💳PCI DSS 12.10Rule: PCI-12-10critical

Incident Response Plan

Description

Implement an incident response plan to respond to suspected or confirmed cardholder data security incidents.

⚠️ Risk Impact

First-hour response determines breach cost. Card brands have specific notification windows; missing them triggers separate penalties.

🔍 How EchelonGraph Detects This

PCI-12-10Automated scanner rule

EchelonGraph's Tier 1 Cloud Scanner automatically checks for this condition across all connected cloud accounts. Violations are flagged as critical-severity findings with remediation guidance.

🔧 Remediation

Documented IR plan + playbooks per incident type. Quarterly tabletop. Card-brand notification matrix. Acquirer notification within 24 hours of confirmed incident.

💀 Real-World Attack Scenario

A merchant detected a breach Tuesday but didn't notify the acquiring bank until the following Monday — 6 days later. Card brand fined the merchant for late notification on top of the breach itself. Total: $3.2M direct + lost merchant status with one major card brand.

💰 Cost of Non-Compliance

Late card-brand notification: $5K-$100K per day. Avg ransomware response: $4.45M.

📋 Audit Questions

  • 1.IR plan documented?
  • 2.Card-brand notification matrix?
  • 3.Last tabletop?
  • 4.Walk through last real incident.

🎯 MITRE ATT&CK Mapping

T1486 — Data Encrypted for Impact

⚡ Common Pitfalls

  • Generic IR plan that doesn't cover card-brand specifics
  • No 24/7 IR rotation
  • Notification authority too narrow (single person = single point of failure)

📈 Business Value

Rehearsed IR + card-brand-aware response converts incidents from existential to operational.

⏱️ Effort Estimate

Manual

Playbook authoring + quarterly tabletop

With EchelonGraph

EchelonGraph maintains live IR runbooks per incident type

🔗 Cross-Framework References

SOC2-CC7.4NIST-IR-4

Automate PCI DSS 12.10 compliance

EchelonGraph continuously monitors this control across all your cloud accounts.

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