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PSD2 SCA for Compliance Officers

What does PSD2 SCA require of a Compliance Officer?

Payment Services Directive 2 Strong Customer Authentication requirements. Under PSD2 SCA, which defines 28 controls, a Compliance Officer's work is deciding which controls you own outright, which you share and which belong to another team, then holding the evidence for the first group.

Which PSD2 SCA controls land on the Compliance Officer

Compliance Officers ensure the organisation meets its regulatory obligations. They manage audit programmes, maintain evidence repositories, track regulatory changes, and coordinate across business units to sustain compliance posture.

PSD2 SCA defines 28 controls across 11 domains that directly affect the Compliance Officer role. Understanding which controls fall within your ownership, which are shared, and which are owned by other teams is the foundation of effective compliance management.

What a Compliance Officer is accountable for under PSD2 SCA

1

Monitoring regulatory changes and assessing their impact on the organisation

2

Managing internal and external audit programmes and evidence collection

3

Maintaining compliance documentation, policies, and control frameworks

4

Coordinating with business units to implement and maintain required controls

5

Reporting compliance status to senior leadership and regulatory bodies

Where Compliance Officers lose time on PSD2 SCA

These are the most common obstacles Compliance Officers face when managing PSD2 SCA compliance, and how to address them:

Challenge 1

Tracking overlapping requirements across multiple regulatory frameworks

Challenge 2

Collecting evidence from multiple teams and systems for audit readiness

Challenge 3

Keeping policies and procedures current as regulations change

Challenge 4

Demonstrating compliance ROI to justify programme investment

Challenge 5

Managing the volume of regulatory change across jurisdictions

A working order for a Compliance Officer starting on PSD2 SCA

1. Readiness Assessment

Take a 5-minute readiness assessment to identify your organisation's current gap profile against PSD2 SCA. Get a prioritised action plan tailored to your specific situation.

2. Cross-Framework Mapping

Use our platform to map PSD2 SCA controls against other frameworks you already comply with. PSD2 SCA maps to 146 other frameworks in our database.

3. Build Your Toolkit

Equip yourself with PSD2 SCA toolkits, self-assessments, and implementation guides from our store. Resources designed specifically for Compliance Officers managing compliance programmes.

4. Continuous Monitoring

Establish ongoing compliance monitoring using our platform's gap analysis tools. Track your maturity over time and demonstrate progress to stakeholders.

PSD2 SCA in your sector

PSD2 SCA for Healthcare→PSD2 SCA for Financial Services→PSD2 SCA for Technology→PSD2 SCA for Government→PSD2 SCA for Manufacturing→PSD2 SCA for Energy→PSD2 SCA for Retail→PSD2 SCA for Education→

Who else owns part of PSD2 SCA

PSD2 SCA for CISOsView guide →PSD2 SCA for Risk ManagersView guide →PSD2 SCA for IT DirectorsView guide →PSD2 SCA for DPOsView guide →PSD2 SCA for AuditorsView guide →

Questions Compliance Officers ask about PSD2 SCA

What does a Compliance Officer need to know about PSD2 SCA?
As a Compliance Officer, your key responsibilities under PSD2 SCA include monitoring regulatory changes and assessing their impact on the organisation and managing internal and external audit programmes and evidence collection. The framework contains 28 controls that fall within your area of responsibility. Understanding which controls you own versus which are shared with other teams is critical for effective implementation.
How does PSD2 SCA affect the Compliance Officer role?
PSD2 SCA directly impacts Compliance Officers through monitoring regulatory changes and assessing their impact on the organisation, managing internal and external audit programmes and evidence collection, maintaining compliance documentation, policies, and control frameworks. The framework provides structure that helps Compliance Officers demonstrate due diligence and report compliance status to stakeholders.
What are the biggest PSD2 SCA challenges for Compliance Officers?
Common challenges include tracking overlapping requirements across multiple regulatory frameworks; collecting evidence from multiple teams and systems for audit readiness; keeping policies and procedures current as regulations change. Using cross-framework mapping tools and automated evidence collection can significantly reduce these pain points.
How should a Compliance Officer prepare for a PSD2 SCA audit?
Start by conducting a readiness assessment to identify gaps. Then focus on maintaining compliance documentation, policies, and control frameworks and coordinating with business units to implement and maintain required controls. Maintain a current evidence repository and ensure all control owners have documented their processes. Our readiness reports provide a prioritised action plan specific to your gap profile.
What tools help Compliance Officers manage PSD2 SCA compliance?
Effective PSD2 SCA compliance management requires tools for gap analysis, control mapping, evidence collection, and reporting. Our compliance platform provides AI-powered gap analysis across 1,120 frameworks with 315K+ verified control-to-control mappings, helping Compliance Officers identify overlapping requirements and reduce duplicate compliance effort.

Compliance Officer: How ready is your organisation for PSD2 SCA?

Answer 25 questions and get a professional readiness report with gap analysis, maturity scores, and prioritised action items. Results in 5 minutes.

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Written and maintained by Gerard Blokdyk, The Art of Service.Last updated .