CompTIA Updated SY0-701 Exam Questions and Answers by ariyah

PCI DSS is the Payment Card Industry Data Security Standard, which is a set of security requirements for organizations that store, process, or transmit cardholder data. PCI DSS aims to protect the confidentiality, integrity, and availability of cardholder data and prevent fraud, identity theft, and data breaches. PCI DSS is enforced by the payment card brands, such as Visa, Mastercard, American Express, Discover, and JCB, and applies to all entities involved in the payment card ecosystem, such as merchants, acquirers, issuers, processors, service providers, and payment applications.

If a large bank fails an internal PCI DSS compliance assessment, the most likely outcome is that the bank will face fines from the payment card brands. An internal PCI DSS compliance assessment is a self-assessment that the bank performs to evaluate its own compliance with the PCI DSS requirements. The bank must submit the results of the internal assessment to the payment card brands or their designated agents, such as acquirers or qualified security assessors (QSAs). If the internal assessment reveals that the bank is not compliant with the PCI DSS requirements, the payment card brands may impose fines on the bank as a penalty for violating the PCI DSS contract. The amount and frequency of the fines may vary depending on the severity and duration of the non-compliance, the number and type of cardholder data compromised, and the level of cooperation and remediation from the bank. The fines can range from thousands to millions of dollars per month, and can increase over time if the non-compliance is not resolved.

The other options are not correct because they are not the most likely outcomes if a large bank fails an internal PCI DSS compliance assessment. B. Audit findings. Audit findings are the results of an external PCI DSS compliance assessment that is performed by a QSA or an approved scanning vendor (ASV). An external assessment is required for certain entities that handle a large volume of cardholder data or have a history of non-compliance. An external assessment may also be triggered by a security incident or a request from the payment card brands. Audit findings may reveal the gaps and weaknesses in the bank’s security controls and recommend corrective actions to achieve compliance. However, audit findings are not the outcome of an internal assessment, which is performed by the bank itself. C. Sanctions. Sanctions are the measures that the payment card brands may take against the bank if the bank fails to pay the fines or comply with the PCI DSS requirements. Sanctions may include increasing the fines, suspending or terminating the bank’s ability to accept or process payment cards, or revoking the bank’s PCI DSS certification. Sanctions are not the immediate outcome of an internal assessment, but rather the possible consequence of prolonged or repeated non-compliance. D. Reputation damage. Reputation damage is the loss of trust and credibility that the bank may suffer from its customers, partners, regulators, and the public if the bank fails an internal PCI DSS compliance assessment. Reputation damage may affect the bank’s brand image, customer loyalty, market share, and profitability. Reputation damage is not a direct outcome of an internal assessment, but rather a potential risk that the bank may face if the non-compliance is exposed or exploited by malicious actors. References = CompTIA Security+ Study Guide (SY0-701), Chapter 8: Governance, Risk, and Compliance, page 388. Professor Messer’s CompTIA SY0-701 Security+ Training Course, Section 8.2: Compliance and Controls, video: PCI DSS (5:12). PCI Security Standards Council, PCI DSS Quick Reference Guide, page 4. PCI Security Standards Council, PCI DSS FAQs, question 8. PCI Security Standards Council, PCI DSS FAQs, question 9. [PCI Security Standards Council], PCI DSS FAQs, question 10. [PCI Security Standards Council], PCI DSS FAQs, question 11. [PCI Security Standards Council], PCI DSS FAQs, question 12. [PCI Security Standards Council], PCI DSS FAQs, question 13. [PCI Security Standards Council], PCI DSS FAQs, question 14. [PCI Security Standards Council], PCI DSS FAQs, question 15. [PCI Security Standards Council], PCI DSS FAQs, question 16. [PCI Security Standards Council], PCI DSS FAQs, question 17. [PCI Security Standards Council], PCI DSS FAQs, question 18. [PCI Security Standards Council], PCI DSS FAQs, question 19. [PCI Security Standards Council], PCI DSS FAQs, question 20. [PCI Security Standards Council], PCI DSS FAQs, question 21. [PCI Security Standards Council], PCI DSS FAQs, question 22. [PCI Security Standards Council], PCI DSS FAQs, question 23. [PCI Security Standards Council], PCI DSS FAQs, question 24. [PCI Security Standards Council], PCI DSS FAQs, question 25. [PCI Security Standards Council], PCI DSS FAQs, question 26. [PCI Security Standards Council], PCI DSS FAQs, question 27. [PCI Security Standards Council], PCI DSS FAQs, question 28. [PCI Security Standards Council], PCI DSS FAQs, question 29. [PCI Security Standards Council], PCI DSS FAQs, question 30. [PCI Security Standards Council]

A service level agreement (SLA) is a type of agreement that defines the expectations and responsibilities between a service provider and a customer. It usually includes the quality, availability, and performance metrics of the service, as well as the time frame in which the provider needs to respond to service requests, incidents, or complaints. An SLA can help ensure that the customer receives the desired level of service and that the provider is accountable for meeting the agreed-upon standards.

References:

Security+ (Plus) Certification | CompTIA IT Certifications, under “About the exam”, bullet point 3: “Operate with an awareness of applicable regulations and policies, including principles of governance, risk, and compliance.”

CompTIA Security+ Certification Kit: Exam SY0-701, 7th Edition, Chapter 1, page 14: “Service Level Agreements (SLAs) are contracts between a service provider and a customer that specify the level of service expected from the service provider.”

The principle of least privilege is a security concept that limits access to resources to the minimum level needed for a user, a program, or a device to perform a legitimate function. It is a cybersecurity best practice that protects high-value data and assets from compromise or insider threat. Least privilege can be applied to different abstraction layers of a computing environment, such as processes, systems, or connected devices. However, it is rarely implemented in practice.

In this scenario, the IT manager is setting up the principle of least privilege by restricting access to the administrator console of the help desk software to only two authorized users: the IT manager and the help desk lead. This way, the IT manager can prevent unauthorized or accidental changes to the software configuration, data, or functionality by other help desk staff. The other help desk staff will only have access to the normal user interface of the software, which is sufficient for them to perform their job functions.

The other options are not correct. Hardening is the process of securing a system by reducing its surface of vulnerability, such as by removing unnecessary software, changing default passwords, or disabling unnecessary services. Employee monitoring is the surveillance of workers’ activity, such as by tracking web browsing, application use, keystrokes, or screenshots. Configuration enforcement is the process of ensuring that a system adheres to a predefined set of security settings, such as by applying a patch, a policy, or a template.

References = 

https://en.wikipedia.org/wiki/Principle_of_least_privilege

https://en.wikipedia.org/wiki/Principle_of_least_privilege

The first step in responding to a cybersecurity incident, particularly when malware is detected, is to contain the impacted hosts. This action prevents the spread of malware to other parts of the network, limiting the potential damage while further investigation and remediation actions are planned.

References = CompTIA Security+ SY0-701 study materials, particularly on incident response procedures and the importance of containment in managing security incidents​​.