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-340 : CA IdentityMinder r12.x Professional exam Dumps

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Exam Number : CAT-340
Exam Name : CA IdentityMinder r12.x Professional
Vendor Name : CA-Technologies
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CAT-340 exam Format | CAT-340 Course Contents | CAT-340 Course Outline | CAT-340 exam Syllabus | CAT-340 exam Objectives

Exam Details for CAT-340 CA IdentityMinder r12.x Professional:

Number of Questions: The CAT-340 exam typically consists of multiple-choice questions. The exact number of questions may vary.

Time Limit: The exam has a time limit of 90 minutes.

Course Outline:
The CAT-340 CA IdentityMinder r12.x Professional course focuses on assessing the knowledge and skills required to deploy, configure, and manage the CA IdentityMinder solution for identity and access management. The course outline covers the following key topics:

1. Introduction to CA IdentityMinder:
- Overview of identity and access management (IAM)
- Understanding the features and capabilities of CA IdentityMinder
- Architecture and components of CA IdentityMinder

2. Installation and Configuration:
- Preparing the environment for CA IdentityMinder installation
- Installing and configuring CA IdentityMinder components
- Integration with other systems and applications
- Configuring user provisioning and self-service features

3. Identity Governance and Administration:
- Managing user identities and roles
- Defining and enforcing access policies and workflows
- Role-based access control (RBAC) and entitlement management
- Identity lifecycle management and provisioning

4. User Self-Service:
- Configuring and customizing self-service portals
- Password management and password synchronization
- User registration and profile management
- Multi-factor authentication and single sign-on (SSO) options

5. Access Request and Certification:
- Access request and approval workflows
- Access certification and compliance reporting
- Audit and monitoring of user access
- Managing privileged accounts and access

Exam Objectives:
The CAT-340 exam aims to assess the following objectives:

1. Understanding of identity and access management concepts and principles.
2. Proficiency in installing, configuring, and managing CA IdentityMinder.
3. Knowledge of identity governance and administration processes.
4. Competence in configuring user self-service features.
5. Familiarity with access request and certification processes.

Exam Syllabus:
The CAT-340 exam covers the following syllabus:

1. Introduction to CA IdentityMinder
- Overview of identity and access management (IAM)
- Understanding the features and capabilities of CA IdentityMinder
- Architecture and components of CA IdentityMinder

2. Installation and Configuration
- Preparing the environment for CA IdentityMinder installation
- Installing and configuring CA IdentityMinder components
- Integration with other systems and applications
- Configuring user provisioning and self-service features

3. Identity Governance and Administration
- Managing user identities and roles
- Defining and enforcing access policies and workflows
- Role-based access control (RBAC) and entitlement management
- Identity lifecycle management and provisioning

4. User Self-Service
- Configuring and customizing self-service portals
- Password management and password synchronization
- User registration and profile management
- Multi-factor authentication and single sign-on (SSO) options

5. Access Request and Certification
- Access request and approval workflows
- Access certification and compliance reporting
- Audit and monitoring of user access
- Managing privileged accounts and access

Candidates preparing for the CAT-340 exam should thoroughly study each course within the course outline, familiarize themselves with the exam objectives, and ensure they have hands-on experience with CA IdentityMinder deployment, configuration, and management. It is recommended to practice setting up various identity and access management scenarios using CA IdentityMinder and understand the integration aspects with other systems and applications.

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For adult second language learners, improvement in speaking the second language progresses significantly only if the learner is engaged in functional use of the language beyond the traditional classroom setting.

1. There are distinct stages of language learning for adults.

a) Jones (2014) reports five stages of language learning.

b) During the third and fourth stages, “speech emergence” and “intermediate fluency” Jones (2014. p.1) says that opportunities to practice speaking the language are essential for progress.

c) Grammar learning should not be dealt with in isolation. Noonan cautions that students should not be encouraged to “let the memorization of grammatical rules dominate their English study” (2005, p. 4). Instead, she advocates encouraging students to listen carefully and notice grammatical differences as they hear language in everyday use.

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TecnoLatinx gives youth skills to explore careers in VR and other emerging technologies

Tuesday, August 22, 2023 4:31PM

LOS ANGELES, Calif. -- TecnoLatinx, a Los Angeles based non-profit organization, is helping to bridge the digital divide for Latino middle and high school students by providing them training in Virtual Reality (VR), Augmented Reality (AR) and other emerging technologies.

"There will be a lot of artists and young people that can make a big difference in contributing to how the industry develops, and bringing their own unique and authentic points of views," said Martha Mendizabal who left a lucrative Wall Street job in New York to co-found TecnoLatinx.

Mendizabal's partner and co-founder, Nadia Bauta, also left a successful career in New York as an attorney to devote herself to the non-profit and its mission to prepare Latino youth for the jobs of tomorrow.

"If I were a young person in this moment, what are the things that I would need to rise and elevate myself," said Bauta. "And that came down to having the technological skills to be ready for the new jobs that were being created at the time."

TecnoLatinx also works with community organizations that foster education and art, such as Self Help Graphics, an art collective in East Los Angeles.

Steve Vazquez, a latest high school graduate and former TecnoLatinx participant, now teaches for the organization.

"There aren't any other programs that I've seen that will loan you this kind of technology," said Vazquez. "You have to go out and buy it which for some people is not an option."

For more information, visit: https://tecnolatinx.com/

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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