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 : AZ-303
Exam Name : Microsoft Azure Architect Technologies
Vendor Name : Microsoft
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AZ-303 exam Format | AZ-303 Course Contents | AZ-303 Course Outline | AZ-303 exam Syllabus | AZ-303 exam Objectives
EXAM NUMBER : AZ-303
EXAM NAME : Microsoft Azure Architect Technologies
Candidates for this exam should have subject matter expertise in designing and implementing solutions that run on Microsoft Azure, including aspects like compute, network, storage, and security. Candidates should have intermediate-level skills for administering Azure. Candidates should understand Azure development and DevOps processes.
Responsibilities for an Azure Solution Architect include advising stakeholders and translating business requirements into secure, scalable, and reliable cloud solutions.
An Azure Solution Architect partners with cloud administrators, cloud DBAs, and clients to implement solutions.
A candidate for this exam should have advanced experience and knowledge of IT operations, including networking, virtualization, identity, security, business continuity, disaster recovery, data platform, budgeting, and governance–this role should manage how decisions in each area affect an overall solution. In addition, this role should have expert-level skills in Azure administration and have experience with Azure development and DevOps processes.
- Implement and monitor an Azure infrastructure (50-55%)
- Implement management and security solutions (25-30%)
- Implement solutions for apps (10-15%)
- Implement and manage data platforms (10-15%)
Implement and Monitor an Azure Infrastructure (50-55%)
Implement cloud infrastructure monitoring
monitor security
monitor performance
monitor health and availability
monitor cost
configure advanced logging
configure logging for workloads initiate automated responses by using Action Groups
configure and manage advanced alerts Implement storage accounts
select storage account options based on a use case
configure Azure Files and blob storage
configure network access to the storage account
implement Shared Access Signatures and access policies
implement Azure AD authentication for storage
manage access keys
implement Azure storage replication
implement Azure storage account failover
Implement VMs for Windows and Linux
configure High Availability
configure storage for VMs
select virtual machine size
implement Azure Dedicated Hosts
deploy and configure scale sets
configure Azure Disk Encryption
Automate deployment and configuration of resources
save a deployment as an Azure Resource Manager template
modify Azure Resource Manager template
evaluate location of new resources
configure a virtual disk template
deploy from a template
manage a template library
create and execute an automation runbook
Implement virtual networking
implement VNet to VNet connections
implement VNet peering
Implement Azure Active Directory
add custom domains
configure Azure AD Identity Protection
implement self-service password reset
implement Conditional Access including MFA
configure user accounts for MFA
configure fraud alerts
configure bypass options
configure Trusted IPs
configure verification methods
implement and manage guest accounts
manage multiple directories
Implement and manage hybrid identities
install and configure Azure AD Connect
identity synchronization options
configure and manage password sync and password writeback
configure single sign-on
use Azure AD Connect Health
Implement Management and Security Solutions (25-30%)
Manage workloads in Azure
migrate workloads using Azure Migrate
implement Azure Backup for VMs
implement disaster recovery
implement Azure Update Management
Implement load balancing and network security
implement Azure Load Balancer
implement an application gateway
implement a Web Application Firewall
implement Azure Firewall
implement Azure Firewall Manager
implement the Azure Front Door Service
implement Azure Traffic Manager
implement Network Security Groups and Application Security Groups
implement Bastion
Implement and manage Azure governance solutions
create and manage hierarchical structure that contains management groups,subscriptions and resource groups
assign RBAC roles
create a custom RBAC role
configure access to Azure resources by assigning roles
configure management access to Azure
interpret effective permissions
set up and perform an access review
implement and configure an Azure Policy
implement and configure an Azure Blueprint
Manage security for applications
implement and configure KeyVault
implement and configure Managed Identities
register and manage applications in Azure AD
Implement Solutions for Apps (10-15%)
Implement an application infrastructure
create and configure Azure App Service
create an App Service Web App for Containers
create and configure an App Service plan
configure an App Service
configure networking for an App Service
create and manage deployment slots
implement Logic Apps
implement Azure Functions
Implement container-based applications
create a container image
configure Azure Kubernetes Service
publish and automate image deployment to the Azure Container Registry
publish a solution on an Azure Container Instance
Implement and Manage Data Platforms (10-15%)
Implement NoSQL databases
configure storage account tables
select appropriate CosmosDB APIs
set up replicas in CosmosDB
Implement Azure SQL databases
configure Azure SQL database settings
implement Azure SQL Database managed instances
configure HA for an Azure SQL database
publish an Azure SQL database
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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