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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APA APA-CPP-Remote : CPP-Remote Certified Payroll Professional exam Dumps

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Exam Number : APA-CPP-Remote
Exam Name : CPP-Remote Certified Payroll Professional
Vendor Name : APA
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APA-CPP-Remote exam Format | APA-CPP-Remote Course Contents | APA-CPP-Remote Course Outline | APA-CPP-Remote exam Syllabus | APA-CPP-Remote exam Objectives

Title: CPP-Remote Certified Payroll Professional (APA APA-CPP-Remote)

Test Detail:
The CPP-Remote Certified Payroll Professional is a designation offered by the American Payroll Association (APA). It is designed to validate the knowledge and skills of payroll professionals in the areas of payroll administration, compliance, and best practices. The certification demonstrates expertise in payroll processing, payroll systems, tax and legal considerations, and payroll management.

Course Outline:
The CPP-Remote certification program covers a comprehensive range of courses related to payroll administration. The course provides participants with a solid foundation in payroll principles, regulations, and practices. The following is a general outline of the key areas covered in the CPP-Remote certification program:

1. Payroll Core Concepts:
- Understanding payroll fundamentals
- Roles and responsibilities of a payroll professional
- Employment and labor laws
- Fair Labor Standards Act (FLSA)
- Wage and hour regulations

2. Payroll Calculation and Processing:
- Calculating gross pay
- Deductions and exemptions
- Overtime calculations
- Payroll adjustments and corrections
- Payroll accounting and reporting

3. Payroll Systems and Technology:
- Payroll software and technology solutions
- Time and attendance systems
- Payroll data management and security
- Integrating payroll with other HR systems
- Reporting and analytics

4. Tax and Legal Considerations:
- Federal and state tax withholding
- Social Security, Medicare, and FUTA taxes
- Form W-2 and year-end reporting
- Compliance with tax laws and regulations
- Payroll audits and penalties

5. Payroll Management and Administration:
- Payroll policies and procedures
- Recordkeeping and documentation
- Payroll audits and controls
- Employee benefits and deductions
- Garnishments and wage assignments

Exam Objectives:
The CPP-Remote certification exam assesses candidates' understanding of the course courses and their ability to apply payroll knowledge to real-world scenarios. The exam objectives include, but are not limited to:

1. Demonstrating knowledge of payroll principles, regulations, and compliance requirements.
2. Applying accurate payroll calculations, including gross pay, deductions, and overtime.
3. Understanding payroll systems, technology, and integration with other HR systems.
4. Complying with tax laws and regulations, including tax withholding and reporting.
5. Implementing effective payroll management practices, policies, and controls.
6. Ensuring data security and confidentiality in payroll operations.
7. Analyzing and interpreting payroll reports and conducting payroll audits.

Syllabus:
The CPP-Remote certification program typically spans several weeks or months, depending on the delivery format and schedule. The syllabus provides a breakdown of the courses covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to Payroll Principles and Practices
- Payroll Core Concepts and Legal Considerations
- Payroll Calculation and Processing
- Payroll Systems and Technology
- Tax Compliance and Reporting
- Payroll Management and Administration
- Review and Practice Sessions
- Mock Exams and exam Preparation
- Final CPP-Remote Certification Exam

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APA CPP-Remote teaching

IT Resources for remote teaching & working

Technology options for working remotely

This page provides information on the technology options available to faculty, staff, and students that may enable the business of the university to continue online to the best of its ability.

Go to the Calvin Keep Teaching and Working site for helpful resources and details on the Keep-Teaching workshops.

Bookmark and check this page often for new updates from CIT on this rapidly changing situation.

Teaching Consultations

The Teaching and Learning Center (TLC) offers individual consultations to anyone teaching at Drexel University. Consultations are an opportunity to discuss course or assignment design, solve teaching problems, or try new innovations in the classroom. Each hour-long consultation is focused on the instructor’s needs, allowing targeted approaches to address the specific teaching context and goals.

All consultations are strictly confidential. The TLC does not disclose any information from consultations unless it is requested by the instructor. The TLC does not write letters of support for reappointment, promotion, or tenure, but faculty can request documentation of participation in consultations, workshops, or programs to use as they see fit.

Click the “Schedule a Consultation” button and the Teaching and Learning Center appointment calendar will open in a new window. Select one of the teaching consultants listed on the page and the dates they are available for appointments will appear on the calendar. Click on your preferred meeting date and their available meeting times will appear to the right of the calendar. Click on your preferred meeting time and then click continue. Add your details to the scheduling form and click “Confirm Appointment.”

Man sentenced to 11 years for sexual assault of girl during remote-learning class

A judge has sentenced a Chicago man to 11 years in prison for sexually assaulting a 7-year-old female relative in an act witnessed in an online forum used for remote teaching

ByThe Associated Press

August 16, 2023, 6:43 PM

This booking photo provided by the Cook County, Ill., Sheriff's Office shows Catrell Walls. On Wednesday, Aug. 16, 2023, a judge sentenced the Chicago man to 11 years in prison for sexually assaulting a 7-year-old female relative in an act witnessed in an online forum used for remote teaching. Walls pleaded guilty to a felony sexual assault charge for the Oct. 15, 2020, attack. (Cook County Sheriff's Office via AP)

The Associated Press

CHICAGO -- A judge Wednesday sentenced a Chicago man to 11 years in prison for sexually assaulting a 7-year-old female relative in an act witnessed in an online forum used for remote teaching.

Catrell Walls, 21, pleaded guilty to a felony sexual assault charge for the Oct. 15, 2020, attack. As part of a plea agreement, prosecutors dropped two other felony counts and an unrelated weapons case, the Chicago Tribune reported.

The assault took place at a home from which the girl was participating in class remotely during the COVID-19 pandemic, prosecutors said. During a break, the teacher asked students to mute themselves and turn off their cameras. The girl muted herself, but she did not turn off the camera, and the teacher witnessed the assault, prosecutors said.

The teacher contacted the school’s principal, who called the girl’s family, Chicago police and the Illinois Department of Children and Family Services, prosecutors said.

When the girl’s father, the principal and the school’s chief executive officer went to the South Side home to ask her what happened, she told the principal about the assault and said it had happened before, prosecutors said. Walls was then arrested. The girl was treated at a hospital.

Walls has been diagnosed with attention deficit hyperactivity disorder, which impairs his ability to control his impulses, an attorney for him said at the time of his arrest.

Authorities did not say how Walls and the girl were related.

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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