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 : NSK100
Exam Name : Netskope Certified Cloud Security Administrator (NCCSA) Certification
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I-20 and DS-2019 Requests for New Admits

Below is information about requesting a certificate of eligibility (Form I-20 or DS-2019) from the Reves Center for a student visa. The Reves Center's goal is to issue the I-20 or DS-2019 within 3 business days of receipt of complete request.

Deadlines

Fall Admits: June 15

Spring Admits: December 5

Summer  Admits: April 15

I-20s and DS-2019s

An I-20 or DS-2019 is a document issued by the Reves Center to enable an international student to obtain an F-1 or J-1 student visa.

  • I-20s are primarily issued for degree-seeking students.
  • DS-2019s are primarily issued for international exchange students, but degree-seeking students can qualify if a substantial portion (at least 33%) of their funding comes from sources other than personal/family funds.
  • New process: Starting March 2015, I-20s and DS-2019s will be requested and issued through their online system iStart. Here is how it will work:

  • The system will email the student to complete an online biographic form and upload a copy of his/her passport identity page and financial documentation.
  • Once he/she completes that, the request will be routed electronically to the respective admissions officer or department administrator. The admissions officer/department administrator will confirm the following:
  • Date that the student needs to be on-campus (if earlier than the standard arrival date).
  • How English proficiency was assessed (i.e. TOEFL score, attended a English speaking high school or university, etc)
  • How the I-20 or DS-2019 should be sent (UPS, US airmail, etc)
  • If the student will be employed by W&M (e.g. as a graduate assistantship)
  • Once the admissions officer/department administrator answers those 4 questions, the request will automatically route to the Reves Center for issuance and mailing of the I-20 or DS-2019.
  • Summer Admits

    Students can arrive in the U.S. up to 30 days before the start date listed on their I-20 or DS-2019.  If program activities will begin before this time, they can issue an I-20 or DS-2019 with an earlier start date, as long as the student will be enrolled full time (in at least 6 credits). If you have questions about this, contact their office.

    SEVIS Transfer Students

    Students already attending a school in the U.S. on an F-1 or J-1 visa may need to have their SEVIS record transferred to us. When they receive the request from the department, they will determine if a SEVIS transfer is needed; if so, they will contact the student.


    Answers sought over impact of EWM administration news on Carlisle Utd

    Carlisle United's close financial ties to Edinburgh Woollen Mill are back under the spotlight as Philip Day's company prepare to call in administrators.

    The shock news, which puts around 24,000 jobs at risk across EWM's retail empire, could also have implications for the Blues.

    United owe £2.1m to EWM after Day's firm set up a "loan facility" to the Brunton Park club in 2017.

    That debt is secured against United's assets, and is subject to personal guarantees by the club's owners.

    Carlisle have today declined to comment on any potential ramifications of the news of EWM's notice of intention to appoint administrators.

    Their supporters' trust CUOSC, who own 25.4 per cent of United's holding company, say they are talking to the club's owners about the situation.

    In a statement CUOSC said: "CUOSC are aware of the reports concerning EWM.

    "We know nothing more than what has been reported by news outlets. They are in contact with the other owners of the football club.

    "We are actively pursuing further information and will comment when they know more." 

    The news has inevitably raised concerns among fans given the close links between United and Day's firm.

    Carlisle-based EWM have been long-standing sponsors of United but stepped up their involvement in 2017 when they came to the club's financial aid with loans.

    They have played an influential part in a change of financial approach at the club since then with Carlisle reducing their spending.

    EWM's group financial controller John Jackson is a director of CUFC Holdings while EWM have also provided ring-fenced funding for the appointment of a the club's director of football - David Holdsworth, who is also close to Day.

    The firm's billionaire boss Day was at Brunton Park only last month in a rare appearance at the ground to watch Carlisle's EFL Trophy game against Fleetwood.

    Last week Blues co-owner John Nixon insisted "no news was good news" regarding the impact of Covid-19 on EWM's involvement in potential ownership "succession" at the top of United.

    The club have not drawn on the loan facility for the last 12 months. Nixon also said: "EWM have been good to us, they’ve invested money when they needed it three or four years ago and they’ve been there ever since. If anything was to change on that I’ve got an assurance and I fully trust them that they would get to hear of anything that might have an effect on us first so they can be prepared."

    In February Nixon said he and his fellow owners had "run out of cash" and were hoping EWM would take a share of the club. There was speculation that a new firm set up by Day in 2019, called Eden Valley Sport Ltd, could be connected with such moves. There has been little sign of any business activity by that company since then.

    EWM, who are working with insolvency specialists FRP to carry out a review of the group, have written to the group's staff to warn them that the Covid-19 climate had taken its toll on sales.

    Chief executive Steve Simpson said the past seven months had been "extremely difficult".

    He also cited the effect of what he described as "false rumours" - strongly denied - about unpaid bills connected to suppliers in Bangladesh.

    Simpson said such rumours had impacted EWM's credit insurance and this, along with the Covid lockdowns, had "made normal rading impossible".

    “As directors, they have a duty to the business, their staff, their customers and their creditors to find the very best solution in this brutal environment," he added.

    “We have applied to court today for a short breathing space to assess their options before moving to appoint administrators.

    “Through this process I hope and believe they will be able to secure the best future for their businesses, but there will inevitably be significant cuts and closures as they work their way through this.

    “I would like to thank all their staff for their amazing efforts during this time and also their customers who have remained so loyal and committed to their brands.”

    An FRP spokesman said: “Our team is working with the directors of a number of the Edinburgh Woollen Mill Group subsidiaries to explore all options for the future of its retail brands Edinburgh Woollen Mill, Jaeger, Ponden Home, and Peacocks.”

    At the end of this process, EWM are expected to appoint FRP Advisory as administrators who will carry out restructuring of the wider business.

    The News & Star is seeking further comment from EWM and FRP about any potential implications for United. Strategic advisors Maitland, who are working with EWM, declined to comment today, saying it was too early in the process to do so.


    Social Security Administration burdens seniors with push for clawbacks, lawmakers say

    No result found, try new keyword!A bipartisan letter sent by House members in the Ohio delegation presses Dr. Kilolo Kijakazi, the acting commissioner of the Social Security Administration (SSA), for answers on its efforts to ...
     


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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