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 : Salesforce-nCino-201
Exam Name : Salesforce nCino 201 Commercial Banking Functional
Vendor Name : Salesforce
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Salesforce-nCino-201 test Format | Salesforce-nCino-201 Course Contents | Salesforce-nCino-201 Course Outline | Salesforce-nCino-201 test Syllabus | Salesforce-nCino-201 test Objectives

Exam Specification: Salesforce nCino 201 Commercial Banking Functional

Exam Name: Salesforce nCino 201 Commercial Banking Functional
Exam Code: Salesforce-nCino-201
Exam Duration: 90 minutes
Passing Score: 65%
Exam Format: Multiple-choice, multiple-select

Course Outline:

1. Commercial Banking Overview
- Introduction to commercial banking and its key concepts
- Understanding the role of Salesforce nCino in commercial banking
- Exploring the functionalities and features of Salesforce nCino

2. Loan Origination and Underwriting
- Understanding the loan origination process in commercial banking
- Configuring loan application and underwriting workflows in nCino
- Managing loan documentation and approvals using nCino

3. Credit Analysis and Risk Management
- Performing credit analysis and risk test using nCino
- Analyzing financial statements and creditworthiness of borrowers
- Implementing risk management strategies and policies in nCino

4. Collateral Management
- Managing collateral information and valuations in nCino
- Configuring collateral tracking and monitoring processes
- Implementing automated collateral management workflows

5. Portfolio Management and Reporting
- Monitoring and managing commercial loan portfolios in nCino
- Generating portfolio performance reports and analytics
- Implementing portfolio risk test and mitigation strategies

6. Relationship Management
- Managing customer relationships and interactions in nCino
- Configuring customer onboarding and engagement processes
- Leveraging customer data for personalized relationship management

7. Compliance and Regulatory Requirements
- Ensuring compliance with regulatory requirements in commercial banking
- Implementing compliance checks and reporting in nCino
- Managing audit trails and documentation for regulatory purposes

Exam Objectives:

1. Understand the role and functionality of Salesforce nCino in commercial banking.
2. Configure loan origination and underwriting workflows in nCino.
3. Perform credit analysis and risk test using nCino.
4. Manage collateral information and valuations in nCino.
5. Monitor and manage commercial loan portfolios in nCino.
6. Manage customer relationships and interactions in nCino.
7. Ensure compliance with regulatory requirements in commercial banking.

Exam Syllabus:

1. Commercial Banking Overview
- Introduction to commercial banking
- Role of Salesforce nCino in commercial banking
- Features and functionalities of Salesforce nCino

2. Loan Origination and Underwriting
- Loan origination process in commercial banking
- Loan application and underwriting workflows in nCino
- Loan documentation and approvals using nCino

3. Credit Analysis and Risk Management
- Credit analysis and risk test using nCino
- Financial statements analysis in nCino
- Risk management strategies and policies in nCino

4. Collateral Management
- Collateral information and valuations in nCino
- Collateral tracking and monitoring processes
- Automated collateral management workflows

5. Portfolio Management and Reporting
- Commercial loan portfolio management in nCino
- Portfolio performance reports and analytics
- Portfolio risk test and mitigation strategies

6. Relationship Management
- Customer relationship management in nCino
- Customer onboarding and engagement processes
- Leveraging customer data for personalized relationship management

7. Compliance and Regulatory Requirements
- Regulatory compliance in commercial banking
- Compliance checks and reporting in nCino
- Audit trails and documentation for regulatory purposes

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Salesforce places guardrails around how customers can use its AI

Dive Brief:

Salesforce updated its AI acceptable use policy to place guardrails around its AI services, according to a document published Wednesday. The update comes amid increased industry scrutiny over generative AI data use.

Customers are not allowed to leverage the company's AI products — or any third-party services linked to Salesforce services — for purposes related to child abuse, deepfakes, prediction of protected categories or automating decisions with legal effects, among other use cases.

"These policy updates allow customers to use Salesforce products with confidence, knowing they and their end users are receiving a truly ethical AI experience from product development to deployment," said Paula Goldman, chief ethical and humane use officer at Salesforce, in a blog post Wednesday.

Dive Insight:

The policy update from Salesforce is the latest effort from the provider to address the risk concerns of would-be enterprise technology adopters.

In June, the company rolled out Einstein GPT Trust Layer, a service designed to let customers access enterprise-ready data security and compliance safeguards while leveraging generative AI tools.

"The GPT Trust Layer gives connected LLMs secure, real-time access to data without the need to move all of your data into the LLM itself," said Marc Benioff, Salesforce chairman and co-CEO, speaking in May during the company's Q1 2024 earnings call. "While they're using the LLMs, the data itself is not moving and being stored in the LLM. That is what their customers want."

As enterprise adoption of generative AI advances, more than half of IT leaders say inaccuracies and cybersecurity are associated risks of the emerging technology, according to a report from QuantumBlack, AI by McKinsey.

Salesforce, with its guidelines clearly stating usage limitations, is showing leadership among the provider ecosystem in terms of responsible AI, according to Juliette Powell and Art Kleiner, professors at New York University.

"On the surface, the new policy may look unenforceable, but it's an addition to Salesforce's Acceptable Use and External Facing Services Policy, which clearly states that violators could lose their Salesforce licenses," the professors said via email. "It will be really interesting to see which companies are targeted first."

The new policy from Salesforce comes as another major provider updated its own terms of service in response to criticisms over data use.

Zoom updated its terms and conditions to clarify the provider would be able to access customer content for safety and legal purposes, but not use any customer data to train third-party or its own AI models.

Salesforce Tower Camera 4

COVID hospitalizations up 60% in last month

COVID-19 hospitalizations rose about 60% in the first week of August compared to just a month ago, according to CDC data. With the new COVID booster likely to be rolled out as early as mid-September, medical experts are advising the public to get both their flu and COVID booster shots. Errol Barnett has more.

Best Commercial Auto Insurance Companies Of August 2023

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Forbes Advisor adheres to strict editorial integrity standards. To the best of their knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by their partners.

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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