Apply a four-step retention review to remove unnecessary stored account data.
A failed-settlement export keeps full PAN for 18 months because different teams assume another team may need it. Retention review: discover -> justify -> replace -> protect Jumping directly to encryption treats unnecessary storage as acceptable. PCI DSS expects stored account data to be kept only when there is a legitimate business need and to be protected for the time it remains. Discover Inventory every place the export lands: SFTP folder, analyst downloads, BI ingestion, backup snapshots, and error logs. Stored account data often spreads through operational copies. Looking only at the source database misses the real exposure. Justify Interview…
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