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 : CLF-C01
Exam Name : AWS Certified Cloud Practitioner (CLF-C01)
Vendor Name : Amazon
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CLF-C01 test Format | CLF-C01 Course Contents | CLF-C01 Course Outline | CLF-C01 test Syllabus | CLF-C01 test Objectives


Format : Multiple choice, multiple answer
Type : Foundational
Delivery Method : Testing center or online proctored exam
Time : 90 minutes to complete the exam

Introduction
The AWS Certified Cloud Practitioner (CLF-C01) examination is intended for individuals who have the knowledge, skills, and abilities to demonstrate basic knowledge of the AWS platform, including: available services and their common use cases, AWS Cloud architectural principles (at the conceptual level), account security, and compliance. The candidate will demonstrate an understanding of AWS Cloud economics including: costs, billing, and analysis, and the value proposition of the AWS Cloud.

The AWS Certified Cloud Practitioner examination is intended for individuals who have the knowledge and skills necessary to effectively demonstrate an overall understanding of the AWS Cloud, independent of specific technical roles addressed by other AWS Certifications. The test can be taken at a testing center or from the comfort and convenience of a home or office location as an online proctored exam.

Abilities Validated by the Certification
- Define what the AWS Cloud is and the basic global infrastructure
- Describe basic AWS Cloud architectural principles
- Describe the AWS Cloud value proposition
- Describe key services on the AWS platform and their common use cases (for example, compute and analytics)
- Describe basic security and compliance aspects of the AWS platform and the shared security model
- Define the billing, account management, and pricing models
- Identify sources of documentation or technical assistance (for example, whitepapers or support tickets)
- Describe basic/core characteristics of deploying and operating in the AWS Cloud

Response Types
There are two types of questions on the examination:
 Multiple choice: Has one correct response and three incorrect responses (distractors).
 Multiple response: Has two or more correct responses out of five or more options.
Select one or more responses that best complete the statement or answer the question. Distractors, or incorrect answers, are response options that an examinee with incomplete knowledge or skill would likely choose. However, they are generally plausible responses that fit in the content area defined by the test objective.
Unanswered questions are scored as incorrect; there is no penalty for guessing.

Unscored Content
Your examination may include unscored items that are placed on the test to gather statistical information. These items are not identified on the form and do not affect your score.

Exam Results
The AWS Certified Cloud Practitioner (CLF-C01) examination is a pass or fail exam. The examination is scored against a minimum standard established by AWS professionals who are guided by certification industry best practices and guidelines.
Your results for the examination are reported as a score from 100–1,000, with a minimum passing score of 700. Your score shows how you performed on the examination as a whole and whether or not you passed. Scaled scoring models are used to equate scores across multiple test forms that may have slightly different difficulty levels.
Your score report contains a table of classifications of your performance at each section level. This information is designed to provide general feedback concerning your examination performance. The examination uses a compensatory scoring model, which means that you do not need to “pass” the individual sections, only the overall examination. Each section of the examination has a specific weighting, so some sections have more questions than others. The table contains general information, highlighting your strengths and weaknesses. Practice caution when interpreting section-level feedback.

Domain 1: Cloud Concepts 26%
Domain 2: Security and Compliance 25%
Domain 3: Technology 33%
Domain 4: Billing and Pricing 16%
TOTAL 100%

Domain 1: Cloud Concepts
1.1 Define the AWS Cloud and its value proposition
1.2 Identify aspects of AWS Cloud economics
1.3 List the different cloud architecture design principles
Domain 2: Security and Compliance
2.1 Define the AWS shared responsibility model
2.2 Define AWS Cloud security and compliance concepts
2.3 Identify AWS access management capabilities
2.4 Identify resources for security support
Domain 3: Technology
3.1 Define methods of deploying and operating in the AWS Cloud
3.2 Define the AWS global infrastructure
3.3 Identify the core AWS services
3.4 Identify resources for technology support
Domain 4: Billing and Pricing
4.1 Compare and contrast the various pricing models for AWS
4.2 Recognize the various account structures in relation to AWS billing and pricing
4.3 Identify resources available for billing support



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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