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 : C9560-510
Exam Name : IBM Tivoli Monitoring V6.3 Administration
Vendor Name : IBM
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Exam Title : IBM Certified Administrator - Tivoli Monitoring V6.3
Exam ID : C9560-510
Exam Duration : 105 mins
Questions in test : 70
Passing Score : 54 / 70
Official Training : IBM Tivoli Monitoring 6.3 Advanced Administration
Exam Center : Pearson VUE
Real Questions : IBM Tivoli Monitoring Administration Real Questions
VCE practice test : IBM C9560-510 Certification VCE Practice Test

Configuration
- Given installed IBM Tivoli Monitoring (ITM) V6.3 software, use root/administrator login ID to configure Tivoli Enterprise Monitoring Server (TEMS) with correct information so that TEMS is configured.
- Given installed ITM software and IBM Tivoli Enterprise Portal Server V6.3 (TEPS) is operational, use root/administrator login ID to stop and configure TEPS settings so that TEPS is configured and operational.
- Given information on users and details of their workstations, potential crossing of firewalls and the need to access the ITM V6.3 environment through graphical interface clients (Tivoli Enterprise Portal or TEP) , implement steps so that TEP client is successfully configured.
- Given a requirement to retain historical data, configure the Warehouse Proxy agent so that desired enterprise data can be retained in the Tivoli Data Warehouse.
- Given installed Tivoli Enterprise Monitoring Agent (TEMA) and an installed OS agent, use the Managed System window features or command line interface so that the configuration of TEMA is completed.
- Given a company network plan and the ITM V6.3 documentation, determine the exact requirements for the firewall gateway, build the XML files, and configure the agents so that the firewall gateway is configured.
- Given a HA plan, and requirements, implement the planned actions so that the HA environment is deployed.
- Given an installed Summarization and Pruning Agent (SPA), select options and update required details so that the SPA is configured.

Performance Tuning,Problem Determination and Troubleshooting
- Given an IBM Tivoli Enterprise Portal (TEP) client connected to an IBM Tivoli Enterprise Portal Server (TEPS) V6.3, go to the Tivoli Data Warehouse agent configuration workspaces and identify errors that need to be corrected so that the IBM Tivoli Monitoring (ITM) Tivoli Data Warehouse agent environment is functioning properly.
- Given logs, identify the types of logs that are used in ITM so that basic troubleshooting information can be gathered.
- Given an existing ITM V6.3 environment, a Tivoli Enterprise Monitoring Server (TEMS) exhibiting unexpected behavior, the ITM V6.3 Troubleshooting guide and access to internet search engines, execute required actions so that TEMS V6.3 issues are resolved.
- Given a TEPS, check processes, logs, and documentation so that analysis or troubleshooting can be completed.
- Given ITM , the Agent User guide and the need for troubleshooting, set the trace option so that Tivoli Enterprise Monitoring Agent (TEMA) trace files are configured.
- Given the pdcollect and cinfo tool perform the start command and review the output so that the pdcollect output will be generated.
- Given an existing ITM V6.3 environment, the ITM V6.3 Troubleshooting guide and access to internet search engines, execute required remedial actions so that components communication failures are resolved.
- Given ITM documentation and customer support guidelines, set the components KBB_RAS1 variable either statically or dynamically so that the component is being traced correctly for debugging.

Administration
- Given an IBM Tivoli Enterprise Portal (TEP) client connected to an IBM Tivoli Enterprise Portal Server (TEPS) V6.3, take the required actions so that the custom users can be configured.
- Given a TEP client connected to a TEPS V6.3, create, modify and remove custom workspace so that Workspace is modified according to the requirements.
- Given the installation predefined situations, copy and change the predefined situations so that new, customized situations are created.
- Given a running IBM Tivoli Monitoring (ITM) V6.3 environment, the ITM V6.3 Administration guide and requirements for a situation to depend on other situations, use TEP to execute the required steps so that a correlated situation is created.
- Given an existing ITM V6.3 environment, the ITM V6.3 Administration guide and local requirements to automate activities through workflows, execute required steps so that customized policies can be managed.
- Given a TEP client connected to a TEPS V6.3, take required actions so that links between workspaces are created or modified according to requirements.
- Given agents and the attribute groups and an appropriate user ID, use the default queries with variables to run a query on Tivoli Enterprise Monitoring Server (TEMS) or a database so that a custom query is created.
- Given the agent depot and bundles, populate the depot and deploy the agents so that the agents are deployed from the depot.
- Given a TEP client connected to a TEPS V6.3, configure the history data collection windows so that custom history is configured.
- Given an existing ITM V6.3 environment, the ITM V6.3 Administration guide and customer requirements to re-organize TEP views, edit workspaces so that Navigator views are customized.
- Given a requirement to retain historical data for reporting, configure historical data collection and warehouse tables so that out-of-the-box Tivoli Common Reporting reports can be run successfully.
- Given access to TEMS and the host and port of the event management system, take the required steps so that integration of managed events and event management systems is completed.
- Given a TEP client connected to a TEPS V6.3, create, update and modify the routine so that a take action executes successfully.
- Given a terminal window or command window, use the tacmd, cinfo, itmcmd and pdcollect command line to run administration tasks on the TEMS so that CLI commands are issued.
- Given the need to use ITM V6.3 solution with the IBM Tivoli Performance Analyzer (ITPA), and the ITM V6.3 Administration guide, explain main operational features so that the ITPA is described.



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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