All FTP users must have a default umask of 077.
The umask controls the default access mode assigned to newly created files. An umask of 077 limits new files to mode 700 or less permissive. Although umask is stored as a 4-digit number, the first digit representing special access modes is typically ignored or required to be zero.
How this relates to the STIG checklist: STIG vs SCAP benchmark.