Cyber Resilience Briefing — March 31, 2025

Executive briefing: Fraud teams are ingesting third-party analytics feeds that demand broad data lake access. Zeph Tech is gating token scopes, enforcing synthetic data sandboxes, and validating incident response SLAs so finance leaders can innovate while preserving compliance.

Key industry signals

Expanded logging expectations. PCI DSS v4.0 Requirement 10 reiterates centralised logging for any system touching cardholder data, extending to external analytics platforms.
Regulatory scrutiny on vendors. The FFIEC Cybersecurity Assessment Tool’s Domain 3 stresses third-party resilience testing, pushing banks to evidence oversight for fraud analytics providers.
Model drift incidents. Payment processors continue to report false positives after vendor updates, highlighting the need for change-management gates and rollback plans.

Control alignment

PCI DSS v4.0 Requirement 10. Ensure logging controls capture authentication, query, and export activity for every vendor integration touching cardholder data.
FFIEC CAT Domain 3. Incorporate fraud analytics vendors into resilience tests, scenario planning, and board reporting.

Detection and response priorities

Alert when vendor service accounts escalate privileges, request new data lake roles, or bypass segregation controls.
Correlate fraud detection anomalies with vendor deployment schedules to separate tuning effects from genuine fraud campaigns.

Enablement moves

Publish shared runbooks that clarify alert routing, escalation thresholds, and communication expectations during vendor-caused incidents.
Partner with finance to quantify return on investment from vendor-driven chargeback reductions and fraud loss avoidance.

Zeph Tech analysis

Supervisors expect quantitative evidence. OCC and CFPB examiners increasingly ask for confusion matrix trendlines and false-positive remediation stats, so teams need dashboards that blend vendor analytics with internal outcomes.
Data minimisation reduces GLBA exposure. Limiting vendor access to tokenised PANs and hashed identity attributes keeps Gramm-Leach-Bliley Act safeguards intact while still enabling behavioural modelling.
Incident SLAs must be contractual. Fraud vendors should commit to 30-minute critical incident acknowledgements and provide backtesting data after model changes; Zeph Tech bakes these clauses into master service agreements.

Sources

Zeph Tech operationalises vendor assessments, data minimisation, and SLA validation so fraud teams can innovate with control.