5. Access to the Sensitive Cardholder Data
9. Security Awareness and Procedures
10. Credit Card (PCI) Security Incident Response Plan
11. Transfer of Sensitive Information Policy
This Policy document encompasses all aspects of security surrounding confidential company information and must be distributed to all company employees. All company employees must read this document in its entirety and sign the form confirming they have read and fully understand this policy. This document will be reviewed and updated by Management on an annual basis or when relevant to include newly developed security standards into the policy and re-distributed to all employees and contractors where applicable.
Information Security Policy
Dirigo Treasures, LLC handles sensitive cardholder information daily through its Payment Card Industry Data Security Standard (PCI DSS) compliant third-party payment processor, Authorize.net. Sensitive Information must have adequate safeguards in place to protect the cardholder data, cardholder privacy, and to ensure compliance with various regulations, along with guarding the future of the organisation.
Dirigo Treasures, LLC commits to respecting the privacy of all its customers and to protecting any customer data from outside parties. To this end management are committed to maintaining a secure environment in which to process cardholder information so that we can meet these promises.
Employees handling sensitive cardholder data should ensure:
- Handle Company and cardholder information in a manner that fits with their sensitivity and classification;
- Limit personal use of Dirigo Treasures, LLC information and telecommunication systems and ensure it doesn’t interfere with your job performance;
- Dirigo Treasures, LLC reserves the right to monitor, access, review, audit, copy, store, or delete any electronic communications, equipment, systems and network traffic for any purpose;
- Do not use e-mail, internet and other Company resources to engage in any action that is offensive, threatening, discriminatory, defamatory, slanderous, pornographic, obscene, harassing or illegal;
- Do not disclose personnel information unless authorized;
- Protect sensitive cardholder information;
- Keep passwords and accounts secure;
- Request approval from management prior to establishing any new software or hardware, third party connections, etc.;
- Do not install unauthorised software or hardware, including modems and wireless access unless you have explicit management approval;
- Always leave desks clear of sensitive cardholder data and lock computer screens when unattended; and
- Information security incidents must be reported, without delay, to the individual responsible for incident response locally – You are responsible for identifying and contacting this individual.
We each have a responsibility for ensuring our company’s systems and data are protected from unauthorized access and improper use. If you are unclear about any of the policies detailed herein you should seek advice and guidance from your line manager.
1. Network Security
A high-level network diagram of the network is maintained and reviewed on a yearly basis. The network diagram provides a high level overview of the cardholder data environment (CDE), which at a minimum shows the connections in and out of the CDE. Critical system components within the CDE, such as Point of Sale (POS) devices, databases, web servers, etc., and any other necessary payment components, as applicable should also be illustrated.
In addition, an external vulnerable scanning should be performed and completed by a PCI Security Standards Council (PCI SSC) Approved Scanning Vendor (ASV), where applicable. Evidence of these scans should be maintained for a period of 18 months.
2. Acceptable Use Policy
Management’s intentions for publishing an Acceptable Use Policy are not to impose restrictions that are contrary to Dirigo Treasures, LLC’s established culture of openness, trust and integrity. Management is committed to protecting the employees, partners and Dirigo Treasures, LLC from illegal or damaging actions, either knowingly or unknowingly by individuals. Dirigo Treasures, LLC will maintain an approved list of technologies and devices and personnel with access to such devices as detailed in Appendix B.
- Employees are responsible for exercising good judgment under the particular circumstances regarding the reasonableness of personal use.
- Employees should take all necessary steps under the particular circumstances to prevent unauthorized access to confidential data which includes card holder data.
- Keep passwords secure and do not share accounts. Authorized users are responsible for the security of their passwords and accounts.
- All PCs, laptops and workstations should be secured with a password-protected screensaver with the automatic activation feature.
- All POS and Personal Identification Number (PIN) entry devices should be appropriately protected and secured so they cannot be tampered or altered.
- The List of Devices in Appendix B will be regularly updated when devices are modified, added or decommissioned. A stocktake of devices will be regularly performed and devices inspected to identify any potential tampering or substitution of devices.
- Users should be trained in the ability to identify any suspicious behaviour where any tampering or substitution may be performed. Any suspicious behaviour will be reported accordingly.
- Information contained on portable computers is especially vulnerable, special care should be exercised.
- Postings by employees from a Company email address to newsgroups should contain a disclaimer stating that the opinions expressed are strictly their own and not necessarily those of Dirigo Treasures, LLC, unless posting is in the course of business duties.
- Employees must use extreme caution when opening e-mail attachments received from unknown senders, which may contain viruses, e-mail bombs, or Trojan horse code.
3. Protect Stored Data
- All sensitive cardholder data stored and handled by Dirigo Treasures, LLC and its employees must be securely protected against unauthorised use at all times. Any sensitive card data that is no longer required by Dirigo Treasures, LLC for business reasons must be discarded in a secure and irrecoverable manner.
- If there is no specific need to see the full Permanent Account Number (PAN), it has to be masked when displayed.
- Any PAN that is not protected as required above should never be sent to the outside network via end user messaging technologies like chats, ICQ messenger etc.,
It is strictly prohibited to store:
- The contents of the payment card magnetic stripe (track data) on any media whatsoever.
- The Card Verification Value/Card Verification Code (CVV/CVC) (the 3 or 4 digit number on the signature panel on the reverse of the payment card) on any media whatsoever.
- The PIN or the encrypted PIN Block under any circumstance.
4. Information Classification
Data and media containing data must always be labelled to indicate sensitivity level.
- Confidential data might include information assets for which there are legal requirements for preventing disclosure or financial penalties for disclosure, or data that would cause severe damage to Dirigo Treasures, LLC if disclosed or modified. Confidential data includes cardholder data.
- Internal Use data might include information that the data owner feels should be protected to prevent unauthorized disclosure.
- Public data is information that may be freely disseminated.
5. Access to the Sensitive Cardholder Data
All Access to sensitive cardholder should be controlled and authorized. Any job functions that require access to cardholder data should be clearly defined.
- Any display of the card holder should be restricted at a minimum to the first 6 and the last 4 digits of the cardholder data.
- Access to sensitive cardholder information such as PAN’s, personal information and business data is restricted to employees that have a legitimate need to view such information.
- No other employees should have access to this confidential data unless they have a genuine business need.
- If cardholder data is shared with a Service Provider (3rd party) then a list of such Service Providers will be maintained as detailed in Appendix C.
- Dirigo Treasures, LLC will ensure that a written agreement with the Service Providing acknowledging that the Service Provide shall be responsible for cardholder data in the Service Provider’s possession.
- Dirigo Treasures, LLC shall establish and implement a process to conduct proper due diligence, prior to engaging with a Service provider.
- Dirigo Treasures, LLC shall establish and implement a process in place to monitor the PCI DSS compliance status of the Service provider, prior to engaging that Service Provider.
6. Physical Security
Access to sensitive information in both hard and soft media format must be physically restricted to prevent unauthorised individuals from obtaining sensitive data.
- “Media” is defined as any printed or handwritten paper, received faxes, floppy disks, back-up tapes, computer hard drive, etc.
- Media containing sensitive cardholder information must be handled and distributed in a secure manner by trusted individuals.
- Visitors must always be escorted by a duly authorized Dirigo Treasures employee when in areas that holds sensitive cardholder information. A “visitor” is defined as a vendor, guest of an employee, service personnel, or anyone who needs to physically enter the premises for a short duration, usually not more than one day.
- Dirigo Treasures shall establish and implement procedures to assist all Dirigo Treasures personnel easily distinguish between employees and visitors, especially in areas where cardholder data is accessible. “Employee” refers to full-time and part-time employees, temporary employees and personnel, and consultants who are “resident” on Company sites.
- Dirigo Treasures shall establish, implement and maintain a list of devices that accept payment card data to include, among other relevant information, the make, model and location of the device, and the serial number or a unique identifier of the device
- Such list shall be updated when devices are added, removed or relocated
- POS devices surfaces shall be periodically inspected to detect tampering or substitution.
- Personnel using the devices shall be trained in and fully understand handling the POS devices
- Personnel using the devices shall verify the identity of and=y third party personnel claiming to repair or run maintenance tasks on the devices, install new devices or replace devices.
- Personnel using the devices shall be trained to report suspicious behaviour and indications of tampering of the devices to the appropriate, duly authorized Dirigo Treasures personnel. Sites.
- Dirigo Treasures shall maintain strict control over the external or internal distribution of any media containing card holder data and has to be approved by management
- Dirigo Treasures shall maintain strict control over the storage and accessibility of media
- All computer that store sensitive cardholder data shall have a password protected screensaver enabled to prevent unauthorized use.
7. Protect Data in Transit
All sensitive cardholder data must be protected securely if it is to be transported physically or electronically.
- Card holder data (PAN, track data, etc.) must never be sent over the internet via email, instant chat or any other end user technologies.
- If there is a business justification to send cardholder data via email or by any other mode then it should be done after authorization and by using a strong encryption mechanism (i.e. – AES encryption, PGP encryption, IPSEC, etc.).
- The transportation of media containing sensitive cardholder data to another location shall be authorised by management, logged and inventoried before leaving the premises. Only secure courier services may be used for the transportation of such media. The status of the shipment shall be monitored until it has been delivered to its new location.
8. Disposal of Stored Data
- All data shall be securely disposed of in the manner provided authorized by Dirigo Treasures management when such date is no longer needed or required regardless of the media or application type on which it is stored.
- An automatic process shall exist to permanently delete on-line data, when no longer required
- needed or required by Dirigo Treasures management.
- All hard copies of cardholder data shall be manually destroyed when no longer needed or required by Dirigo Treasures management for business reasons. A quarterly process shall be in place to confirm that all non-electronic cardholder data has been appropriately disposed of in a timely manner.
- Dirigo Treasures, LLC shall implement procedures for the destruction of hardcopy (paper) materials. These procedures shall require that all hardcopy materials be crosscut shredded, incinerated or reduced to pulp to prevent any further unauthorized reconstruction and use.
- Dirigo Treasures, LLC shall implement documented procedures for the destruction of electronic media. These will require:
- All cardholder data on electronic media must be rendered unrecoverable when deleted e.g. through degaussing or electronically wiped using military grade secure deletion processes or the physical destruction of the media;
- If secure wipe programs are used, the process must define the industry accepted standards followed for secure deletion.
- All cardholder information awaiting destruction shall be placed and kept in lockable storage containers clearly marked “To Be Shredded” – access to these containers must be restricted.
9. Security Awareness and Procedures
The following policies and procedures shall be incorporated into company practice to maintain a high level of security awareness. The protection of sensitive data demands regular training of all employees and contractors.
- Review handling procedures for sensitive information and hold periodic security awareness meetings to incorporate these procedures into day to day company practice.
- Distribute this security policy document to all company employees to read. It is required that all employees confirm that they understand the content of this security policy document by signing an acknowledgement form (see Appendix A).
- Prospective employees of Dirigo Treasures that may handle sensitive information are required to agree to and undergo and pass pre-employment background checks to the satisfaction and in sole discretion of Dirigo Treasures for information such as criminal and credit record checks and to the
- extent provided for under applicable state and/or federal laws, if any.
- All third parties with access to credit card account numbers are contractually obligated to comply with card association security standards (PCI/DSS).
- Company security policies must be reviewed annually and updated as needed.
10. Credit Card (PCI) Security Incident Response Plan
- Dirigo Treasures, LLC, PCI Security Incident Response Team (PCI Response Team) is comprised of the Information Security Officer and Merchant Services. Dirigo Treasures, LLC PCI security incident response plan is as follows:
- Each department shall promptly report any potential security incident to the Information Security Officer (preferably) or to another member of the PCI Response Team.
- The person receiving the report shall promptly advise the PCI Response Team of the incident.
- The PCI Response Team shall investigate the reported incident and assist the potentially compromised department to limit the exposure of cardholder data and in mitigating the risks associated with the incident.
- The PCI Response Team shall resolve the problem to the satisfaction of all parties involved, including reporting the incident and findings to the appropriate parties (credit card associations, credit card processors, etc.) as necessary.
- The PCI Response Team shall determine if updated or additional policies, processes or safeguards are necessary to prevent future incidents wherever such incidents have or may occur.
Dirigo Treasures, LLC’s PCI Security Incident Response Team:
|Information Security Officer|
|Collections & Merchant Services|
Information Security PCI Incident Response Procedures:
- Any department that reasonably believes it may have a breach of an account, cardholder information or of systems related to the PCI environment in general, must promptly inform the Dirigo Treasures, PCI Incident Response Team. Upon such notification, , the PCI Response Team, along with other designated staff, shall implement the PCI Incident Response Plan to assist and augment that departments’ response plans.
Incident Response Notification
Escalation – First Level:
Information Security Officer
Escalation – Second Level:
Dirigo Treasures, LLC Principal/Owner
External Contacts (as needed)
Merchant Provider Card Brands
Internet Service Provider (if applicable)
Internet Service Provider of Intruder (if applicable) Communication Carriers (local and long distance) Business Partners
External Response Team as applicable (CERT Coordination Center 1, etc) Law Enforcement Agencies as applicable inn local jurisdiction
In response to a systems compromise, the PCI Response Team and designees shall:
- Ensure compromised system/s is isolated on/from the network.
- Gather, review and analyze the logs and related information from various central and local safeguards and security controls
- Conduct appropriate forensic analysis of compromised system.
- Contact internal and external departments and entities as appropriate.
- Make forensic and log analysis available to appropriate law enforcement or card industry security personnel, as required.
- Assist law enforcement and card industry security personnel in investigative processes, including in prosecutions.
Each credit card company has individually-specific requirements that the Response Team must adhere to when reporting suspected or confirmed breaches of cardholder data. See below for these requirements.
Incident Response notifications to various card schemes
- In the event of a suspected security breach, alert the information security officer or your line manager immediately.
- The security officer shall promptly carry out an initial investigation of the suspected security breach.
- Upon confirmation that a security breach has occurred, the security officer shall promptly alert management and begin informing all relevant parties that may be affected by the compromise.
* VISA is a federally-registered trademark of Visa International Business Assoc., Inc.
If a data security compromise involves credit card account numbers, the following procedures shall be implemented
- Shut down any systems or processes involved in the breach to limit the extent, and prevent further exposure.
- Alert all affected parties and authorities such as the Merchant Bank (your Bank), Visa Fraud Control, and the law enforcement.
- Provide details of all compromised or potentially compromised card numbers to Visa Fraud Control within 24 hrs.
- For more Information visit: https://usa.visa.com/business/accepting_visa/ops_risk_management/cisp_if_ compromised.html
VISA Incident Report Template
This report must be provided to VISA within 14 days after initial report of incident to VISA. The following report content and standards must be followed when completing the incident report. Incident report must be securely distributed to VISA and Merchant Bank. Visa will classify the report as “VISA Secret”*.
- Executive Summary
- Include overview of the incident
- Include RISK Level(High, Medium, Low)
- Determine if compromise has been contained
- Initial Analysis
- Investigative Procedures
- Include forensic tools used during investigation
- Number of accounts at risk, identify those stores and compromised
- Type of account information at risk
- Identify ALL systems analyzed. Include the following:
- Domain Name System (DNS) names
- Internet Protocol (IP) addresses
- Operating System (OS) version
- Function of system(s)
- Identify ALL compromised systems. Include the following:
- DNS names
- IP addresses
- OS version
- Function of System(s)
- Timeframe of compromise
- Any data exported by intruder
- Establish how and source of compromise
- Check all potential database locations to ensure that no CVV2, Track 1 or Track 2 data is stored anywhere, whether encrypted or unencrypted (e.g., duplicate or backup tables or databases, databases used in development, stage or testing environments, data on software engineers’ machines, etc.)
- If applicable, review VisaNet endpoint security and determine risk
- Compromised Entity Action
- Contact(s) at entity and security assessor performing investigation
*This classification applies to the most sensitive business information, which is intended for use within VISA. Its unauthorized disclosure could seriously and adversely impact VISA, its employees, member banks, business partners, and/or the Brand.
* MASTERCARD is a federally-registered trademark of Mastercard Int’l, Inc.
- Within 24 hours of an account compromise event, notify the MasterCard Compromised Account Team via phone at 1-636-722-4100.
- Provide a detailed written statement of fact about the account compromise (including the contributing circumstances) via secured e-mail to Dirigo Treasures, LLC (DirigoTreasures@gmail.com).
- Provide the MasterCard Merchant Fraud Control Department with a complete list of all known compromised account numbers.
- Within 72 hours of knowledge of a suspected account compromise, engage the services of a data security firm acceptable to MasterCard to assess the vulnerability of the compromised data and related systems (such as a detailed forensics evaluation).
- Provide weekly written status reports to MasterCard, addressing open questions and issues until the audit is complete to the satisfaction of MasterCard.
- Promptly furnish updated lists of potential or known compromised account numbers, additional documentation, and other information that MasterCard may request.
- Provide finding of all audits and investigations to the MasterCard Merchant Fraud Control department within the required time frame and continue to address any outstanding exposure or recommendation until resolved to the satisfaction of MasterCard.
Once MasterCard obtains the details of the account data compromise and the list of compromised account numbers, MasterCard will:
- Identify the issuers of the accounts that were suspected to have been compromised and group all known accounts under the respective parent member IDs.
- Distribute the account number data to its respective issuers.
Employees of Dirigo Treasures, LLC shall promptly report to the security officer for any security related issues. The role of the security officer is to effectively communicate all security policies and procedures to employees within Dirigo Treasures, LLC and contractors. In addition to this, the security officer will oversee the scheduling of security training sessions, monitor and enforce the security policies outlined in both this document and at the training sessions and finally, oversee the implantation of the incident response plan in the event of a sensitive data compromise.
Discover Card Steps
* DISCOVER is a federally-registered trademark of Discover Financial Services, Inc. Inc.
- Within 24 hours of an account compromise event, notify Discover Fraud Prevention at (800) 347-3102
- Prepare a detailed written statement of fact about the account compromise including the contributing circumstances
- Prepare a list of all known compromised account numbers
- Obtain additional specific requirements from Discover Card
American Express Steps
* is a federally-registered trademark of American Express Marketing & Development Corp.
- Within 24 hours of an account compromise event, notify American Express Merchant Services at (800) 528-5200 in the U.S.
- Prepare a detailed written statement of fact about the account compromise including the contributing circumstances
- Prepare a list of all known compromised account numbers Obtain additional specific requirements from American Express
11. Transfer of Sensitive Information Policy
- All third-party companies providing critical services to Dirigo Treasures, LLC must provide an agreed Service Level Agreement.
- All third-party companies providing hosting facilities must comply with Dirigo Treasures, LLC’s Physical Security and Access Control Policy.
- All third-party companies which have access to Card Holder information must
- Adhere to the PCI DSS security requirements.
- Acknowledge their responsibility for securing the Card Holder data.
- Acknowledge that the Card Holder data shall be only used for assisting the completion of a transaction, supporting a loyalty program, providing a fraud control service or for uses specifically required by law.
- Have appropriate provisions for business continuity in the event of a major disruption, disaster or failure.
- Provide full cooperation and access to conduct a thorough security review after a security intrusion by a Payment Card industry representative, or a Payment Card industry approved third party.
12. User Access Management
- Access to Company is controlled through a formal user registration process beginning with a formal notification from HR or from a line manager.
- Each user is identified by a unique User ID so that users can be linked to and made responsible for their actions. The use of group IDs is only permitted where they are suitable for the work carried out.
There is a standard level of access; other services can be accessed when specifically authorized by HR/line management. The job function of the user decides the level of access the employee has to cardholder data
- A request for service must be made in writing (email or hard copy) by the newcomer’s line manager or by HR. The request is free format, but must state:
Name of person making request;
Job title of the newcomers and workgroup;
Services required (default services are: MS Outlook, MS Office and Internet access).
- Each user will be given a copy of their new user form to provide a written statement of their access rights, signed by an IT representative after their induction procedure. The user signs the form indicating that they understand the conditions of access.
- Access to all Dirigo Treasures, LLC systems is provided by IT and can only be started after proper procedures are completed.
- As soon as an individual leaves Dirigo Treasures, LLC employment, all his/her system logons must be immediately revoked.
- As part of the employee termination process HR (or line managers in the case of contractors) will inform IT operations of all leavers and their date of leaving.
13. Access Control Policy
- Access Control systems are in place to protect the interests of all users of Dirigo Treasures computer systems by providing a safe, secure and readily accessible environment in which to work.
- Dirigo Treasures shall provide all of its employees and other authorized users with the information they need to carry out their responsibilities in an as effective and efficient manner as possible.
- Generic or group IDs shall not be permitted, except and unless where granted under exceptional circumstances and provided that sufficient other controls on access are in place.
- The allocation of privilege rights (e.g. local administrator, domain administrator, super-user, root access) shall be restricted and controlled, and authorization provided jointly by the system owner and IT Services. Technical teams shall guard against issuing privilege rights to entire teams to prevent loss of confidentiality.
- Access rights shall be approved in accordance with the following the principles of least privilege and need to know.
- Every user shall make best efforts under the circumstances to maintain the security of data at its classified level even if technical security mechanisms fail or are absent.
- Users electing to place information on digital media or storage devices or maintaining a separate database shall do so only where such an action is in accordance with the data’s classification.
Users shall report instances of non-compliance to the Dirigo Treasures’ Principal/Owner.
Access to Dirigo Treasures, LLC IT resources and services will be given through the provision of a unique Active Directory account and complex password.
- No access to any Dirigo Treasures, LLC IT resources and services shall be provided without prior authentication and authorization of a user’s Dirigo Treasures Windows Active Directory account.
- Password issuing, strength requirements, changing and control shall be managed through formal processes. Password length, complexity and expiration times will be controlled through Windows Active Directory Group Policy Objects.
- Access to Confidential, Restricted and Protected information shall be limited to authorised persons whose job responsibilities require it, as determined by the data owner or their designated representative. Requests for access permission to be granted, changed or revoked must be made in writing.
- Users are expected to become familiar with and abide by any and all Dirigo Treasures policies, standards and guidelines for appropriate and acceptable usage of the networks and systems.
- Access for remote users shall be subject to authorization by IT Services and be provided in accordance with the Remote Access Policy and the Information Security Policy. No uncontrolled external access shall be permitted to any network device or networked system.
- Access to data is variously and appropriately controlled in accordance with data classification levels described in the Information Security Management Policy.
- Access control methods include logon access rights, Windows share and NTFS permissions, user account privileges, server and workstation access rights, firewall permissions, IIS intranet/extranet authentication rights, SQL database rights, isolated networks and other methods as necessary.
- A formal process to review user’s access rights shall be created, implemented and conducted at regular intervals by system owners and data owners in conjunction with IT Services. The review shall be logged and IT Services shall sign off the review to give authority for users’ continued access rights.