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 : Google-PCSE
Exam Name : Professional Cloud Security Engineer
Vendor Name : Google
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Google-PCSE exam Format | Google-PCSE Course Contents | Google-PCSE Course Outline | Google-PCSE exam Syllabus | Google-PCSE exam Objectives


A Professional Cloud Security Engineer enables organizations to design and implement a secure infrastructure on Google Cloud Platform. Through an understanding of security best practices and industry security requirements, this individual designs, develops, and manages a secure infrastructure leveraging Google security technologies. The Cloud Security Professional should be proficient in all aspects of Cloud Security including managing identity and access management, defining organizational structure and policies, using Google technologies to provide data protection, configuring network security defenses, collecting and analyzing Google Cloud Platform logs, managing incident responses, and an understanding of regulatory concerns.



The Professional Cloud Security Engineer exam assesses your ability to:

- Configure access within a cloud solution environment

- Configure network security

- Ensure data protection

- Manage operations within a cloud solution environment

- Ensure compliance



1. Configuring access within a cloud solution environment

1.1 Configuring Cloud Identity. Considerations include:

- Managing Cloud Identity

- Configuring Google Cloud Directory Sync

- Management of super administrator account



1.2 Managing user accounts. Considerations include:

-Designing identity roles at the project and organization level

-Automation of user lifecycle management process

-API usage



1.3 Managing service accounts. Considerations include:

- Auditing service accounts and keys

- Automating the rotation of user-managed service account keys

- Identification of scenarios requiring service accounts

- Creating, authorizing, and securing service accounts

- Securely managed API access management



1.4 Managing authentication. Considerations include:

- Creating a password policy for user accounts

- Establishing Security Assertion Markup Language (SAML)

- Configuring and enforcing two-factor authentication



1.5 Managing and implementing authorization controls. Considerations include:

- Using resource hierarchy for access control

- Privileged roles and separation of duties

- Managing IAM permissions with primitive, predefined, and custom roles

- Granting permissions to different types of identities

- Understanding difference between Google Cloud Storage IAM and ACLs



1.6 Defining resource hierarchy. Considerations include:

- Creating and managing organizations

- Resource structures (orgs, folders, and projects)

- Defining and managing organization constraints

- Using resource hierarchy for access control and permissions inheritance

- Trust and security boundaries within GCP projects



2. Configuring network security

2.1 Designing network security. Considerations include:

- Security properties of a VPC network, VPC peering, shared VPC, and firewall rules

- Network isolation and data encapsulation for N tier application design

- Use of DNSSEC

- Private vs. public addressing

- App-to-app security policy



2.2 Configuring network segmentation. Considerations include:

- Network perimeter controls (firewall rules; IAP)

- Load balancing (global, network, HTTP(S), SSL proxy, and TCP proxy load balancers)



2.3 Establish private connectivity. Considerations include:

- Private RFC1918 connectivity between VPC networks and GCP projects (Shared VPC, VPC peering)

- Private RFC1918 connectivity between data centers and VPC network (IPSEC and Cloud Interconnect).

- Enable private connectivity between VPC and Google APIs (private access)



3. Ensuring data protection

3.1 Preventing data loss with the DLP API. Considerations include:

- Identification and redaction of PII

- Configuring tokenization

- Configure format preserving substitution

- Restricting access to DLP datasets



3.2 Managing encryption at rest. Considerations include:

- Understanding use cases for default encryption, customer-managed encryption keys (CMEK), and customer-supplied encryption keys (CSEK)

- Creating and managing encryption keys for CMEK and CSEK

- Managing application secrets

- Object lifecycle policies for Cloud Storage

- Enclave computing

- Envelope encryption



4. Managing operations within a cloud solution environment

4.1 Building and deploying infrastructure. Considerations include:

- Backup and data loss strategy

- Creating and automating an incident response plan

- Log sinks, audit logs, and data access logs for near-real-time monitoring

- Standby models

- Automate security scanning for Common Vulnerabilities and Exposures (CVEs) through a CI/CD pipeline

- Virtual machine image creation, hardening, and maintenance

- Container image creation, hardening, maintenance, and patch management



4.2 Building and deploying applications. Considerations include:

- Application logs near-real-time monitoring

- Static code analysis

- Automate security scanning through a CI/CD pipeline



4.3 Monitoring for security events. Considerations include:

- Logging, monitoring, testing, and alerting for security incidents

- Exporting logs to external security systems

- Automated and manual analysis of access logs

- Understanding capabilities of Forseti



5. Ensuring compliance

5.1 Comprehension of regulatory concerns. Considerations include:

- Evaluation of concerns relative to compute, data, and network.

- Security shared responsibility model

- Security guarantees within cloud execution environments

- Limiting compute and data for regulatory compliance



5.2 Comprehension of compute environment concerns. Considerations include:

- Security guarantees and constraints for each compute environment (Compute Engine, Google Kubernetes Engine, App Engine)

- Determining which compute environment is appropriate based on company compliance standards



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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