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 : CMQ-OE
Exam Name : Manager of Quality/Organizational Excellence Certification
Vendor Name : ASQ
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CMQ-OE test Format | CMQ-OE Course Contents | CMQ-OE Course Outline | CMQ-OE test Syllabus | CMQ-OE test Objectives
Exam Code: CMQ-OE
Exam Name: ASQ Manager of Quality/Organizational Excellence (CMQ/OE)
Number of Questions: 180 total multiple-choice questions (165 scored; 15 unscored pretest questions used for future test validation).
Time Allotted: 4 hours and 18 minutes (no planned breaks- but candidates may take one—the clock continues).
Passing Score: Minimum scaled score of 550 (out of a possible 750). Scores are reported on a scale- and the test uses a cut-score process to determine passing.
I. Leadership (25 Questions- ~17%)
A. Organizational Leadership
- Strategic Leadership: Develop and communicate vision- mission- and values aligned with organizational goals.
- Change Management: Apply change management models (e.g.- Kotters 8-step process- ADKAR) to drive transformation.
- Ethical Leadership: Demonstrate integrity- ethical decision-making- and corporate social responsibility.
- Stakeholder Engagement: Build relationships with internal and external stakeholders to support quality initiatives.
B. Team Dynamics
- Team Formation and Roles: Understand stages of team development (forming- storming- norming- performing- adjourning) and define team roles (e.g.- facilitator- timekeeper).
- Team Facilitation: Use tools like brainstorming- nominal group technique- and conflict resolution to enhance team performance.
- Team Performance: Measure team effectiveness using metrics like productivity- cohesion- and goal attainment.
C. Organizational Culture
- Quality Culture: Foster a culture of continuous improvement- employee engagement- and quality awareness.
- Cultural Assessment: Use tools like surveys and audits to assess and Boost organizational culture.
- Diversity and Inclusion: Promote inclusive practices to enhance collaboration and innovation.
- Cognitive Levels: Mostly Application and Analysis- with some Recall for key leadership theories.
II. Strategic Plan Development and Deployment (18 Questions- ~12%)
A. Strategic Planning Models
- Models and Tools: Apply SWOT- PESTLE- Hoshin Kanri- or Balanced Scorecard for strategic planning.
- Vision and Goals: Align strategic objectives with organizational mission and vision.
B. Business Environment Analysis
- Internal Analysis: Assess organizational strengths and weaknesses using tools like value stream mapping.
- External Analysis: Evaluate market trends- competition- and regulatory factors impacting strategy.
C. Strategy Deployment
- Cascading Goals: Translate strategic goals into actionable objectives across departments.
- Performance Metrics: Develop Key Performance Indicators (KPIs) to monitor strategy execution.
- Risk Management: Identify and mitigate risks in strategic plan implementation.
- Cognitive Levels: Emphasis on Analysis for strategy formulation and Application for deployment.
III. Management Elements and Methods (30 Questions- ~20%)
A. Management Systems
- Quality Management Systems (QMS): Understand ISO 9001:2015 principles and implementation.
- Other Standards: Familiarity with ISO 14001- ISO 45001- and industry-specific standards (e.g.- IATF 16949).
B. Management Tools
- Quality Tools: Apply tools like Pareto charts- fishbone diagrams- and control charts for problem-solving.
- Lean Principles: Implement lean concepts such as 5S- Kaizen- and waste reduction.
- Six Sigma: Understand DMAIC methodology- statistical process control (SPC)- and process capability.
C. Performance Excellence Models
- Baldrige Framework: Apply criteria for performance excellence (leadership- strategy- customers- etc.).
- EFQM Model: Understand European Foundation for Quality Management principles.
- Cognitive Levels: Heavy focus on Application for tool usage and Analysis for system integration.
IV. Quality Management Tools (30 Questions- ~20%)
A. Problem-Solving Tools
- Root Cause Analysis: Use fishbone diagrams- 5 Whys- and fault tree analysis to identify causes.
- Corrective and Preventive Actions (CAPA): Develop and implement CAPA plans to address issues.
B. Process Management
- Process Mapping: Create flowcharts- SIPOC diagrams- and value stream maps to analyze processes.
- Process Improvement: Apply PDCA (Plan-Do-Check-Act) and DMAIC for process optimization.
C. Statistical Techniques
- Basic Statistics: Calculate mean- median- standard deviation- and process capability indices (Cp- Cpk).
- Control Charts: Interpret X-bar- R- p- and np charts for process stability.
- Hypothesis Testing: Understand basic concepts (null vs. alternative hypothesis- p-value).
- Cognitive Levels: Balanced mix of Application (tool use) and Analysis (data interpretation).
V. Customer-Focused Organizations (20 Questions- ~14%)
A. Customer Identification
- Customer Segmentation: Identify internal and external customers and their needs.
- Voice of the Customer (VOC): Use surveys- focus groups- and QFD (Quality Function Deployment) to capture customer requirements.
B. Customer Relationship Management
- Customer Satisfaction: Measure satisfaction using Net Promoter Score (NPS)- surveys- and complaints analysis.
- Customer Retention: Develop strategies for loyalty programs and relationship management.
- Service Recovery: Implement processes to address customer complaints and recover trust.
- Cognitive Levels: Primarily Application for VOC tools and Analysis for satisfaction metrics.
VI. Supply Chain Management (17 Questions- ~12%)
A. provider Selection and Evaluation
- provider Criteria: Use criteria like quality- cost- delivery- and reliability for provider selection.
- provider Audits: Conduct audits to assess provider compliance with quality standards.
B. provider Relationship Management
- Partnerships: Build collaborative relationships with key suppliers.
- Performance Monitoring: Use scorecards and KPIs to track provider performance.
C. Supply Chain Optimization
- Risk Management: Identify and mitigate supply chain risks (e.g.- disruptions- quality issues).
- Lean Supply Chain: Apply just-in-time (JIT) and vendor-managed inventory (VMI) principles.
- Cognitive Levels: Focus on Application for provider management and Analysis for risk exam.
VII. Training and Development (15 Questions- ~10%)
A. Training Needs Analysis
- Gap Analysis: Identify skill gaps through exams and performance reviews.
- Training Objectives: Develop SMART (Specific- Measurable- Achievable- Relevant- Time-bound) objectives.
B. Training Design and Delivery
- Training Methods: Use classroom- e-learning- and on-the-job training approaches.
- Adult Learning Principles: Apply theories like Knowles andragogy for effective training.
C. Training Effectiveness
- Evaluation Models: Use Kirkpatricks four levels (reaction- learning- behavior- results) to assess training impact.
- Continuous Improvement: Adjust training programs based on feedback and outcomes.
- Cognitive Levels: Mostly Application for training design and Analysis for effectiveness evaluation.
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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

