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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BCS FBA15 : Foundation Certificate in Business Analysis exam Dumps

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Exam Number : FBA15
Exam Name : Foundation Certificate in Business Analysis
Vendor Name : BCS
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FBA15 exam Format | FBA15 Course Contents | FBA15 Course Outline | FBA15 exam Syllabus | FBA15 exam Objectives

Exam Detail:
The FBA15 (Foundation Certificate in Business Analysis) is a certification exam that focuses on providing individuals with a solid foundation in business analysis principles and practices. Here are the exam details for FBA15:

- Number of Questions: The exam typically consists of multiple-choice questions. The exact number of questions may vary, but typically, the exam includes around 40 to 60 questions.

- Time Limit: The time allocated to complete the exam is 1 hour and 30 minutes.

Course Outline:
The FBA15 course is designed to cover various aspects of business analysis. The course outline typically includes the following topics:

1. Introduction to Business Analysis:
- Understanding the role and responsibilities of a business analyst.
- Recognizing the importance of effective business analysis in driving successful projects.

2. Business Analysis Planning and Monitoring:
- Defining the scope and objectives of a business analysis effort.
- Planning and managing business analysis activities and tasks.
- Monitoring and controlling business analysis progress.

3. Elicitation and Collaboration:
- Techniques for gathering and eliciting requirements from stakeholders.
- Facilitating effective collaboration and communication among stakeholders.

4. Requirements Life Cycle Management:
- Managing requirements throughout their life cycle.
- Documenting, prioritizing, and validating requirements.
- Tracing requirements to ensure completeness and alignment with business goals.

5. Strategy Analysis:
- Understanding the strategic context of a business analysis effort.
- Conducting a business needs exam and identifying potential solutions.

6. Requirements Analysis and Design Definition:
- Analyzing and modeling requirements to ensure clarity and understanding.
- Defining the solution design based on requirements.

7. Solution Evaluation:
- Evaluating the implemented solution to ensure it meets business needs and objectives.
- Identifying opportunities for improvement and optimization.

Exam Objectives:
The objectives of the FBA15 exam are as follows:

- Assessing candidates' understanding of business analysis principles, concepts, and techniques.
- Evaluating candidates' knowledge of business analysis planning, requirements elicitation, and collaboration techniques.
- Testing candidates' proficiency in requirements management and solution evaluation.
- Assessing candidates' ability to analyze business needs and define solution designs.
- Evaluating candidates' understanding of the role and responsibilities of a business analyst.

Exam Syllabus:
The specific exam syllabus for the FBA15 exam covers the following areas:

1. Introduction to Business Analysis
2. Business Analysis Planning and Monitoring
3. Elicitation and Collaboration
4. Requirements Life Cycle Management
5. Strategy Analysis
6. Requirements Analysis and Design Definition
7. Solution Evaluation

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Basic school students engage in a colouring exercise.

Dear Editor,

The nature of their education system is highly examination-centred. Ideally, parents want the best for their children, but there is often this pressure for them to be placed in the top three spots in their class or to get the As or 100 per cent on tests. This trend continues for every major exam, such as the Primary Exit Profile (PEP) exam, subjects done through the Caribbean Exams Council (CXC), and even for undergraduate exams.

There is always a great push for children to be sent to a prestigious traditional high school, such as the ones that topped the 2023 Educate Jamaica High School Performance Index. Many children are left to feel unintelligent or dunce simply because of how they have labelled their schools. But if the brighter students and those from well-off backgrounds continue to be sent to certain schools, the results will forever be the same. This set-up continues to highlight the haves and the have nots.

However, a long-standing issue also contributes to the poor outcomes of their children, that is, the lack of quality investment from stakeholders during their formative years. Finance Minister Dr Nigel Clarke, during his remarks at the 41st Biennial Conference of the Caribbean Union of Teachers held last week in Kingston, highlighted the meagre proportion of the national budget that is allocated to early childhood education. This is inferior to what obtains in other parts of the Caribbean. Dr Clarke, however, pointed out that the bulk of the money goes to higher education.

Undeniably, higher education is expensive and students need as much support as possible to pursue at least a first degree. Successive governments have attempted to make tertiary education as accessible and affordable as possible. In fact, it has become easier to obtain a loan through the Students' Loan Bureau and more scholarships are now being given, especially in science, technology, engineering and mathematics (STEM) programmes. Notwithstanding, if the root — early childhood and primary education — is not adequately financed and resourced, to what extent will they get more students, especially males, pursuing tertiary education?

Yearly, when they analyse PEP and CXC passes, they regurgitate the same information and weaknesses without carefully implementing strategies to plug the loopholes. Literacy and numeracy continue to be a sore point for their people. If this is not addressed meaningfully, they will continue to raise generations of illiterate people. Many of their children suffer with their education because their parents cannot read and write. Several parents lack basic reasoning abilities. They hear them all the time in the communities, at church, and in public transportation.

Tertiary education definitely needs the financial support, but in building a house, if the foundation is not so anchored, the wind and the rain will come and crumble it. The same is true about the education of their children. If the requisite skill set is not developed from early, it poses serious consequences as they move further up the education ladder. For example, a number of university freshmen will have to take a preliminary English course before matriculating to an academic writing one. Despite obtaining a passing grade in English A in the Caribbean Secondary Education Certificate (CSEC) exam, many of them are still lacking the expertise to take on advanced academic work.

While they acknowledge these critical issues, they must also examine the types of administrators leading their institutions; some of them are just ineffective. They cannot continue to appoint people solely based on years of tenure or political or religious affiliation. Too many are collecting revised compensation but there is no accountability taking place and they do not command the respect of their staff. It seems many of them use leadership posts to fast-track their way into politics. After all, who wouldn't supply up the American Dream to enter representational politics, given the handsome compensation now earned by the political directorate?

Oneil Madden


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IN the LAMDA examinations held on November 24 and 25, the pupils of Jean Willis of Great Harwood achieved the following results.

Speaking of Verse

and Prose

Honours: Tanith Hope, Meera Kumar, Matthew Nolan, Shereen Perera, Sepideh Zekavat.

Distinctions: Emily Ashworth, Gemma Bland, Laura Charnley, Kaitlin Duggan, Zahra Hanif, Amy Howarth, Olivia Hunter, Elise Leaver-Heaton, Rosie Pilling, Heather Kerr (Silver Medal).

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Pass: Sumeet Chattree, Shehan Perera.

Public Speaking

Honours: Alexander George (Bronze Medal).


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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