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 : ISO20KF
Exam Name : IT Service Management Foundation Bridge based on ISO/IEC 20000:2018
Vendor Name : Exin
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ISO20KF exam Format | ISO20KF Course Contents | ISO20KF Course Outline | ISO20KF exam Syllabus | ISO20KF exam Objectives

Title: IT Service Management Foundation Bridge based on ISO/IEC 20000:2018

Test Detail:
The IT Service Management Foundation Bridge based on ISO/IEC 20000:2018 certification is offered by EXIN. It is designed for IT professionals who have already obtained an ITIL Foundation certification and want to expand their knowledge and skills in IT service management aligned with the ISO/IEC 20000 standard. The certification provides an understanding of the key concepts and principles of ISO/IEC 20000 and its relationship with ITIL.

Course Outline:
The IT Service Management Foundation Bridge course covers the essential aspects of ISO/IEC 20000:2018 and its alignment with ITIL. The course aims to bridge the knowledge gap between ITIL Foundation and ISO/IEC 20000. The following is a general outline of the key areas covered in the certification program:

1. Introduction to ISO/IEC 20000:
- Overview of IT service management and its importance
- Introduction to ISO/IEC 20000 and its purpose
- Key terms and definitions in ISO/IEC 20000
- Relationship between ISO/IEC 20000 and ITIL

2. ISO/IEC 20000 Requirements and Processes:
- Understanding the structure of ISO/IEC 20000:2018
- Requirements of the ISO/IEC 20000 standard
- Service management processes and their alignment with ITIL
- Documentation and records management in ISO/IEC 20000

3. ISO/IEC 20000 Certification and Audits:
- Certification process and requirements for ISO/IEC 20000
- Roles and responsibilities in the certification process
- Conducting internal audits and management reviews
- Continual improvement and the PDCA (Plan-Do-Check-Act) cycle

4. Relationship between ITIL and ISO/IEC 20000:
- Alignment of ITIL with ISO/IEC 20000 processes
- ITIL best practices and their applicability to ISO/IEC 20000
- Benefits of integrating ITIL and ISO/IEC 20000 frameworks
- Achieving service excellence through combined approaches

Exam Objectives:
The IT Service Management Foundation Bridge certification exam assesses candidates' understanding of ISO/IEC 20000:2018 and its relationship with ITIL. The exam objectives include, but are not limited to:

1. Demonstrating knowledge of ISO/IEC 20000 key concepts and principles.
2. Understanding the requirements and processes of ISO/IEC 20000:2018.
3. Recognizing the certification process and roles in ISO/IEC 20000.
4. Identifying the relationship between ITIL and ISO/IEC 20000.

Syllabus:
The IT Service Management Foundation Bridge certification program typically includes self-study materials or instructor-led training provided by EXIN or authorized training providers. The syllabus provides a breakdown of the courses covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to ISO/IEC 20000
- ISO/IEC 20000 Requirements and Processes
- ISO/IEC 20000 Certification and Audits
- Relationship between ITIL and ISO/IEC 20000
- exam Preparation and Practice Tests
- Final IT Service Management Foundation Bridge Certification Exam

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The Stanford University ‘boot camp’ teaching Congress about AI

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AI may be one of the few subjects capable of uniting Democrats and Republicans in Congress — at least in terms of their shared desire to learn more about the fast-moving technology. Next week, congressional staffers from both sides of the aisle in the House and the Senate will come together on Stanford University’s bucolic, 8,000-acre California campus — not to admire the campus’ Mission Revival and Romanesque architecture, or to party, but to attend the Congressional Boot Camp on AI , run by the Stanford Institute for Human-Centered AI (HAI).

The three-day course will school congressional attendees about all things artificial intelligence — with sessions unpacking what AI means for issues such as international security, the future of work, bias, privacy, and healthcare. It includes field trips to Stanford labs for interactive experiences, as well as lectures by Stanford University professors and leaders from Silicon Valley. Participants receive a Stanford University certificate of completion at the conclusion of the boot camp.

As Senate and House move on AI regulation, education is key

As the Senate and House race to catch up to the speed of AI development and tackle possible regulation, they have a lot to learn about these complex technologies, as well as their benefits and risks. That means teaching senators, representatives and their staffs about everything from large language models (LLMs) and open source AI to AI safety, security and ethics issues.

Senator Chuck Schumer (D-NY) is already planning a crash course in AI for senators this fall, which will include at least nine forums with top experts on copyright, workforce issues, national security, high-risk AI models, existential risks, privacy, transparency and explainability as well as elections and democracy.

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The boot camp is about equipping participants with the information they need to think critically about regulating and governing AI, said Russell Wald, Stanford HAI’s managing director for policy and society,

“For us, it’s not trying to inform people and tell them what to do,” Wald told VentureBeat in an interview. “It’s more to give them the tools so that they can have the critical thinking and analysis that would come from a lot of this.”

The first Stanford AI boot camp was held in 2019

Stanford HAI isn’t new to the “boot camp” concept to educate Congress — the first was held in 2014, and focused on cybersecurity. At the time, “there was just this lack of knowledge on cyber,” said Wald. “Someone on the Intelligence Committee told one of my colleagues something like, ‘If you can take us, on a one-to-10 scale, from a three to a five in terms of general knowledge on this topic, you’ve done the nation a service.”

That led to the first AI-focused boot camp in 2019. “There was someone on the Ways and Means Committee that came to that program — now she’s the U.S. Trade Representative and a member of Biden’s cabinet,” said Wald, presumably referring to Katherine Tai.

These days, the AI knowledge gap is still “fairly significant” among congressional staffers, he said, but added that there is a great desire to learn more. “There are people who are informed, but I also find that they’re in the midst of an evolving field,” he explained. “So for every minute that you feel like you might have it, something changes — they know it’s important, they know they need to learn a lot, so there’s a level of humility coming into this.”

That’s important, Wald explained, because AI has now expanded to more jurisdictions beyond the science or technology committees in Congress.

“[AI] is actually going to affect people’s lives; it’s going to affect health care, labor, you name it,” he said. “So in that sense, it’s going to require people to come to the table — you don’t need to be a technologist, but that doesn’t absolve you of [being] a thoughtful, active participant in [these issues].”

A diverse cohort of congressional attendees learning about AI

The congressional staffers generally have to apply for the AI boot camp, which strives for diversity by race, gender, as well as party chamber. Wald said there was a “ton of interest” for 2023, a 40% increase in applications over last year.

The program draws those working in a congressperson’s personal office, he explained: For example, Congressman Dan Crenshaw (R-TX)’s legislative director attended last year, as well as staffers for Senator Cory Booker (D-NJ) and Senator Padilla (D-CA) and the executive director of the Congressional Black Caucus. “You don’t want everyone coming from the Senate Intelligence Committee, right?” said Wald.

It’s also important that the group is bipartisan, he added. “It’s something I personally strive for — this is such a powerful technology, that if we’re going to let the vitriolic politics they seem to be surrounded by lead the way, that’s going to be a huge problem,” he said. “I’m not of the mindset of ‘we teach Democrats,’ or ‘we teach Republicans.’ They teach those who want to learn and help them understand.”

That 2022 cohort heard from people such as Fei-Fei Li, professor of computer science at Stanford University and co-director of Stanford HAI; Peter Norvig, distinguished education fellow at Stanford HAI and director of research at Google; and Percy Liang, associate professor of computer science at Stanford and director of the Stanford Center for Research on Foundation Models.

A multidisciplinary approach to AI education at Stanford

Wald said that the Stanford AI experts work hard to meet policymakers where they are, especially when they have so many issues on their plates. “It’s about, what are they doing to effectively reach them so that they are really informed by this?”

That’s one reason, Wald added, why Stanford does not do the AI boot camp in Washington, D.C.

“I won’t do it in D.C. because life is going to intervene,” Wald explained. “All of a sudden it’s like, ‘My kid has a cold today’ — there’s a huge difference in commitment when you say you’re getting on a plane and you’re going to come out here.”

The curriculum begins with a baseline tutorial on what AI technology is. “We’re not telling people to get their laptops out — we’re going to start building a model,” Wald said. “Those kinds of programs are actually counterproductive. We’re teaching them to understand what the technology is, what it can and cannot do, and its impact on society — that’s what they really want them to come out of this with.”

Wald admits that Senate and House staffers also have access to learning about AI from Big Tech companies like Microsoft and Google. But, he said, there are significant differences.

“One, we’re an academic institution, so they teach people,” he said. “But also, Microsoft is ultimately going to be a product lab — their goal is to have commercially viable products that are going to be beneficial to a market. They have many professors who have unique, specific domain experience, so [what they offer is] multidisciplinary, looking at things from a very wide perspective.”

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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