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 : CPQ-201
Exam Name : Salesforce CPQ Admin Essentials for New Administrators
Vendor Name : Salesforce
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CPQ-201 test Format | CPQ-201 Course Contents | CPQ-201 Course Outline | CPQ-201 test Syllabus | CPQ-201 test Objectives
Exam Specification: CPQ-201 Salesforce CPQ Admin Essentials for New Administrators
Exam Name: CPQ-201 Salesforce CPQ Admin Essentials for New Administrators
Exam Code: CPQ-201
Exam Duration: 90 minutes
Passing Score: 65%
Exam Format: Multiple-choice
Exam Delivery: Proctored online or at a testing center
Course Outline:
1. Introduction to Salesforce CPQ
- Overview of Salesforce CPQ and its benefits
- Key features and capabilities of Salesforce CPQ
- Introduction to the CPQ administration interface
2. Product Setup and Configuration
- Creating and managing products in Salesforce CPQ
- Configuring pricing rules and discount schedules
- Defining product bundles and options
3. Pricing and Quote Creation
- Managing price lists and price books
- Creating and customizing quote templates
- Configuring quote line editors and quote line fields
4. Quote Calculation and Pricing
- Understanding quote calculation and pricing methods
- Configuring price rules and pricing strategies
- Implementing pricing and discounting formulas
5. Quote Document Generation and Delivery
- Generating and customizing quote documents
- Configuring document templates and merge fields
- Emailing and delivering quotes to customers
6. Contract Management and Renewals
- Setting up contract management in Salesforce CPQ
- Configuring contract templates and terms
- Managing contract renewals and amendments
7. Reporting and Analytics
- Utilizing standard and custom reports in Salesforce CPQ
- Analyzing sales and quoting performance
- Monitoring key metrics and generating dashboards
Exam Objectives:
1. Understand the fundamentals and benefits of Salesforce CPQ.
2. Configure and manage products in Salesforce CPQ.
3. Set up pricing rules and discount schedules.
4. Create and customize quotes using Salesforce CPQ.
5. Calculate and apply pricing and discounts accurately.
6. Generate and deliver quote documents to customers.
7. Manage contracts and renewals in Salesforce CPQ.
8. Utilize reporting and analytics features in Salesforce CPQ.
Exam Syllabus:
Section 1: Introduction to Salesforce CPQ (10%)
- Overview of Salesforce CPQ and its benefits
- Key features and capabilities of Salesforce CPQ
- CPQ administration interface overview
Section 2: Product Setup and Configuration (20%)
- Creating and managing products in Salesforce CPQ
- Configuring pricing rules and discount schedules
- Defining product bundles and options
Section 3: Pricing and Quote Creation (15%)
- Managing price lists and price books
- Creating and customizing quote templates
- Configuring quote line editors and fields
Section 4: Quote Calculation and Pricing (20%)
- Quote calculation and pricing methods
- Configuring price rules and pricing strategies
- Implementing pricing and discounting formulas
Section 5: Quote Document Generation and Delivery (15%)
- Generating and customizing quote documents
- Configuring document templates and merge fields
- Emailing and delivering quotes to customers
Section 6: Contract Management and Renewals (10%)
- Setting up contract management in Salesforce CPQ
- Configuring contract templates and terms
- Managing contract renewals and amendments
Section 7: Reporting and Analytics (10%)
- Utilizing standard and custom reports in Salesforce CPQ
- Analyzing sales and quoting performance
- Monitoring key metrics and generating dashboards
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Salesforce New syllabus
Salesforce Tower Camera 4COVID hospitalizations up 60% in last monthCOVID-19 hospitalizations rose about 60% in the first week of August compared to just a month ago, according to CDC data. With the new COVID booster likely to be rolled out as early as mid-September, medical experts are advising the public to get both their flu and COVID booster shots. Errol Barnett has more. Hackers exploited Salesforce zero-day in Facebook phishing attackHackers exploited a zero-day vulnerability in Salesforce's email services and SMTP servers to launch a sophisticated phishing campaign targeting valuable Facebook accounts. The attackers chained a flaw dubbed "PhishForce," to bypass Salesforce's sender verification safeguards and quirks in Facebook's web games platform to mass-send phishing emails. The benefit of using a reputable email gateway like Salesforce to distribute phishing emails is the evasion of secure email gateways and filtering rules, ensuring that the malicious emails reach the target's inbox. The campaign was discovered by Guardio Labs analysts Oleg Zaytsev and Nati Tal, who reported the unknown vulnerability to Salesforce and helped them with the remediation process. However, the discovered issues in Facebook's game platform are outstanding, as Meta's engineers are still trying to figure out why the existing mitigations failed to stop the attacks. PhishForce abused in attacksThe Salesforce CRM allows customers to send emails as their own brand using custom domains that the platform must first verify. This protects customers from sending out emails through Salesforce as other brands that they do not have permission to impersonate. However, Guardio Labs says the attackers figured out a way to exploit Salesforce's "Email-to-Case" feature, which organizations use for converting incoming customer emails to actionable tickets for their support teams. Specifically, the attackers set up a new "Email-to-Case" flow to gain control of a Salesforce-generated email address, then created a new inbound email address on the "salesforce.com" domain. Next, they set that address as an "Organization-Wide Email Address," which Salesforce's Mass Mailer Gateway uses for outbound emails, and finally went through the verification process to confirm ownership of the domain. This process allowed them to use their Salesforce email address to send out messages to anyone, bypassing both Salesforce's verification protections and any other email filters and anti-phishing systems in place. Indeed, this is what Guardio Labs observed in the wild, with phishing emails that supposedly came from "Meta Platforms" using the "case.salesforce.com" domain. Clicking on the embedded button takes the victim to a phishing page hosted and displayed as part of the Facebook gaming platform ("apps.facebook.com"), which adds further legitimacy to the attack and makes it even harder for the email recipients to realize the fraud. The goal of the phishing kit employed in this campaign is to steal Facebook account credentials, even featuring two-factor authentication bypassing mechanisms. Meta still investigatingAfter confirming the issues by replicating the creation of a Salesforce-branded address capable of disseminating phishing emails, Guardio Labs notified the vendor of their discovery on June 28, 2023 Salesforce reproduced the vulnerability and resolved the problem exactly a month later, on July 28, 2023. Regarding the abuse of "apps.facebook.com," Guardio Labs notes that it should be impossible for the attackers to create the game canvass used as a landing page since Facebook retired this platform in July 2020. However, legacy accounts that used the platform before its deprecation still have access, and threat actors might be paying a premium for those accounts on the dark web. Meta removed the violating pages upon Guardio Labs' report; however, its engineers are still investigating why existing protections failed to stop the attacks. As phishing actors continue to explore every potential abuse opportunity on legitimate service providers, novel security gaps constantly threaten to expose users to severe risks. Thus, it is essential not to rely solely on email protection solutions, and also scrutinize every email that lands on your inbox, look for inconsistencies, and double-check all claims made in those messages. PhishForce: New phishing attack involving Salesforce and Facebook uncoveredA new, unpatched exploit that involves a sophisticated email phishing campaign has been discovered by security researchers at Guardio Labs. The targets are Salesforce Inc. customers, and the threat involves spoofing the company’s email servers and domain names. The process of finding and fixing the issue reveals a lot about how security teams can work together to fight phishing. Called PhishForce, the attack is quite clever, designed to avoid detection by both Salesforce and Meta Platforms Inc.’s Facebook. It uses an old technique: sending malicious emails and hiding them inside ordinarily trusted mail gateways so that the emails won’t be challenged by protective shields. The researchers found a single questionable email message, as shown in the screen capture below, that triggered their investigation. The circled part of the message shows an “@salesforce.com” domain, but labeled as coming from “Meta Platforms.” That should be the tipoff that this is a phishing email. The big blue button is also mislabeled with “Request a Review.” It doesn’t: By clicking on this button, a user is sent to a phishing page that’s designed to grab their Facebook account details. The second tipoff is that the phishing page is hosted by Facebook and is supposed to be some sort of game. Yet the page has other content that has nothing to do with games. This is where the clever part comes into play: The malicious email has a legitimate link to facebook.com and is sent from a legitimate email address of salesforce.com, using its legit email gateway services. Essentially, the malicious email is hiding beneath this patina of respectability. The researchers found that the attackers did something else that tied everything together. It took advantage of a trouble-ticketing system to use the email address “case.salesforce.com” – which normally is used to receive emails – but to send the emails instead. This sounds simple, but the role reversal is key to how the entire attack happened. Guardio notified Salesforce at the end of June, and the vulnerability was fixed within a month and deployed across the company’s infrastructure. It also contacted Facebook, which then removed the malicious gaming accounts. “The Salesforce security team was effective and responsive, taking these kinds of issues very seriously and prioritizing it accordingly,” the researchers said in their blog post Wednesday describing the exploit. “Bad actors are continuously testing the limits of email distribution infrastructure and existing security measures. [Service providers should] take proactive steps to keep scammers away from secure and reputable mail gateways.” The battle against phishing will no doubt continue. The takeaway from PhishForce is to be always watching for elements that don’t quite add up, and also never to assume that email is harmless just because it originates from a legit domain. Images: Pixabay, Guardio Labs Your vote of support is important to us and it helps us keep the content FREE. One-click below supports their mission to provide free, deep and relevant content. Join their community on YouTube Join the community that includes more than 15,000 #CubeAlumni experts, including Amazon.com CEO Andy Jassy, Dell Technologies founder and CEO Michael Dell, Intel CEO Pat Gelsinger and many more luminaries and experts.“TheCUBE is an important partner to the industry. You guys really are a part of their events and they really appreciate you coming and I know people appreciate the content you create as well” – Andy Jassy THANK YOU |
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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