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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712-50 exam Format | 712-50 Course Contents | 712-50 Course Outline | 712-50 exam Syllabus | 712-50 exam Objectives
Exam Name EC-Council Certified Chief Information Security Officer (CCISO)
Exam Code 712-50
Duration 150 mins
Number of Questions 150
Passing Score 72%
Governance and Risk Management
1. Define- Implement- Manage- and Maintain an Information Security Governance Program
- Form of Business Organization
- Industry
- Organizational Maturity
2. Information Security Drivers
3. Establishing an information security management structure
- Organizational Structure
- Where does the CISO fit within the organizational structure
- The Executive CISO
- Nonexecutive CISO
4. Laws/Regulations/Standards as drivers of Organizational Policy/Standards/Procedures
5. Managing an enterprise information security compliance program
- Security Policy
Necessity of a Security Policy
Security Policy Challenges
- Policy Content
Types of Policies
Policy Implementation
- Reporting Structure
- Standards and best practices
- Leadership and Ethics
- EC-Council Code of Ethics
6. Introduction to Risk Management
- Organizational Structure
- Where does the CISO fit within the organizational structure
- The Executive CISO
- Nonexecutive CISO
Information Security Controls- Compliance- and Audit Management
1. Information Security Controls
- Identifying the Organizations Information Security Needs
Identifying the Optimum Information Security Framework
Designing Security Controls
Control Lifecycle Management
Control Classification
Control Selection and Implementation
Control Catalog
Control Maturity
Monitoring Security Controls
Remediating Control Deficiencies
Maintaining Security Controls
Reporting Controls
Information Security Service Catalog
2. Compliance Management
- Acts- Laws- and Statutes
FISMA
- Regulations
GDPR
- Standards
ASD - Information Security Manual
Basel III
FFIEC
ISO 00 Family of Standards
NERC-CIP
PCI DSS
NIST Special Publications
Statement on Standards for Attestation Engagements No. 16 (SSAE 16)
3. Guidelines- Good and Best Practices
- CIS
OWASP
4. Audit Management
- Audit Expectations and Outcomes
- IS Audit Practices
ISO/IEC Audit Guidance
Internal versus External Audits
Partnering with the Audit Organization
Audit Process
General Audit Standards
Compliance-Based Audits
Risk-Based Audits
Managing and Protecting Audit Documentation
Performing an Audit
Evaluating Audit Results and Report
Remediating Audit Findings
Leverage GRC Software to Support Audits
5. Summary
Security Program Management & Operations
1. Program Management
- Defining a Security Charter- Objectives- Requirements- Stakeholders- and Strategies
Security Program Charter
Security Program Objectives
Security Program Requirements
Security Program Stakeholders
Security Program Strategy Development
- Executing an Information Security Program
- Defining and Developing- Managing and Monitoring the Information Security Program
Defining an Information Security Program Budget
Developing an Information Security Program Budget
Managing an Information Security Program Budget
Monitoring an Information Security Program Budget
- Defining and Developing Information Security Program Staffing Requirements
- Managing the People of a Security Program
Resolving Personnel and Teamwork Issues
Managing Training and Certification of Security Team Members
Clearly Defined Career Pat
Designing and Implementing a User Awareness Program
- Managing the Architecture and Roadmap of the Security Program
Information Security Program Architecture
Information Security Program Roadmap
- Program Management and Governance
Understanding Project Management Practices
Identifying and Managing Project Stakeholders
Measuring the Effectives of Projects
- Business Continuity Management (BCM) and Disaster Recovery Planning (DRP)
- Data Backup and Recovery
- Backup Strategy
- ISO BCM Standards
Business Continuity Management (BCM)
Disaster Recovery Planning (DRP)
- Continuity of Security Operations
Integrating the Confidentiality- Integrity and Availability (CIA) Model
- BCM Plan Testing
- DRP Testing
- Computer Incident Response
Incident Response Tools
Incident Response ManagementIncident Response Communications
Post-Incident Analysis
Testing Incident Response Procedures
- Digital Forensics
Crisis Management
Digital Forensics Life Cycle
2. Operations Management
- Establishing and Operating a Security Operations (SecOps) Capability
- Security Monitoring and Security Information and Event Management (SIEM)
- Event Management
- Incident Response Model
Developing Specific Incident Response Scenarios
- Threat Management
- Threat Intelligence
Information Sharing and Analysis Centers (ISAC)
- Vulnerability ManagementThreat Hunting
Vulnerability Assessments
Vulnerability Management in Practice
Penetration Testing
Security Testing Teams
Remediation
3. Summary
Information Security Core Competencies
1. Access Control
- Authentication- Authorization- and Auditing
- Authentication
- Authorization
- Auditing
- User Access Control Restrictions
- User Access Behavior Management
- Types of Access Control Models
- Designing an Access Control Plan
- Access Administration
2. Physical Security
- Designing- Implementing- and Managing Physical Security Program
Physical Risk Assessment
- Physical Location Considerations
- Obstacles and Prevention
- Secure Facility Design
Security Operations Center
Sensitive Compartmented Information Facility
Digital Forensics Lab
Datacenter
- Preparing for Physical Security Audits
3. Network Security
- Network Security Assessments and Planning
- Network Security Architecture Challenges
- Network Security Design
- Network Standards- Protocols- and Controls
Network Security Standards
Protocols
4. Certified Chief
- Network Security Controls
- Wireless (Wi-Fi) Security
Wireless Risks
Wireless Controls
- Voice over IP Security
5. Endpoint Protection
- Endpoint Threats
- Endpoint Vulnerabilities
- End User Security Awareness
- Endpoint Device Hardening
- Endpoint Device Logging
- Mobile Device Security
Mobile Device Risks
Mobile Device Security Controls
- Internet of Things Security (IoT)
Internet of Things Security (IoT)
6. Application Security
- Secure SDLC Model
- Separation of Development- Test- and Production Environments
- Application Security Testing Approaches
- DevSecOps
- Waterfall Methodology and Security
- Agile Methodology and Security
- Other Application Development Approaches
- Application Hardening
- Application Security Technologies
- Version Control and Patch Management
- Database Security
- Database Hardening
- Secure Coding Practices
7. Encryption Technologies
- Encryption and Decryption
- Cryptosystems
Blockchain
Digital Signatures and Certificates
PKI
Key Management
- Hashing
- Encryption Algorithms
- Encryption Strategy Development
Determining Critical Data Location and Type
Deciding What to Encrypt
Determining Encryption Requirements
Selecting- Integrating- and Managing Encryption Technologies
8. Virtualization Security
- Virtualization Overview
- Virtualization Risks
- Virtualization Security Concerns
- Virtualization Security Controls
- Virtualization Security Reference Model
9. Cloud Computing Security
- Overview of Cloud Computing
- Security and Resiliency Cloud Services
- Cloud Security Concerns
- Cloud Security Controls
- Cloud Computing Protection Considerations
10. Transformative Technologies
- Artificial Intelligence
- Augmented Reality
- Autonomous SOC
- Dynamic Deception
- Software-Defined Cybersecurity
11. Summary
Strategic Planning- Finance- Procurement- and Vendor Management
1. Strategic Planning
- Understanding the Organization
Understanding the Business Structure
Determining and Aligning Business and Information Security Goals
Identifying Key Sponsors- Stakeholders- and Influencers
Understanding Organizational Financials
- Creating an Information Security Strategic Plan
Strategic Planning Basics
Alignment to Organizational Strategy and Goals
Defining Tactical Short- Medium- and Long-Term Information Security Goals
Information Security Strategy Communication
Creating a Culture of Security
2. Designing- Developing- and Maintaining an Enterprise Information Security Program
- Ensuring a Sound Program Foundation
- Architectural Views
- Creating Measurements and Metrics
- Balanced Scorecard
- Continuous Monitoring and Reporting Outcomes
- Continuous Improvement
- Information Technology Infrastructure Library (ITIL) Continual Service Improvement (
CSI)
3. Understanding the Enterprise Architecture (EA)
- EA Types
The Zachman Framework
The Open Group Architecture Framework (TOGAF)
Sherwood Applied Business Security Architecture (SABSA)
Federal Enterprise Architecture Framework (FEAF)
4. Finance
- Understanding Security Program Funding
- Analyzing- Forecasting- and Developing a Security Budget
Resource Requirements
Define Financial Metrics
Technology Refresh
New Project Funding
Contingency Funding
- Managing the information Security Budget
Obtain Financial Resources
Allocate Financial Resources
Monitor and Oversight of Information Security Budget
Report Metrics to Sponsors and Stakeholders
Balancing the Information Security Budget
5. Procurement
- Procurement Program Terms and Concepts
Statement of Objectives (SOO)
Statement of Work (SOW)
Total Cost of Ownership (TCO)
Request for Information (RFI)
Request for Proposal (RFP)
Master Service Agreement (MSA)
Service Level Agreement (SLA)
Terms and Conditions (T&C)
- Understanding the Organizations Procurement Program
Internal Policies- Processes- and Requirements
External or Regulatory Requirements
Local Versus Global Requirements
- Procurement Risk Management
Standard Contract Language
6. Vendor Management
- Understanding the Organizations Acquisition Policies and Procedures
Procurement Life cycle
- Applying Cost-Benefit Analysis (CBA) During the Procurement Process5
- Vendor Management Policies
- Contract Administration Policies
Service and Contract Delivery Metrics
Contract Delivery Reporting
Change Requests
Contract Renewal
Contract Closure
- Delivery Assurance
Validation of Meeting Contractual Requirements
Formal Delivery Audits
Periodic Random Delivery Audits
Third-Party Attestation Services (TPRM)
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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
