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 : IAPP-CIPP-C
Exam Name : Certified Information Privacy Professional/ Canada (CIPP/C)
Vendor Name : IAPP
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IAPP-CIPP-C exam Format | IAPP-CIPP-C Course Contents | IAPP-CIPP-C Course Outline | IAPP-CIPP-C exam Syllabus | IAPP-CIPP-C exam Objectives


Exam Specification: IAPP-CIPP-C (Certified Information Privacy Professional/ Canada)

Exam Name: IAPP-CIPP-C (Certified Information Privacy Professional/ Canada)
Exam Code: IAPP-CIPP-C
Exam Duration: 2 hours and 30 minutes
Passing Score: Not specified
Exam Format: Multiple-choice

Course Outline:

1. Introduction to Privacy and Data Protection
- Overview of privacy and data protection principles
- Privacy laws and regulations in Canada
- Key concepts and terminology related to privacy

2. Canadian Privacy Laws and Regulations
- Understanding the Personal Information Protection and Electronic Documents Act (PIPEDA)
- Other relevant federal and provincial privacy laws in Canada
- Jurisdictional considerations in Canadian privacy law

3. Accountability and Governance
- Roles and responsibilities of organizations and individuals in privacy management
- Developing and implementing privacy policies and procedures
- Privacy governance frameworks and best practices

4. Privacy Assessments and Privacy Impact Assessments (PIAs)
- Conducting privacy exams and PIAs in accordance with Canadian requirements
- Identifying privacy risks and mitigating measures
- Privacy by design and privacy-enhancing technologies

5. Consent and Privacy Notices
- Understanding the requirements for obtaining and managing consent
- Drafting privacy notices and communicating privacy practices to individuals
- Handling requests for access to personal information

6. Data Subject Rights and Individual Participation
- Recognizing and respecting data subject rights
- Responding to data subject requests for access, correction, and deletion of personal information
- Establishing processes for handling privacy-related complaints and disputes

7. Data Transfers and International Data Flows
- Understanding the legal frameworks for cross-border data transfers
- Evaluating adequacy, appropriate safeguards, and derogations for data transfers
- Managing international data flows in compliance with Canadian privacy laws

8. Privacy Operations and Management
- Establishing and maintaining privacy management programs
- Employee training and awareness on privacy practices
- Privacy incident management and response

Exam Objectives:

1. Understand the principles and concepts of privacy and data protection.
2. Comprehend the Canadian privacy laws and regulations, particularly PIPEDA.
3. Implement privacy accountability and governance within organizations.
4. Conduct privacy exams and Privacy Impact Assessments (PIAs) according to Canadian requirements.
5. Manage consent and privacy notices in compliance with Canadian privacy laws.
6. Address data subject rights and facilitate individual participation in privacy matters.
7. Manage data transfers and international data flows in accordance with Canadian privacy laws.
8. Establish effective privacy operations and management practices within organizations.

Exam Syllabus:

Section 1: Introduction to Privacy and Data Protection (15%)
- Privacy and data protection principles
- Privacy laws and regulations in Canada
- Key concepts and terminology related to privacy

Section 2: Canadian Privacy Laws and Regulations (25%)
- Personal Information Protection and Electronic Documents Act (PIPEDA)
- Other federal and provincial privacy laws in Canada
- Jurisdictional considerations in Canadian privacy law

Section 3: Accountability and Governance (10%)
- Roles and responsibilities in privacy management
- Privacy policies and procedures
- Privacy governance frameworks

Section 4: Privacy Assessments and Privacy Impact Assessments (PIAs) (15%)
- Conducting privacy exams and PIAs
- Identifying privacy risks and mitigating measures
- Privacy by design and privacy-enhancing technologies

Section 5: Consent and Privacy Notices (15%)
- Requirements for obtaining and managing consent
- Drafting privacy notices and communicating privacy practices
- Handling requests for access to personal information

Section 6: Data Subject Rights and Individual Participation (10%)
- Data subject

rights and their implementation
- Responding to data subject requests
- Managing privacy-related complaints and disputes

Section 7: Data Transfers and International Data Flows (10%)
- Legal frameworks for cross-border data transfers
- Evaluating adequacy and appropriate safeguards
- Managing international data flows

Section 8: Privacy Operations and Management (10%)
- Privacy management programs
- Employee training and awareness
- Privacy incident management and response



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As the number of cyberattacks continues to climb, so does the demand for professionals to support the rapidly growing industry. Aside from getting a degree in the space, there are other forms of upskilling that prove to be promising avenues to launch your cybersecurity career. Cybersecurity bootcamps are one way the massive talent gap is being addressed; there are more than 700,000 open jobs in the U.S. alone. While bootcamps are more affordable and have less of a time commitment than a graduate degree, it’s important to know what your options are in this vast landscape. That’s why Fortune has compiled a list of the best cybersecurity bootcamps in 2023. To qualify for this unranked directory, bootcamps must take at least eight weeks to complete, and agree to fill out their questionnaire as a measure of transparency. In total, 23 bootcamps made this year’s list and are listed alphabetically.

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    Full TimePart TimeAll Programs$13,500$7,500Bootcamp Short Courses (1-8 weeks)$8,500$4,750

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  • An instructor or coach who works at least 20 hours per week as a fitness professional with at least six months' experience.
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    A client of Burn Boot Camp will pay $150 per month for unlimited group sessions, which is in line with other boutique gyms but more expensive than a large gym.

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    Liquid capital required$80,000Investment$150,000 - $220,000Franchise fee$49,500Units in operation500Founded2008

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    At Fit Body Boot Camp, how much does a Coach much does a Coach at Fit Body Boot Camp make? Coaches at Fit Body Boot Camp earn an average hourly wage of $20. Coaching hour.

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    Getting in fantastic shape at Burn Boot Camp is easy; if you go a few times a week, you'll hit every muscle in your body. Burn Boot Camp Pros You will burn a lot of calories. There might not be a better selling point for Burn Boot Camp than free childcare.

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    The option to terminate your account is available on the Site where it is available, contact us using the contact information below, or contact your Burn Boot Camp location to do so.

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    Is Fit Body Boot Camp a good investment? Full Time Part Time All Programs $13,500 $7,500 Bootcamp Short Courses (1-8 weeks) $8,500 $4,750 How much do fitness bootcamps make? Liquid capital required $80,000 Investment $150,000 - $220,000 Franchise fee $49,500 Units in operation 500 Founded 2008 How do you qualify for bootcamp? Annual Salary Weekly Pay Top Earners $100,000 $1,923 75th Percentile $62,500 $1,201 Average $59,555 $1,145 25th Percentile $41,500 $798 Do you run in basic training?
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    Your fitness regimen will consist of strengthening exercises, aerobic exercises, and running on alternate days six days a week. Taking the necessary steps in advance and meeting the recommended fitness level listed below before arrival to BMT will make your program much more enjoyable.

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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