If personnel have access to cardholder data, what must be ensured?

The importance of ensuring that personnel with access to cardholder data comply with strict access controls lies in the need to protect sensitive information from unauthorized access and potential breaches. Strict access controls limit the number of individuals who can access cardholder data to only those who absolutely need it to perform their job functions. This principle is a fundamental aspect of information security practices, known as the principle of least privilege, which states that users should be granted the minimum level of access necessary to complete their responsibilities effectively.

By enforcing strict access controls, organizations can decrease the likelihood of data breaches, reduce the risk of insider threats, and maintain compliance with data protection regulations and standards, such as the Payment Card Industry Data Security Standard (PCI DSS). This not only helps to safeguard sensitive cardholder information but also enhances the overall security posture of the organization.

In contrast, the other options do not contribute positively to the security of cardholder data. Outdated training does not equip personnel with the necessary knowledge to handle data securely. Allowing unrestricted access without oversight creates a significant risk of data exposure and breaches. Lastly, the absence of any requirement for security clearance undermines the safeguards needed to protect sensitive information.