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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ISC2 CSSLP : Certified Secure Software Lifecycle Professional ACTUAL EXAM QUESTIONS

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Exam Number : CSSLP
Exam Name : Certified Secure Software Lifecycle Professional
Vendor Name : ISC2
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CSSLP test Format | CSSLP Course Contents | CSSLP Course Outline | CSSLP test Syllabus | CSSLP test Objectives

Exam Title :
ISC2 Certified Secure Software Lifecycle Professional (CSSLP)

Exam ID :

Exam Duration :
240 mins

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Pearson VUE

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ISC2 CSSLP Real Questions

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The Official (ISC)² CSSLP training provides a comprehensive review of the knowledge required to incorporate security practices – authentication, authorization and auditing – into each phase of the Software Development Lifecycle (SDLC), from software design and implementation to testing and deployment. This training course will help students review and refresh their knowledge and identify areas they need to study for the CSSLP exam.

Domain 1: Secure Software Concepts

Domain 2: Secure Software Requirements

Domain 3: Secure Software Design

Domain 4: Secure Software Implementation/Programming

Domain 5: Secure Software Testing

Domain 6: Secure Lifecycle Management

Domain 7: Software Deployment, Operations and Maintenance

Domain 8: Supply Chain and Software Acquisition

Identify the software methodologies needed to develop software that is secure and resilient to attacks.

Incorporate security requirements in the development of software to produce software that is reliable, resilient and recoverable.

Understand how to ensure that software security requirements are included in the design of the software, gain knowledge of secure design principles and processes, and gain exposure to different architectures and technologies for securing software.

Understand the importance of programming concepts that can effectively protect software from vulnerabilities. Learners will touch on courses such as software coding vulnerabilities, defensive coding techniques and processes, code analysis and protection, and environmental security considerations that should be factored into software.

Address issues pertaining to proper testing of software for security, including the overall strategies and plans. Learners will gain an understanding of the different types of functional and security testing that should be performed, the criteria for testing, concepts related to impact test and corrective actions, and the test data lifecycle.

Understand the requirements for software acceptance, paying specific attention to compliance, quality, functionality and assurance. Participants will learn about pre- and post-release validation requirements as well as pre-deployment criteria.

Understand the deployment, operations, maintenance and disposal of software from a secure perspective. This is achieved by identifying processes during installation and deployment, operations and maintenance, and disposal that can affect the ability of the software to remain reliable, resilient and recoverable in its prescribed manner.

Understand how to perform effective exams on an organizations cyber-supply chain, and describe how security applies to the supply chain and software acquisition process. Learners will understand the importance of supplier sourcing and being able to validate vendor integrity, from third-party vendors to complete outsourcing. Finally, learners will understand how to manage risk through the adoption of standards and best practices for proper development and testing across the entire lifecycle of products.

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ISC2 Professional Questions and Answers


10 Difficult Interview Questions and How to Answer Them

No result found, try new keyword!Keep studying to uncover some tricky interview questions that often stump candidates, plus tips on how to answer them with ... a holistic view that goes beyond professional achievements.

A Question and Answer Guide to Astronomy

Abbott, B. P., et al., 2016, Observation of gravitational waves from a binary black hole merger, Physical Review Letters, 116, 061102–1.

Alvarez, L. W., et al., 1980, Extraterrestrial cause for the Cretaceous–Tertiary extinction, Science, 208, 1095.

Batygin, K. and Brown, M. E., 2016, Evidence for a distant giant planet in the solar system, The Astronomical Journal, 151, 22.

BBC, 1949, The Listener, 41, 567.

Bell, E. A., Boehnke, P., Harrison, M. T., and Mao, W. L., 2015, Potentially biogenic carbon preserved in a 4.1 billion-year-old zircon, Proceedings of the National Academy of Sciences, 112, 14518.

Berger, A. and Loutre, M. F., 2002, Climate: an exceptionally long interglacial ahead?, Science, 297, 1287.

Bernstein, M., 2006, Prebiotic materials form on and off the early Earth, Philosophical Transactions of the Royal Society B, 361, 1689.

Bidle, K. D., Lee, S., Marchant, D. R., and Falkowski, P. G., 2007, Fossil genes and microbes in the oldest ice on Earth, Proceedings of the National Academy of Sciences, 104, 13455.

Brohan, P., et al., 2006, Uncertainty estimates in regional and global observed temperature changes: a new dataset from 1850, Journal of Geophysical Research, 111, 1.

Butikov, E. I., 2002, A dynamical picture of the oceanic tides, American Journal of Physics, 70, 1001.

Caputi, K. I., et al., 2015, Spitzer bright, UltraVISTA faint sources in cosmos: the contribution to the overall population of massive galaxies at z = 3–7, The Astrophysical Journal, 810, 73.

Christian, C. A., 2015, Citizen science with Hubble Space Telescope data, Computing in Science and Engineering, 17, 12: http://dx.doi.org/10.1109/MCSE.2015.42.

Dercourt, J., 2003, Le temps de la Terre, une aventure scientifique, Discours à l’Académiedes Sciences.

Diehl, R., et al., 2006, Radioactive Al-26 and massive stars in the Galaxy, Nature, 439, 45.

Dohrn-van Rossum, G., 1996, History of the Hour Clocks and Modern Temporal Orders, Chicago, IL: University of Chicago Press.

Douglas, B. C., Kearney, M. S., and Leatherman, S. P., 2001, Sea Level Rise: History and Consequences, New York: Academic Press.

Espenak, F. and Meeus, J., 2006, Five millennium canon of solar eclipses: –1999 to +3000, NASA Technical Publication, TP-2006-214141.

England, P., Molnar, P., and Richter, F., 2007, John Perry’s neglected critique of Kelvin’s age for the Earth: a missed opportunity in geodynamics, GSA Today, 17, 4.

Frebel, A., et al., 2007, Discovery of HE 1523–0901, a strongly r-process enhanced metal-poor star with detected uranium, The Astrophysical Journal, 660, L117.

Glazebrook, K., et al., 2004, The Gemini Deep Deep Survey: III. The abundance of massive galaxies 3–6 billion years after the Big Bang, Nature, 430, 181.

Goldsmith, D. and Owen, T., 2002, The Search for Life in the Universe, Sausalito, CA: University Science Books.

Grealy, A., Macken, A., Allentoft, M., et al., 2016. An test of ancient DNA preservation in Holocene–Pleistocene fossil bone excavated from the world heritage Naracoorte Caves, South Australia, Journal of Quaternary Science, 31, 33–45.

Gribbin, J. R. and Plageman, S. H., 1976, Jupiter Effect: The Planets as Triggers of Devastating Earthquakes, London: Random House.

Hawking, S., 2001, The Universe in a Nutshell, New York: Bantam.

Hoyt, D. V. and Schatten, K. H., 1998, Group sunspot numbers: a new solar activity reconstruction, Part I, Solar Physics, 179, 189; Part 2, 181, 491.

Hubble, E., 1947, The 200 inch telescope and some problems it may solve, Publications of the Astronomical Society of the Pacific, 59, 349.

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Johnson, A. P., et al., 2008, The Miller volcanic spark discharge experiment, Science, 322, 404.

Kopp, R. E., et al., 2016, Temperature-driven global sea-level variability in the Common Era, Proceedings of the National Academy of Sciences, 10, 1073.

Kring, D. A. and Durda, D. D., 2002, Trajectories and distribution of material ejected from the Chicxulub impact crater: implications for post-impact wildfires, Journal Geophysical Research, 107, 6–1.

Lachièze-Rey, M. and Luminet, J.-P., 1998, Figures du ciel, Paris: Bibliothèque nationale de France, 286.

Lu, E. T. and Love, S. G., 2005, Gravitational tractor for towing asteroids, Nature, 438, 177.

Navarro-González, R., et al., 2003, Mars-like soils in the Atacama Desert, Chile, and the dry limit of microbial life, Science, 302, 1018.

Planck Collaboration, 2015, Planck 2015 results. XIII. Cosmological parameters, arXiv:1502.01589. Bibcode:2015arXiv150201589P.

Racine, R., 2004, The historical growth of telescope aperture, Publications of the Astronomical Society of the Pacific, 116, 77.

Reber, G., 1944, Cosmic static, The Astrophysical Journal, 100, 279.

Schaefer, B. E., 1988, The astrophysics of suntanning, Sky & Telescope (June issue), 596.

Schopf, J. W., 2006, Fossil evidence of archaean life, Philosophical Transactions of the Royal Society, B, 361, 869.

Schrödinger, E., 1944, What is Life?, reprinted Cambridge University Press, 2002.

Smith, I. B., et al., 2016, An ice age recorded in the polar deposits of Mars, Science, 352, 1075.

Sobral, D., et al., 2015, Evidence for Pop III-like stellar populations in the most luminous Ly α emitters at the epoch of reionization: spectroscopic confirmation, The Astrophysical Journal, 808, 139.

Trehub, A., 1991, The Cognitive Brain, Cambridge, MA: MIT Press.

van Dishoeck, E. F., et al., 2014, Water: from clouds to planets, in Protostars and Planets VI, Beuther, Henrik, Klessen, Ralf S., Dullemond, Cornelis P., and Henning, Thomas (eds.), Tucson, AZ: University of Arizona Press, 835.

Vreeland, R. H., et al., 2000, Isolation of a 250 million-year-old halotolerant bacterium from a primary salt crystal, Nature, 407, 897.

Ward, P. D. and Brownlee, D., 2000, Rare Earth: Why Complex Life is Uncommon in the Universe, New York: Copernicus Books.

Wright, E. L., 2006, A cosmology calculator for the World Wide Web, Publications of the Astronomical Society of the Pacific, 118, 1711.

Questions and answers from the ‘Car Doctor’

Q. I enjoy your column and have a question of my own regarding my 2013 Ford Escape with 41,000 miles. Recently I had the annual state vehicle inspection, tire rotation and fluid changes at my Ford dealer. Everything passed inspection but the service manager advised that some of the car’s lug nuts were swollen. He said if I had a flat tire the lug nut may not come off and the car would have to be towed for service. (I have AAA 100-mile towing) Never heard of this problem before and did some research on the internet. It is apparently a common occurrence with my model vehicle and some other Fords from the same time period. Ford was contacted by several owners but gave no relief. Is this something that I should pursue through Ford channels or just suck it up and pay the price for replacement myself? They did not tell me how many lug nuts were involved but I would replace all of them at the same time.

A. This is quite common on lug-nuts that use an aluminum or chrome cap over the steel lug-net. I have seen these designs used on a variety of vehicles including my own little boat trailer. Rust forms under the cap and causes the lug-nuts to become swollen. When this happens, a standard socket is in some cases impossible to get on the lug-nut. My suggestion would be to replace all the lug-nuts with a one-piece design. You can find one piece lug-nuts online, a custom wheel and tire shop or Dorman corporation that develops repair solutions for just these kinds of problems.

Q. I need a remote starter install in my 2020 Toyota RAV4. The dealer quoted me a very expensive price and warned me about possible warranty issues if someone else installs it. Where should I take it to ensure that I have the installation done right?

A. Any quality automotive electronics shop should be able to install a remote starter in your RAV4. Some independent repair shops will also do the installation, but I prefer the electronics shop, since they normally will have additional wiring harnesses, relays or switches on-hand for a professional installation. Regarding warranty, you are protected by the Magnuson–Moss Warranty Act. The law clearly suggests warranties by vehicle manufacturers cannot be void if a consumer uses another manufacturer’s parts.

Q. My 84-year-old husband’s 2005 Dodge Dakota will not pass inspection at the end of September due to rust underneath. A local body shop will look at it and let him know if it is worth fixing. The mileage is under 85,000, and when he bought it in 2007 it had about 23,000 miles on it. So, you can see how little he drives it. It is not garaged; they live on Long Island, and the truck came from Michigan. My first question is it worth fixing a 2005? My second question is what the estimated cost would be (ballpark figure)?

A. Without inspecting the truck, it is hard to determine the cost of a repair. But if I had to guess. You are probably looking at $2-3000 to repair the rust if sections of the frame can be capped and welded. If the entire frame needs replacement, $10,000 or more and that is if a frame is even available. I would try a welding shop to see if they can patch it or a body shop for a full frame replacement. Regarding is it worth it, if the rest of the truck is outstanding, maybe yes, but if it is a typical Dodge Dakota, with age related mechanical issues and body rust, this may be a case of throwing good money after bad.

Q. My 1988 Lincoln Town Car, door lock control will not open back door locks, also the ventilation fan does not work and lastly there is a gas smell. I replaced all the gas lines and the gas tank. The car has only 68,000 miles on it and needs bodywork. What should I do?

A. Well, it sounds like age is certainly affecting your 35-year-old car much more than mileage. The gas smell could be an over saturated evaporative emissions canister or a leaking throttle body (part of the fuel system) or fuel pump. The window issue could be wiring, or the master control switch and the fan could be a faulty fan, fuse, wiring or the switch. At this point if it were my car, even with the low mileage I would take it to a trusted shop and spend an hour or two worth of labor and have an overall evaluation of the car to see what else is going on. If the gas lines rusted out, it is possible the brake lines and transmission lines are also very rusty and even the frame could be starting to rot away. It may be time to let your Town Car go.

Q. My 2008 Suzuki XL7 has nearly 200,000 miles but runs great. The issues are the check engine light is on, the RPMs dip and vary. I am thinking of a good tune up and maybe the timing belt could be changed? The car resides and is registered in Florida, so I am not concerned with state inspection, but would like the car to run properly and be safe. Where should I bring it for repairs?

A. The engine in the Suzuki XL7 uses a chain not a belt, not saying it could not be worn, but it is not normal maintenance. If the timing chain does need replacement, it is expensive, taking nearly 12 hours labor to complete. The idle speed variation could be worn plugs, lazy oxygen sensor or a vacuum leak. If you need a garage in Florida or anywhere, go to aaa.com/repair to find a local AAA Approved Auto Repair shop near you.

Got a car question, email the Car Doctor for a personal reply. jpaul@aaanortheast.com


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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 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.


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:


  • 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


  • 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