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 : ACSCE-5X
Exam Name : Alfresco Content Services Certified Engineer (ACSCE)
Vendor Name : Alfresco
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ACSCE-5X test Format | ACSCE-5X Course Contents | ACSCE-5X Course Outline | ACSCE-5X test Syllabus | ACSCE-5X test Objectives
This test contains 60 questions.
You will have 75 minutes to provide, review and submit your answers for exam.
You may mark any question for later review by selecting the “Mark this item for later review”
checkbox in the bottom left-hand corner of the screen. You will have the opportunity to review all
your answers before the test is submitted for exam.
A grade of 70% is required to pass the test and achieve certification.
Upon submission of the exam, you will be immediately notified of whether you have passed or failed.
If you pass, your results, certificate and logo will be included in your completion email. This will be
sent to the e-mail address you registered with. If you do not receive this email, please check your
junk email folder prior to contacting Alfresco.
If you fail, your test results will be sent to the e-mail address you registered with. This email will
include subject results which you can use to target your studies if you wish to retake the test at a later
date.
Exam Format
The question formats used in the examination may be one or more of the following:
• Multiple Choice – Select one option which answers the question or completes a statement.
• Multiple Response – Select multiple options which answer the question or complete a statement. The question will indicate how many responses are required.
• Scenario – Read the statement or question and then select the option(s) that answer the question or statement given the information that has been provided.
The test is based upon demonstrating competency in the activities that an Alfresco Content Services Engineer would be expected to perform on a regular basis.
• Understand the Alfresco Content Services Architecture
• Understand the Alfresco Repository Subsystems
• Develop Content Models
• Package and deploy extensions and modules for Alfresco Content Services
• Configure and develop extensions for the Alfresco Share UI
• Develop applications and services using the Alfresco APIs
• Extend the Alfresco Content Services REST API using Web Scripts
• Develop workflows and task models for Alfresco Content Services
• Integrate with external applications using the REST API and protocols such as CMIS
Topic Areas
The following subject areas will be tested on the Alfresco Content Services Certified Engineer exam:
• Architectural Core (5 questions)
o Database
o Repository
o Security & Authentication
o Solr
o Subsystems
• Repository Customization (20 questions)
o Content Modelling
o Extension Classpath
o Packaging Extensions
o Event Model (Behaviours, Policies)
o Rules & Actions
o Transformations & Extractions
o Embedded Workflows
• User Interface Customization (10 questions)
o Aikau
o Share Configuration
o Share Customization
• Alfresco API Interface (20 questions)
o REST API
o Foundation Services API
o JavaScript API
o CMIS
• Web Scripts (5 questions)
o Web Scripts Framework
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Exam ScheduleFour-day ClassesExams for subjects which have meetings in both the Monday/Wednesday/Friday (MWF) and Tuesday/Thursday (TT) sequences should be scheduled according to the sequence in which they have the greater number of times. If a class meets an equal number of times in each sequence, the examination should be scheduled according to the sequence which shows an earlier date or time in the examination schedule. i.e., for MTWF or MWTHF courses, refer to the MWF examination time. For MTWTH of MTTHF courses, find both the MWF test time and the TT test time—your test is scheduled for whichever date/time is earlier. Common test TimesAll sections of Accounting 203 and 204 as well as all sections of Mathematics 171, 172, and 271have a common test on Monday, December 11, 9:00 a.m. Half-Semester CoursesExams for undergraduate courses meeting during the first half of the semester will bescheduled on the last day of class. Exams for undergraduate courses meeting during thesecond half of the semester will be scheduled according to the test schedule above. Labs and Combination Lecture/Lab CoursesExams for labs, if given, should be administered during the final lab period. Exams forcombination lecture/lab classes should be administered according to the test schedule above. One-credit PER and MUSC CoursesExams for one-credit PER and MUSC courses, if given, will typically be scheduled for the finalclass period. Graduate CoursesGraduate courses will typically follow the full eight-week schedule, with the test on the finalday of class. The Key Success Factors in Financial ServicesNancy Wagner is a marketing strategist and speaker who started writing in 1998. She writes business plans for startups and established companies and teaches marketing and promotional tactics at local workshops. Wagner's business and marketing articles have appeared in "Home Business Journal," "Nation’s Business," "Emerging Business" and "The Mortgage Press," among others. She holds a B.S. from Eastern Illinois University. Final test ScheduleBoston College has different schedules for Undergraduate and Graduate courses as follows: Undergraduate Course ExamsUndergraduate Courses Exams either have a standard test or a common exam. Standard exams: Undergraduate classes that meet in time slots starting between 8:00 a.m. to 4:30 p.m. NOTE: some undergraduate courses with multiple sections may have a Common Exam; please review the Common test tab for those courses to which this type of test applies. In situations where the class meeting time falls halfway between two time slots, use the corresponding test time slot for the later time slot. For example, a class meeting MW starting at 8:30 should use the MWF 9 meeting time slot to determine the corresponding test time. Common Exams: some undergraduate courses with multiple class sections; these are grouped together to provide ease in the administration of the exams. Review the Common test tab for those courses to which this type of test applies. Graduate Course ExamsGraduate Courses Exams: meets on the same day of the week on which the class meets during the semester and follows this grid on the Graduate Courses Exams tab. All ExamsStudents should check their final test schedule at bc.edu/myservices as the end of the semester approaches to confirm the time and room assignments for each of their exams. Instructors should check their final test schedule at bc.edu/myservices as the end of the semester approaches to confirm the time and room assignments for each of their exams. If your test day/time/location does not appear on your list of exams in your Portal as expected, notify your Department Administrator immediately so it may be scheduled. NOTE: exams usually occur in the classroom in which the course is taught, but there may be exceptions. Please check the test room assignment as your test approaches. |
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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