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 : QlikView-System-Administrator
Exam Name : QlikView System Administrator Certification
Vendor Name : Qlik
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QlikView-System-Administrator test Format | QlikView-System-Administrator Course Contents | QlikView-System-Administrator Course Outline | QlikView-System-Administrator test Syllabus | QlikView-System-Administrator test Objectives


Exam Name: QlikView System Administrator
Exam Format: Multiple-choice- scenario-based questions
Number of Questions: ~40-60 questions
Duration: ~60-90 minutes (varies by test version)
Passing Score: ~70-75% (varies)
Delivery Method: Online proctored or at a Pearson VUE test center

1. QlikView Architecture and Components
- QlikView Server Architecture: Understanding the role of the QlikView Server- Publisher- and other components.
- QlikView Desktop vs. QlikView Server: Differences and use cases.
- QlikView Services:
- QlikView Distribution Service (QDS)
- QlikView Management Service (QMS)
- QlikView Web Server (IIS/Apache integration)
- Repository: Storage of metadata- security rules- and document settings.
- Cluster Services: Scalability and high availability configurations.

- QMC (QlikView Management Console) – Web-based admin interface for managing QlikView deployments.
- QVS (QlikView Server) – Core service for serving QlikView documents.
- QDS (QlikView Distribution Service) – Handles scheduled reloads and distribution.
- QVP (QlikView Publisher) – Manages task distribution and reloads.
- DSC (Document Storage Container) – Stores QVW files in a clustered environment.

2. Installation and Configuration
- System Requirements: Hardware- software- and OS compatibility.
- Installation Modes: Standalone- distributed- and clustered setups.
- License Management: Types of licenses (Named- CAL- Document- etc.).
- Port Configuration: Default and custom ports (4747- 4799- 80/443).
- Security Configuration: HTTPS setup- certificate management.
- Load Balancing: Configuring for high availability.

- CAL (Client Access License) – Types: Professional- Analyzer- User- Session.
- FQDN (Fully Qualified Domain Name) – Required for proper clustering.
- Service Principal Name (SPN) – Used for Kerberos authentication.
- QlikView Cluster – Multiple QVS instances working together.

3. Security and Authentication
- Authentication Methods:
- Windows Integrated (NTLM- Kerberos)
- Header-based (Proxy- SAML- LDAP)
- DMS (Directory Services Connector)
- Section Access: Dynamic data reduction based on user roles.
- Security Rules: Managing access in QMC (folders- streams- documents).
- Audit Logging: Tracking user activities and system changes.
- Data Security: Row-level security- document-level security.

- Section Access – Script-based security for row-level restrictions.
- DMS (Directory Services Connector) – Syncs AD/LDAP with QlikView.
- NTFS Permissions – File-level security for QVW documents.
- JWT (JSON Web Token) – Used in modern authentication flows.

4. Server Management and Optimization
- Task Management: Reload tasks- distribution tasks- and triggers.
- Performance Tuning:
- RAM optimization (Document Cache- RAM thresholds)
- CPU utilization (Multicore support)
- Logging and Monitoring:
- QlikView logs (Server- Publisher- DSC)
- Performance counters (CPU- memory- disk I/O)
- Scaling Strategies: Vertical vs. horizontal scaling.
- Backup and Recovery: Disaster recovery planning.

- Document Cache – Stores frequently accessed QVWs in memory.
- RAM Peak – Maximum memory usage before unloading documents.
- QlikView Scheduler – Manages reload tasks.
- QlikView Scalability Services (QSS) – Enables clustering.

5. Deployment and Distribution
- QlikView Publisher: Configuring distribution tasks.
- Reload Triggers: Time-based- event-based- or dependency-based.
- Distribution Methods: Email- file system- FTP- and SharePoint.
- Delta Loads: Incremental data updates.
- QlikView Extensions: Customizing deployments.

- Delta Load – Partial reloads to update only new/changed data.
- QVX (QlikView Data Exchange) – Used for optimized data loads.
- Task Chains – Sequential execution of reload tasks.
- Static and Dynamic Recipients – Email distribution options.

6. Troubleshooting and Maintenance
- Common Errors: License issues- memory errors- connectivity problems.
- Log Analysis: Debugging using QlikView logs (Trace- Error- Audit).
- Recovery Procedures: Restoring corrupted documents/services.
- Patch Management: Applying updates and hotfixes.
- Support Resources: Qlik Community- Helpdesk- Knowledge Base.

- QlikView Diagnostic Tool (QDT) – Collects logs for troubleshooting.
- Memory Leak – Unreleased RAM causing performance issues.
- QVF (QlikView File Format) – Backup format for documents.
- Hotfix – Patch for specific bugs or vulnerabilities.

7. Integration with Other Systems
- Qlik Sense Integration: Co-existing with QlikView.
- Database Connectivity: ODBC- OLE DB- REST APIs.
- Cloud Deployments: AWS- Azure- or hybrid setups.
- Third-Party Tools: PowerShell scripting- monitoring tools (Splunk- Nagios).

- ODBC (Open Database Connectivity) – Standard database connection.
- REST API – Used for automation and integrations.
- Hybrid Deployment – Mix of on-premise and cloud hosting.



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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