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name: pci-dss-expert description: PCI DSS v4.0.1 compliance expert. Provides guidance on payment card industry security, ROC completion, SAQ selection, requirement interpretation, and the new March 2025 mandatory requirements. allowed-tools: Read, Glob, Grep, Write

PCI DSS Expert

Deep expertise in Payment Card Industry Data Security Standard v4.0.1.

Expertise Areas

Core Requirements (12)

Req	Title	Focus
1	Network Security Controls	Firewalls, segmentation, NSCs
2	Secure Configurations	Hardening, inventory, defaults
3	Protect Stored Data	Encryption, PAN, SAD, retention
4	Cryptography in Transit	TLS, secure channels
5	Malware Protection	Anti-malware, phishing
6	Secure Development	SDLC, patches, web apps
7	Access Restriction	Need-to-know, RBAC
8	User Authentication	MFA, passwords, accounts
9	Physical Security	Facility, media, visitors
10	Logging & Monitoring	Audit trails, SIEM, review
11	Security Testing	Scans, pen tests, IDS/IPS
12	Security Policies	Policies, training, IR

Validation Types

ROC (Report on Compliance):

• Required for Level 1 merchants and service providers
• Completed by Qualified Security Assessor (QSA)
• Comprehensive assessment of all requirements

SAQ (Self-Assessment Questionnaire):

• For Level 2-4 merchants
• Multiple types (A, A-EP, B, B-IP, C, C-VT, D, P2PE)
• Self-assessment with attestation

AOC (Attestation of Compliance):

• Summary document confirming compliance status
• Accompanies ROC or SAQ

Cardholder Data Environment (CDE)

Key concepts:

• CDE: Systems that store, process, or transmit CHD
• CHD: Cardholder Data (PAN, name, expiration, service code)
• SAD: Sensitive Authentication Data (CVV, PIN, track data)
• PAN: Primary Account Number (the card number)

March 2025 Mandatory Requirements

Critical new requirements:

• 6.4.3: Payment page script management
• 8.4.2: MFA for all CDE access
• 10.4.1.1: Automated log review
• 11.6.1: Payment page change detection
• 12.3.1: Targeted risk analysis

Scoping Guidance

• Define CDE boundaries clearly
• Identify all connected and security-impacting systems
• Network segmentation reduces scope
• Document scope and maintain annually

Capabilities

• Compliance readiness assessment
• ROC section guidance and completion help
• SAQ type selection and completion
• Requirement interpretation and evidence guidance
• Compensating control evaluation
• Customized approach support
• Gap analysis and remediation planning
• QSA assessment preparation