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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Banking CRCM : Certified Regulatory Compliance Manager ACTUAL EXAM QUESTIONS

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Exam Number : CRCM
Exam Name : Certified Regulatory Compliance Manager
Vendor Name : Banking
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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

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Banking Certified exam

Personal check vs. certified check vs. cashier’s check

Who wants to use a check? Quite a few people, thank you very much.

Total check payments hit $27.23 trillion in 2021, according to the Federal Reserve, or about 21% of all non-cash payment values. That ain’t all grandma birthday presents. (That same report from the Fed showed that as the average check volume has increased, the number of checks used is dwindling.)

Checks, then, are an important, albeit dwindling, form of payment that you’ll probably end up using from time-to-time. The key is to know the different types of checks at your disposal, when to deploy which one and what costs are involved.

What is a personal check?

Roughly one thousand years ago, an Iranian traveler named Nasir-i Khosrau made use of a sakk – written instructions from a merchant telling his bank to make a payment from his account.

Checks look much different today, but the basic concept has held constant.

At its core, a personal check is a declaration of payment from the issuer to the payee that orders a financial institution to pay the amount of money noted on the check to the person who’s named as the recipient of the check.

The party writing the check only has a few clear obligations to get the payment process rolling, including:

Writing in legible, dark ink.

Writing the current date on the date line in month-day-year format.

Adding the payee’s name next to “Pay to the order of.”

Writing the numeric value of the check in the box with a dollar sign ($19.99).

Spelling out the value on the “Dollar amount” line, with cents expressed as a fraction (Nineteen dollars and 99/100).

Signing on the “Signature” line.

You can also add any clarifying note to the payee on the “Memo” line in the lower left, such as “for services rendered.”

The check can be cashed at the bank that issues the check (where the bank may charge a small fee if the payee doesn’t have an account at the bank) or be deposited at the recipient’s bank, where typically the payee typically must wait one to two business days for the check to clear for domestic banks. If the check is international it may take up to six weeks to be available, sometimes longer.

Some retailers, especially big box stores and major grocery store chains, will also allow you to either cash a personal check (again, with a modest service fee attached) or pay for goods with a personal check.

While historically bank customers had to pay for their checks, and many still do, many banks, such as Ally and Chase, issue checks gratis.

What is a cashier’s check?

Banks and credit unions also offer cashier’s checks where the funds needed are backed by the issuing bank and not the customer’s bank account. These checks often used for big-ticket purchases, like a new home or a new vehicle.

To get a cashier’s check you’ll need to go to the bank with your government-issued ID, the name of the person you are paying, the exact amount you wish to pay and any memo note you want to include.

Once at the bank, you’ll speak to a teller who will create the check and the funds will be withdrawn from your account, or you can pay cash. The bank will hold these funds until the check is cashed.

You’ll receive the check and a receipt. For security’s sake, hang on to the receipt until the check clears.

Expect to pay a service fee of around $10 to $15, although fee figures may waver from bank to bank, and some financial institutions do offer free cashier’s checks to regular customers.

What is a certified check?

Payment recipients who want to be sure an incoming check is legitimate can request a certified check. Like a cashier’s check, a certified check is usually used for a large purchase.

With a cashier’s check, the funds are drawn from the bank’s account. A certified check, on the other hand, is drawn on from a personal account. Still, a certified check shows that the bank Verified the funds were in the account at the time of issue. The funds are ‘earmarked’ for payment of the check.

By having the paying bank certify the check is coming from a bank account with enough money to cover the purchase, that payee has less risk of experiencing a bounced check.

To get a certified check, the payer must have an account at the bank that issues the certified check. Most banks require you to go to the branch in person to get a certified check. This is because it physically stamps your paper check, so it will need you to provide a check from your checkbook. If you are unable to visit your bank in person, call and see it is able to do it over the phone.

When you go to your bank to get a certified check, you’ll need a government-issued ID and your checkbook. You will fill out the check at the bank in front of the teller and he or she will stamp the check to certify that you have the funds in your account to cover the check.

Also, be prepared to pay the issuing bank or credit union a service fee of between $10 and $20, depending on the financial institution.

Major differences between a personal check, cashier’s check and a certified check

A personal check is a form of payment where the payer issues a paper statement with a specific payment amount, a specific date and the names of the payee and payer included on that statement.

Unlike cashier’s checks or certified checks, there is no certain the check won’t bounce due to insufficient funds which represents a risk to the payee. This is why so many personal checks are used for more modest financial amounts.

A cashier’s check guarantees there are sufficient funds in the account to cover a payment. It does so by immediately withdrawing the funds from the customer’s account and using funds from the financial institution’s own account.

A certified check also guarantees there’s enough funds in an account to cover a check payment, but it is restricted to using funds only from the paying customer’s account. The money is not withdrawn from the customer’s account until the certified check is cashed.

Check fraud

In 2022, U.S. banks and credit unions filed 459,851 “suspicious activity reports” for check fraud, according to the Richmond Federal Reserve. That’s significantly up from 249,812 SARs filed in 2021.

Identity thieves can easily access the information that shows up on a personal check, such as name, address and a financial institution’s routing number. Stolen checks often come right out of USPS mailboxes.

Once that data winds up in a fraudster’s hands, it’s relatively easy for criminals to misrepresent themselves to financial institutions and write fraudulent checks or forge checks in another person’s name. The way banks and credit unions operate, it may take weeks for financial institutions to flag a check fraud case, and by that time, the perpetrators are long gone.

Another common check fraud scheme is to approach victims online and ask the victim to deposit a check and return some of the funds back to the fraudster. The victim sends the fraudster money and then the check bounces. Leaving the victim out whatever funds they had sent. This scam resulted in $770 million in losses in 2021.

To prevent check fraud, consumers should never share personal data with anyone they don’t know and never respond to email or texts asking for personal data.

If you do accept a check from a stranger, do not agree to return funds to them. You can also call the issuing bank and verify that the funds are available before depositing a check.

If the bank cannot verify the certified or cashier’s check there’s a good chance fraud is involved. In that scenario, don’t accept the check and report the incident to the bank that issued the check and report it to your own bank, as well.

Frequently Asked Questions (FAQs)

How much time do I have to cash a personal check?

Personal, business and payroll checks are typically valid for 180 days. Some checks will state on the check that it is good for 90 days.

How do you write a personal check?

Take a check in your name from your bank and write the date, the name of the payee, the amount (both numerically and alphabetically), your signature and, on the lower left side of the check, write a note on why the check was written. Keep records of all checks in case you need clarification later on.

Does a personal check or cashier’s check clear faster?

Cashier’s checks always clear in one business day. Some personal checks do clear in a day, but many personal checks take several days to clear. International checks may take weeks to clear.

Which type of check is safest?

Both certified checks and cashier’s checks are guaranteed by banks and thus are safer and more reliable than personal checks.

A former Wall Street bond trader, Brian O’Connell is the author of two best-selling books; “The 401k Millionaire” and “CNBC’s Creating Wealth.” His bylines include TheStreet.com, Forbes, The Wall Street Journal, U.S. News & World Report, Fox Business, and The Motley Fool, among others. With 20 years of experience covering business news and trends, particularly in the business and financial sectors, he believes education is the best gift a financial consumer can receive–and brings that philosophy to every story he writes.

Taylor Tepper is lead editor for banking at USA Today Blueprint and is an award-winning journalist and former senior staff writer at Forbes Advisor, Wirecutter/New York Times and Money magazine. His work has also appeared in Fortune, Time, Bloomberg, Newsweek and NPR. He lives in Dripping Springs, TX with his wife and 3 kids and welcomes bbq tips.

CBK compliance officer earns National certification

By Jane Deterdingwww.CitizensBankofKansas.comjane@cbok.com

Bobbi Jo Dixon, Vice President, Compliance Officer and BSA Officer of Citizens Bank of Kansas, was recently awarded the Certified Regulatory Compliance Manager (CRCM) professional designation from the American Bankers Association.

The CRCM certification is awarded to individuals who demonstrate excellence in the field of bank regulatory compliance. To qualify for the CRCM certification, individuals must have certain levels of experience and education in the compliance profession, pass an examination, and agree to abide by a code of ethics. The CRCM test covers regulatory requirements as they relate to credit, deposits/securities, safety and soundness, information reporting and corporate responsibility. ABA Professional Certifications formally recognize those who meet the standards of knowledge in specialty areas and meet professional continuing education and development requirements.

Dixon joined the compliance department of Citizens Bank of Kansas in 2014 and has two decades of experience in banking and compliance. She is a graduate of Sterling College, and serves as Chair of Heartland Compliance, a consortium of regional bank compliance officers.

“Bobbi Jo Dixon is well known and respected in the banking community for her skills as a compliance and bank security officer,” said Kyle Russell, President of Citizens Bank of Kansas. “Earning the CRCM certification validates everything they know about Bobbi Jo’s capabilities, knowledge, and experience. They are lucky to have Bobbi Jo on their staff and congratulate her for this well-deserved recognition.”

ABA Professional Certifications promote the highest standards of performance in the financial services industry by validating individuals’ knowledge and expertise. For more information, call 202-663-5092 or visit www.aba.com/certifications.

Celebrating its 100-year anniversary of family ownership and management in 2022, Citizens Bank of Kansas takes pride in being the family-owned neighborhood bank for its customers for five generations. CBK has banking facilities throughout south central Kansas and has a strong tradition of community service. Learn more at www.CitizensBankofKansas.com.

Reference exchange rate up 56 VND on August 24

Hanoi (VNA) - The State Bank of Vietnam set the daily reference exchange rate at 23.898 VND/USD on August 24, up 56 VND from the previous day.

With the current trading band of +/- 5%, the ceiling rate applicable for commercial banks during the day is 25,230 VND/USD and the floor rate 22,840 VND/USD.

At commercial banks, the opening-hour rates increased.

At 8:40 am, Vietcombank listed the rates at 23,800 VND/USD (buying) and 24,170 VND/USD (selling), both up 80 VND from August 23.

BIDV also added 65 VND to both rates, listing the buying rate at 23,840 VND/USD and the selling rate at 24,140 VND/USD./.

VNA

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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