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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Amazon SAA-C03 : AWS Certified Solutions Architect - Associate exam Dumps

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Exam Number : SAA-C03
Exam Name : AWS Certified Solutions Architect - Associate
Vendor Name : Amazon
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SAA-C03 exam Format | SAA-C03 Course Contents | SAA-C03 Course Outline | SAA-C03 exam Syllabus | SAA-C03 exam Objectives

Title: AWS Certified Solutions Architect - Associate (SAA-C03)

Test Detail:
The AWS Certified Solutions Architect - Associate (SAA-C03) exam validates the knowledge and skills required to design and deploy scalable, highly available, and fault-tolerant systems on the Amazon Web Services (AWS) platform. This certification is designed for individuals who work as solutions architects and are responsible for designing and implementing AWS-based applications.

Course Outline:
The AWS Certified Solutions Architect - Associate course provides participants with comprehensive knowledge and hands-on experience in designing and deploying applications on AWS. The following is a general outline of the key areas covered in the certification program:

1. Introduction to AWS:
- Overview of AWS services and the AWS Management Console
- Understanding the AWS global infrastructure and regions
- Key AWS architectural principles and best practices

2. AWS Identity and Access Management (IAM):
- Managing user accounts and access with IAM
- Configuring IAM policies and roles for secure access
- Implementing multi-factor authentication (MFA) for enhanced security

3. Amazon Simple Storage Service (S3):
- Understanding S3 storage classes and features
- Configuring S3 buckets and managing object lifecycle
- Implementing data encryption and security in S3

4. Amazon Elastic Compute Cloud (EC2):
- Selecting and launching EC2 instances
- Configuring security groups and network access control
- Managing EC2 instances and scaling resources

5. Amazon Virtual Private Cloud (VPC):
- Designing and implementing VPC networks and subnets
- Configuring network access control lists (ACLs) and route tables
- Connecting VPCs with VPN and Direct Connect

6. AWS Database Services:
- Understanding AWS database services such as Amazon RDS and Amazon DynamoDB
- Designing and implementing scalable and highly available databases
- Configuring backup, restore, and replication for database services

7. AWS Security and Compliance:
- Implementing security best practices in AWS environments
- Configuring AWS security services such as AWS WAF and AWS Shield
- Understanding AWS compliance programs and regulations

Exam Objectives:
The AWS Certified Solutions Architect - Associate (SAA-C03) exam assesses candidates' understanding of AWS services, architecture design principles, and best practices for deploying applications on AWS. The exam objectives include, but are not limited to:

1. Designing and deploying scalable, highly available, and fault-tolerant systems on AWS.
2. Selecting appropriate AWS services based on compute, storage, database, and security requirements.
3. Understanding and implementing AWS architectural best practices.
4. Designing secure and compliant applications on AWS.

The AWS Certified Solutions Architect - Associate certification program typically includes instructor-led training and hands-on labs provided by AWS or authorized training partners. The syllabus provides a breakdown of the Topics covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to AWS and the SAA-C03 exam
- AWS Identity and Access Management (IAM)
- Amazon Simple Storage Service (S3)
- Amazon Elastic Compute Cloud (EC2)
- Amazon Virtual Private Cloud (VPC)
- AWS Database Services
- AWS Security and Compliance
- exam Preparation and Practice Tests
- Final AWS Certified Solutions Architect - Associate Certification Exam

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CAPM vs PMP Certification: Which is Right for You?

Managers gathered in conference roomProject management is one of the fastest-growing professions, with an estimated 25 million jobs expected to be created around the world by 2030. To fill these roles, businesses across industries are seeking new project managers with the qualifications and expertise necessary to make a positive impact in their organizations.The Certified Associate in Project Management (CAPM)® and Project Management Professional (PMP)® are both specialized credentials offered through the Project Management Institute (PMI)® that Strengthen credibility and offer professionals opportunities to increase their skills, lead larger projects and advance their careers.

In order to choose the certification that best aligns with your intended career goals, it is critical to understand the differences between CAPM and PMP certification. These differences include prerequisites, cost, level of difficulty and industry-wide perception of the credentials.

Because those planning to earn CAPM certification are not required to have project management experience or a four-year degree, the CAPM is ideal for latest community college graduates or current undergraduates who want to bolster their resume with a credential that demonstrates a commitment to a career in project management.

While the CAPM is ideal for people beginning their careers, there are some additional prerequisites, including that candidates must complete 23 contact hours before taking the exam. Contact hours are hours spent in project management education or training. These hours can be completed on site or online, enabling candidates to fulfill this requirement without putting their professional, educational or personal obligations on hold. Some universities may also offer project management education at this level as a part of a degree program.

  • A secondary degree (high school diploma, associate degree or the global equivalent)
  • 60 months of experience leading and directing projects within the past eight years
  • 35 hours of project management education/training or CAPM certification
  • OR

  • A four-year degree
  • 36 months of leading and directing projects within the past eight years
  • 35 hours of project management education/training or CAPM certification
  • While the PMP certification does not require a bachelor’s degree, job candidates who hold a four-year degree have a significant advantage. PMP candidates with a secondary degree must have 60 months of experience in leading and directing projects to qualify, while those with a four-year degree are only required to have 36 months of experience.
  • In addition, the PMP certification requires 35 hours of project management education, compared to the CAPM’s 23-hour minimum requirement. Purdue’s flexible online Project Management Essentials course fulfills the hourly requirement of both certifications.
  • CAPM vs. PMP Certification exam Cost

    Professionals who pursue project management certification are making a valuable, long-term investment in their careers. Part of that investment does include exam fees.

    The PMI requires a fee for both exams, with the cost of the CAPM exam at $225 for PMI members and $300 for non-members. The cost of the PMP exam is $405 for PMI members and $575 for non-members. See the table below for a quick comparison.

    PMI members Non-members CAPM exam cost $225 $300 PMP exam cost $405 $575

    A one-year membership to the PMI is $139 and comes with many tools and templates for your professional use, including a downloadable copy of the Project Management Body of Knowledge (PMBOK® Guide).

    Many companies offer professional development benefits that may cover employee education and professional credentialing costs. According to a 2022 survey by the Society for Human Resources, 78% of employers cover opportunities for professional skill development.

    How Difficult Are the CAPM and PMP Certification Exams?

    Because the CAPM is geared toward entry-level project managers or those who are considering a project management career, the CAPM exam is widely considered to be less rigorous than the PMP exam.

    The CAPM exam questions are derived from the PMBOK® Guide, PMI’s global standards for project management, as well as other sources, which are listed (with the relevant chapters) in the CAPM exam reference list.

    The PMP certification exam, on the other hand, is appropriate for individuals of varying experience levels — from those early in their career to established professionals with more significant project management experience — and is therefore more challenging to achieve.

    Like the CAPM, the PMP exam also covers the PMBOK® Guide, but it also includes questions designed to test whether the candidate knows how to handle real-world project management scenarios.

    To pass the PMP Exam, PMI not only recommends studying the PMBOK® Guide, the PMP exam Content Outline and the PMP handbook, but also enrolling in a formal course of study offered by a PMI Authorized Training Partner (ATP), such as Purdue University.

    CAPM exam Details

    The CAPM exam consists of 150 questions that call for multiple-choice, hot spot and drag-and-drop responses, in addition to animations and comic strips. The exam questions cover four domains to integrate different project delivery approaches, with a specific proportion of questions in each.

    CAPM Domain Proportion of exam Questions Project Management Fundamentals and Core Concepts 36% Predictive, Plan-Based Methodologies 17% Agile Frameworks/Methodologies 20% Business Analysis Frameworks 27%

    Candidates have three hours to complete the test, with a 10-minute break in the middle.

    PMP exam Details

    The PMP exam consists of 180 questions that fall under three domains in predetermined proportions. About half of the questions represent predictive project management approaches, while the other half represent agile or hybrid approaches. Questions regarding these different approaches are spread throughout the domains.

    PMP Domain Proportion of exam Questions People: includes managing conflict; building and leading a team; supporting team members and stakeholders; and collaboration 42% Process: includes communication, risk management, scope and schedule planning/management and project methodology selection 50% Business Environment: includes managing project compliance, assessing project value and integrating organizational change 8%

    Candidates have 230 minutes to complete the exam, with two 10-minute breaks.

    CAPM vs. PMP Certification: Industry-Wide Benefits

    Considering that the CAPM certification is more affordable and requires less experience than PMP certification, project managers may ask themselves, “Why would I pursue PMP certification?” The answer is simple: The PMP is the most significant, industry-recognized certification for project managers worldwide.

    PMPs work in a wide range of industries in almost every country. Many employers require PMP certification when hiring project managers because PMPs have demonstrated the knowledge and skills necessary to lead complex projects and direct project teams.

    PMPs bring value to their organizations while advancing their own careers. Project managers with a PMP certification earn a 22% higher median salary than those without a PMP certification, according to PMI’s Earning Power Salary Survey.

    While CAPM certification isn’t as widely recognized as PMP certification, it demonstrates knowledge of PMI’s project management framework and project management processes, which can certainly benefit candidates when applying for jobs. In addition, CAPM-certified employees have a working knowledge of the PMBOK® Guide, which can serve as an excellent first step to eventually pursue PMP certification.

    Frequently Asked Questions

    Is it possible to convert a CAPM to a PMP?Converting to PMP certification is not an option. However, CAPM certification meets the PMP exam requirement for 35 hours of project management education/training, so you can achieve PMP certification faster.

    How much experience do you need for CAPM certification?CAPM certification does not require any professional experience, making it an attractive credential for latest graduates as well as anyone seeking to begin a career in project management. However, it does require a minimum of 23 contact hours of project management education.

    How much experience do you need for PMP certification?The experience needed to qualify for the PMP exam and go on to earn PMP certification is based on previous education:

  • Professionals with a four-year degree must have a minimum of three years (36 months) of non-overlapping project management experience, during which at least 4,500 hours were spent leading and directing project tasks and activities.
  • Professionals without a four-year degree must have a minimum of five years (60 months) of non-overlapping project management experience, during which at least 7,500 hours were spent leading and directing project tasks and activities.
  • The experience requirements must have been accumulated within the past eight years.

    Do I have to be a PMI member to earn CAPM certification?PMI membership is not required to take the CAPM exam or earn certification, but members do receive a discount on the exam fee ($60 for PMI members, down from $150 for non-members), as well as other benefits.

    Do I have to be a PMI member to earn PMP certification?No, it is not necessary to become a PMI member to earn PMP certification, though members do have a reduced exam fee ($60 for PMI members, down from $150 for non-members) among other benefits.

    How long does it take to process the CAPM application? How long does it take to process the PMP application?According to the PMI, applications take about five to ten days to process.

    Do I need to renew my CAPM certification or my PMP certification?Yes, both the CAPM certification and the PMP certification require a renewal every three years.

  • Professionals with CAPM certification need to pay a renewal fee ($60 for PMI members, $150 for non-members) plus earn 15 professional development units (PDUs) over the three-year cycle in order to maintain their status. These PDUs are broken down into nine PMI Talent Triangle PDUs and six Giving Back PDUs.
  • Those who have a PMP certification will need to pay a renewal fee ($60 for PMI members, $150 for non-members) plus earn 60 PDUs over the three-year cycle to maintain their status. PMP professionals have some choice in how they distribute their required PDUs; visit the PMI’s requirements page for more information.
  • Purdue University’s Online Project Management Courses

    Professionals who participate in Purdue University’s online project management courses can gain a wealth of field knowledge, solid foundational skills, and exceedingly effective preparation for the PMP exam in order to obtain a project management certificate. Course materials and activities align closely with A Guide to the Project Management Body of Knowledge (PMBOK® Guide) to help learners retain project management knowledge and apply it to their current projects.

    Project Management EssentialsThis 100% online, instructor-led course runs for eight weeks and allows working professionals to gain familiarity with basic project management concepts and terms.

    Participants are empowered to begin effectively applying their newly acquired knowledge and skills to current projects and earn project management hours that can help qualify them to take the PMP exam.

    Experienced PME instructors engage participants in a range of learning activities, including directed study of the PMBOK® Guide; online discussions; recorded lectures; quizzes and self-tests; and written assignments. The instructors also welcome the opportunity to coach interested learners on an individual basis via email or scheduled phone appointment.

    PMP exam PreparationPMP exam Preparation is a live, virtual course based on the PMBOK® Guide. Enrollment includes 90-day access to all course material, which is 100% aligned to the Project Management Institute’s PMP® exam Prep content.

    Participants get an in-depth review of some of the most challenging learning material on the exam and learn how to build a personal study plan.

    This course is for project managers who have a minimum of three years’ experience and prior knowledge of the PMBOK® Guide.

    Project Management Professional, PMP, CAPM, and PMBOK are registered marks of the Project Management Institute, Inc.

    Request Information

    To learn more about Purdue University’s online Project Management courses and get a free brochure, fill out this form. You can also email us at PMonline@purdue.edu or call us at (888) 390-0499 to speak to one of their program advisors.

    * All Fields are Required. Your Privacy is Protected.

    Purdue University respects your right to privacy. By submitting this form, you consent to receive emails and calls from a representative of Purdue University, which may include the use of automated technology. Consent is needed to contact you, but is not a requirement to register or enroll.

      Are you enrolling from outside the U.S.? Click Here.

    SourcesProject Management Institute. 2020. “PMI® Certifications.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/certifications/generic-certification-handbook-sixteen-translations.pdf

    Project Management Institute. 2023. “PMI® Certified Associate in Project Management (CAPM®) exam Content Outline.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/certifications/capm20ecofinal.pdf

    Project Management Institute. 2021. “Project Management Professional (PMP®) exam Content Outline.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/certifications/pmp-examination-content-outline.pdf

    Project Management Institute. 2021. “Talent Gap: Ten-Year Employment Trends, Costs, and Global Implications.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/learning/career-central/talent-gap-report-2021-finalfinal.pdf

    Society for Human Resources. 2022. “Employee Benefits Survey: Executive Summary.” Accessed June 5, 2023. https://shrm-res.cloudinary.com/image/upload/v1654193525/Membership%202022/Employee_Benefits_Survey_-_Executive_Summary_-_FINAL.pdf

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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 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.


    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:


    • 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


    • 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