Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
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Exam Number : CWM_LEVEL_II
Exam Name : Chartered Wealth Manager (CWM) Certification Level II
Vendor Name : AAFM
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CWM_LEVEL_II exam Format | CWM_LEVEL_II Course Contents | CWM_LEVEL_II Course Outline | CWM_LEVEL_II exam Syllabus | CWM_LEVEL_II exam Objectives
The objective of the Chartered Wealth Manager® Program is to equip candidates with both basic and advanced skills required by a Wealth Manager in performing his tasks and duties as a Wealth Manager, Private Banker and Wealth Advisor.
a. Acquiring core understandings in and across the disciplines that contribute to the domain of Wealth Management including Wealth Creation, Wealth Enhancement, Wealth Preservation and Wealth Transfer.
b. Relating these conceptual frameworks to dimensions of practical areas on the ground.
c. Providing candidates with opportunities to encounter and critically engage with instances of both challenging problems and attempted interventions by a Wealth Manager.
d. Engage with the complex financial markets, human attitudes and investment lifecycles.
e. Explore the ethical and personal dimensions of Wealth Advisory and understand the fiduciary responsibilities of a Wealth Manager.
UNIT 10 : Equity Analysis
UNIT 11 : Use of Alternative Products in Wealth Management
UNIT 12 : Use of Behavioral Finance in Wealth Management
UNIT 13 : Real Estate Valuation and Analysis
UNIT 14 : Relationship Management by a Wealth Manager
UNIT 15 : International Taxation
UNIT 16 : Portfolio Management Strategies
UNIT 17 : Wealth Management Planning
UNIT 18 : Advanced Wealth Management
LEVEL II – Advanced Level
-------------------------
Unit 10- Equity Analysis
Equity as an asset class always features as the first choice in almost every portfolio. Considering the importance Equity possesses in investment management space this unit would focus at enabling the investment professional understand the various aspects of Equity including Equity Analysis by Technical & Fundamental Methods. The unit would help the investment professional in analysing the equity and its related products in a comprehensive & holistic manner. The unit would enhance the knowledge of the wealth manager regarding this premier asset class so that they can comprehensively advise clients on equity investments in conjunction with risk and return parameters.
Unit 11- Use of Alternative Products in Wealth Management
This course aims at explaining and discussing the importance of alternative assets in a clients portfolio. As the market for Alternatives is growing rapidly they would try to focus on how inclusion of alternate assets has affected the risk and return composition of global clients. The unit would also focus on studying the various alternate channels of investment and their applicability globally.
Unit 12- Use of Behavioral Finance in Wealth Management
This unit is focused on behavioral and psychological factors which influences the investment decision making of a client. This unit would further exemplify how the client behavior changes to different situations prevailing in the financial markets which would help a wealth manager in evaluating how to handle and manage the clients responses. The unit would also include case studies covering the behavioral biases shown by the clients and how a wealth can approach and mitigate the same.
Unit 13- Real Estate Valuation and Analysis
The purpose of the unit is to make an investment professional gain an understanding of the economic forces that drive Real Estate asset and how the niche characteristics of real estate can provide an excellent fitment in a clients portfolio. The unit would encompass the concepts, tools, and techniques for evaluating individual real estate assets. The Unit would also feature the different mechanisms through which a wealth manager can guide his client with respect to this asset class-Direct and Indirect.
Unit 14- Relationship Management by a Wealth Manager
Relationship management is the back-bone of wealth management business so the concept of Customer relationship management (CRM) is widely implemented by wealth management business outfits for managing relationship and interactions with customers, clients and sales prospects. The unit discusses techniques to find, attract, and win new clients, nurture and retain those the wealth manager already has, entice former clients back into the fold, and reduce the costs of marketing and client service.
Unit 15- International Taxation
The unit would help the financial market and investment management professional in assessing the applicability of various taxation aspects for an individual investor before deciding on the portfolio allocation of the client in the international space. The unit would cover the tax structures in few of the prominent investment zones across the globe like US, UK, Singapore and Mauritius. The latter part of the unit would make an investment professional understand in requisite detail the implications of Tax treaties, cross border taxation and on creating tax efficient structures for tax planning in multiple jurisdictions.
Unit 16- Portfolio Management Strategies
The unit would serve as a foundation for understanding of Portfolio Management process of an individual. This unit would cover the fundamental concepts of risk and return and their application in the context of overall portfolio of a client which would help the wealth manager in making efficient asset allocation with respect to clients risk and return objectives. This endeavor of the unit would be to guide the investment professional in drafting the Investment Policy Statement which is one of the most important tool of investment advisory arena. The latter part of the book would feature the various portfolio managing strategies both for Equity as well as Debt.
Unit 17- Wealth Management Planning
This unit covers the different aspects of managing and planning wealth management business across the globe. It focuses on analyzing and studying the various key profitability drivers like Clients, Products, Distribution and Organization of any wealth management business and how each of the drivers can impact the efficiency of the business. The unit would also feature the wealth management landscape globally in different markets and with specific focus on different business models.
Unit 18- Advanced Wealth Management
This unit builds upon the foundations in Wealth Management concepts covered under CWM® Program. The unit would provide an excellent platform to the wealth manager for constructing a comprehensive Wealth Plan for his client with specific focus on each of the 6 steps of the wealth management process covered in Level 1. This unit would make the investment professional understand the application of the each of the earlier units through different enriching live case studies. The unit would also provide handful tools drafted by AAFM (Performa for Portfolio Review) which can be used by an investment professional right from the start till the end of the wealth management process.
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Google’s new feature removes personal information from search resultsAre you tired of your personal information being available on search engines? Let’s be honest. Who isn’t? Well, now Google is updating its privacy tool to make it more powerful and easier than ever to remove your personal information from their search engine. Google's 'Results about You' tool was rolled out last year. Google says it's been working hard to make things better since it first launched its software. It launched with the intention of allowing people to request the removal of personal information that pops up during Google searches. Personal information can include a phone number, email address, physical address or even unwanted images. Now, it is not possible to block your name on Google, or any other search engine such as Bing or Yahoo. However, you can request the removal of Google search results that divulge your personal information. CLICK TO GET KURT’S FREE CYBERGUY NEWSLETTER WITH SECURITY ALERTS, QUICK TIPS, TECH REVIEWS AND EASY HOW-TO’S TO MAKE YOU SMARTER It's easier than ever to get your personal information removed from Google results. (CyberGuy.com) Easily remove your personal information from GoogleThe biggest change is that now you can find your information on Google without going through the hassle of searching for it yourself. You simply enter your information, and the dashboard will compile a list of sites that contain any matches. You can then submit a request to have the information removed pronto after reviewing these pages. On Google’s hub, you can view the status of all the requests you have made. Stay up-to-date with Google’s new push notifications for personal informationAnother addition is you can now receive push notifications that alert you when new results of your information pop up on Google. This makes it much easier for you as you don’t have to constantly reenter your information in the dashboard to check for matches. These notifications will tell how many search results on the internet show your personal information. You can then take action on this information and request that the details be taken off the internet. Expanded removal guidelinesBEST PRIVATE AND SAFE ALTERNATIVES TO BIG TECH GOOGLE Google’s policies around the "results about you" feature have also shifted slightly. The removal guidelines used to only focus on information that was posted without consent. Now, they have been expanded, and personal info that you posted intentionally but later wanted to be removed is eligible for removal. Commercialized information does not fall under this category. However, there are some search results Google will not be able to remove, so be aware not all your requests will be successful. Google also will never take action against any results from governments or educational institutions. New parental control feature & SafeSearch's photo blurringThere are also new, easier-to-find parental control features and the addition of SafeSearch’s photo blurring, which will blur out potentially explicit images. If you are thinking about your family being exposed to inappropriate content, you can now preemptively censor certain things. How to request Google to remove your personal information without an accountTEN TRICKS FOR DOING AN EFFECTIVE GOOGLE SEARCH Here's the best part. You don’t even need a Google account to get rid of your own info. There’s a new form you can use all on its own to make your request. Once you send it off, Google will shoot you an email so you can keep tabs on how things are going. You’ll know if they give the green light to remove your info. If you do decide to log in, you can also see the progress on the dashboard. How to access Google’s ‘Results about you’ dashboard with an accountCurrently, this feature in Google’s "Results about you" dashboard is only available for usage in the U.S. via the Google app or Google site. Here's how to access it: Access through the Google AppBIG TECH TOOK YOUR DATA TO TRAIN AI. WE'RE SUING THEM FOR IT You can click on the link here. You can follow these steps to submit a request to remove any of your information from the web: Google's new feature to remove personal information from search results (CyberGuy.com) CLICK HERE TO GET THE FOX NEWS APP Here's how to request getting your personal information off Google. (CyberGuy.com) Fill in the details to inform Google of the issue. (CyberGuy.com) Here's the final step to filling out the Google request. (CyberGuy.com) MORE: SAY HELLO TO GOOGLE WALLET'S 6 AMAZING NEW FEATURES FOR ANDROID PHONES Invest in removal servicesIn addition to Google's "Results about you" tool, I recommend you invest in a removal service to get your personal information off the hundreds of people search sites out there. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. See my tips and best picks for removing yourself from the internet by going to CyberGuy.com/Delete Kurt’s key takeawaysIt is great to see Google making an effort to increase the safety of its search experience. While removal was possible before, it certainly was not easy. This is an improved update to their 'Results about You' tool along with the new alerts warning you of your information appearing on the web. It is important to remember that just because your information has been removed from Google, it doesn’t mean all of your information is removed from other parts of the web. Why do you think Google is making this move to make internet safety more accessible? And do you see this as the start of a potential trend with other engines and sites? Let us know by writing us at CyberGuy.com/Contact For more of my security alerts, subscribe to my free CyberGuy Report Newsletter by heading to CyberGuy.com/Newsletter Copyright 2023 CyberGuy.com. All rights reserved. Kurt "CyberGuy" Knutsson is an award-winning tech journalist who has a deep love of technology, gear and gadgets that make life better with his contributions for Fox News & FOX Business beginning mornings on "FOX & Friends." Got a tech question? Get Kurt’s CyberGuy Newsletter, share your voice, a story idea or comment at CyberGuy.com. Student Information System Maintenance InfoBringing you new services and functionality! Student Information System (SIS) Planned Downtime The SIS program team will periodically migrate enhancements to the SIS or implement required maintenance updates. The migration process will clear the system’s cache and users who log in immediately after the migration may experience temporary slowness as the cache rebuilds. The SIS program team has worked hard to find the least disruptive dates and times for these migrations. Migrations are completed overnight typically within 6 hours or less. Maintenance activities are larger efforts that require a longer downtime. A campus message will be sent prior to the maintenance activity. If you have any questions, please contact the RIT Service Center at 585-475-5000 or help.rit.edu. For information on the status of ITS systems, please visit the ITS website at www.rit.edu/its or follow us on Twitter, @RIT_ITSStatus. |
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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