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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CA-Technologies CAT-220 : CA Clarity PPM v12 Professional exam Dumps

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Exam Number : CAT-220
Exam Name : CA Clarity PPM v12 Professional
Vendor Name : CA-Technologies
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CAT-220 exam Format | CAT-220 Course Contents | CAT-220 Course Outline | CAT-220 exam Syllabus | CAT-220 exam Objectives


Exam: CAT-220 CA Clarity PPM v12 Professional

Exam Details:
- Number of Questions: The exam consists of multiple-choice questions.
- Time: Candidates are given a specified amount of time to complete the exam.

Course Outline:
The CAT-220 CA Clarity PPM v12 Professional course is designed to provide candidates with the necessary knowledge and skills to effectively work with CA Clarity PPM v12. The course covers various subjects related to project and portfolio management using CA Clarity PPM. The course outline includes the following topics:

1. Introduction to CA Clarity PPM
- Overview of project and portfolio management
- Introduction to CA Clarity PPM features and components
- Understanding the CA Clarity PPM architecture

2. Navigation and Basic Functionality
- Logging in and navigating the CA Clarity PPM interface
- Managing personal preferences and settings
- Understanding the basic functionality of CA Clarity PPM

3. Project Management
- Creating and managing projects in CA Clarity PPM
- Defining project tasks, milestones, and dependencies
- Tracking and reporting project progress

4. Resource Management
- Managing resources in CA Clarity PPM
- Allocating resources to projects and tasks
- Tracking resource availability and utilization

5. Portfolio Management
- Creating and managing portfolios in CA Clarity PPM
- Prioritizing and aligning projects within portfolios
- Monitoring and analyzing portfolio performance

6. Financial Management
- Managing project budgets and financials
- Tracking project costs and expenses
- Generating financial reports and forecasts

Exam Objectives:
The CAT-220 exam aims to assess candidates' understanding of CA Clarity PPM v12 and their ability to effectively work with the software to manage projects, resources, portfolios, and financials. The exam objectives include:

1. Understanding the core components and functionality of CA Clarity PPM.
2. Navigating the CA Clarity PPM interface and managing personal preferences.
3. Creating and managing projects, tasks, and milestones.
4. Allocating and tracking resources in CA Clarity PPM.
5. Creating and managing portfolios and aligning projects within portfolios.
6. Managing project budgets, costs, and financials.
7. Generating reports and analyzing project and portfolio performance.

Exam Syllabus:
The exam syllabus covers the following topics:

- Introduction to CA Clarity PPM
- Overview of project and portfolio management
- Introduction to CA Clarity PPM features and components
- Understanding the CA Clarity PPM architecture

- Navigation and Basic Functionality
- Logging in and navigating the CA Clarity PPM interface
- Managing personal preferences and settings
- Understanding the basic functionality of CA Clarity PPM

- Project Management
- Creating and managing projects in CA Clarity PPM
- Defining project tasks, milestones, and dependencies
- Tracking and reporting project progress

- Resource Management
- Managing resources in CA Clarity PPM
- Allocating resources to projects and tasks
- Tracking resource availability and utilization

- Portfolio Management
- Creating and managing portfolios in CA Clarity PPM
- Prioritizing and aligning projects within portfolios
- Monitoring and analyzing portfolio performance

- Financial Management
- Managing project budgets and financials
- Tracking project costs and expenses
- Generating financial reports and forecasts



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CA-Technologies CA exam contents

 

NVI:CA Novra Technologies Inc.

Novra Technologies Inc., together with its subsidiaries, provides hardware, software, and services for the distribution of satellite data in Canada, North America, Central America, South America, Europe, the Middle East, Africa, East Asia, South Asia, Southeast Asia, and Oceania. The company offers video distribution products and systems for the provision of end-to-end solutions to traditional and non-traditional video networks; infrastructure solutions for broadcast radio networks, including uplink and receive site equipment, as well as network management, encryption, and targeted regionalization/ad insertion options; and data distribution for hardware infrastructure, as well as content distribution network software solution. It also provides digital cinema network infrastructure and services; appliances for cinemas; decoders for live events; alternative content in 2D and 3D; digital cinema distribution software solutions; and DVB and ATSC compliant receivers for the broadband communications network market. Novra Technologies Inc. was founded in 2000 and is headquartered in Winnipeg, Canada.

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ICAI CA: Admit Cards Released For Chartered Accountancy Foundation Exam

New Delhi:

The Institute of Chartered Accountants of India (ICAI) has released the admit cards for the CA Foundation exams that are scheduled to be conducted on December 31, 2023, January 2, 4, and 6, 2024. 

Students are required to obtain the admit cards by visiting the official website of the institute. Candidates can obtain the ICAI CA Foundation admit card by entering the user ID and password. No physical admit card will be sent to any candidate by ICAI.

Candidates who have registered in Foundation course on or before July 1, 2023 will be appearing for the CA Foundation exam scheduled in December 2023. Candidates converted from CPT to Foundation as on the date of filling the exam form are also eligible for the CA Foundation exam.  

Foundation exam is a gateway to enter the profession of Chartered Accountancy. It is open for candidates who passed class 12 board exam or equivalent recognised examination.

The exam is conducted in a Descriptive cum Objective type examination of 400 marks comprising of four papers. 

Candidates will be declared to have passed the Foundation exam if they secure a minimum of 40 marks in each paper and a minimum of 50 per cent marks in aggregate of all the four papers, in one sitting.


 




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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