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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Vendor Name : Certification-Board
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Exam: ICTS (Illinois Certification Testing System)

Exam Details:
- Number of Questions: The number of questions may vary depending on the specific certification or subject area.
- Time: The exam duration varies depending on the specific certification or subject area.

Course Outline:
The ICTS is a comprehensive testing system used in the state of Illinois to assess the knowledge and skills of individuals seeking certification in various education-related fields. The course outline for ICTS exams can vary widely depending on the specific certification sought. However, the general categories of exams offered by the ICTS include:

1. Content Area Knowledge:
- This section focuses on the specific subject area related to the certification being sought (e.g., mathematics, science, English, social studies).
- It assesses candidates' understanding of the content knowledge required for teaching or working in the chosen field.
- The content area knowledge section may consist of multiple-choice questions, open-ended questions, and performance-based tasks.

2. Pedagogy and Professional Responsibilities:
- This section assesses candidates' knowledge of teaching methodologies, instructional strategies, and classroom management techniques.
- It also covers Topics related to educational ethics, legal responsibilities, and professional development.
- The pedagogy and professional responsibilities section may include scenario-based questions, case studies, and reflective responses.

Exam Objectives:
The objectives of the ICTS exams are to evaluate candidates' readiness and competency in their chosen certification area. The exams aim to assess the following:

1. Content Knowledge: Candidates' understanding of the subject matter and their ability to apply it in instructional settings.
2. Pedagogical Knowledge: Candidates' understanding of effective teaching strategies, classroom management techniques, and differentiated instruction.
3. Professional Responsibilities: Candidates' knowledge of ethical standards, legal obligations, and professional conduct in the education field.
4. Application of Knowledge: Candidates' ability to apply their knowledge and skills to real-world scenarios, including lesson planning, exam, and adapting instruction for diverse learners.

Exam Syllabus:
The specific syllabus for each ICTS exam will depend on the certification or subject area. It typically aligns with the Illinois Learning Standards and may cover a wide range of Topics related to the subject matter and pedagogy. The syllabus may include:

- Subject-specific content knowledge (e.g., mathematics, science, social studies)
- Teaching methodologies and instructional strategies
- Classroom management techniques
- Assessment and evaluation practices
- Individualized instruction and differentiated learning
- Special education considerations
- Ethical standards and professional conduct

It's important for candidates to review the specific syllabus provided by the Illinois State Board of Education for the certification they are pursuing. The syllabus provides detailed information about the topics, skills, and competencies that will be assessed in the ICTS exam.



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In 1st, Sikh man graduates from Marine boot camp with turban, beard

Each morning at Marine Corps Recruit Depot San Diego, Jaskirat Singh and his fellow male recruits would stand in front of the mirror in the bathrooms, joking around and getting themselves ready for the day.

The only difference, according to Singh? While the other recruits were shaving their faces, he was tying his turban and grooming his beard.

Now a private first class, Singh, 21, has become the first Marine known to have made it through boot camp with his Sikh articles of faith, including unshorn hair and a turban, beard and steel bracelet.

He graduated from the recruit depot Friday, following a legal win in December 2022 in which a federal appeals court agreed that the Corps’ refusal to grant accommodations to him and two other Sikh men violated their rights to religious liberty.

“My personal hope is that today’s events can show other young Sikhs that if they want to pursue a career in the military, they can do so while staying true to their faith,” Singh told reporters Friday following his graduation.

In the Sikh faith, which has a long warrior heritage, men traditionally wear turbans, unshorn hair and beards, and steel bracelets as visible symbols of their beliefs.

The Marine Corps, for the first time, recently allowed Sikh men to wear articles of faith as full-fledged Marines, though not in combat zones, following related litigation involving Marine Capt. Sukhbir Singh Toor.

But the Corps had resisted providing those religious accommodations to Sikh recruits while in boot camp.

That made the Marine Corps the only military service that would not let Sikh men go through training with their articles of faith, according to the Sikh Coalition, one of the organizations representing Singh and Toor.

In April 2022, Jaskirat Singh, Milaap Singh Chahal and Aekash Singh filed a federal lawsuit challenging the Marine Corps’ ban on articles of faith in boot camp. Sikh men traditionally all receive the surname Singh, in protest of the caste-based distinctions that different last names historically have signified, according to the Sikh Coalition.

At that point, the men were considered poolees — those who have signed up for the Marine Corps but haven’t yet shipped off to boot camp.

After a Washington, D.C., federal judge declined to issue a preliminary injunction that would have allowed the plaintiffs to head to boot camp with articles of faith, the men appealed to the U.S. Court of Appeals for the D.C. Circuit in September 2022.

At oral arguments before a three-judge panel on the appeals court, the Justice Department argued on behalf of the Marine Corps that uniform grooming standards helped instill a shared Marine identity in recruits. Building that shared identity in boot camp helps transform civilians into “combat-ready Marines,” Brian Springer, a Justice Department lawyer, said in an October 2022 oral argument.

Judge Patricia Millett wrote in December 2022 on behalf of the court that the Marine Corps had to accommodate the plaintiff’s articles of faith in boot camp. The Corps doesn’t really have uniform grooming standards, she noted: Women can wear a variety of long hairstyles, men with chronic razor burn can wear short beards and Marines can display unique tattoos.

“[T]he Marine Corps has failed to demonstrate that denying Plaintiffs the same accommodations during boot camp that they would be given during later service in the Corps is the ‘least restrictive means’ of advancing its interest in developing unit cohesion and a team-oriented mindset,” Millett wrote. “Least restrictive means” is one of the legal standards the government must meet for it to be allowed to burden someone’s religious exercise.

A lower-court judge in April laid out in a preliminary injunction how the grooming accommodations would work for Jaskirat Singh. By that point, Chahal had contracted to join the Washington Army National Guard, and Aekash Singh was hoping to attend the Marine Corps’ Officer Candidates School, Marine Corps Times previously reported.

In the camouflage combat utility uniform, the typical attire for Marine recruits, Jaskirat Singh had to wear a cloth patka or parna, more informal versions of the Sikh turban.

In his service uniform and dress blue uniform, he had to wear a dark green or white turban, respectively — matching the colors of the hats, known as covers, that otherwise go with those uniforms.

During swimming, Singh could wear a black swim cap, according to the judge’s injunction. The steel bracelet was authorized except when it posed a risk to others, like during martial arts training.

The recruits who trained alongside Singh did ask questions about his turban, the private first class said Friday. But he said he didn’t mind providing the answers.

“They were pretty much like, ‘Yo, that’s pretty cool. That’s dope,’” Singh said. “They’re very supportive of ... the diversity coming into the Marine Corps now.”

The drill instructors didn’t pick on him in particular, Singh said: They gave him “incentive training,” extra physical exercises, no more than other recruits.

He said he was able to make it through the tear gas chamber with his gas mask sealed. Despite the beard, according to Singh, it was “pretty easy.”

Brian Song of BakerHostetler, one of Singh’s attorneys, emphasized his client was speaking for himself and not for the Defense Department.

Marine spokesman Maj. Joshua Pena said Monday in a statement to Marine Corps Times that Marine Training and Education Command congratulates Singh and his battalion on their recent graduation.

“He graduated as a squad leader in his platoon, which speaks to his dedication and leadership during his time in the period of instruction,” Pena said of Singh. “We wish him the best as he continues to his follow-on training at the School of Infantry.”

Giselle Klapper, an attorney with the Sikh Coalition, said her organization is pushing for the Marine Corps to make a policy change, so that the next Sikh man who wants to become a Marine can secure a religious accommodation without having to go to court.

The Sikh Coalition is continuing to advocate for fewer restrictions on where Toor, the Marine captain, and now Singh can wear their articles of faith, according to its news release Friday.

“I’m proud to demonstrate that wearing a turban or a beard does not make me any different or less of a Marine, and I intend to prove that in the future,” Singh said.

Irene Loewenson is a staff reporter for Marine Corps Times. She joined Military Times as an editorial fellow in August 2022. She is a graduate of Williams College, where she was the editor-in-chief of the student newspaper.


Dozens of congressional staffers descend on Stanford for AI boot camp

One of the leading universities in the United States is offering extensive training for congressional staffers on artificial intelligence as the legislature is debating regulations on the technology.

The Stanford Institute for Human-Centered Artificial Intelligence will be hosting a "Congressional Boot Camp on AI" next week in California. The program will provide a crash course of information on the new technology and its implications for all parts of the federal government. These will include lectures on AI's relevance to privacy, international security, work, bias, privacy, and other technology.

BIDEN AND REPUBLICANS DUKE IT OUT TO DEFINE THE ECONOMY

Educating Congress on AI has taken on urgency in recent weeks. Senate Majority Leader Chuck Schumer (D-NY) is pushing an extensive program to educate his colleagues on the technology.

"We're exposing staffers to a multidisciplinary approach to how artificial intelligence affects every part of the government and their lives," Stanford Institute Director of Policy Russell Wald told the Washington Examiner.

The boot camp saw a 40% surge in applications, Wald said. Stanford had to expand the number of attendees from 24 to 28 due to the increased interest while also ensuring the training quality remained as high as ever.

The boot camp is not the first of these programs, however. Wald noted that the university has hosted a number of similar programs since 2014 to provide tools to Congress through a multidisciplinary approach to the technology. He emphasized that it would not just be lectures but would include a chance to understand the different aspects of how AI technology affects normal life.

The attendees will include staffers for Sens. Bernie Sanders (D-VT) and Rick Scott (R-FL), Wald said, as well as several committees. There are not any attendees from Schumer's office or any of the senators whom he has worked with on his framework plans.

CLICK HERE TO READ MORE FROM THE WASHINGTON EXAMINER

Schumer plans to host a series of "AI insight forums" in August that will bring experts on the industry in to speak on a variety of relevant subjects, including copyright, national security, transparency, and elections.

While these educational events show a clear bipartisan interest in regulating the technology, the people working directly with Schumer on the matter are uncertain that it will amount to anything. “We’re probably not going to have to ban a bunch of things that aren’t currently banned. We’re not going to have to pass a lot of major legislation to deal with new threats,” Sen. Todd Young (R-IN) told Politico. Young emphasized the empowerment of established agencies with the ability to regulate the technology instead.


Stanford University just schooled Congress on AI

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STANFORD, Calif. — When artificial intelligence pioneer and Stanford professor Fei-Fei Li met with President Biden during his recent trip to Silicon Valley, she steered the conversation toward the technology’s massive upsides.

Instead of debating predictions that AI could cause humanity’s doom, Li said, she urged Biden to make a “serious investment” in maintaining America’s research lead and developing “truly benevolent applications of AI.”

On Wednesday morning, Li was on seated on a small stage in a stately dining hall on Stanford’s serene Palo Alto campus, next to Condoleezza Rice, the director of Stanford University’s Hoover Institution, a conservative think tank. The women were discussing AI’s impact on democracy, the final panel in a three-day boot camp on the technology.

In front of them, a bipartisan audience of more than two dozen D.C. policy analysts, lawyers and chiefs of staff sat in their assigned seats, cutting into their individual fruit tarts.

Hosted by Stanford’s Institute for Human-Centered AI (HAI), where Li serves as co-director, the event offered a crash course on AI’s benefits and risks for information-starved staffers staring down the possibility of legislating a fast-moving technology in the middle of a gold rush.

Hundreds of Capitol Hill denizens applied for the camp’s 28 slots, a 40 percent increase from 2022. Attendees included aides for Rep. Ted Lieu (D-Calif.) and Sen. Rick Scott (R-Fla.), as well as policy analysts and lawyers for House and Senate committees on commerce, foreign affairs, strategic trade with China and more.

Stanford’s boot camp for legislators began in 2014 with a focus on cybersecurity. As the race to build generative AI sped up, the camp pivoted exclusively to AI last year.

The curriculum covered AI’s potential to reshape education and health care, a primer on deepfakes, as well as a crisis simulation where participants had to use AI to respond to a national security threat in Taiwan.

“We’re not here to tell them how they should legislate,” said HAI’s director of policy, Russell Wald. “We’re simply here to just supply them the information.” Faculty members disagreed with one another and directly challenged corporations, said Wald, pointing to a session on tech addiction and another on the perils of collecting the data necessary to fuel AI.

But for an academic event, the camp was also inextricably tied to industry. Li has done stints at Google Cloud and as a Twitter board member. Google’s AI ambassador, James Manyika, spoke at a fireside chat. Executives from Meta and Anthropic spoke to the audience Wednesday afternoon for the camp’s final session, discussing the role industry can play in shaping AI policy. HAI’s donors include LinkedIn founder Reid Hoffman, a Democratic megadonor whose start-up, Inflection AI, released a personalized chatbot in May.

The cost of the boot camp was primarily paid for by the Patrick J. McGovern Foundation, said Wald, who said his division of HAI does not take corporate funding.

Reporters were only allowed to attend the closing festivities on the condition that they not name nor quote congressional aides to allow them to speak freely.

The boot camp is one of many behind-the-scenes efforts to educate Congress since ChatGPT launched in November. Chastened by years of inaction on social media, regulators are trying to get up to speed on generative AI. These all-purpose systems, trained on large amounts of internet-scraped data, can be used to spin up computer code, designer proteins, college essays or short films based on user’s commands.

Back in D.C., legislators are crafting guardrails around this technology. The White House is preparing an AI-related executive order and introduced a voluntary pledge instructing AI companies to identify manipulated media, while Senate Majority Leader Charles E. Schumer (D-N.Y.) is commandeering an “all hands on deck” effort to write new rules for AI.

Even among experts, however, there is little consensus around the limitations and social impact of the latest AI models, raising concerns including exploitation of artists, child safety and disinformation campaigns.

Tech companies, billionaire tech philanthropists and other special interest groups have seized on this uncertainty — hoping to shape federal policies and priorities by shifting the way lawmakers understand AI’s true potential.

Civil society groups, who also want to present lawmakers with their perspective, don’t have access to the same resources, said Suresh Venkatasubramanian, a former adviser to the White House Office of Science and Technology Policy and a professor at Brown University, who engages on these issues alongside the nonprofit Algorithmic Justice League.

“One thing they have learned over the years is that they honestly do not know about the harms — about impacts of technology — until they talk to the people who experience those harms,” Venkatasubramanian said. “This is what civil society tries to do, bring the harms front and center,” as well as the benefits, when appropriate, he said.

During a Q&A with Meta and Anthropic, a legislative director for a House Republican said the group had seen a presentation on how effective AI could be at pushing misinformation and disinformation. In light of that, he asked the panel, what should AI companies do before the 2024 election?

Anthropic co-founder Jack Clark said it would be helpful if AI companies received FBI briefings or other intel on election-rigging efforts so that companies know what terms to look for.

“You’re in this cat-and-mouse game with people trying to subvert your platform,” Clark said.

During the panel on AI and democracy, Li said her hope when co-founding HAI was to work closely with Stanford’s policy centers, such as the Hoover Institution, adding that she and Rice discuss the implications of AI in the hands of authoritarian regimes when they have drinks. “Wine time,” Rice said, clarifying.

By the end of their talk, Stanford’s ability to sway Washington sounded almost as powerful as any tech giant. After Rice commented that “a lot of the world feels like this is being done to them,” Li shared that she visited the State Department a couple months ago and tried to emphasize the boon this technology could be to the health-care and agriculture sectors. It was important to communicate those benefits to the global population, Li said.

clarification

This story has been updated to reflect that the White House is preparing an AI-related executive order and has already introduced voluntary company pledge.


 




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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