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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CSP CSWIP : Certification Scheme for Welding and Inspection Personnel 3.1 ACTUAL EXAM QUESTIONS

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Latest 2023 Updated CSP Certification Scheme for Welding and Inspection Personnel 3.1 Syllabus
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Exam Number : CSWIP
Exam Name : Certification Scheme for Welding and Inspection Personnel 3.1
Vendor Name : CSP
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CSWIP test Format | CSWIP Course Contents | CSWIP Course Outline | CSWIP test Syllabus | CSWIP test Objectives

The CSWIP Welding Inspector course is designed for inspection engineers and supervisory staff. Those with little or no previous welding experience are advised to attend the Certificate in Visual Inspection of Welds course to prepare for this course.

Welding Inspector for a minimum of 3 years with experience related to the duties and responsibilities listed in Clause 1.2.2 of CSWIP document WI-6-92, under qualified supervision, independently Verified OR Certified Visual Welding Inspector for a minimum of 2 years with job responsibilities in the areas listed in 1.2.1 and 1.2.2 of CSWIP document WI-6-92 OR Welding Instructor or Welding Foreman/Supervisor for a minimum of one year

Welding Inspector (Level 2)

2.1 test format

Theory Part A2: General Welding Theory, Product Technology and NDT

30 multiple choice questions. Time allowed 45 minutes.

Theory Part B2: Specific Welding Technology.

60 multiple choice questions. Time allowed 1hr 30 mins.

Practical Part A2: Inspection of a plate butt weld to a code provided by the Test Centre. Time allowed 1hr 15 mins.

Practical Part B2: Inspection of a pipe butt weld to to a code provided by the Test Centre. Time allowed 1hr 45 mins.

Practical Part C2: Inspection of a set of destructive test samples to a code provided by the Test Centre (two macros, two bends or two fractures). Time allowed 45 mins.

Passmark for all parts is 70%.

2.2 Subjects

Candidates will need to demonstrate a knowledge of the Visual Welding Inspector (Level 1) syllabus plus:

i) Materials

• Size: thicknesses, lengths, diameters

• Type: grade composition against documentation

• Condition: cleanliness and surface for welding

• Heat treatment condition and distortion

The effect of composition, thickness and hydrogen on welding of certain grades of steel. The techniques and control used to avoid hydrogen induced cracking and lamellar tearing.

Post weld heat treatment, its conduct and control.

j) Welding processes

The effect of variations in welding parameters. The influence of process on appearance and penetration, and centreline cracking. British, American and ISO symbols on drawings.

k) Welding procedures and welder approvals and their control

The essential features of a procedure.

British, European, American and other systems of procedure and welder approval and appropriate documentation.

l) Quality control of welding

The implementation of quality controls and inprocess inspection. Organisation and records.

m) Destructive tests

The selection and purpose of all destructive tests specified in standards. Assessment of results.

n) Non-destructive testing

The methods, capabilities and limitations, and exams of reports related to penetrant, magnetic particle, radiographic and ultrasonic testing of parent materials and welded joints.

o) Weld defects

Identification of defects. Reasons for their occurrence and acceptance.

p) Distortion

The influence of welding techniques on distortion.

The control of distortion. The influence of heat treatment and machining.

q) Reporting

The preparation of technical reports on all aspects of inspection referred to above.

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CSP Scheme Latest Questions

Residents question schemes

A survey of Banbury residents has raised a question mark over the need for cycle lanes and bus priority schemes favoured by road planners.

It also revealed support for campaigners trying to stop a huge new housing estate being built in Bodicote.

The figures have come from an analysis of survey forms sent out by Banbury Town Council before Christmas. The forms went to every tenth house, and 2,515 people answered questions on aspects of life in Banbury.

After Easter, work begins on installing traffic calming measures and cycle lanes in South Bar, Horsefair and North Bar. Bus priority schemes are planned for George Street and Middleton Road, and other costly cycle lanes are already in place.

But only 3.8 per cent of people surveyed said they cycled around town and just 4.5 per cent used public transport. Nearly two-thirds of people said they travelled by car or van, while almost 20 per cent walked.

There was support for campaigners fighting a proposed 890-house development on the south of the town next to Bankside.

Only 10.7 per cent of those surveyed were in favour of large new estates, while 66 per cent wanted houses to be built in small groups, and 47 per cent thought there should no more new houses.

The survey showed vandalism concerned more people (84 per cent) than any other problem, with theft (73 per cent), and drunkeness (60 per cent), the other main issues.

The quality of life in Banbury is better than ten years ago, according to 47 per cent of people, and nearly 94 per cent said the town's shops were good or reasonable.

The survey forms are still being analysed and further details will be released later. Every household that returned a completed survey form was entered in a free draw for a £250 Debenhams shopping voucher, won by James Ross, of Gillette Close.

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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