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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APICS CLTD : Certification in Logistics, Transportation and Distribution exam Dumps

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Latest 2023 Updated APICS Certification in Logistics, Transportation and Distribution Syllabus
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Exam Number : CLTD
Exam Name : Certification in Logistics, Transportation and Distribution
Vendor Name : APICS
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CLTD exam Format | CLTD Course Contents | CLTD Course Outline | CLTD exam Syllabus | CLTD exam Objectives

Test Detail:
The APICS CLTD (Certified in Logistics, Transportation, and Distribution) certification exam is designed to validate the knowledge and skills of professionals in the field of logistics, transportation, and distribution management. It is offered by APICS (Association for Supply Chain Management) and focuses on various aspects of the supply chain, including logistics planning, transportation management, warehouse operations, and customer service. The following description provides an overview of the APICS CLTD certification.

Course Outline:
To prepare for the APICS CLTD exam, candidates can undergo training courses that cover the core concepts and best practices in logistics, transportation, and distribution. These courses provide comprehensive knowledge and practical skills required to effectively manage the flow of goods and services across the supply chain. The coursework typically covers courses such as logistics strategy, capacity planning, inventory management, transportation modes, and global logistics.

Exam Objectives:
The APICS CLTD exam aims to assess the candidate's understanding and proficiency in various areas of logistics, transportation, and distribution management. The exam objectives include the following:

1. Logistics and Supply Chain Overview:
- Understanding the role of logistics in the supply chain
- Analyzing logistics strategies and their impact on business performance
- Identifying key performance metrics for logistics operations

2. Capacity Planning and Demand Management:
- Forecasting demand and aligning capacity accordingly
- Implementing inventory strategies to meet customer demand
- Optimizing order management processes for efficient fulfillment

3. Order Management and Customer Service:
- Managing customer orders and ensuring on-time delivery
- Implementing customer service strategies to enhance customer satisfaction
- Handling returns and reverse logistics processes

4. Transportation Management:
- Selecting appropriate transportation modes and carriers
- Optimizing transportation routes and schedules
- Managing transportation costs and performance metrics

5. Warehouse Management:
- Designing efficient warehouse layouts and storage systems
- Implementing inventory control techniques and cycle counting
- Streamlining order picking and packing processes

Exam Syllabus:
The APICS CLTD exam syllabus covers a wide range of courses related to logistics, transportation, and distribution management. The syllabus includes the following areas of study:

- Logistics and supply chain overview
- Capacity planning and demand management
- Order management and customer service
- Transportation management
- Warehouse management
- Global logistics and trade compliance

The APICS CLTD exam format typically consists of multiple-choice questions that assess the candidate's knowledge and understanding of the concepts, principles, and best practices in logistics, transportation, and distribution management. Candidates are expected to demonstrate their competence in optimizing the flow of goods and services across the supply chain while considering cost, quality, and customer satisfaction.

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APICS Distribution real questions

Five Questions To Ask Your Potential Property Management Company

When seeking out the right property management company, it’s typical of an owner to ask a standard set of questions. These often cover bottom-line financial results, standard practices and procedures and overall expectations. While those are all great questions, there are other queries that can be much more strategic, informative and conducive to generating results for your business.

Over 38 years of working my way up from part-time leasing agent to real estate CEO, I’ve asked and answered many more questions than I can count. The answers have led me to experiences both positive and negative. In that process, I’ve learned that there are telling indicators that don’t always match top-line discussion points but will significantly impact your bottom line. Below are my top five questions to add to your list when interviewing a potential management company you are considering enlisting to support your business.

1. What is your employee turnover rate? If you lead a successful real estate business, it’s likely because you understand the impact and importance of employee engagement and creating a positive culture. According to Deloitte's 2015 Human Capital report, "87 percent of organizations cite culture and engagement as one of their top challenges, and 50 percent call the problem 'very important.'"

Years ago, I had an experience that taught me a valuable lesson about how culture impacts performance. At the time, their company was managing several properties in a similar market, which gave me the opportunity to draw a direct comparison on the effectiveness of the property level teams. The fact that one property, located less than two miles from the other, was achieving top economic performance while the other was experiencing lackluster results, led us to research what the differences might be. When they dug in, they found that the people at the top-performing property had staff who worked extremely well as a team; all were engaged and aware of their respective roles, making their contributions in an open and transparent environment. The other property team was led by a leader who was not empathetic, kept everything close to the vest, didn’t empower the team or make them feel valued. The results spoke for themselves.

2. How much has the company invested in training and mentorship? I’ve found that questions around the quality of current employees are important to ask but often go overlooked. While it may not seem immediately applicable, it’s much better to work with a company that invests in training and mentorship. This goes a long way toward improving employee aptitude, engagement, empowerment and, ultimately, productivity. It also makes employees better problem-solvers who are able to take immediate action should a problem arise.

Without strong training and mentorship programs in place, issues with engagement become more likely. Low engagement often equals high turnover, which is not an issue you want to encounter with your property management company. Each time a company loses an employee, they lose time and money — costs that may then be projected onto you. Millennials, the largest generation in the workforce, are particularly risky to lose, according to research indicating the average cost to replace a millennial is between $15K and $25K.

3. How are you using big data? There’s an incredible amount of data you can mine from your property management company. Business intelligence (BI) can be used to transform your business into a more competitive and more profitable entity. For example, let’s look at a company with a high number of vacant units in its portfolio. The right property management company will use data to go deeper than just the number of vacant units — they’ll break down the types of units, location of those units, down days and other relevant metrics and identify trends.

Once you’ve identified the gaps, you’re able to see the opportunities. This results in higher dollars but isn’t always being looked at and utilized by many companies. Without access to this data, you risk missing key opportunities for growth.

4. How long have your partnerships with suppliers and vendors lasted in place? Certainly, churn and burn is bad for owners. The cost of starting fresh with vendors and suppliers is far greater than any short-term savings that may be the basis for a change in the first place. National relationships with key suppliers result in savings of money and time. A property manager with strong relationships can likely leverage those to benefit real estate owners in many ways. For example, national provider relationships can result in cost savings as well as more timely responses by being prioritized in the queue of customers.

5. How are you integrating resources? Everyone has a role to play in the property management ecosystem. It’s important that, while titles and departments are understood and aligned for success, the site team must be empowered to get out from behind his or her desk and provide great customer service. After all, it’s this service that deepens relationships with residents and increases retention rates.

In real estate, reputation matters. Investors are going to continue to invest with owners who are driving results. Asking your property management company early on about what corporate resources and support are available to the properties and how they’re streamlining and integrating those resources can deliver you a better idea of how burdened the site team may or may not be. It is critical that resident satisfaction be the key focus and goal. The support and resources a management company provide to enable that can work to maximize your brand perception.

Choosing a property management company is one of the most important decisions you can make. By simply asking the right questions and listening for responses that demonstrate an emphasis on integration, empowerment, collaboration and support, you can develop a symbiotic relationship with a partner that is just as invested in your business's success as you are.

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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