Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Citrix 1Y0-403 : Citrix Virtual Apps and Desktops 7 Assessment, Design and Advanced Configurations Practice Tests

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Exam Number : 1Y0-403
Exam Name : Citrix Virtual Apps and Desktops 7 Assessment, Design and Advanced Configurations
Vendor Name : Citrix
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1Y0-403 test Format | 1Y0-403 Course Contents | 1Y0-403 Course Outline | 1Y0-403 test Syllabus | 1Y0-403 test Objectives

Exam Code : 1Y0-403
Exam Name : Citrix Virtual Apps and Desktops 7 Assessment, Design and Advanced Configurations (CCE-V)
Duration : 120 minutes
Questions : 61
Passing Score : 51%

Methodology and Assessment 7.5%
- Determine the design decisions that should be made based on given business drivers.
- Determine how to complete the user segmentation process for a given environment.
- Determine how to categorize applications based on a scenario.
- Assess a given environment to determine the capabilities of that environment.
User Layer 7.5%
- Determine the appropriate endpoint type and peripherals required for a given environment.
- Determine how to appropriately deploy Citrix Workspace app based on a list of requirements.
- Determine the network connectivity and graphics requirements for a design.
Access Layer 11%
- Determine the appropriate settings and configurations to make when designing an access deployment strategy for Citrix Gateway and StoreFront/Workspace.
- Determine the architectural needs of an environment when designing StoreFront stores.
- Determine access layer scalability for Citrix Gateway and StoreFront in a given environment.
Resource Layer – Images 11% - Determine how to appropriately scale the infrastructure for Virtual Delivery Agent Machines in a given environment.
- Determine how to secure the Virtual Delivery Agent Machines based on a scenario.
- Determine how to design the appropriate image provisioning strategy for a given environment.
Resource Layer - Applications and Personalization 9% - Determine the appropriate delivery options for Application deployment based on the analysis of the given environment.
- Determine the appropriate profile strategy to use in a given environment.
- Determine the appropriate policies to implement in a given environment.
Control Layer 9%
- Determine the appropriate delivery method to recommend when designing a Site for a given environment.
- Determine the appropriate management and administration design based on given requirements.
- Determine the appropriate site design and baseline specifications to ensure performance and stability in the given environment.
- Determine the Control Layer security requirements and features necessary to secure a given environment.
Hardware/Compute Layer 19%
- Determine the appropriate hardware or hypervisor to implement based on a given design.
- Determine the appropriate resource pool strategy for a given environment.
- Determine the appropriate hardware sizing based on a scenario.
- Determine the appropriate storage allocations to ensure optimization in a given environment.
- Determine the appropriate Datacenter configurations for network traffic in a given environment.
- Determine how to meet the security objectives and best practices for a given environment.
High Availability and Multiple Location Environments 20%
- Determine Multi-location architecture requirements and business considerations in a given environment.
- Determine the appropriate access configurations to recommend when designing a multi-site environment.
- Determine the appropriate Image Management requirements in a given environment.
- Determine the requirements for profiles and data in a multi-location environment.
- Determine the appropriate strategy to support printing in a multi-location solution.
- Determine how to design a site and FMA zones to ensure users have continuous access to resources in a multi-location solution.
Disaster Recovery 6%
- Determine the appropriate Disaster Recovery Strategy for a given environment.
- Determine how to recover a primary datacenter in the disaster recovery datacenter given a scenario.
- Network systems Including security, implementation and administration
- Citrix methodology and best practices for analysis and design
- Core design principles
- Installing Citrix technologies associated with app and desktop virtualization
- Configuring Citrix technologies associated with app and desktop virtualization
- Administering an app and desktop virtualization environment
- Maintaining an app and desktop virtualization environment
- Backing up components of an app and desktop virtualization environment
- Updating an app and desktop virtualization environment
- Monitoring an app and desktop virtualization environment
- Creating reports for trend analysis in environments that include a Citrix app and desktop virtualization solution
- Troubleshooting environments that include a Citrix app and desktop virtualization solution
- Cloud concepts such as private, public and hybrid clouds
- Storage concepts

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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyberattacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schadenszenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen

Hackerangriffe

Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hackerangriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

Erpressung

Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hackerangriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

Cyber-Kosten:

Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
Krisenkommunikation / PR-Maßnahmen
Systemverbesserungen nach einer Cyber-Attacke
Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

Befriedigung oder Abwehr von Ansprüchen Dritter
Rechtswidrige elektronische Kommunikation
Ansprüche der E-Payment-Serviceprovider
Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
Vertragliche Schadenersatzansprüche
Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
Rechtsverteidigungskosten

Cyber-Eigenschäden:

Betriebsunterbrechung
Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
Mehrkosten
Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
Cyber-Erpressung
Entschädigung mit Strafcharakter/Bußgeld
Ersatz-IT-Hardware
Cyber-Betrug

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Cyber-Kosten:

Cyber-Drittschäden (Haftpflicht):

Cyber-Eigenschäden:

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