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 : SC-400
Exam Name : Microsoft Information Protection Administrator
Vendor Name : Microsoft
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SC-400 test Format | SC-400 Course Contents | SC-400 Course Outline | SC-400 test Syllabus | SC-400 test Objectives

Test Detail:
The Microsoft SC-400 exam, also known as the Microsoft Information Protection Administrator exam, is designed to validate the skills and knowledge of professionals in implementing and managing Microsoft Information Protection solutions. The test tests the candidate's understanding of data classification, information protection policies, data loss prevention, and data governance.

Course Outline:
The Microsoft Information Protection Administrator course provides comprehensive training on implementing and managing information protection solutions using Microsoft technologies. The course covers various topics, including data classification, data labeling, data loss prevention, and data governance. The following is a general outline of the key courses covered:

1. Introduction to Information Protection:
- Understanding the importance of information protection.
- Overview of Microsoft Information Protection solutions.
- Introduction to data classification and labeling.

2. Data Classification and Labeling:
- Implementing data classification and labeling policies.
- Configuring sensitivity labels and protection rules.
- Applying labels to documents and emails.
- Monitoring and managing labeled data.

3. Data Loss Prevention (DLP):
- Configuring DLP policies to prevent data leakage.
- Identifying sensitive data types and patterns.
- Creating DLP rules and conditions.
- Monitoring and reporting on DLP incidents.

4. Data Governance and Compliance:
- Implementing data retention and deletion policies.
- Configuring data governance labels and policies.
- Managing data subject requests and compliance tasks.
- Auditing and reporting on data protection activities.

Exam Objectives:
The SC-400 test assesses the candidate's knowledge and skills in the following areas:

1. Implementing and Managing Data Classification and Labeling:
- Configuring sensitivity labels and protection rules.
- Applying labels to documents and emails.
- Monitoring and managing labeled data.

2. Implementing and Managing Data Loss Prevention (DLP):
- Configuring DLP policies and rules.
- Identifying sensitive data types and patterns.
- Monitoring and reporting on DLP incidents.

3. Implementing and Managing Data Governance and Compliance:
- Implementing data retention and deletion policies.
- Configuring data governance labels and policies.
- Managing data subject requests and compliance tasks.

4. Monitoring and Troubleshooting Information Protection:
- Monitoring and reporting on information protection activities.
- Troubleshooting information protection issues.

Exam Syllabus:
The SC-400 test syllabus provides a detailed breakdown of the courses covered in the exam. It includes specific skills measured, subtopics, and references to relevant resources. The syllabus may cover the following areas:

- Implement and Manage Data Classification and Labeling
- Implement and Manage Data Loss Prevention (DLP)
- Implement and Manage Data Governance and Compliance
- Monitor and Troubleshoot Information Protection

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Microsoft Protection study help


Lenovo and Microsoft Simplify Security to Help Ensure Business Continuity

Dec 11, 2023

Lenovo and Microsoft are partnering to help organizations operate more securely across their devices, users, apps, data, networks, and cloud services through a subscription-based Cyber Resiliency as a Service (CRaaS) offering.

According to the companies, the offering enables Lenovo to build next generation security solutions and services directly on Microsoft technology including Microsoft Azure, Microsoft Defender, and Microsoft Sentinel to simplify security deployments and enhance security posture to help prevent, detect, and recover from potentially disruptive cyber events. 

CRaaS addresses growing security challenges for businesses of all sizes. With hundreds of different security tools to choose from, businesses are challenged to deploy disparate solutions into a cohesive security architecture.

CRaaS will simplify the enterprise security ecosystem by offering a comprehensive solution that brings the full power of the Microsoft security stack and is fully managed by Lenovo. Offering security features through an as-a-Service consumption model will offload labor and time-intensive tasks to free up customers and reduce overhead costs.

“Lenovo’s customers want broad protection and visibility across their organizations, a zero-trust approach, and automated security and compliance, all while streamlining their vendor relationships and effectively managing technology costs. Cyber Resiliency as a Service is their comprehensive solution to help organizations effectively contend with sophisticated and frequent cyberattacks while also tackling other cybersecurity challenges like regulatory compliance and budget constraints,” said Marc Wheelhouse, chief security officer, Lenovo Solutions and Services Group.

CRaaS will be enriched by Lenovo’s participation in the Microsoft Security Copilot Partner Private Preview. Security Copilot is an AI-powered security product that enables security professionals to respond to threats quickly, process signals at machine speed, and assess risk exposure in minutes.

It combines an advanced large language model (LLM) with a security-specific model that is informed by Microsoft’s unique global threat intelligence and more than 65 trillion daily signals.

“Security is one of the most pressing issues of their time and is key to driving business transformation and growth,” said Ann Johnson, corporate vice president, Microsoft Security Business Development. “Together with Lenovo, they will empower organizations to be more resilient, secure, and productive with end-to-end, AI-powered security solutions and services.”

CRaaS is the latest offering in Lenovo’s commitment to help protect customers and their sensitive data, complementing its Security by Design practice which safeguards devices throughout the product development lifecycle, and Lenovo ThinkShield, which delivers advanced security features across Lenovo’s portfolio of hardware, software, and services.

Lenovo’s suite of CRaaS security services is targeted for global availability by April 2024. 

For more information, visit www.lenovo.com.

Positive Personality Traits May Protect Against Dementia: Study

Dec. 11, 2023 – New research suggests that a person’s personality and outlook on life may affect the risk of being diagnosed with dementia. People with the lowest risk tend to be creative, curious, and agreeable. People with increased risk tend to be anxious, depressed, and frequently experience distressing or negative emotions.

The researchers didn’t find any links between people’s personalities and autopsy results that looked for physical signs of dementia in the brain and nervous system, suggesting that some people may be able to overcome dementia symptoms or compensate for them.

The findings were recently published in the Alzheimer’s Association journal called Alzheimer’s & Dementia. For the study, researchers pooled data from eight previous research projects that included a total of 44,531 people, of whom 1,703 had been diagnosed with dementia. The ages of the people in the analysis ranged from 49 to 81 years old. 

The researchers looked at psychological test results, whether someone was diagnosed with dementia, and also results from neuropathological data, such as from autopsies that examine nerve and brain tissue for signs of dementia.

One of the two psychological tests that the researchers used evaluates what are known as the “big five” personality traits. According to Psychology Today, each person’s personality includes these five traits to varying degrees:

  • Openness to experience, including intellectual curiosity and creative imagination
  • Conscientiousness, which includes tendencies toward organization, productiveness, and responsibility
  • Extroversion, such as sociability and assertiveness
  • Agreeableness, which includes tendencies toward compassion, respectfulness, and trust in others
  • Neuroticism, which includes tendencies toward anxiety and depression
  • The traits are evaluated by asking people to rate their agreement to dozens of statements, such as “I make friends easily” and “I am impatient.”

    In this latest study, researchers found that high scores on neuroticism and low scores on conscientiousness and extroversion were linked to an increased risk of being diagnosed with dementia. They also found that people with high scores for openness to experience and agreeableness were less likely to be diagnosed with dementia.

    In addition to the “big five,” the researchers looked for links with a second type of psychological trait know as “subjective well-being,” which includes self-reported measures that indicate how people experience and evaluate their own lives. The three subjective measures in this latest study were:

  • Life satisfaction: thinking and feeling that your life is going well
  • Positive affect: Frequently experiencing positive emotions and moods
  • Negative affect: Frequently experiencing unpleasant and distressing emotions and moods
  • People with high scores for negative affect were more likely to be diagnosed with dementia, and people with high scores for positive affect had a lower risk. 

    It’s common as people age to have subtle changes in memory, thinking, and reasoning skills, but dementia can be diagnosed when severe changes interfere with everyday life. Dementia affects more than 6 million people in the U.S., and that number is expected to nearly triple by 2060, according to the CDC.

    Previous studies have linked physical, social, and cognitive engagements to healthier cognitive aging, and evaluating the link between personality and dementia risk could help identify protective patterns. The study authors noted that prior research shows that among people age 75 years and older who have no cognitive signs of dementia, up to one-third of those people have physical signs of brain changes linked to Alzheimer’s disease, which is the most common type of dementia. Increased understanding of why some people have cognitive signs of dementia and others do not could help with prevention and treatment.

    “Personality is typically thought to be linked to dementia risk through behavior,” reads a summary about the study from the University of California, Davis, citing study author Emorie Beck, PhD, assistant professor of psychology. 

    Beck said one example of behavior potentially affecting dementia risk is that people who score high on conscientiousness may be more likely to eat well and take care of their health, which could be protective of a person’s health long-term.

    Higher education must help protect democracy

    There is a clear and present danger to American democracy: Donald Trump’s populist authoritarianism. This is no secret, and yet many in higher education would prefer not to talk about it. Instead, they find ourselves wondering if elite school presidents should resign. 

    It is not a matter of supporting a political party or issue. They in higher ed must stand up for the values that make free inquiry and teaching possible. They must defeat a movement that has already promised to seize control of how they study, conduct research, and teach. This is no time to seek refuge in doctrines of neutrality. Such doctrines led to the kind of flaccid, lawyerly responses they heard from Ivy League presidents testifying in front of Congress last week. “That depends,” is not an answer you want from someone whose job it is to protect students confronted with calls for their annihilation. 

    Disengagement, not protest, is the norm.

    Recently there has been a spate of articles about whether leaders in higher ed should speak out about atrocities or war crimes that, however distant, are having an impact on campuses. Some college presidents may be relieved to be told that they should stick to their core responsibilities (raising money) and avoid controversy. The abysmal performance of the presidents at a Congressional hearing will certainly encourage other leaders to keep their heads down.

    While commentators rail against high education’s efforts at inclusion and the cultivation of so-called woke ideologies, students are increasingly choosing to focus their studies in fields more quantitative than value-laden. Disengagement, not protest, is the norm. Even some humanists urge their colleagues to stick to disinterested scholarship and preserve the “contemplative mood.” According to the author of an ill-timed accurate NYT op-ed, this will somehow make those in the Humanities especially “irresistible.” 

    We must resist this kind of intellectual isolationism – from presidents and from their institutions generally. 

    We must refuse the privileges of “internal exile” in the face of tyranny and reject the ironic stance of professors who imagine that tenure is enough protection – at least for them. 

    Why worry so much about another Trump presidency, some say, when they already survived one? Democrats, they argue, aren’t so great either.  Evasiveness comes easy. 

    But Trump has put his cards on the table, making his positions known even more clearly than he did in 2016. Back then I wrote: “You don’t need a fascistic theory of government to use the inflammatory tactics of fascism. It is clear enough: given his rhetoric and behavior, Donald Trump’s election would undermine the foundations of the republic and cause fundamental harm to the country.” That’s exactly what Trump did, and the election denialism of 2020 and the failed coup of January 6 2021 are precursors of what’s in store for us if he prevails in the coming year.

    It is foolhardy and immoral to imagine that they in the academy will be fine if they just keep to their scholarship. Whom do they think Trump has in mind when he attacks (however nonsensically) “the communists, Marxists, fascists and radical left thugs that live like vermin within the confines of their country”? “Vermin” was a favorite trope of Hitler’s, and the vermin Trump has in mind no doubt includes us in higher ed.    

    Colleges and universities have long claimed that promoting civic participation and liberal learning through engagement in the public sphere is central to their mission. Professors and administrators often find themselves in disagreement, but there has been wide support for the idea that schools should help students develop civic preparedness, the ability to work across differences for the public good. 

    Four years ago, Wesleyan University joined with other colleges and universities in Engage 2020, a project highlighting ways in which students develop the skills of citizenship. E2020 was centered on three principles:

  • Developing civic preparedness is a core element of the mission of American higher education.
  • Participating in American political life helps students learn from a diversity of ideas and people while developing skills for lifelong, active citizenship.
  • Empowering students and teachers to engage with the complex issues facing the country are crucial facets of higher education’s contributions to the common good.
  • More than three hundred schools from across the country were part of the E2020 network, from small colleges to large research universities. Although many of their plans for public activities were derailed by the COVID pandemic, they were able to motivate students to take up the challenge of democracy during an important election year.  

    The urgency of this work has only grown, and now we’re calling for schools to double down on student democratic participation in 2024. They hear talk almost every day about the threats to their democracy – not just that one’s preferred candidate might lose but that the electoral system and the civic culture in which it is embedded is at profound risk. In order to do their part to shore up democracy and combat the rampant cynicism about elections, they must seize this moment to galvanize learning through political participation. By defending democracy, they will deepen learning; by deepening learning they will defend democracy. Both will make their educational institutions more effective, and this will create a virtuous circle of civic preparedness for the country as a whole.

    Want a daily wrap-up of all the news and commentary Salon has to offer? Subscribe to their morning newsletter, Crash Course.

    Many schools already belong to organizations like Campus Compact and All-In Campus Democracy Challenge that encourage voting; many already are focused on promoting free speech and civil dialogue on their campuses, like the Institute for Citizens and Scholars and Interfaith America. Such work strengthens civic culture, but schools now need to do even more. Those affiliated with E2020 are well positioned to collect best practices that can inspire students in the coming months to work on campaigns, or to organize in the public sphere around specific issues. Call it Democracy 2024.  As Danielle Allen has noted, “Any stable democracy must have a supermajority of citizens who are willing to invest time, talent and treasure in the healthy operation of the system itself, and that supermajority will necessarily span ideological divisions. The supermajority has to work together on democracy renovation to ensure that they have a stable system for contesting matters of substantive policy.” Colleges and universities have a responsibility to help build that supermajority and to help make it as inclusive as possible. D2024 can be a start. 

    The inflammatory Donald Trump has promised to destroy the “healthy operation of the system itself.” They have been duly warned that he means it by people from across the political spectrum. Republican Liz Cheney has cautioned that they are “sleepwalking into dictatorship,” and Robert Kagan, usually called a neo-conservative, has sounded a similar alarm in The Washington Post. In an entire Atlantic issue devoted to warnings about a second Trump presidency, liberal David Frum writes that “for democracy to continue … the democratic system itself must be the supreme commitment of all major participants.” Now, he notes, they are “careening toward breakdown.” And Princeton political theorist Jan-Werner Müller reminds us in The Guardian that if Trump wins, he will take it that the people “have decided in favor of revenge and destruction.”

    We in higher education should not be focused on poor presidential answers to a MAGA warrior’s questions. This amounts to fiddling (however irresistibly) when flames threaten to engulf the republic. They must affirm the core principles of civic education and take specific actions to defend democracy while it is still possible to do so. When the Kalven Report counseled schools to stay neutral in 1967 (rather than support civil rights or criticize the Vietnam War), even its cautious authors made an exception for moments when “the society, or segments of it, threaten the very mission of the university and its values of free inquiry.” This is such a moment. Whatever party or candidates one supports, colleges and universities must defend democracy to defend their very mission, to defend their values of free inquiry and teaching. At this time that means calling out the dangers of tyranny while inspiring democratic practices among young people (through efforts like D2024) so that they can defend their country from the incendiary forces now gathering around Donald Trump.

    Read more

    about the domestic implications of Israel's war in Gaza


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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