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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Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CCM: Certified Case Manager (CCM) Prüfung.

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Financial CCM : Certified Case Manager (CCM) exam Dumps

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Exam Number : CCM
Exam Name : Certified Case Manager (CCM)
Vendor Name : Financial
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CCM exam Format | CCM Course Contents | CCM Course Outline | CCM exam Syllabus | CCM exam Objectives

Test Detail:
The Certified Case Manager (CCM) exam is designed for professionals working in the field of case management within the financial industry. This certification validates the individual's knowledge and expertise in managing financial cases, including assessing client needs, developing case plans, and coordinating services to meet client goals.

Course Outline:
The course for the Certified Case Manager (CCM) certification covers a range of syllabus related to financial case management. The following is a general outline of the key areas covered:

1. Introduction to Financial Case Management:
- Overview of the role and responsibilities of a financial case manager.
- Understanding the importance of case management in the financial industry.
- Ethical considerations in financial case management.

2. Financial Assessment and Planning:
- Conducting comprehensive financial exams.
- Identifying client needs and goals.
- Developing individualized financial plans.

3. Financial Resource Coordination:
- Identifying and accessing available financial resources.
- Coordinating financial services and programs.
- Advocating for clients' financial needs.

4. Financial Counseling and Education:
- Providing financial counseling and guidance.
- Educating clients on financial literacy and money management.
- Assisting clients in making informed financial decisions.

5. Case Documentation and Evaluation:
- Maintaining accurate and complete case records.
- Monitoring client progress and outcomes.
- Evaluating the effectiveness of financial case management interventions.

Exam Objectives:
The CCM exam assesses the candidate's proficiency in the following areas:

1. Financial Case Management Principles:
- Understanding the role and responsibilities of a financial case manager.
- Knowledge of ethical considerations in financial case management.

2. Financial Assessment and Planning:
- Ability to conduct comprehensive financial exams.
- Knowledge of developing individualized financial plans.

3. Financial Resource Coordination:
- Knowledge of available financial resources.
- Ability to coordinate financial services and programs.

4. Financial Counseling and Education:
- Proficiency in providing financial counseling and guidance.
- Knowledge of financial literacy and money management education.

5. Case Documentation and Evaluation:
- Ability to maintain accurate case records.
- Understanding of monitoring client progress and evaluating outcomes.

Exam Syllabus:
The CCM exam syllabus provides a detailed breakdown of the syllabus covered in the exam. It may include specific knowledge areas, skills, and tasks that candidates are expected to demonstrate proficiency in. The syllabus may cover the following areas:

- Financial case management principles and practices
- Financial exam and planning techniques
- Financial resource coordination strategies
- Financial counseling and education approaches
- Case documentation and evaluation methods

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A Certified Financial Planner (CFP) is a professional designation for the financial planning profession. Financial planners can earn the CFP designation after completing the CFP Board's education, exam, experience, and ethics requirements.

One of the more challenging steps in the process, the CFP exam, is a pass-or-fail test. You may register for the CFP exam after meeting the CFP Board's education requirements. Once you pass the exam, you will be one step closer to becoming a CFP professional, one of the most elite financial planning designations.

To create their list of the best CFP exam prep courses, they compared each program's features, including reputation, cost, guarantees, course materials, in-person classes, special features, and more. These are the best CFP exam prep courses for aspiring CFP professionals.

What Is a Certified Financial Planner?

No result found, try new keyword!A CFP is a financial professional who has met the training and experience requirements of the CFP Board, passed the CFP certification exam and committed to the CFP Board's ethical standards ...

CFMP exam Application

Testing Update: ABA and Meazure Learning are offering candidates the option of testing via live remote proctoring (LRP). This allows candidates to take the exam at their home or other location with a live, remote proctor.

Important Note: With the Meazure Learning acquisition, candidates may see communications from Meazure Learning and ProctorU during this transition period. However, this is one organization.

How to Apply

Check the eligibility requirements to determine that you qualify.

Review the available exam dates below.

Purchase the exam. Payment must be made by credit card. (You will be prompted to create an Certifications Manager account.)

Complete and submit the exam application following the purchase.

If you do not complete the application by the due date, your registration will be cancelled and any applicable refunds provided. After submitting your application, you will receive an Approval/Denial email from ABA within two weeks after receiving your application, along with additional details about taking the exam. If your application is denied, you will receive a refund of your exam fee minus a $100 application fee.

Exam Dates

Exam Date Application Due Date November 1 - 30, 2023 September 8, 2023 June 1 - 30, 2024 April 12, 2024 August 1 - 31, 2024 June 12, 2024 November 1 - 30, 2024 September 6, 2024

For full details on taking the exam and scoring, please read the Certification exam FAQs.

Test Sites - Candidates select a date and time within the identified date range, subject to testing center availability. Find Test Site locations.

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Should you need to cancel or reschedule your exam after application, please review the procedures and fee schedule on the exam Cancellation/Rescheduling page.

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There must be a minimum of 3 months between the start date of your most recent window and the start date of your retake window before you are permitted to sit for the exam again. The 3 months waiting time is based on the start dates of the exam windows and not the actual dates of your attempts.(Example: The exam is taken during a window that starts on February 1. The earliest retake permitted is during a window that starts on or after May 1.)

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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