PCI DSS v4.0.1 Onsite Assessment for a Cloud-Native Fintech Platform

A cloud-native fintech platform delivering banking, lending, and payment solutions initiated its PCI DSS v4.0.1 compliance journey through a hybrid onsite assessment model. The organization operated across multi-tenant and dedicated customer environments spanning AWS, Azure, GCP, Oracle Cloud, and regional cloud providers. Its modern architecture built on Kubernetes, serverless computing, and infrastructure-as-code introduced significant scoping, segmentation, and control consistency challenges.

Early in the engagement, the primary risk centered on clearly defining Cardholder Data Environment boundaries across interconnected multi-cloud deployments serving multiple financial institutions. Shared infrastructure models, tenant isolation mechanisms, and customer-specific configurations increased the likelihood of scope ambiguity and inconsistent control implementation.

To address this, a structured cross-environment validation strategy was implemented. Dedicated customer environments were assessed individually, while centralized control alignment was enforced across the primary multi-tenant platform. Identified gaps were systematically verified across all environments to ensure uniform remediation. Despite architectural complexity, the organization achieved PCI DSS v4.0.1 certification across all in-scope environments.

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