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.
Wo erhalte ich vollständige Informationen über PgMP?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PgMP: Program Management Professional Prüfung.
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Exam Number : PgMP
Exam Name : Program Management Professional
Vendor Name : PMI
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PgMP test Format | PgMP Course Contents | PgMP Course Outline | PgMP test Syllabus | PgMP test Objectives
Number of Questions: 170 multiple-choice questions (150 scored- 20 unscored pretest questions)
Duration: 240 minutes (4 hours)
Delivery Method: Computer-based testing (CBT) at authorized Pearson VUE centers or online proctored
Languages: English- Chinese (Simplified)
Passing Score: Not publicly disclosed by PMI (determined by psychometric analysis; typically requires 70-75% correct on scored questions- but confirm via official PMI resources)
Attempts Allowed: Up to 3 attempts within one year of application approval
Domain I - Strategic Program Alignment
- Perform an initial program test by defining the program objectives- requirements- and risks to ensure program alignment with the organizations strategic plan- objectives- priorities- vision- and mission statement.
- Establish a high-level road map with milestones and preliminary estimates to obtain initial validation and approval from the executive sponsor.
- Define the high-level road map and financial framework to set a baseline for program definition- planning- and execution.
- Define the program mission statement by evaluating the stakeholders concerns and expectations to establish program direction.
- Evaluate the programs business case to develop- validate- and assess the program objectives- priority- feasibility- readiness- and alignment with the organizations strategic plan.
- Analyze the available information about organizational and business strategies- internal and external influences- and program drivers to identify and quantify the benefits that program stakeholders expect to realize using research methods such as market analysis and high-level cost-benefit analysis to develop the preliminary program scope and define the benefits realization plan.
- Estimate the high-level financial framework and nonfinancial benefits of the program to obtain/maintain funding authorization and drive prioritization of projects within the program.
- Evaluate program objectives relative to regulatory and legal constraints- social impacts- sustainability- cultural considerations- political climate- and ethical concerns to ensure stakeholder alignment and program deliverability.
- Obtain organizational leadership approval for the program by presenting the program charter with its high-level costs- milestone schedule- and benefits to receive authorization to initiate the program.
- Identify and evaluate integration opportunities and needs (for example- human capital and human resource requirements and skill sets- facilities- finance- assets- processes- and systems) within program activities and operational activities to align and integrate benefits within or across the organization.
- Exploit strategic opportunities for change to maximize the realization of benefits.
Domain II - Program Life Cycle Management
- Develop the program charter consisting of the program scope- assumptions- constraints- high-level risks- high-level benefits and their realization- timing- key stakeholders- outcomes- resource allocation- and other provisions that tie the program to the business case- thereby enabling strategic alignment using input from all stakeholders to initiate and design program and benefits.
- Translate strategic objectives into high-level program scope statements by negotiating with stakeholders- including sponsors/steering committee- to create a program scope description.
- Develop a program roadmap using the goals and objectives of the program- applicable historical information- and other available resources (for example- work breakdown structure (WBS)- scope statements- and benefits realization plan) to align the program with the strategy- and manage the expectations of stakeholders- including sponsors/steering committee.
- Develop a responsibility assignment matrix by identifying and assigning program roles and responsibilities to build the program management core team and differentiate between the program and project resources.
- Define standard measurement criteria- including key performance indicators- for success and review points for all constituent projects/components by analyzing stakeholder expectations and requirements across the constituent projects/components to monitor and control the program.
- Conduct program kick-off with key stakeholders by holding meetings to familiarize the organization with the program and obtain stakeholder buy-in.
- Develop a detailed program scope statement by incorporating the program vision and all internal and external objectives- goals- influences- and variables to facilitate overall planning.
- Develop program WBS to determine- plan- and assign the program tasks and deliverables.
- Establish the program management plan and schedule by integrating plans for constituent projects/components and creating plans for supporting program functions (for example- quality- risk- communication- and resources) to effectively forecast- monitor- and identify variances during program execution.
- Optimize the program management plan by identifying- reviewing- and leveling resource requirements (for example- human resources- materials- equipment- facilities- and finance) to gain efficiencies and maximize productivity/synergies among constituent projects/components.
- Define project/program management information system (PMIS) by selecting tools and processes to share knowledge- intellectual property- and documentation across constituent projects/components to maximize synergies- savings- and benefits realization per the governance framework.
- Identify and manage unresolved project-level issues by establishing a monitoring and escalation mechanism and selecting a course of action consistent with program constraints and objectives to achieve program benefits realization.
- Develop the benefits management plan including benefits integration- transition- and sustainment by defining exit criteria to ensure all administrative- commercial- and contractual obligations are met upon program completion.
- Develop key performance indicators (KPIs) by using decomposition/mapping to manage the program and implement a scope and quality management system within the program.
- Monitor human resources for program and project roles- including subcontractors- and identify opportunities to Strengthen team motivation (for example- develop compensation- incentive- and career alignment plans) and negotiate contracts to meet and/or exceed benefits realization objectives.
- Charter and initiate constituent projects/components by assigning project managers and allocating appropriate resources to achieve program objectives.
- Establish consistency by deploying governance framework- uniform standards- resources- infrastructure- tools- and processes to enable informed program decision-making.
- Establish a communication feedback plan and reporting process to capture lessons learned and the teams experiences throughout the program.
- Lead human resource functions by training- coaching- mentoring- and recognizing the team to Strengthen team engagement and achieve commitment to the programs goals.
- Review project managers performance in executing the project per the project plan to maximize their contribution to achieving program goals.
- Execute the appropriate program management plans (for example- quality- risk- communication- resourcing) using the tools identified in the planning phase and by auditing the results to ensure the program outcomes are aligned with the strategy and deliver anticipated benefits.
- Consolidate project and program data using predefined program plan reporting tools and methods to monitor and control the program performance and communicate to stakeholders.
- Evaluate the programs status to monitor and control the program while maintaining current program information.
- Approve closure of constituent projects/components upon completion of defined deliverables to ensure scope is compliant with the functional overview.
- Analyze variances and trends in costs- schedule- quality- and risks by comparing genuine and forecast to planned values to identify corrective actions or opportunities.
- Update program plans by incorporating corrective actions to ensure program resources are employed effectively to meet program objectives and deliver program benefits.
- Manage program-level issues (for example- human resource management- financial- technology- scheduling) by identifying and selecting a course of action consistent with program scope- constraints- and objectives to achieve program benefits.
- Manage changes per the change management plan to control scope- quality- schedule- cost- contracts- risks- and rewards to achieve program benefits.
- Conduct impact exams for program changes and recommend decisions to obtain approval per the governance framework.
- Manage risk per the risk management plan to ensure benefits realization.
- Complete a program performance analysis report by comparing genuine values to planned values for scope- quality- cost- schedule- and resource data to determine program performance.
- Conduct program closure within the boundaries of the governance framework.
- Execute the transition and close-out of the program and all constituent projects and/ or components (for example- perform administrative and PMIS program closure- archive program documents and lessons learned- and transfer ongoing activities to the functional organization) to transition program benefits and meet program objectives and/or ongoing operational sustainability.
- Conduct the post-review meetings by presenting the program performance reports to obtain feedback and capture lessons learned.
- Report lessons learned and best practices observed and archive to the knowledge repository to support future programs and organizational improvement.
Domain III - Benefits Management
- Develop the benefits realization plan and its measurement criteria to set the baseline for the program and communicate to stakeholders- including sponsors /steering committee.
- Identify and capture synergies and efficiencies identified throughout the program life cycle to update and communicate the benefits realization plan to stakeholders- including sponsors /steering committee.
- Develop a sustainment plan that identifies the processes- measures- metrics- and tools necessary for the management of benefits beyond the completion of the program to ensure the continued realization of intended benefits.
- Monitor the metrics (for example- by forecasting- analyzing variances- developing “what if” scenarios and simulations- and utilizing causal analysis) to take corrective actions in the program and maintain and/or potentially Strengthen benefits realization.
- Verify that the close- transition- and integration of constituent projects /components and the program meet or exceed the benefit realization criteria to achieve the programs strategic objectives.
- Maintain benefits register and record program progress to report the benefit to stakeholders via the communications plan.
- Analyze and update the benefits realization and sustainment plans for uncertainty- risk identification- risk mitigation- and risk opportunity to determine if corrective actions are necessary and communicate to stakeholders.
- Develop a transition plan to operations to certain the sustainment of products and benefits delivered by the program.
Domain IV - Stakeholder Engagement
- Identify stakeholders- including sponsors/steering committee- and create the stakeholder matrix to document their position relative to the program.
- Perform stakeholder analysis through historical analysis- personal experience- interviews- knowledge base- review of formal agreements (for example- request for proposal (RFP)- request for information (RFI)- contracts)- and input from other sources to create the stakeholder engagement plan.
- Negotiate the support of stakeholders- including sponsors/steering committee- for the program while setting clear expectations and acceptance criteria (for example- KPIs) for the program benefits to achieve and maintain their alignment with the program objectives.
- Generate and maintain visibility for the program and confirm stakeholder support to achieve the programs strategic objectives.
- Define and maintain communications adapted to different stakeholders- including sponsors/steering committee- to ensure their support for the program.
- Evaluate risks identified by stakeholders- including sponsors/steering committee- and incorporate them in the program risk management plan- as necessary.
- Develop and foster relationships with stakeholders- including sponsors/steering committee- to Strengthen communication and enhance their support for the program.
Domain V - Governance
- Develop program and project management standards and structure (governance- tools- finance- and reporting) using industry best practices and organizational standards to drive efficiency and consistency among projects and deliver program objectives.
- Select a governance framework structure including policies- procedures- and standards that conforms program practices with the organizations governance structure to deliver program objectives consistent with organizational governance requirements.
- Obtain authorization(s) and approval(s) through stage gate reviews by presenting the program status to governance authorities to proceed to the next phase of the program.
- Evaluate key performance indicators (for example- risks- financials- compliance- quality- safety- and stakeholder satisfaction) to monitor benefits throughout the program life cycle.
- Develop and/or utilize the program management information system)- and integrate different processes as needed- to manage program information and communicate status to stakeholders.
- Regularly evaluate new and existing risks that impact strategic objectives to present an updated risk management plan to the governance board for approval.
- Establish escalation policies and procedures to ensure risks are handled at the appropriate level.
- Develop and/or contribute to an information repository containing program-related lessons learned- processes- and documentation contributions to support organizational best practices.
- Identify and apply lessons learned to support and influence existing and future programs or organizational improvement.
- Monitor the business environment- program functionality requirements- and benefits realization to ensure the program remains aligned with strategic objectives.
- Develop and support the program integration management plan to ensure operational alignment with program strategic objectives.
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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

