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 CRCM?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CRCM: Certified Regulatory Compliance Manager Prüfung.

2023 Updated Actual CRCM questions as experienced in Test Center

Laden Sie CRCM Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Certified Regulatory Compliance Manager practice questions with Latest CRCM practice exams | https://www.easyfinanz.cc/

Banking CRCM : Certified Regulatory Compliance Manager test Dumps

Exam Dumps Organized by Martha nods



Latest 2022 Updated Syllabus
CRCM test Dumps | Latest Braindumps with real Questions

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



CRCM demo Questions : Download 100% Free CRCM test Dumps (PDF and VCE)

Exam Number : CRCM
Exam Name : Certified Regulatory Compliance Manager
Vendor Name : Banking
Update : Click Here to Check Latest Update
Question Bank : Check Questions

You are going to surely cross CRCM quiz with these Dumps
If you really to demonstrate your professionalism and reliability so only Passing the CRCM examination is not enough. You should have adequate Certified Regulatory Compliance Manager comfort of knowing that will help you function in real scenarios. killexams.com especially focus to boost your knowledge concerning CRCM goals so that you not only pass the exam, yet really prepare yourself to work throughout practical environment as a expert.

A lot of up-and-comers piece of cake through CRCM test with PDF Latest Topics. It is rather uncommon which you read and also practice the CRCM Dumps and get reliant stamps or even come up small in precise tests. A huge portion of often the competitors really feel incredible advancement in their perception and finish CRCM test from their very first endeavor. It is that they learn their CRCM Actual Questions, they absolutely further acquire their perception. They can job in legitimate conditions with organizations because masters. Do not just concentrate on breezing by means of CRCM examination with their requests and responds, but absolutely further acquire information about CRCM targets and also points. It is, individuals have confidence in their CRCM Exam Cram.

A lot of people get free CRCM Dumps EBOOK from the internet and carry out a great battle to memorize individuals outdated concerns. They make an effort to save small braindumpsfee and also risk time period and test fee. Almost all of those people neglect their CRCM exam. This is certainly just because that they spent time frame on out-of-date questions and also answers. CRCM test study course, objectives and also Topics continue being to change by simply Banking. Thats the reason why continuous braindumps update is desirable otherwise, you might have entirely various questions and also answers on the test display screen. That is a large drawback of no cost PDF over the internet. Moreover, you cannot practice individuals questions along with any test simulator. You merely waste plenty of resources about outdated stuff. They would suggest in such a case, move through killexams.com to get free Study Guide before you buy. Evaluation and see all of the changes in the test topics. After that decide to sign up for full edition of CRCM Dumps. You will astonished when you will discover every one of the requests on the precise test display screen.

Saving a bit sometimes the big reduction. This is the scenario when you learn free items and try to move CRCM test. Many amazements are suspending tight to suit your needs at legitimate CRCM examination. Little economizing reason massive misfortune. An individual ought commonly to hesitation on no cost stuff whenever you will show on with CRCM examination. It is extremely hard breeze by means of CRCM examination with simply memorizing stuff or study course books. You desperately want to abilities the dangerous situations with CRCM examination. These requests are canvassed in killexams.com CRCM Exam Cram. Their CRCM questions traditional bank make your foot work for examination far very simple than recently. Simply get CRCM Study Guide and begin choosing. You will believe your perception is relocated up to a massive degree.

Popular features of Killexams CRCM Dumps
-> CRCM Dumps get Access in only 5 minutes.
-> Complete CRCM Questions Financial institution
-> CRCM test Success Warranty
-> Guaranteed True CRCM test questions
-> Most current and 2022 updated CRCM Questions and also Answers
-> Most current 2022 CRCM Syllabus
-> Obtain CRCM test Files anyplace
-> Unlimited CRCM VCE test Simulator Easy access
-> No Restrict on CRCM test Obtain
-> Great Discounts
-> 100% Safe Purchase
-> 100 % Confidential.
-> 100 % Free Actual Questions demo Inquiries
-> No Concealed Cost
-> Zero Monthly Registration
-> No Vehicle Renewal
-> CRCM test Revise Intimation by simply Email
-> Totally free Technical Support

test Fine detail at: https://killexams.com/pass4sure/exam-detail/CRCM
Pricing Facts at: https://killexams.com/exam-price-comparison/CRCM
See Full List: https://killexams.com/vendors-exam-list

Price cut Coupon about Full CRCM Actual Questions concerns;
WC2020: 60 per cent Flat Price cut on each test
PROF17: 10% Further Price cut on Valuation Greater than $69
DEAL17: 15% Further Price cut on Valuation Greater than 99 dollars







CRCM test Format | CRCM Course Contents | CRCM Course Outline | CRCM test Syllabus | CRCM test Objectives


A compliance manager's responsibilities generally include direct compliance risk program management and/or validation of compliance risk control effectiveness. The execution of operational business processes incorporating compliance risk controls is not a function or duty generally performed by a compliance manager as a normal and customary job responsibility and thus does not qualify towards meeting the experience requirement.

To satisfy the Professional Experience requirement, primary responsibility for the full range of compliance risk functions is required. Compliance risk functions include, but are not limited to:

Performing compliance risk exams, audits or examinations, or Developing, implementing, and/or managing all aspects of a compliance risk management program to ensure compliance with U.S. federal laws and regulations.
These jobs are typically found within corporate compliance, legal, audit departments (internal or external), Regulatory Agencies, or dedicated compliance practices within consulting firms. Job responsibilities must be primarily focused on compliance risk management:

Program design, implementation and oversight, Consultation as a subject-matter expert, Administration, enforcement or audit of compliance-related policies, procedures and processes to manage compliance risk, and/or test of a bank's compliance program.

Task 1: Act as a compliance subject matter expert on projects and committees.
Task 2: Evaluate development of, or changes to, products, services, processes, and systems to determine compliance risk and impacts and ensure policies remain compliant.
Task 3: Provide compliance support to internal and external parties (e.g., answer questions, review marketing and external communications, conduct research and analysis).
Task 4: Review and/or provide compliance training to applicable parties.
Task 5: Participate in conducting due diligence for vendors.
Task 6: Design and maintain a comprehensive compliance risk test program to identify and mitigate risk within the organizations risk appetite.
Task 7: Conduct compliance risk exams in accordance with the risk test program to evaluate relevant information (e.g., inherent risk, control environment, residual risk, potential for consumer harm) and communicate results to applicable parties.

The following knowledge is required to perform the tasks within Domain 1:
• All applicable laws, regulations, and guidance
Other essential CRCM knowledge:
• Risk test program scope and objectives
• Compliance risk appetite (e.g., thresholds, escalation points, pass/fail rates)
• Banks products, services, processes, market area, and operations
• Regulatory and industry landscape
• Risk rating methodology
• Key risk indicators (KRIs)
• Volume and severity of known compliance incidents, breakdowns, and/or customer complaints
• Compliance policies, procedures, and other internal controls (e.g., quality assurance, independent testing)
• Exam/audit and internal compliance monitoring results
• Volume and complexity of products, transactions, and customer base
• accurate changes to compliance regulations, key personnel, products, services, systems, and/or processes
• Volume and complexity of products and services provided by third parties

Domain 2: Compliance Monitoring (25%)
Task 1: Define the scope of a specific monitoring or testing activity.
Task 2: Test compliance policies, procedures, controls, and transactions against regulatory requirements to identify risks and potential exceptions.
Task 3: Review and confirm potential exceptions, findings, and recommendations with business units and issue final report to senior management.
Task 4: Validate that any required remediation was completed accurately and within required timelines.
Task 5: Administer a complaint management program.
Task 6: Review first line compliance monitoring results and develop an action plan as needed.
Task 7: Evaluate the reliability of systems of record and the validity of data within those systems that areused for compliance monitoring.

The following knowledge is required to perform the tasks within Domain 2:
• All applicable laws, regulations, and guidance.
Other essential CRCM knowledge:
• Regulator expectations
• Banks products, services, processes, market area, and operations
• Compliance policies, procedures, and controls
• Applicable source data
• Target audience
• Compliance risk rating methodology
• Compliance risk appetite (e.g., thresholds, escalation points, pass/fail rates)
• Complaints received internally and externally, including volumes, sources, trends, and root causes
• Regulatory expectations on complaint management program administration
• Complaint handling procedures
• Critical systems and usage by the business units
• accurate changes to critical systems or processes

Domain 3: Governance and Oversight (10%)
Task 1: Establish and maintain a compliance management policy to set expectations for board, senior management, and business unit responsibilities.
Task 2: Develop, conduct, and track enterprise-wide and/or job-specific compliance training.
Task 3: Conduct periodic reviews of the compliance management program to evaluate its effectiveness and communicate results to appropriate parties.
The following knowledge is required to perform the tasks within Domain 3:
• Regulatory expectations
• Compliance risk appetite (e.g., thresholds, escalation points, pass/fail rates)
• Banks products, services, processes, and operations
• Employee roles and responsibilities
• Compliance risk test results
• Regulatory change environment
• Compliance monitoring results
• Compliance audit/exam findings
• Compliance management policy (CMP)
• Volume and severity of known compliance incidents, breakdowns, and/or customer complaints

Domain 4: Regulatory Change Management (15%)
Task 1: Monitor and evaluate applicable regulatory agency notifications for new compliance regulations or changes to existing regulations to assess potential regulatory impacts and remediation needs.
Task 2: Assess new, revised, or proposed regulatory changes for compliance impacts, communicate to the appropriate parties, and develop action plans as needed.
Task 3: Assess regulatory guidance and compliance enforcement actions to determine if remediation is required to address potential compliance impacts.
Task 4: Report on the status of regulatory changes and implementation to appropriate parties.
Task 5: Monitor and validate action plans for confirmed regulatory impacts to ensure timely adherence to the mandatory compliance date.
The following knowledge is required to perform the tasks within Domain 4:
• All applicable laws, regulations, and guidance.
Other essential CRCM knowledge:
• Banks products, services, processes, market area, and operations
• Key stakeholders
• Timeline and extent of impact to business units
• Planned changes to critical systems
• New or revised compliance policies, procedures, controls, and training
• Changes to banks products, services, processes, market area, and operations
• Penalties and potential restitution for non-compliance
• Scope of impacts

Domain 5: Regulator and Auditor Compliance Management (11%)
Task 1: Prepare and review requested audit/exam materials to ensure timely and accurate fulfillment and self-identify potential areas of concern.
Task 2: Participate in audit/exam meetings to provide business overviews, address questions, discuss findings, or provide updates to appropriate parties.
Task 3: Review and draft responses to audit/exam results and ensure action plans are developed and communicated to appropriate parties.
Task 4: Report on action plan status to appropriate levels of management and auditors/examiners.
Task 5: Coordinate and submit ongoing regulatory reports to auditors/examiners.
The following knowledge is required to perform the tasks within Domain 5:
• All applicable laws, regulations, and guidance.
Other essential CRCM knowledge:
• Banks products, services, processes, market area, and operations
• Key stakeholders
• Compliance policies, procedures, and controls
• Critical systems and usage by the business units
• Services provided by third parties
• Compliance risk appetite (e.g., thresholds, escalation points, pass/fail rates)
• Effectiveness of actions taken
• Regulatory expectations
• Top risk, emerging risk, and areas of continued focus
• New bank products, services, processes, market area, and operations

Domain 6: Compliance Analysis and Internal/External Reporting (11%)
Task 1: Analyze and validate data to support regulatory reporting and ensure accuracy and comprehensiveness.
Task 2: Complete required reporting, ensure timely submission to the appropriate agency, and resubmit when required.
Task 3: Develop, implement, and monitor a plan of action to prevent future reporting errors or breakdowns.
The following knowledge is required to perform the tasks within Domain 6:
• CRA
• HMDA
• BSA (CTR, SARS)
• OFAC
• Regulation Z (Credit card agreements, marketing on college campuses)
• Regulation II
• Banks products, services, processes, market area, and operations
• Critical systems and usage by the business units
• Findings and root causes
• Compliance policies, procedures, and controls
• Regulator expectations
• Compliance risk appetite (e.g., thresholds, escalation points)
• Penalties and potential restitution for non-compliance
• Scope of impacts



Killexams Review | Reputation | Testimonials | Feedback


Did you attempted this exceptional source of latest dumps.
There is not a bit CRCM test material out there, so I got in advance and purchased CRCM questions and answers. In reality, it received my coronary heart with the way the statistics are prepared. And yeah, that is right: most questions I noticed on the test have been exactly what turned into provided by killexams.com. I am relieved to have passed CRCM exam.


Did you attempted this great source of CRCM updated dumps.
killexams.com Questions and Answers helped me to recognize what precisely is predicted in the test CRCM. I organized correctly inside 10 days of instruction and finished all of the questions of the test in 80 mins. It incorporates subjects similar to the test factor of view and makes you memorize all of the Topics without difficulty and correctly. It also helped me to recognize a way to control the time to complete the test before time. It is the best method.


Where will I find real test Questions & Answers of CRCM exam?
The CRCM test is supposed to be a completely difficult test to pass But I passed it the previous week in my first attempt. The killexams.com Questions and Answers guided me well and I was correctly prepared. Advice to other students - do not take this test lightly and test very well.


It changed into first revel in but tremendous enjoy!
I am extremely happy with this pack as I was given more than 96% on this CRCM exam. I concentrate on the expert CRCM guide a little. I bet killexams.com changed into my essential instructing valuable asset. I retained the majority of the questions and responses to and furthermore put the chance to in actuality perceive the possibilities and tech/practice-focused pieces of the test. I guess that via itself buying the killexams.com bundle does now not ensure that you might finish your test - and a couple of tests are extreme. in any case, in the event that you test their materials hard and actually, situated your considerations and your heart into your test direction, then, at that point, killexams.com unquestionably thumps some other test prep choices accessible out there.


Shortest questions that works in real test environment.
I am one of a number of the excessive achiever within the CRCM exam. What an outstanding Questions and Answers material they provided. Within a short time, I grasped everything on all the relevant subjects. It turned into truly extremely good! I suffered much even as prepare for my previous try, but this time I passed my test very without difficulty without anxiety and issues. It is a far honestly admirable knowledge journey for me. Thank you much killexams.com for the real resource.


Banking Manager techniques



Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning test dumps update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Of course, Killexams is 100 % legit as well as fully well-performing. There are several capabilities that makes killexams.com legitimate and authentic. It provides updated and 100 % valid test dumps made up of real exams questions and answers. Price is really low as compared to almost all of the services online. The Questions and Answers are up to date on ordinary basis through most accurate brain dumps. Killexams account setup and item delivery is incredibly fast. Document downloading can be unlimited and intensely fast. Guidance is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a sturdy website that include test 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 real test 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 get sites or reseller sites. Thats why killexams.com update test Questions and Answers with the same frequency as they are updated in Real Test. test dumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for real 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 get Account. You can get Premium test Dumps files as many times as you want, There is no limit.

Killexams.com has provided VCE practice questions Software to Practice your test by Taking Test Frequently. It asks the Real test 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 real Test. Go register for Test in Test Center and Enjoy your Success.




PEGAPCRSA80V1_2019 demo test questions | DEX-403 braindumps | 600-660 practice test | Google-AAD test prep | AZ-304 test Questions | 304-200 mock test | CTEP writing test questions | AZ-800 training material | 500-651 PDF Dumps | PSK-I online test | 300-835 free prep | 201-01 boot camp | ACT-English test tips | 500-052 certification demo | 010-111 practical test | MCPA-Level-1 test questions | H31-341-ENU Practice Questions | SAA-C02 model question | CIMAPRA17-BA3-1-ENG test results | HPE2-E75 brain dumps |


CRCM - Certified Regulatory Compliance Manager Study Guide
CRCM - Certified Regulatory Compliance Manager certification
CRCM - Certified Regulatory Compliance Manager techniques
CRCM - Certified Regulatory Compliance Manager teaching
CRCM - Certified Regulatory Compliance Manager test Cram
CRCM - Certified Regulatory Compliance Manager real Questions
CRCM - Certified Regulatory Compliance Manager techniques
CRCM - Certified Regulatory Compliance Manager education
CRCM - Certified Regulatory Compliance Manager guide
CRCM - Certified Regulatory Compliance Manager techniques
CRCM - Certified Regulatory Compliance Manager testing
CRCM - Certified Regulatory Compliance Manager test Questions
CRCM - Certified Regulatory Compliance Manager dumps
CRCM - Certified Regulatory Compliance Manager test Questions
CRCM - Certified Regulatory Compliance Manager boot camp
CRCM - Certified Regulatory Compliance Manager test contents
CRCM - Certified Regulatory Compliance Manager education
CRCM - Certified Regulatory Compliance Manager information search
CRCM - Certified Regulatory Compliance Manager guide
CRCM - Certified Regulatory Compliance Manager Study Guide
CRCM - Certified Regulatory Compliance Manager outline
CRCM - Certified Regulatory Compliance Manager test dumps
CRCM - Certified Regulatory Compliance Manager tricks
CRCM - Certified Regulatory Compliance Manager test contents
CRCM - Certified Regulatory Compliance Manager real questions
CRCM - Certified Regulatory Compliance Manager tricks
CRCM - Certified Regulatory Compliance Manager guide
CRCM - Certified Regulatory Compliance Manager PDF Questions
CRCM - Certified Regulatory Compliance Manager real Questions
CRCM - Certified Regulatory Compliance Manager test prep
CRCM - Certified Regulatory Compliance Manager questions
CRCM - Certified Regulatory Compliance Manager PDF Braindumps
CRCM - Certified Regulatory Compliance Manager test prep
CRCM - Certified Regulatory Compliance Manager Latest Questions
CRCM - Certified Regulatory Compliance Manager information search
CRCM - Certified Regulatory Compliance Manager answers
CRCM - Certified Regulatory Compliance Manager test Braindumps
CRCM - Certified Regulatory Compliance Manager syllabus
CRCM - Certified Regulatory Compliance Manager study help
CRCM - Certified Regulatory Compliance Manager test
CRCM - Certified Regulatory Compliance Manager PDF Dumps
CRCM - Certified Regulatory Compliance Manager Questions and Answers
CRCM - Certified Regulatory Compliance Manager information search
CRCM - Certified Regulatory Compliance Manager test Braindumps
CRCM - Certified Regulatory Compliance Manager test format
CRCM - Certified Regulatory Compliance Manager Latest Topics
CRCM - Certified Regulatory Compliance Manager course outline
CRCM - Certified Regulatory Compliance Manager study help
CRCM - Certified Regulatory Compliance Manager outline
CRCM - Certified Regulatory Compliance Manager Real test Questions
CRCM - Certified Regulatory Compliance Manager book
CRCM - Certified Regulatory Compliance Manager study help
CRCM - Certified Regulatory Compliance Manager learning



Best Certification test Dumps You Ever Experienced


CRCM free practice exams |





References :


https://killexams-posting.dropmark.com/817438/23289163
https://www.instapaper.com/read/1319802971
https://arfansaleemfan.blogspot.com/2020/08/crcm-certified-regulatory-compliance.html
https://www.coursehero.com/file/66444811/CRCMpdf/
https://www.4shared.com/office/Uq5H8u8Yea/Certified-Regulatory-Complianc.html
http://ge.tt/8DwOqG83
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-e2e5cb28-d663-4b39-bcdc-572f0f033141/fv-211c290c-5802-4a6d-8d21-60c7641f8019/Certified-Regulatory-Compliance-Manager-(CRCM).pdf#pageThumbnail-1
https://youtu.be/3QhKSs7bhfE
https://sites.google.com/view/killexams-crcm-questions-ans
https://justpaste.it/8tndx
http://feeds.feedburner.com/RetainTheseCciDumpsAndEnlistForTheTest
http://killexams3.isblog.net/crcm-certified-regulatory-compliance-manager-2021-updated-dumps-by-killexams-com-14624409
https://www.clipsharelive.com/video/6614/crcm-certified-regulatory-compliance-manager-2021-updated-dumps-by-killexams-com
https://ello.co/killexamz/post/cref7nvzd2fmqjxgvuwm5w
https://files.fm/f/frgtxuat7
http://killexams.decksrusct.com/blog/certification-exam-dumps/crcm-certified-regulatory-compliance-manager-question-bank-with-real-questions-by-killexams-com/



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






Direct Download

CRCM 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.

CRCM Reviews

100% Valid and Up to Date CRCM 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