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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MBA in Project Management Online

Register By: February 24 Classes Start: February 26

MBA in Project Management Program Overview

Meet the growing demand for project leaders and couple your MBA with a project management concentration with the Master of Business Administration in Project Management from Southern New Hampshire University. Learn what it takes to plan, monitor, measure and adapt a project from start to finish, and enroll in a rigorous MBA program that fits right into your life.

A project manager's job is to keep projects and people on track, and the field of project management is growing as more companies move to project team-based business models. Their MBA is all about understanding and optimizing the functions of a business. The project management MBA builds a strong foundation of management skills, and you can apply these skills to leadership roles across a variety of industries, including construction, healthcare, IT development, manufacturing and more.

Students in this program have the opportunity to take QSO-645: Project Management for PMP® Certification, which upon successful completion awards them the 35 hours of project management education required to sit for the Project Management Professional® (PMP) certification exam. It's important to note that instructors of this course have completed the PMI® Authorized Training Partner Train the Trainer – PMP's exam prep program. This program equips SNHU faculty with the authority to deliver PMP exam prep and training content to PMI’s quality standards.

SNHU’s MBA in Project Management is one of the most affordable MBAs in the nation and can be completed in just over a year.

Career Outlook

With an MBA in Project Management online from SNHU, you can develop the skills and experience you need to capitalize on the growing demand for qualified project managers.

PMI® expects the number of project management jobs to skyrocket: It cites that the global economy will need 25 million new project professionals by 2030.1 Earning potential for project management workers is also strong – particularly for workers with the PMP certification. A 2021 PMI survey found that PMP-certified workers earned 32% more than those without certification.1

However, job growth and earning potential for project management careers will vary depending on the career you pursue with your project management MBA.

Understanding the Numbers When reviewing job growth and salary information, it’s important to remember that genuine numbers can vary due to many different factors — like years of experience in the role, industry of employment, geographic location, worker skill and economic conditions. Cited projections do not guarantee genuine salary or job growth.

Gina Cravedi with text Gina Cravedi

The project management MBA offers a unique mix of project management skills and broad-based business knowledge that can help you stand out in this growing field.

“This degree will not only prepare you to carry a project management certification but it provides you the business acumen to put those project skills to work with any industry and any project model environment,” said Gina Cravedi '18, SNHU’s director of student experience operations, an MBA graduate and certified Project Management Professional (PMP).

Not sure you want to work as a project manager? The skills gained in a project management MBA can help you develop key leadership and career skills that enhance any business management position.

Earning an MBA in Project Management gave Dara Edge '15 new tools to support her career. During her time as a social media community manager, Edge managed engagement on her employer's social media channels and worked with teams from across the organization to analyze community engagement data.

Edge said her MBA program helped develop the strong critical analysis and communication skills needed for this role.

What SNHU Students Are Saying

Dara EdgeDara Edge '15

“You have the ability to use the degree in so many different ways — whether you want to work in the project management field, work in management, or if you want to learn how to manage projects in general. You’ll always be able to use the skills and knowledge that you’ll learn in the program.”

Courses & Curriculum

The MBA in Project Management online combines theory with practical application. You can graduate with a set of tools that complement today's tech-intensive workplace.

In the updated curriculum, you'll engage in scenario-based learning opportunities, allowing you to complete activities and individually graded group work based on solving real-world business problems. This type of learning offers hands-on learning experience in your online classroom that mimics real-world work settings and challenges.

Taught by professors with many years of business experience, your courses will focus on how to lead a project from start to finish – smoothly. You’ll learn how to define the scope of a project, develop a project timeline, and identify costs and resources.

Project management learning will be supported by the MBA core curriculum, which focuses on all aspects of business leadership, including:

  • Building Business Leaders
  • Applied Business Statistics
  • Leading People and Organizations
  • Optimizing Brands
  • Leading Organizational Change
  • And more
  • Your project management degree courses will focus on the tools, processes and strategies used to successfully hit the goals of any big project.

    You’ll learn how factors like scope, time, cost, quality, risk, resources and communication impact a project. You can apply this learning to real-world case studies to gain key decision-making experience. And you’ll get hands-on practice using manual and technology-based tools to start, plan and control projects.

    In SNHU's MBA program, you can take advantage of benefits like:

  • Embedded credentials from external partners, which give you the option to enhance your learnings and overall marketability in the field. These include learning tools such as Power BI, MS Excel and Tableau, as well as enhancement of soft skills such as human intelligence and strategy implementation.
  • Fluid learning paths, which offer more flexibility in due dates as well as learning across modules with interconnected themes to draw relationships between business principles.
  • Group work, featuring collaborative work and discussions with classmates – with individual contributions and grades.
  • Multimedia, including animations for complex topics, videos featuring industry leaders sharing business insights and video communication tools.
  • Scenario-based learning, where you'll practice and problem-solve within real-world business scenarios – and your instructors act as mentors.
  • Timely resources, featuring relevant resource material from leading professional organizations and publications.
  • If you’re interested in seeking the PMP certification, you have the option to take QSO-645: Project Management for PMP Certification as part of your MBA program. In this course, you'll explore the professional and social responsibilities of project management. You can also get a deeper understanding of the tools and techniques you can use to plan and manage projects.

    This course satisfies the education requirement of 35 hours needed to take the PMP exam. It does not guarantee certification or passage of the certification exam, but does get you closer to earning this key credential. You must meet all other PMP requirements, including work experience hours, in order to sit for the exam.

    No matter what your goals are, an MBA in Project Management offers key leadership and career skills you can use to be successful as a project manager or business leader. These skills include:

  • Communication. Communicate effectively between internal team members, clients and vendors.
  • Critical thinking. Know how to ask questions, solve problems and make decisions.
  • Leadership. Be an active leader and coach for members of your project team to keep projects running smoothly.
  • Organization. Plan and monitor project timelines to keep projects on track.
  • As an add-on to your degree with minimal additional courses required, MBA students can also pursue a graduate certificate beyond the standard degree program, including a project management graduate certificate. This allows you to list another significant credential on your resume with minimal additional coursework.

    Don't have a business background? No problem. Their MBA is accessible to everyone. Interested students must have a conferred undergraduate degree for acceptance, but it can be in any field. Those without an undergraduate degree in business or a related field may be asked to complete up to 2 foundation courses to get started. These foundations cover essential business skill sets and can be used to satisfy elective requirements for the general-track MBA. With foundations, the maximum length of your online MBA would be 36 credits.

    Attend full time or part time. Students in the MBA have the option to enroll full time (at 2 classes per term) or part time (with 1 class per term). Full-time students should be able to complete the program in about 1 year, while part-time students could finish in about 2 years. Their SNHU students are busy, often juggling jobs, family and other obligations, so you may want to work with your academic advisor to identify the course plan that works for you. The good news is, you can switch from full time to part time and back again as often as you want.

    Tuition & Fees

    Tuition rates for SNHU's online degree programs are among the lowest in the nation. They offer a 25% tuition discount for U.S. service members, both full and part time, and the spouses of those on active duty.

    Online Graduate Programs Per Course Per Credit Hour Annual Cost for 15 credits  Degree/Certificates $1,911 $637 $9,555  Degree/Certificates(U.S. service members, both full and part time, and the spouses of those on active duty)* $1,410 $470 $7,050 

    Tuition rates are subject to change and are reviewed annually.*Note: students receiving this rate are not eligible for additional discounts.

    Additional Costs:Course Materials ($ varies by course). Foundational courses may be required based on your undergraduate course history, which may result in additional cost.

    Licensure and Certification Disclosures

    SNHU has provided additional information for programs that educationally prepare students for professional licensure or certification. Learn more about what that means for your program on their licensure and certification disclosure page.

    The Project Management Professional (PMP) is a registered mark of the Project Management Institute, Inc.

    The PMI Authorized Training Partner seal is a mark of the Project Management Institute, Inc.


    Best Learning Management Systems (LMS) Of 2024

    Docebo is one of the best learning management systems for corporations, thanks to features such as social learning, Salesforce integration, mobile learning, e-commerce, free extensions, custom domains and artificial intelligence. Its more than 400 integrations include Adobe Connect, Confluence, Dropbox, Evernote, Facebook, G2, GitHub, Google Analytics, PayPal, Stripe, Trello and WordPress.

    Who should use it:

    Businesses that need social learning features will appreciate Docebo.


     


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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