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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Exam Number : ACP-100
Exam Name : Jira Administrator
Vendor Name : Atlassian
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Jira Administrators manage, customize, and configure Jira from within the Jira user interface. ACP Certification in Jira Administration covers the skills needed to optimize Jira for any development or business team.

- You have 2-3 years of experience administering Jira.
- You understand the specifics of Jira Server. (Cloud-specific material is no longer covered in the exam except at a high level when comparing Cloud, Server and Data Center to meet a company's needs.)
- You can interpret and translate business requirements to Jira.
- You can keep Jira healthy because you grasp how your choices affect Jira's performance, scalability, and day-to-day manageability.
- Youre a guru when it comes to workflows, schemes, and other features available through Jira.
- You know how to take advantage of Atlassian resources and community to help your team implement best practices within Jira.

Advanced User Features (5-10% of exam)
Given a business requirement, create, translate, critique, and optimize JQL queries.
Demonstrate the benefits and best practices for configuring group subscriptions.
Describe the results and implications of a bulk change operation.
Describe the pre-requisites for and the results of a CSV import.
Configuring Global Settings, Layout, Design, and User Communications (5-10% of exam)
Modify Jira configuration settings to match the organization's requirements (look and feel, logo, website links in the application navigator, default language).
Judge the appropriate content for the system dashboard, user/team dashboards, and filter columns for an organization.
Determine appropriate methods for communicating information to users.
Determine which global settings to modify to meet provided business requirements (attachment options, issue links, time tracking, subtasks, white list, general configuration).
Application and Project Access and Permissions (15-25% of
Determine the appropriate use of application access, groups, roles and permissions.
Identify and troubleshoot user settings, user profiles and permissions.
Given a scenario, recommend the appropriate configuration of user and project permissions, roles and group membership.
Given a scenario, determine the impact of deleting/deactivating a user/group.
Determine if and how issue-level security should be configured in a project.
General project configuration (10-15% of exam)
Describe the appropriate use of general project settings (key, category etc.).
Determine whether to modify an existing project, and/or create a new project to meet business requirements.
Determine whether to use an existing project template, and/or modify project schemes to meet business requirements.
Describe the appropriate use of components and versions.
Determine which project activities should be delegated to the project administrators.
Authentication and Security (5-10% of exam)
Evaluate the appropriate method of authentication and sign-up.
Determine the appropriate password policy to be applied.
Assess whether or not Jira is appropriately secured.
Issue types, fields and screens (10-20% of exam)
Given a scenario, identify and implement appropriate changes to built-in fields including statuses, resolutions, priorities, translations, and issue types.
Identify the appropriate issue type configurations to satisfy business requirements.
Given a scenario, determine the effects of modifying and restructuring active issue types and schemes.
Determine the correct configuration of a field, considering field context, field configuration (scheme) and screens (schemes).
Troubleshoot the correct configuration of a field, considering field context, field configuration (scheme) and Workflows (5-15% of exam)
Describe core workflow functionality (triggers, conditions, validators, postfunctions, events, properties) and map workflows to issue types.
Given business requirements, create new workflows and/or implement appropriate changes to existing workflows and schemes.
Given a scenario, troubleshoot workflow configurations.
Setting up Notifications and Email (5-10% of exam)
Determine an appropriate notification scheme/configuration including events.
Troubleshoot a notification scheme/configuration including events.
Identify and troubleshoot the appropriate configuration of an Incoming Mail Handler.
Jira Server Administration (10-15% of exam)
Recognize the benefits of having production and non-production instances.
Given a scenario, recommend whether or not to upgrade and determine the effects of roll-back.
Evaluate the need for re-indexing following a set of modifications, and explain the effects of re-indexing.
Troubleshoot application-level problems with Jira (logging and profiling) and escalate when appropriate.
Identify and troubleshoot the appropriate configuration of an outgoing email server.
Given a workflow, describe which attributes will and will not be imported/exported.
Given a scenario, assess the impact of user directory order and configuration.
Administering and Extending Jira (3-10% of exam)
Compare and contrast the different hosting options of Jira.
Demonstrate how to appropriately configure issue collectors.
Demonstrate how to appropriately use the features of the universal plug-in



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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