WHY PCI COMPLIANCE MATTERS IN CLOUD MIGRATION

Last week, I was in discussions with my client about target architecture design and migration approach for a specific application. As an Enterprise Architect, I captured all design areas aligned with the cloud adoption framework while defining the target cloud architecture. During our architecture review, I identified an additional consideration: client-specific compliance requirement. 

What is PCI Compliance?

PCI Compliance refers to adherence to the Payment Card Industry Data Security Standard (PCI DSS). These standards were established by the PCI Security Standards Council (PCI SSC) to protect cardholder data and reduce credit card fraud. Essentially, PCI DSS outlines security measures that all organizations processing, storing, or transmitting credit card information must follow to maintain a secure environment. 

Why is PCI Compliance Important?

PCI compliance is not just about avoiding penalties or passing audits— it’s about safeguarding sensitive customer data. Key reasons include:

1. Data Security: Protects against data breaches and cyberattacks.
2. Customer Trust: Builds confidence that their information is secure
3. Legal Protection: Helps avoid legal consequences and fines from data breaches.
4. Reputation Management: Reduces the risk of reputational damage from security incidents.

The 12 Key Requirements of PCI DSS

To achieve PCI compliance, organizations must meet the following 12 requirements:

1. Install and maintain a firewall to protect cardholder data.
2. Do not use vendor-supplied defaults for system passwords and other security parameters.
3. Protect stored cardholder data.
4. Encrypt transmission of cardholder data over open, public networks.

5. Use and regularly update antivirus software.
6. Develop and maintain secure systems and applications.

7. Restrict access to cardholder data based on business need-to-know.
8. Assign a unique ID to each person with computer access.
9. Restrict physical access to cardholder data.
10. Track and monitor all access to network resources and cardholder data.
11. Regularly test security systems and processes.
12. Maintain a policy that addresses information security for employees and contractors.

Steps to Achieve PCI Compliance

1. Assess: Identify cardholder data, take inventory of IT assets and business processes for payment card processing, and analyse them for vulnerabilities.
2. Remediate: Fix vulnerabilities and avoid storing cardholder data unless absolutely necessary.
3. Report: Prepare and submit the required reports to acquiring banks and the relevant card brands.