial communication) Card Not Present (fully outsourced payments) 15 Online questionnaire provided as part of Safe-T for SMB program Catchall / The Path to Secure Payments
28 PCI Compliance Manager Online PCI validation tool 365/24/7 PCI portal access Sysnet Help Desk and Chat to answer questions QSA-supported (Sysnet) 15 / The Path to Secure Payments
29 Safe T for SMB Supported Solutions & Devices 13 / The Path to Secure Payments
30 We are dedicated to data security and PCI compliance Comprehensive, layered security to protect your data Customer-centric PCI Compliance team o Consultative approach with Level 1-4 agencies o Manages day-to-day Sysnet relationship o Collaborates with internal teams to provide training 16 / The Path to Secure Payments
31 Speaker Contact Information: Rafiu Ighile Cory Kampf Phone: Craig Peterson Phone: th Annual Conference May 6-9, 2018 St. Louis, Missouri Questions: Speakers will take questions and comments. This session is being recorded, please utilize the microphone in the aisle to ask all questions. Provide Feedback: Please take a few minutes to provide your feedback at Discuss/Comment: Join the discussion at #GFOA2018 Contact GFOA: To contact GFOA about session topics please research@gfoa.org #GFOA2018
PCI COMPLIANCE PCI COMPLIANCE RESPONSE BREACH VULNERABLE SECURITY TECHNOLOGY INTERNET ISSUES STRATEGY APPS INFRASTRUCTURE LOGS
TRAILS INSIDERS LOGS MODEL PCI Compliance What It Is And How To Maintain It PCI COMPLIANCE WHAT IT IS AND HOW TO MAINTAIN IT HACKERS APPS BUSINESS PCI AUDIT BROWSER MALWARE COMPLIANCE VULNERABLE PASSWORDS
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