A paid, permitted attempt by a security expert to break into your systems to find weaknesses.
Like hiring a locksmith to try your doors and report which ones opened: you get the findings without the break-in.
A vCIO review covers the basics a test would look for.
Do I need a penetration test? Only if a client, regulator or insurer asks, or after the basics are in place.
Every WILDCARD card exists to solve one named problem. Find yours.