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 Certified-Data-Architecture-and-Management-Designer?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Certified-Data-Architecture-and-Management-Designer: Certified Data Architecture and Management Designer Prüfung.

2024 Updated Actual Certified-Data-Architecture-and-Management-Designer questions as experienced in Test Center

Aktuelle Certified-Data-Architecture-and-Management-Designer Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Salesforce Certified-Data-Architecture-and-Management-Designer : Certified Data Architecture and Management Designer Practice Tests

Practice Tests Organized by Martin Hoax



Latest 2024 Updated Salesforce Certified Data Architecture and Management Designer Syllabus
Certified-Data-Architecture-and-Management-Designer dumps questions with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




Certified-Data-Architecture-and-Management-Designer dumps questions : Download 100% Free Certified-Data-Architecture-and-Management-Designer practice tests (PDF and VCE)

Exam Number : Certified-Data-Architecture-and-Management-Designer
Exam Name : Certified Data Architecture and Management Designer
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Memorize and practice these Certified-Data-Architecture-and-Management-Designer boot camp before you go to attempt real exam.
With their Certified-Data-Architecture-and-Management-Designer Cram Guide, you can approach the Certified Data Architecture and Management Designer test with confidence, knowing that you have everything you need to succeed. If for any reason you are not satisfied with your results, they offer a money-back guarantee. Their database of Certified-Data-Architecture-and-Management-Designer Practice Questions, sourced from real tests, will help you breeze through the Certified-Data-Architecture-and-Management-Designer test on your first attempt. Simply prepare with their VCE test Simulator and you will pass with flying colors.

If you want to pass the Certified Data Architecture and Management Designer test easily, it's important to have a clear understanding of the Certified-Data-Architecture-and-Management-Designer syllabus and to go through the updated dumps questions for the 2024. To ensure quick success, it's recommended to practice with real questions. It's also important to identify any tricky questions that may be asked on the real Certified-Data-Architecture-and-Management-Designer exam, and to do this, you can visit killexams.com to obtain free Certified-Data-Architecture-and-Management-Designer Latest Topics test questions. If you feel confident with those questions, you can register to obtain the full set of Certified-Data-Architecture-and-Management-Designer Real test Questions questions, which will be the first step towards great progress. To further prepare, you can install the VCE test simulator on your PC and practice as much as possible. Once you've memorized all the questions in the Certified Data Architecture and Management Designer question bank, you can enroll in the real test at a test center.

Many candidates have successfully passed the Certified-Data-Architecture-and-Management-Designer test using their Practice Test, and they now hold great positions in their fields. By utilizing their Certified-Data-Architecture-and-Management-Designer Latest Topics, they've noticed a significant improvement in their knowledge and are able to work as experts in real company environments. Their focus isn't just on passing the test with braindumps, but on truly enhancing understanding of Certified-Data-Architecture-and-Management-Designer objectives and topics, leading to success in their fields.







Certified-Data-Architecture-and-Management-Designer test Format | Certified-Data-Architecture-and-Management-Designer Course Contents | Certified-Data-Architecture-and-Management-Designer Course Outline | Certified-Data-Architecture-and-Management-Designer test Syllabus | Certified-Data-Architecture-and-Management-Designer test Objectives


Exam Details for Certified Data Architecture and Management Designer:

Number of Questions: The test consists of approximately 60 multiple-choice and multiple-select questions.

Time Limit: The total time allocated for the test is 105 minutes (1 hour and 45 minutes).

Passing Score: To pass the exam, you must achieve a minimum score of 65%.

Exam Format: The test is conducted online and is proctored. You will be required to answer the questions within the allocated time frame.

Course Outline:

1. Data Architecture Management:
- Understand data architecture concepts and principles
- Define and implement data governance strategies
- Establish data quality and data lifecycle management processes

2. Data Modeling and Design:
- Identify business requirements and translate them into data models
- Design logical and physical data models
- Apply normalization and denormalization techniques

3. Data Integration and Transformation:
- Design and implement data integration solutions
- Manage data transformation processes
- Utilize ETL (Extract, Transform, Load) tools and techniques

4. Data Security and Compliance:
- Implement data security controls and access restrictions
- Ensure compliance with data protection regulations (e.g., GDPR, CCPA)
- Monitor and mitigate data security risks

5. Data Storage and Infrastructure:
- Select appropriate data storage solutions (e.g., relational databases, data warehouses, big data platforms)
- Optimize data storage and retrieval performance
- Design and implement scalable and resilient data infrastructure

6. Data Migration and Synchronization:
- Plan and execute data migration strategies
- Ensure data consistency and integrity during migration
- Synchronize data between different systems and environments

7. Data Governance and Metadata Management:
- Define and implement data governance frameworks
- Establish metadata management processes
- Utilize data cataloging and data lineage tools

Exam Objectives:

1. Understand data architecture concepts, principles, and best practices.
2. Design and implement data models to meet business requirements.
3. Develop data integration and transformation solutions.
4. Ensure data security and compliance in data management processes.
5. Select and optimize data storage solutions.
6. Plan and execute data migration and synchronization strategies.
7. Establish data governance and metadata management frameworks.

Exam Syllabus:

The test syllabus covers the following topics:

1. Data Architecture Management
- Data architecture concepts and principles
- Data governance strategies
- Data quality and lifecycle management

2. Data Modeling and Design
- Business requirements analysis
- Logical and physical data models
- Normalization and denormalization techniques

3. Data Integration and Transformation
- Data integration solutions
- Data transformation processes
- ETL tools and techniques

4. Data Security and Compliance
- Data security controls and access restrictions
- Data protection regulations (e.g., GDPR, CCPA)
- Data security risk management

5. Data Storage and Infrastructure
- Data storage solutions selection
- Performance optimization techniques
- Scalable and resilient data infrastructure design

6. Data Migration and Synchronization
- Data migration strategies
- Data consistency and integrity during migration
- Data synchronization between systems

7. Data Governance and Metadata Management
- Data governance frameworks
- Metadata management processes
- Data cataloging and data lineage tools



Killexams Review | Reputation | Testimonials | Feedback


Did you try this excellent source of real test questions?
During the exam, several questions were like a guide for me, and I could certainly score 93% marks in the end. Much gratitude to killexams.com for their help. Although I had to divide my time between the workplace and preparing for the Certified-Data-Architecture-and-Management-Designer exam, I was stressed about planning correctly. At that point, the killexams.com Questions Answers guide proved to be a blessing for me, with its easy and quick replies.


Actual Certified-Data-Architecture-and-Management-Designer test questions to pass the test on the first try.
I passed the Certified-Data-Architecture-and-Management-Designer test on my first attempt, and I owe my success to killexams.com. Their query economic organization provided me with valid and reliable practice materials, and the test simulator helped me get a complete understanding of the exam. Thank you, killexams.com, for your invaluable assistance.


How many days of training are required to pass the Certified-Data-Architecture-and-Management-Designer exam?
My brother advised me to use killexams.com for my Certified-Data-Architecture-and-Management-Designer test preparation, and I'm glad I followed his recommendation. With his help, I passed the test with a good score, making it feel like a dream come true. Thanks again to killexams.com for their excellent resources.


Simply attempt these real Certified-Data-Architecture-and-Management-Designer test questions, and success will be yours.
As a network expert, I thought appearing for the Certified-Data-Architecture-and-Management-Designer test would be beneficial for my profession, but time restraints made it difficult for me to prepare. However, killexams.com Questions Answers proved to be an effective study guide and enabled me to finish the test in just 70 minutes.


How many days are required for Certified-Data-Architecture-and-Management-Designer training?
I never thought that I would be able to answer all of the questions correctly on the Certified-Data-Architecture-and-Management-Designer exam, but I did thanks to the help of killexams.com's question and answer material. It helped me grasp the concepts and I was able to answer even the unknown questions. Their material was truly customized to meet my needs during preparation. I found 90% of the questions to be common to the guide and was able to answer them quickly, which saved me time for the unknown questions. Thank you killexams.com.


Salesforce and PDF Download

Certified-Data-Architecture-and-Management-Designer Exam

User: Nettie*****

I am feeling incredibly happy right now. I recently received my CERTIFIED-DATA-ARCHITECTURE-AND-MANAGEMENT-DESIGNER test results, and I passed with flying colors. I wanted to take a moment to thank killexams.com for providing such helpful guidance and support during my preparation.
User: Lilia*****

When I was taking an IT course on CERTIFIED-DATA-ARCHITECTURE-AND-MANAGEMENT-DESIGNER, I struggled with finding a guide to help me. However, I discovered a website that was very popular in the market - Killexams.com. Their practice questions and materials helped me prepare for the exam, and I was able to secure top marks. I am grateful to Killexams.com for helping me overcome my laziness and achieve success.
User: Vladimir*****

I was impressed by killexams.com exceptional test guide, and I owe them my gratitude for my incredible score on the CERTIFIED-DATA-ARCHITECTURE-AND-MANAGEMENT-DESIGNER exam. Their Questions Answers taught me the concepts well, and I answered 95% of the questions correctly.
User: Emma*****

Preparing for the CERTIFIED-DATA-ARCHITECTURE-AND-MANAGEMENT-DESIGNER practice test can be challenging, especially when it comes to time management. However, killexams.com has solved this issue by providing time schedules to complete the syllabus easily. Their tutorial guides are essential for CERTIFIED-DATA-ARCHITECTURE-AND-MANAGEMENT-DESIGNER practice exams, so start your practice with killexams.com to achieve high marks.
User: Lidija*****

The hope of passing the CERTIFIED-DATA-ARCHITECTURE-AND-MANAGEMENT-DESIGNER test was rekindled when I got my test questions from Killexams.com. The fantastic test contents were smooth to understand, and it gave me hope that I could pass the test easily.

Certified-Data-Architecture-and-Management-Designer Exam

Question: Does killexams provide discount to students?
Answer: Killexams.com offers very attractive discounts for its customers. If you contact sales at live chat and ask for further discount other than a regular discount. Their team will provide you a special discount coupon that will deliver you an extra discount.
Question: Where will I find exact Questions Answers of Certified-Data-Architecture-and-Management-Designer exam?
Answer: Killexams online account is the best place where you can obtain up-to-date and latest Certified-Data-Architecture-and-Management-Designer test prep questions. Killexams recommend these Certified-Data-Architecture-and-Management-Designer questions to memorize before you go for the real test because this Certified-Data-Architecture-and-Management-Designer dumps questions contains to date and 100% valid Certified-Data-Architecture-and-Management-Designer dumps questions with the new syllabus. Killexams has provided the shortest Certified-Data-Architecture-and-Management-Designer questions for busy people to pass Certified-Data-Architecture-and-Management-Designer test without practicing massive course books. If you go through these Certified-Data-Architecture-and-Management-Designer questions, you are more than ready to take the test. They recommend taking your time to study and practice Certified-Data-Architecture-and-Management-Designer practice test until you are sure that you can answer all the questions that will be asked in the real Certified-Data-Architecture-and-Management-Designer exam. For a full version of Certified-Data-Architecture-and-Management-Designer test prep, visit killexams.com and register to obtain the complete dumps questions of Certified-Data-Architecture-and-Management-Designer test test prep. These Certified-Data-Architecture-and-Management-Designer test questions are taken from real test sources, that's why these Certified-Data-Architecture-and-Management-Designer test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these Certified-Data-Architecture-and-Management-Designer questions are sufficient to pass the exam.
Question: Do killexams test simulator provide test history?
Answer: Yes, killexams save your history. You can see your performance in taking tests. So you can see your performance date and time-wise, your performance graphs are also provided.
Question: Will you provide up to date Certified-Data-Architecture-and-Management-Designer questions?
Answer: Yes, You can get up-to-date and valid Certified-Data-Architecture-and-Management-Designer questions with real Questions Answers at killexams.com. These are the latest and valid questions with real Questions Answers that contain test prep. When you will memorize these questions, it will help you get High Marks in the exam. You should visit the link https://killexams.com/pass4sure/exam-detail/Certified-Data-Architecture-and-Management-Designer
Question: Does test Simulator stop working when my killexams account expires?
Answer: No, there is no expiry of the test simulator. Killexams test simulator keeps on working even after expiry but you can not obtain updated test files after your account expires. But the previous one keeps on working. And there is no limit on several times you practice the questions.
Salesforce+and+PDF+Download
https://www.pass4surez.com/art/read.php?keyword=Salesforce+and+PDF+Download&lang=us&links=remove

Whilst it is very hard task to choose reliable test Questions Answers resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and trial brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Absolutely yes, Killexams is completely legit and fully dependable. There are several features that makes killexams.com realistic and straight. It provides updated and completely valid test questions including real exams questions and answers. Price is small as compared to a lot of the services on internet. The Questions Answers are updated on normal basis by using most exact questions. Killexams account structure and solution delivery is quite fast. Submit downloading is actually unlimited and extremely fast. Support is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a sturdy website offering test prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions 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 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test Questions Answers with the same frequency as they are updated in Real Test. test questions 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 subjects of new syllabus, They recommend to obtain 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 Answers will be provided in your obtain Account. You can obtain Premium practice test files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test 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 Exam Center and Enjoy your Success.




Servicenow-PR000370 test Questions | CT-TAE Real test Questions | 4A0-113 practice test | NSE7_ADA-6.3 test prep | 920-327 model question | AZ-801 trial questions | ACP-620 study help | NCEES-PE-Civil-WRE cram | CVA test test | DU0-001 practical test | 143-425 Free test PDF | Nutanix-NCP study questions | JN0-213 test prep | WOCNCB-CFCN prep questions | PCCN cbt | 3X0-101 free test papers | CSM-001 test questions | E22-106 Questions Answers | GMAT training material | LFCS free online test |


Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer study help
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test syllabus
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer education
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test prep
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test syllabus
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Topics
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test prep
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer study help
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test cram
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer techniques
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer study help
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer learn
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer testing
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Question Bank
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Topics
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer answers
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer learning
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer PDF questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer PDF Download
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer book
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Free test PDF
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer teaching
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Practice Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer outline
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer premium pdf
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test success
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer testprep
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer guide
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Practice Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test help
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer information search
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer real Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Test Prep
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Free test PDF
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer real Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Topics

Other Salesforce Practice Tests


Salesforce-Marketing-Cloud-Developer practice exam | Salesforce-Maps-Accredited-Professional free test practice | Salesforce-Certified-Marketing-Cloud-Consultant test cram | Certified-Data-Architecture-and-Management-Designer Practice Test | Salesforce-nCino-201 study guide | Salesforce-Certified-Advanced-Administrator free pdf | Salesforce-Certified-Community-Cloud-Consultant past exams | ARC-801 Real test Questions | CPQ-211 free practice test | CHAD Free test PDF | Platform-App-Builder test questions | Salesforce-Consumer-Goods-Cloud free prep | Industries-CPQ-Developer download | CRT-251 free questions | Salesforce-Certified-CPQ-Specialist Practice test | Salesforce-CMCAES real questions | Salesforce-Manufacturing-Cloud-Professional test prep | DEV-450 trial test | PDX-101 test exam | ADX-271 test results |


Best practice tests You Ever Experienced


C1000-065 test questions | 156-560 examcollection | MA0-101 pass marks | ACA-Operator pdf download | CSCP practical test | CFRN study material | Salesforce-Consumer-Goods-Cloud trial test | VACC test prep questions | SAFe-LPM bootcamp | CIPS-L5M2-MSCR free test practice | 1D0-541 PDF Questions | 143-425 free pdf download | CPUX-F free prep | PSAT pdf exam | HPE6-A69 study questions | ISSMP practice test | Magento-Certified-Professional-Cloud-Developer test questions | CPFO trial test questions | 050-720 online exam | S2000-012 test questions |





References :





Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

Certified-Data-Architecture-and-Management-Designer 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.

Certified-Data-Architecture-and-Management-Designer Reviews

100% Valid and Up to Date Certified-Data-Architecture-and-Management-Designer 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