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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Graduate Certificate in Professional Study

Give Your Teaching Career a Boost with a Professional Study Graduate Certificate

If you would like to advance your professional career by pursuing additional coursework beyond your degree, a Graduate Certificate of Professional Study within the field of education from Southern New Hampshire University can provide you with the opportunity to engage with a broad range of topics. Earning your graduate certificate is a great way to add to your teaching résumé while enhancing your understanding of important educational concepts and strategies.

This field-based certificate program, available through the SNHU Vermont Campus, is ideal for practicing educators seeking applied learning and professional development opportunities within the subject areas of curriculum, test and evaluation, education technology, learning and development, and teacher leadership.

Although this program is currently available in a limited number of districts within the state of Vermont, they encourage you to reach out to the SNHU Vermont Campus at info@snhuvt.org if you are interested in participating or learning more.

See Yourself Succeed with a Professional Study Graduate Certificate from SNHU

The field-based Professional Study Graduate Certificate program in education at SNHU allows you to choose from the following five subject areas: Curriculum, Assessment and Evaluation, Education Technology, Learning and Development, and Teacher Leadership. This is a 15-credit program, and you will select five three-credit courses to complete in accordance with your chosen topic.

As a private, nonprofit university, SNHU has one mission - to help you see yourself succeed. The benefits of enrolling in a field-based graduate program at SNHU include:

  • Convenience. Pursue your graduate degree or certificate where you work, and complete international field studies around your teaching schedule.
  • Supportive community. They have a deep understanding of how adults learn best, and they know all of their students personally. Their cohort model allows you to learn with colleagues.
  • Relevance. All course material and assignments apply directly to your classroom practice.
  • Affordability. It’s their mission to make higher education more accessible. That’s why, SNHU is one of the most affordable private, nonprofit universities in New Hampshire. 
  • Constructivist classrooms. Their instructors design the classroom experience so that it begins with your experiences and builds toward exceptional practice in a collaborative manner.
  • Careers & Outcomes

    The Professional Study program is designed to help educators advance their careers without committing to a full master’s degree program. The goal of this program is to produce teachers who are prepared to impact their schools and their students in meaningful ways, both inside and outside of the classroom. Whether your goal is to develop new curriculum, become familiar with new teaching technology, or learn new leadership skills, SNHU can help you take the next step in your career.

    Professional Study (Post-Master's Graduate Certificate)

    In addition to the standard Professional Study Graduate Certificate in education program, SNHU also offers a Professional Study Post-Master's Graduate Certificate option. This program is similar to the standard graduate certificate version, but is designed for educators who have already earned their Master of Education. This program also features Curriculum, Assessment and Evaluation, Education Technology, Learning and Development, and Teacher Leadership as subject areas; however, many of the courses within the post-master's program cover more advanced topics.

    Curriculum

    With multiple pathways to choose from, the program will help you develop a deeper understanding of responsive, responsible teaching methods. Participants will plan and deliver purposeful learning opportunities that incorporate current research and best practices to engage students in meaningful ways. SNHU will help you learn to create strengths-based, inclusive, and collaborative learning communities in classrooms and schools. The program will also help you understand the need for professional analysis, innovation, and continually evolving professional strategies while evaluating your own personal growth, teaching practice development, and personal leadership.

    Graduate Tuition

    Our Manchester campus aims to keep tuition and related costs low for their students so that you can pursue your degree and your goals.

    Beyond low tuition rates, they help their students save through transfer credits, credit for prior learning, grants and scholarships, tuition assistance and more.

    This certificate is not eligible for federal financial aid. Students seeking alternatives to federal financial aid can explore tuition assistance, grants and scholarships, as well as private loans. To learn more about private loans, visit their Funding Your Education with Student Loans page.


    Study Shows Professional Women Are Less Likely To Achieve 'Last Name Fame'

    Tesla. Edison. Einstein. Shakespeare. These singular names evoke instant recognition and prominence. But why is it that they rarely see accomplished women addressed in the same way, with just a last name?

    New research conducted by Cornell University psychologists has shed some light on this mismatch. The paper, “How Gender Determines the Way They Speak About Professionals,” published in the Proceedings of the National Academy of Sciences, shows that on average, male and female participants are more than twice as likely to call male professionals – even fictional ones – by their last name only, compared to equivalent female professionals.

    Photo by Chuttersnap @Chuttersnap

    "So what," you might wonder. Couldn’t it be that addressing someone by a last name is just a casual, harmless shortcut?

    In fact, the study’s researchers cite that this difference in naming habits is actually an example of gender bias, and may be contributing to gender inequality more broadly. The eight studies that comprised the research, spearheaded by doctoral student Stav Atir, and Melissa Ferguson, professor and chair of psychology at Cornell’s College of Arts and Sciences, shows how the difference in naming affects participants’ judgments of professionals. When men were referred to only by surname, they were perceived as more important and eminent than the women, who were more often referred to by their first and last names in domains such as science, literature, and politics.

    Another study that was part of the research assessed the language of political pundits on the radio, including NPR’s Terry Gross and Rush Limbaugh. These announcers were more than twice as likely to refer to well-known men (versus women) by their last names alone. By selectively calling people by their last names, broadcasters reinforce perceptions that men are more significant and memorable.

    University students exhibit similar behaviors. One study within the research looked at archival data in online domains like Rate My Professors. In an analysis of nearly 4,500 comments on that website, Atir and Ferguson found that students were 56 percent more likely to refer to a male professor by only his surname.

    Most ghastly, this naming difference actually affects judgments of worthiness. Participants in the first study rated professionals described by a surname as 14% more deserving of a career award. This evaluative gender bias may partially explain the stubborn gender gap in fields like science, technology, engineering, and math where women are poorly represented.

    So what can they glean from this research, practically speaking? And how they can expand their thinking beyond name recognition alone, to other areas of the workplace? Below are 4 ways employers can evolve their practices:

  • Bring diversity expertise into Marketing: Make it the job of your marketing team to study evolving research like the study mentioned here, identify modern parlance, and use it consistently. Corporate diversity and inclusion teams should be connected to Marketing and PR efforts as both a partner and thought leader.
  • Demystify recognition criteria: Be crystal clear about your criteria for rewarding employees and giving recognition. There’s nothing worse than having an unevenly applied set of recognition criteria or worse, no criteria at all. Ask yourself what behaviors you want to reward most and then test how fair your criteria are. Determine how “eligible” workers really are to receive this recognition, regardless of where they sit in the organization or their personal characteristics.
  • Inventory your company’s visible representatives: Do an audit of the images, endorsements, employee spotlights or other “informal shrines” on your websites and promotional material. Identify, from a diversity perspective, who is being celebrated and showcased, internally and externally, and equitably spread out your coverage.
  • Be honest about what you celebrate: While you’re at it, assess the hero stories around your organization. In my cultural exams of workplaces (through focus groups and surveys), I ask employees to share stories of heroism told around the organization. These casual, word of mouth stories might focus on the turnaround of a bleeding business unit or a bold move that won a major new client. Whatever the subject, whenever I ask, nine times out of ten, men are the protagonists. Employers need to uncover the narratives around their organizations, surface untold ones that tie to key values and then give under-recognized heroes a pedestal.
  • What are other ways this research can help us re-imagine the workplace? Let me know in the comments.


     


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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