¿Cómo pueden los profesionales de los sistemas de pago mejorar sus habilidades de resolución de problemas cuando se trata de ciberseguridad?

Whether compliant in PCI Standard Security Council frameworks or mitigating malware/hacking, first know fundamental concepts, terminology, and trends in data protection. Being fluent in core regulations, leading threats, common infrastructure/process vulnerabilities equips you to assess impact astutely.

Cybersecurity is a super fast growing field that is taken more seriously as the years go by. As companies face reputation risk, it has to be a field to be invested in generously. Infact, it is a matter of vision which makes top managers choose to spend more rather than being more profitable and firstly focuses on continuity. In this aspect, top managers should be fully aware of the cybersecurity requirements by taking professional advisory.

Having a thorough understanding of standards and requirements, especially relating to processes that are highly regulated helps immensely with governing risk management. The reputational risk and potential impact can be detrimental to an organization so these standards should not only be tested by external assessors but also should be used internally to build security and oversight programs around Payment systems and processes.

1. Know the technology and security architecture of the payment systems 2. Understand the applicable regulations, consider the best practices, understand requirements from all merchants, ecosystem participants 3. Work on bringing down all residual risks associated to the system to the risk tolerance level and in-line with the risk appetite of the management 4. Keep liaising with the security team to understand the operational impacts inherited due to security 5. Stay aware of the latest technology landscape, potential sources to automate processes to have less overhead in security 6. Oversight on the effective metrics (KPIs,KRIs) and contribute to improvise 7. Work on improving TAT for the payment systems with support from security function

Payments space dynamics change every now and then, and so to have a wholistic view on how a cyber security threat can be avoided is necessary. PCI DSS and other data security standards are a must as the digital space advances, also now that RBI has come up with a guideline for implementing ALT ID for guest check out transaction with tokenization already in place, it is a step towards tightening the grip on card level data that is crawling within the servers.

Be teachable is key. Develop the ability to learn, unlearn and relearn. This has been a game changer in my small career. Payments industry is an evolving one and we need to stretch ourselves and embrace changes to be able to make a difference.

Given rapid advances in attack sophistication, maintain vigilance through continual education. Follow cybersecurity thought leaders, certification programs, conference circles generating up-to-date best practices. Apply new insights systematically to boost your organization’s resilience.

In addition to learning the cyber security trends via various platforms and through the thought leaders, one should always try to create a hypothetical used cases and build a solution, which will help to mitigate the risk around it.

In response to real incidents, utilize a structured investigative process to identify root causes - whether unpatched software allowing exploits or social engineering enabling intrusions. Consider second-order failures too in risk management and disaster recovery. Methodical assessment sharpens solutions.

Employ emerging technology platforms throughout the incident response lifecycle - attack detection sensors, log data analyzers, threat intelligence feeds etc. Technical controls and automation contain damages from human-introduced issues while buying you time to address policy and behavioral gaps permanently.

Engage cross-functional partners early with transparent status updates preemptively and during crises. Marketing, legal, leadership all play key roles in containing external perceptions post-incident. Unified vision and coordinated actions lead to optimal outcomes.

To build a robust cybersecure payment ecosystem, every team involved in the process needs to collaborate and communicate with each other. In addition to cyber security experts, feedback should be also taken from internal stakeholders like Product Team, Operations, IT, BSG, ISG, CIC, Business Team etc. these teams will have a different perspective which should be considered to launch a market ready product. Consultation from Payments system experts remains top priority.

Implementing an information repository system is recommended as it provides insights to analyze patterns of attacks and potential risks. This can be achieved through collaboration even between competitors in a payment ecosystem - considering that cybersecurity risks are typically brand and system agnostic.

Habilidades técnicas são importantes be para criar algo novo porém quando o assunto em questão é segurança da informação, todos devem ficar atento as b inúmeras possibilidades de tornar o sistema e meios de pagamentos com mais robustez, trazendo segurança a todos que operacionalizam e realizam transações eletrônicas utilizando esses meios.