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 : C90.06
Exam Name : Cloud Architecture Lab 2024
Vendor Name : SOA
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C90.06 test Format | C90.06 Course Contents | C90.06 Course Outline | C90.06 test Syllabus | C90.06 test Objectives


Exam: C90.06 Cloud Architecture Lab

Exam Details:
- Number of Questions: The C90.06 test is a lab-based test that focuses on practical skills and hands-on tasks rather than traditional multiple-choice questions.
- Time: The test duration varies depending on the specific lab scenario, but it typically ranges from 4 to 8 hours.

Course Outline:
The C90.06 SOA Cloud Architecture Lab test is designed to assess a candidate's ability to apply cloud computing concepts, principles, and practices in real-world scenarios. The test requires candidates to complete a series of hands-on lab exercises that simulate various cloud architecture tasks and challenges. While the specific lab scenarios may vary, the test typically covers the following topics:

- Fundamental Cloud Computing Terminology and Concepts
- Basics of Virtualization
- Specific Characteristics that Define a Cloud
- Understanding Elasticity, Resiliency, On-Demand and Measured Usage
- Benefits, Challenges and Risks of Contemporary Cloud Computing Platforms and Cloud Services
- Cloud Resource Administrator and Cloud Service Owner Roles
- Cloud Service and Cloud Service Consumer Roles
- Understanding the Software as a Service (SaaS) Cloud Delivery Model
- Understanding the Platform as a Service (PaaS) Cloud Delivery Model
- Understanding the Infrastructure as a Service (IaaS) Cloud Delivery Model
- Combining Cloud Delivery Models
- Public Cloud, Private Cloud, Hybrid Cloud and Community Cloud Deployment Models
- Business Cost Metrics and Formulas for Comparing and Calculating Cloud and On-Premise Solution Costs
- Formulas for Calculating and Rating SLA Quality of Service Characteristics

- Cloud Computing Mechanisms that Establish Architectural Building Blocks
- Virtual Servers, Containers, Ready-Made Environments, Failover Systems and Pay-Per-Use Monitors
- Automated Scaling Listeners, Multi-Device Brokers and Resource Replication
- Understanding How Individual Cloud Computing Mechanisms Support Cloud Characteristics
- An Introduction to Containerization, Container Hosting and Logical Pod Containers
- A Comparison of Containerization and Virtualization
- Cloud Balancing and Cloud Bursting Architectures
- Common Risks, Threats and Vulnerabilities of Cloud-based Services and Cloud-hosted Solutions
- Cloud Security Mechanisms used to Counter Threats and Attacks
- Understanding Cloud-Based Security Groups and Hardened Virtual Server Images
- Cloud Service Implementation Mediums (including Web Services and REST Services)
- Cloud Storage Benefits and Challenges, Cloud Storage Services, Technologies and Approaches
- Non-Relational (NoSQL) Storage Compared to Relational Storage
- Cloud Service Testing Considerations and Testing Types
- Service Grids and Autonomic Computing
- Cloud Computing Industry Standards Organizations

- Understanding the Technology Architecture of Private Clouds and Public Clouds
- Understanding the Technology Architecture of SaaS, PaaS and IaaS Environments
- Automated Administration and Centralized Remote Administration
- Container Sidecars and Container Chains
- Self-Provisioning and Platform Provisioning
- Rich Containers and Logical Pod Containers
- Bare-Metal Provisioning and Resource Management
- Single-Node Multi-Containers and Multipath Resource Access
- Usage Monitoring and Broad Access
- Realtime Resource Availability and Pay-as-You-Go
- Shared Resources and Resource Pooling
- Rapid Provisioning and Resource Reservation
- Non-Disruptive Service Relocation and Service State Management
- Workload Distribution and Dynamic Scalability

- Understanding the Technology Architecture of Elastic, Resilient, Multitenant and Containerized Environments
- Elastic Resource Capacity and Elastic Network Capacity
- Multi-Container Isolation Control and Volatile Container Configuration
- Serverless Deployment and Elastic Disk Provisioning
- Leader Node Election and Micro Scatter-Gather
- Hypervisor Clustering and Redundant Storage
- Storage Service Gateway and Live Storage Migration
- LUN Storage and LUN Migration
- Dynamic Failure Detection and Recovery and Zero Downtime
- Service Load Balancing and Load Balanced Virtual Server Instances
- Load Balanced Virtual Switches and Persistent Virtual Network Configurations
- Dynamic Data Normalization and Synchronized Operating State
- Intra-Storage Device Vertical Tiering and Cross-Storage Device Vertical Tiering
- Storage Workload Management and Storage Maintenance Window
- Direct I/O Access and Direct LUN Access
- Redundant Physical Connection for Virtual Servers
- Cloud Bursting, including Burst In and Burst Out to Private/Public Clouds
- Cloud Balancing

- Case Study Background XIT
- IaaS Environment Setup
- IaaS Architecture Customization
- Cloud Characteristics
- Case Study Background Sport Blips
- High-Performance Cloud Architecture
- Performance Optimization
- Cloud Characteristics
- High-Connectivity Cloud Architecture

Exam Syllabus:
The specific lab scenarios and tasks in the C90.06 test are not publicly available. However, candidates can expect to encounter challenges and tasks that require them to demonstrate their knowledge and skills in cloud architecture design, deployment, and management. The test may involve scenarios related to infrastructure design, application integration, data management, migration planning, and hybrid cloud architectures.

It is important for candidates to review the official test guide and practice with hands-on exercises and lab simulations to prepare for the test effectively. Additionally, referring to relevant cloud architecture and best practices documentation, industry whitepapers, and case studies can further enhance the candidate's understanding and readiness for the exam.



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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