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.

Wo erhalte ich vollständige Informationen über CFSA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CFSA: Certified Financial Services Auditor (IIA-CFSA) Prüfung.

2022 Updated Actual CFSA questions as experienced in Test Center

Laden Sie CFSA Übungstest und aktuelle Fragen herunter | easyfinanz

Certified Financial Services Auditor (IIA-CFSA) practice questions with Latest CFSA practice exams | https://www.easyfinanz.cc/

Financial CFSA : Certified Financial Services Auditor exam Dumps

Exam Dumps Organized by Martha nods



Latest 2022 Updated Syllabus
CFSA exam dumps | Latest Braindumps with genuine Questions

Real Questions from Latest Topics of CFSA - Updated Daily - 100% Pass Guarantee



CFSA trial Questions : Download 100% Free CFSA exam dumps (PDF and VCE)

Exam Number : CFSA
Exam Name : Certified Financial Services Auditor (IIA-CFSA)
Vendor Name : Financial
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Move CFSA examination with CFSA Free PDF along with Practice Questions
killexams.com always recommend you to obtain CFSA exam Exam Questions for trial, work their way through the questions and also answers prior to deciding to apply for complete version. killexams.com permits you 3 months cost-free updates regarding CFSA Certified Financial Services Auditor (IIA-CFSA) exam inquiries. Their accreditation group is usually consistently doing work at tailgate end and update the particular CFSA Exam Questions as and once need.

Most of us attempt to apparent your ideas essentially all CFSA course construction, prospectus, and also destinations through Financial CFSA test. Easily perusing CFSA coursebook is absolutely not adequate. You need to find out in terms of interesting circumstances and enquiries posed with genuine CFSA test. You desperately want to go to killexams.com and also obtain Totally free CFSA EBOOK test issues and study. They make sure you will match their Certified Financial Services Auditor (IIA-CFSA) questions, you are able to enroll in order to obtain whole form CFSA Exam Cram on extremely exciting rebate coupon codes. That will be your own initial shift toward fulfillment in Certified Financial Services Auditor (IIA-CFSA) test. Acquire and present CFSA VCE test method in your PERSONAL COMPUTER. Retain CFSA Exam Cram and also take exercise test frequently with VCE test method. At the stage when you think that you are ready for a authentic CFSA test out, go to test out focus and also register for an authentic test.

Most of us, at killexams.com, supply the Latest, Legitimate and 2022 Up-to-date Financial Certified Financial Services Auditor (IIA-CFSA) deposits that are instructed to pass CFSA exam. It is just a requirement to Strengthen up your location as a expert inside your organization. They have each of their objective to help patients pass often the CFSA exam in their 1st attempt. The outcome of their CFSA Exam Cram stays at best all the time. Due to their clients of CFSA exam issues that believe in their PDF Download and VCE for their true CFSA exam. killexams.com is the best with genuine CFSA exam issues. They preserve their CFSA Exam Braindumps legitimate and up currently all the time. These kind of Certified Financial Services Auditor (IIA-CFSA) exam dumps guarantees to help you to cross the exam with high represents.

Features of Killexams CFSA Exam Cram
-> Instant CFSA Exam Cram obtain Access
-> Complete CFSA Concerns and Solutions
-> 98% Achievement Rate associated with CFSA exam
-> Guaranteed Precise CFSA test questions
-> CFSA Questions Up to date on Typical basis.
-> Legitimate and 2022 Updated CFSA exam Places
-> 100% Convenient CFSA exam Files
-> Total featured CFSA VCE exam Simulator
-> Not any Limit in CFSA exam obtain Entry
-> Great Vouchers
-> 100% Tacked down obtain Consideration
-> 100% Secrecy Ensured
-> totally Success Warranty
-> 100% Totally free Practice Questions example Questions
-> Not any Hidden Expense
-> No Month to month Charges
-> Not any Automatic Consideration Renewal
-> CFSA exam Upgrade Intimation by means of Email
-> Totally free Technical Support

exam Aspect at: https://killexams.com/pass4sure/exam-detail/CFSA
Pricing Particulars at: https://killexams.com/exam-price-comparison/CFSA
See Full List: https://killexams.com/vendors-exam-list

Price cut Coupon in Full CFSA Exam Cram Exam Cram;
WC2020: 60% Smooth Discount to each exam
PROF17: 10% Further more Discount in Value More than $69
DEAL17: 15% Further more Discount in Value More than $99







CFSA exam Format | CFSA Course Contents | CFSA Course Outline | CFSA exam Syllabus | CFSA exam Objectives


Certified Financial Services Auditor® (CFSA®) exam Syllabus
The CFSA exam tests a candidate's knowledge of current auditing practices and understanding of internal audit issues, risks, and remedies in the financial services industry.

The exam consists of 115 multiple-choice questions.
The testing period is two hours and fifty-five minutes.
Exam questions are all multiple-choice (objective) with four answer choices.
80% of the exam covers four domains: Financial Services Auditing, Auditing Financial Services Products, Auditing Financial Service Processes, and The Regulatory Environment.
The remaining 20% relate to the candidates' chosen discipline and will be at the proficiency level.
CFSA candidates may choose any one of the three disciplines as part of their CFSA exam test.
Candidates may not choose to be tested on more than one discipline.
The CFSA designation does not distinguish one chosen discipline from another.

The CFSA exam core content covers four domains:

Domain I: Financial Services Auditing (25-35%)
Domain II: Auditing Financial Services Products (25-35%)
Domain III: Auditing Financial Service Processes (25-35%)
Domain IV: The Regulatory Environment (10-20%)

CFSA exam Individual Disciplines
Banking: Products, Processes, and the Regulatory Environment (20% — Proficiency Level)
Insurance: Products, Processes, and the Regulatory Environment (20% — Proficiency Level)
Securities: Products, Processes, and the Regulatory Environment (20% — Proficiency Level)

Financial Services Auditing (25-35%)
(P) = Candidates must exhibit proficiency (thorough understanding, ability to apply concepts) in these course areas.
(A) = Candidates must exhibit awareness (knowledge of terminology and fundamentals) in these course areas.
A. IIA International Professional Practices Framework (P)
B. Internal Control/Risk Management/Governance (P)
Internal Control Frameworks
Risk Management Frameworks
Governance Models
C. Audit Process (P)
Audit Planning
Audit Fieldwork
Risk Assessment
Analytical Review
Data Gathering and Evaluation
Testing
Tools and Techniques (e.g., CAAT)
Audit Communications
Monitoring Outcomes
D. Implications of Information Technology (P)
E. Auditing Financial Statement Elements (P)
Balance Sheet
Statement of Cash Flows
Income/Expense Statement
Off Balance-sheet Items
Auditing Financial Services Products (25-35%)
(P) = Candidates must exhibit proficiency (thorough understanding, ability to apply concepts) in these course areas.
(A) = Candidates must exhibit awareness (knowledge of terminology and fundamentals) in these course areas.
A. Lending/Loans (A)
B. Deposits (A)
C. Trusts (A)
D. Annuities (A)
E. Derivatives (A)
F. Electronic Services (A)
G. Cash Management Services (A)
H. Stocks (A)
I. Bonds (A)
J. Commodities (A)
K. Mutual Funds (A)
L. Employee Benefits (A)
M. Capital Market Products (A)
N. Securities Lending (A)
O. Insurance Policies (A)
P. Insurance Products (A)
Q. Foreign Exchange (A)
R. Asset Management (A)
S. Money Market Products (A)
Auditing Financial Service Processes (25-35%)
(P) = Candidates must exhibit proficiency (thorough understanding, ability to apply concepts) in these course areas.
(A) = Candidates must exhibit awareness (knowledge of terminology and fundamentals) in these course areas.
A. Risk Management (A)
Asset/Liability Management
Trading Market Risk
Credit, Liquidity, Operational Risk
Allowance for Loan and Lease Losses
Reserves
B. Underwriting (A)
Loans
Securities
Insurance
Private Placement
Initial Public Offerings
C. Securitizations (A)
D. Treasury Operations (e.g., Cash Management) (A)
E. Back-office Operations (A)
F. Marketing Sales and Distribution (e.g., Insurance Agencies, Bank Branches, Brokers) (A)
G. Claims (A)
H. Investments (A)
I. Broker/Dealer Activities (A)
J. Rating Advisory Service (A)
K. Mergers and Acquisitions (A)
L. Loan Operations (e.g., Collateral Issues, Perfecting Liens) (A)
The Regulatory Environment (10-20%)
(P) = Candidates must exhibit proficiency (thorough understanding, ability to apply concepts) in these course areas.
(A) = Candidates must exhibit awareness (knowledge of terminology and fundamentals) in these course areas.
A. Overview of the Regulatory Environment (A)
Function of Central Bank
Function of Insurance Regulators
Function of Securities Regulators
B. Laws and Regulations (A)
Equal Credit Opportunity/Antidiscrimination
Home Mortgage Disclosure
Reserve Requirements
Insider Transactions
Lending Disclosure
Deposits Disclosure
Real Estate Sales Disclosure
Self-assessment of Internal Controls/Risk Management
Investor/Depositor Protection
Financial and Personal Information Privacy
Anti-Money Laundering
C. Stock Exchanges and Other Markets (A)
D. Money and Banking (A)
Role of Money and Banking
Bond and Stock Markets
Effect of Interest Rate Movements
Monetary Management Theories



Killexams Review | Reputation | Testimonials | Feedback


High-quality and updated dumps of CFSA exam are available.
The killexams.com Questions and Answers made me effective enough to break up this exam. I answered 90/95 questions in due time and passed effectively. I never considered passing. a lot obliged killexams.com for helping me in passing the CFSA. With complete-time work and an authentic diploma preparation aspect by way of side made me greatly occupied to equip myself for the CFSA exam. by one method or every other, I came to reflect on consideration on killexams.


Real CFSA questions and brain dumps! It justify the price.
I have searched best material for this specific course online. however, I could not locate the perfect one that perfectly explains only the wishes and essential things. while I discovered killexams.com brain dump I was Truelysurprised. It just covered the essential things and not anything crushed inside the dumps. I am so exshown to find it and used it for my training.


How much CFSA exam and vce VCE exam cost?
Your questions bank needs the hour. I have were given 89.1% in the CFSA exam. excellent needs in your professionals. Thank you, team. so delighted to pass this exam. Your exam dumps were extremely useful, clear, concise, covering the entire material and superb bank of questions to make one strong preparation. Thank you again to you and your team.


Can i find genuine Questions and Answers of CFSA exam?
I missed multiple questions only given that I got easy and did not maintain in brain the Answers given inside the unit, but given that I was given the rest right, I passed and answered 43/50 questions. So my recommendation is to exam all that I am getting from killexams.com Questions and Answers - this is the whole lot I want to skip. I passed this exam due to killexams. This p.C. Is a 100% straightforward, a huge part of the questions were equal to what I got at the CFSA exam.


Passing CFSA exam is simply click away!
killexams.com Questions and Answers helped me to know what exactly is expected in the exam CFSA. I prepared well within 10 days of preparation and completed all the questions of the exam in 80 minutes. It contains Topics similar to the exam point of view and makes you memorize all the Topics easily and accurately. It also helped me to know how to manage the time to finish the exam before time. It is the best method.


Financial Certified test



Whilst it is very hard task to choose reliable exam Questions and Answers resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to exam dumps update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit their test questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Yes, Killexams is fully legit and fully good. There are several includes that makes killexams.com authentic and legit. It provides updated and fully valid exam dumps including real exams questions and answers. Price is surprisingly low as compared to a lot of the services online. The Questions and Answers are current on ordinary basis having most exact brain dumps. Killexams account setup and products delivery is extremely fast. Report downloading is definitely unlimited and very fast. Assist is avaiable via Livechat and Netmail. These are the characteristics that makes killexams.com a sturdy website that supply exam dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Questions and Answers provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2022 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update exam Questions and Answers with the same frequency as they are updated in Real Test. exam dumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to obtain PDF exam Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers will be provided in your obtain Account. You can obtain Premium exam dumps files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Test Center and Enjoy your Success.




JN0-104 exam papers | 8006 braindumps | 1Z0-988 cheat sheets | CHAD Dumps | ISEB-ITILF study guide | ITILFND Cheatsheet | ACLS obtain | CIMAPRA17-BA3-1-ENG braindumps | 156-215-80 cheat sheet | CLO-002 exam Questions | LFCS exam Questions | PCCSE trial test questions | DA-100 PDF Dumps | 98-368 practice questions | JN0-222 exam dumps | PAM-DEF questions answers | PEGAPCSA80V1_2019 free prep | 1Z0-063 genuine Questions | SY0-601 free pdf | ITIL-4-FOUNDATION Study Guide |


CFSA - Certified Financial Services Auditor (IIA-CFSA) Free exam PDF
CFSA - Certified Financial Services Auditor (IIA-CFSA) Practice Test
CFSA - Certified Financial Services Auditor (IIA-CFSA) study tips
CFSA - Certified Financial Services Auditor (IIA-CFSA) Cheatsheet
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam Questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) braindumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) learn
CFSA - Certified Financial Services Auditor (IIA-CFSA) education
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam Braindumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) Study Guide
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam Braindumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) Real exam Questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) dumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) braindumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) boot camp
CFSA - Certified Financial Services Auditor (IIA-CFSA) PDF Braindumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) PDF Download
CFSA - Certified Financial Services Auditor (IIA-CFSA) information search
CFSA - Certified Financial Services Auditor (IIA-CFSA) testing
CFSA - Certified Financial Services Auditor (IIA-CFSA) genuine Questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) dumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) information hunger
CFSA - Certified Financial Services Auditor (IIA-CFSA) information hunger
CFSA - Certified Financial Services Auditor (IIA-CFSA) Latest Topics
CFSA - Certified Financial Services Auditor (IIA-CFSA) braindumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) study help
CFSA - Certified Financial Services Auditor (IIA-CFSA) Study Guide
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam dumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) guide
CFSA - Certified Financial Services Auditor (IIA-CFSA) test
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam Questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) answers
CFSA - Certified Financial Services Auditor (IIA-CFSA) cheat sheet
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam syllabus
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam Cram
CFSA - Certified Financial Services Auditor (IIA-CFSA) study help
CFSA - Certified Financial Services Auditor (IIA-CFSA) certification
CFSA - Certified Financial Services Auditor (IIA-CFSA) Test Prep
CFSA - Certified Financial Services Auditor (IIA-CFSA) Cheatsheet
CFSA - Certified Financial Services Auditor (IIA-CFSA) Question Bank
CFSA - Certified Financial Services Auditor (IIA-CFSA) real questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam Questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) certification
CFSA - Certified Financial Services Auditor (IIA-CFSA) braindumps
CFSA - Certified Financial Services Auditor (IIA-CFSA) information hunger
CFSA - Certified Financial Services Auditor (IIA-CFSA) Test Prep
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam
CFSA - Certified Financial Services Auditor (IIA-CFSA) information hunger
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam Questions
CFSA - Certified Financial Services Auditor (IIA-CFSA) exam success
CFSA - Certified Financial Services Auditor (IIA-CFSA) tricks



Best Certification exam dumps You Ever Experienced


CFSA braindumps | CPCM test exam | CFA-Level-II VCE | CMAA pdf obtain | CGAP trial test questions | CTFA exam questions | CEMAP-1 study guide | CMA cbt | CVA Test Prep | AVA examcollection | CCM exam prep | CHFP braindumps | CABM prep questions | CIA-III cram | AngularJS VCE exam | CCSA VCE exam | CIA-III-2012 practical test | CFP Real exam Questions | CPFO exam questions | CRFA test example |





References :


http://ge.tt/1iUaV553
http://killexams-braindumps.blogspot.com/2020/06/cfsa-exam-questions-are-updated-today.html
https://killexams-posting.dropmark.com/817438/23680253
https://killexams-posting.dropmark.com/817438/23696950
https://www.instapaper.com/read/1322163472
https://www.4shared.com/video/MW5-1Untea/CFSA.html
https://www.4shared.com/office/5Z0yJLC-iq/Certified-Financial-Services-A.html
https://www.coursehero.com/file/72870339/Certified-Financial-Services-Auditor-IIA-CFSA-CFSApdf/
https://www.clipsharelive.com/video/3516/cfsa-certified-financial-services-auditor-iia-cfsa-question-bank-with-real-questions-by-killexams-com
http://feeds.feedburner.com/JustMemorizeTheseCfsaDumpsQuestionsBeforeYouGoForTest
https://sites.google.com/view/killexams-cfsa-pdf-dumps
https://youtu.be/u-l005Flxwk
https://justpaste.it/CFSA
https://killexams-cfsa.jimdofree.com/
https://ello.co/killexamz/post/jotr9ir6gi83elm-1bvf8a
https://files.fm/f/wrkvdxueq
http://killexams.decksrusct.com/blog/uncategorized/cfsa-certified-financial-services-auditor-iia-cfsa-real-exam-questions-by-killexams-com/
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-4bf724ca-5559-4ee7-bdf6-bd582661cc54/fv-a51ea666-b858-494c-853c-b695e6f9fe91/Certified-Financial-Services-Auditor-IIA-CFSA-(CFSA).pdf#pageThumbnail-1



Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps






Direct Download

CFSA Reviews by Customers

Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

CFSA Reviews

100% Valid and Up to Date CFSA Exam Questions

We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

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