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Home/Industries/Banking & Financial
Banking · Fintech · Insurance · SAMA · NCA ECC · PCI DSS

Securing Saudi
Arabia's Financial
Sector.

Pristine InfoSolutions is the financial sector's most trusted cybersecurity partner in Saudi Arabia — delivering SAMA CSF Level 4, NCA ECC, PCI DSS, and PDPL compliance alongside 24/7 SOC monitoring purpose-built for Saudi banks, fintechs, insurance companies, and payment processors. 100% supervisory examination pass rate.

100%SAMA Exam Pass Rate
Level 4Bank Maturity Delivered
50+FI Clients Served
4Frameworks Simultaneously
FINANCIAL SECURITY POSTURE · SAUDI BANK
EXAM-READY
// Multi-Framework Compliance Score
SAMA CSF — Level 4
100%
NCA ECC-2:2024
100%
PCI DSS v4.0
100%
Saudi PDPL
97%
ISO 27001:2022
99%
Supervisory ExamPASSED — Zero Findings
SAMA CSF Level 4
NCA ECC-2:2024
PCI DSS v4.0
Saudi PDPL
ISO 27001
24/7 SOC
BEC Fraud Prevention
Ransomware Defence
SWIFT Security
Open Banking Security
Mada PCI Compliance
Fintech SAMA Compliance
SAMA CSF Level 4
NCA ECC-2:2024
PCI DSS v4.0
Saudi PDPL
ISO 27001
24/7 SOC
BEC Fraud Prevention
Ransomware Defence
SWIFT Security
Open Banking Security
Mada PCI Compliance
Fintech SAMA Compliance

The Most Regulated — and Most Targeted — Sector in Saudi Arabia

Saudi financial institutions face a uniquely demanding security environment — simultaneous regulatory obligations from SAMA, NCA, SDAIA, and international card schemes; sophisticated threat actors targeting payment systems and customer accounts; and rapidly expanding digital banking and fintech services creating new attack surfaces at pace.

  • SAMA CSF mandatory — Level 4 for banks, Level 3 for all other SAMA-supervised entities
  • NCA ECC-2:2024 applies alongside SAMA — simultaneous compliance required
  • PCI DSS v4.0 mandatory for cardholder data processing — SAMA Sub-domain 3.2.3
  • PDPL applies to all customer personal data — Saudi nationals' financial data is sensitive data
  • BEC fraud, ransomware, and SWIFT-targeting attacks increasingly targeting Saudi banks
  • Open banking and digital wallet expansion creating new API and identity attack surfaces
Discuss Financial Security →
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SAMA Level 4 Delivered

100% supervisory exam pass rate. 50+ financial institution clients. Full Level 4 in 12 weeks for Saudi banks.

💳

PCI DSS + SAMA

SAMA Sub-domain 3.2.3 and PCI DSS satisfied simultaneously — one evidence set, one programme, one cost.

🛡️

BEC & Fraud Defence

24/7 SOC with specialised BEC, account takeover, and SWIFT-targeting detection rules built for Saudi financial institutions.

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Open Banking Security

API security, OAuth 2.0 / FAPI implementation, and identity controls for Saudi open banking and fintech platforms.

Security & Compliance Services for Saudi Financial Institutions

Every security and compliance service Saudi banks, fintechs, insurance companies, and payment processors need — from SAMA Level 4 delivery to 24/7 financial fraud monitoring.

🏦

SAMA CSF Compliance

Complete SAMA Cybersecurity Framework programme — Level 3 baseline or Level 4 for banks. Annual self-assessment submission, supervisory exam support. 100% pass rate.

SAMALevel 4Self-AssessmentExam Support
📋

NCA ECC-2:2024

Saudi national cybersecurity standard delivered alongside SAMA from a single programme — shared evidence, reduced cost. 100% first-pass audit success.

NCA ECC110 ControlsArabicIntegration
💳

PCI DSS v4.0

SAMA-referenced PCI DSS compliance for cardholder data processing. Quarterly ASV scans, penetration testing, SAQ completion, and QSA-supported ROC for Level 1 entities.

PCI DSSSAMA 3.2.3ASVQSAMada
⚖️

PDPL — Customer Data

PDPL compliance for financial institutions processing Saudi customer personal data — lawful basis register, consent management for marketing, DSR procedures, and SDAIA evidence.

PDPLCustomer DataConsentSDAIA
🛡️

Financial Threat Monitoring

24/7 SOC with financial-sector specific detection — BEC fraud patterns, SWIFT anomaly detection, account takeover indicators, and ATM/POS skimming alerts.

SOCBECSWIFTAccount Takeover24/7
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Financial IAM & PAM

Privileged access management for core banking, treasury, and payment systems — JIT access, session recording, and MFA for all financial system administrators aligned to SAMA requirements.

IAMPAMCore BankingSAMAJIT
📱

Digital Banking Security

Security architecture and testing for mobile banking apps, internet banking portals, and open banking APIs — OWASP Mobile Top 10, FAPI compliance, and 3DS implementation.

Mobile BankingAPIOWASPFAPI3DS
🔍

Financial Penetration Testing

CREST-certified penetration testing of banking applications, SWIFT infrastructure, payment systems, and network environments — aligned to SAMA and NCA ECC testing requirements.

PentestSWIFTCRESTSAMABanking Apps
🚨

Financial Incident Response

24/7 IR for financial institutions — ransomware targeting banking systems, SWIFT fraud, and payment system compromise. NCA and SAMA mandatory notification managed end-to-end.

IRRansomwareSWIFT FraudSAMA Notification

Every Financial Sector Regulation — One Programme

Saudi financial institutions face simultaneous obligations from multiple regulators. Pristine delivers all four from a single integrated programme — shared controls, shared evidence, dramatically lower cost.

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SAMA CSF

Level 3 / Level 4

Mandatory for all SAMA-supervised institutions. Banks must achieve Level 4. Annual self-assessment. Supervisory examination. Pristine: 100% pass rate.

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NCA ECC

All 110 Controls

Mandatory alongside SAMA — not an alternative. Pristine delivers both from one programme with shared evidence.

💳

PCI DSS

SAMA Sub-domain 3.2.3

Mandatory for cardholder data processing. Mada network requirement. Pristine QSA-supported SAQ, ASV scans, and ROC.

⚖️

PDPL

Customer & Employee Data

All SAMA entities process Saudi customer personal data. PDPL applies. Pristine delivers PDPL + ISO 27701 alongside SAMA.

Why Saudi Financial Institutions Choose Pristine

🏦

100% SAMA Exam Pass Rate

50+ financial institution engagements — banks, fintechs, insurance, exchange companies — every single one has passed their SAMA supervisory examination. Not a claim. A track record.

🔗

4 Frameworks Simultaneously

SAMA + NCA ECC + PCI DSS + PDPL from one integrated programme — shared evidence collected once, dramatically lower cost than four separate compliance projects.

12-Week Level 4 Delivery

Saudi banks achieved SAMA Level 4 in 12 weeks through Pristine's methodology. The fastest Level 4 delivery in the market — critical for institutions facing imminent SAMA examination deadlines.

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Arabic-Native Financial Docs

All SAMA submissions, policies, and board presentations written in Arabic by financial sector specialists who understand Saudi regulatory language — not translated documents.

🛡️

Financial Fraud Expertise

BEC, SWIFT targeting, account takeover, and ATM/POS fraud — Pristine's SOC team has financial sector-specific detection capabilities built from years of Saudi financial institution defence.

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Mada & PCI DSS Specialists

Deep understanding of Saudi domestic payment infrastructure — Mada, SPAN, SADAD — and the specific PCI DSS obligations applicable to Saudi payment network participants.

What Saudi Financial Leaders Say

★★★★★

Pristine took our bank from Level 2.4 SAMA maturity to Level 4 across all domains in 12 weeks — zero supervisory examination findings. Their Arabic policy documents were exactly what SAMA examiners expected. The integrated NCA ECC delivery saved us 3 additional months of separate compliance work.

BK
Badr Al-Khalid
CISO, Saudi Commercial Bank
★★★★★

As a new SAMA-licensed fintech, we needed compliance from day one. Pristine built our entire SAMA + NCA ECC + PCI DSS programme simultaneously in 10 weeks. Our first examinations across all three frameworks had zero findings. This level of multi-framework capability doesn't exist anywhere else in the Saudi market.

LN
Lena Al-Nasser
CCO, Saudi Fintech Company
★★★★★

The BEC fraud detection Pristine's SOC deployed caught an active business email compromise campaign targeting our treasury team — an SAR 4.2 million transfer request that was blocked before execution. The financial ROI on that single detection justified years of SOC investment. Exceptional capability.

FA
Faisal Al-Attar
Head of Cybersecurity, Saudi Insurance Group

Financial Sector Security FAQs

Yes — all SAMA-licensed fintechs must comply with both SAMA CSF and NCA ECC-2:2024. They are both mandatory and not alternatives. SAMA CSF governs financial sector cybersecurity. NCA ECC applies to all Saudi CNI and regulated entities including financial institutions. Pristine delivers both from a single integrated programme — shared controls, one evidence set, significantly lower cost than separate compliance projects.
SAMA conducts supervisory examinations of financial institutions' cybersecurity posture — assessing the accuracy of annual self-assessments and reviewing control implementation evidence. Examinations vary in frequency based on institution size, risk profile, and previous findings — typically annually for larger institutions. SAMA examiners conduct on-site visits, review documentation, and interview key personnel. Pristine prepares clients for examination with mock audits in Arabic.
It depends on your integration model. If you use a redirect-only integration where customers are redirected to a fully hosted third-party payment page and you never handle card data, you may qualify for SAQ-A — the simplest PCI DSS assessment. If your platform manages any element of the payment page or transmits card data to a processor, a more comprehensive SAQ or ROC is required. Pristine's free PCI scoping call determines the correct SAQ type.
SAMA CSF Domain 3 includes cloud security sub-controls requiring financial institutions to assess cloud service providers, document shared responsibility, and ensure data sovereignty for sensitive financial data. NCA CCC-2:2024 adds a layer of cloud-specific controls. Together, SAMA and NCA create comprehensive cloud security obligations for Saudi financial institutions adopting cloud services. Pristine delivers SAMA cloud compliance and NCA CCC simultaneously.
PDPL applies to all Saudi personal data — which includes financial information, account data, transaction history, and personal details of Saudi customers. Financial institutions must establish lawful basis for customer data processing (typically contract or consent for marketing), implement data subject rights procedures, satisfy cross-border transfer conditions for data shared with international group companies, and notify SDAIA within 72 hours of a personal data breach. Pristine delivers PDPL alongside SAMA CSF.
Saudi financial institutions face several specific fraud vectors: (1) BEC targeting treasury and finance teams with fraudulent wire transfer requests — often impersonating CFOs or Saudi authorities; (2) SWIFT-targeting attacks attempting to inject fraudulent payment instructions into SWIFT messaging systems; (3) Account takeover using credential phishing specifically crafted for Saudi banking portals; (4) ATM jackpotting and POS malware targeting Saudi retail payment infrastructure. Pristine's SOC has detection capabilities for all of these specific to Saudi threat actors.

SAMA Level 4.
Zero Exam Findings.

Request a free financial sector security assessment — our SAMA compliance specialists will evaluate your current posture and design a tailored programme at no cost.

📍 Riyadh, Saudi Arabia

Request Your Free Security Assessment

A senior Pristine specialist will contact you within 4 business hours.

🔒 Data processed in Saudi Arabia · PDPL compliant · Response within 4 business hours

Pristine Serves Every Saudi Sector

🏛️
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