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 : TFNSTRETEICT1100
Exam Name : AS-TFNSTRETEICT1100-FTX100 Finacle Treasury Technical
Vendor Name : Infosys
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TFNSTRETEICT1100 test Format | TFNSTRETEICT1100 Course Contents | TFNSTRETEICT1100 Course Outline | TFNSTRETEICT1100 test Syllabus | TFNSTRETEICT1100 test Objectives


Exam Detail:
The TFNSTRETEICT1100 (AS-TFNSTRETEICT1100-FTX100) test is a technical certification test focused on the Finacle Treasury module. It is designed for individuals who work with or aspire to work with Finacle Treasury, a comprehensive solution for treasury operations in financial institutions. Here are the test details for TFNSTRETEICT1100:

- Number of Questions: The exact number of questions may vary, but the test generally consists of multiple-choice questions and scenario-based questions.

- Time Limit: The time allocated to complete the test may vary, but typically ranges from 90 minutes to 120 minutes.

Course Outline:
The course outline for the TFNSTRETEICT1100 test covers the following topics:

1. Introduction to Finacle Treasury:
- Overview of Finacle Treasury module and its key features.
- Understanding the role of treasury management in financial institutions.

2. Financial Instruments:
- Understanding different types of financial instruments and their characteristics.
- Managing financial instruments in Finacle Treasury, including bonds, derivatives, and money market instruments.

3. Treasury Operations and Risk Management:
- Managing cash positions, liquidity, and funding requirements.
- Risk management in treasury, including market risk, credit risk, and operational risk.
- Managing treasury limits and exposures.

4. Treasury Deal Processing:
- Deal capture and processing for various treasury products.
- Trade lifecycle management in Finacle Treasury.
- Settlement processes and accounting entries.

5. Treasury Reports and Analytics:
- Generating and analyzing treasury reports, including position reports, P&L reports, and risk reports.
- Utilizing analytics tools and features in Finacle Treasury.

Exam Objectives:
The objectives of the TFNSTRETEICT1100 test are as follows:

- Assessing candidates' knowledge of Finacle Treasury module and its functionalities.
- Evaluating candidates' understanding of financial instruments and their management within Finacle Treasury.
- Testing candidates' proficiency in treasury operations, risk management, and deal processing.
- Assessing candidates' ability to generate and analyze treasury reports using Finacle Treasury.

Exam Syllabus:
The specific test syllabus for TFNSTRETEICT1100 may cover the following topics:

1. Introduction to Finacle Treasury
2. Treasury Organization Structure and User Setup
3. Financial Instruments
4. Cash and Liquidity Management
5. Market Risk Management
6. Credit Risk Management
7. Operational Risk Management
8. Deal Processing and Trade Lifecycle
9. Settlements and Accounting
10. Treasury Reports and Analytics



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Remember when PCBs were green and square? That’s the easy default, but most will agree that when you’re going to show off your boards instead of hiding them in a case, it’s worth extra effort to make them beautiful. We’re in a renaissance of circuit board design and the amount of effort being poured into great looking boards is incredible. The good news is that this project proves you don’t have to go nuts to achieve great results. This stars, moons, and planets badge looks superb using just two technical tricks: exposed (plated) copper and non-rectangular board outline.

Don’t take that the wrong way, there’s still a lot of creativity that [Steve] over at Big Mess o’ Wires used to make it look this great. The key element here is that copper and solder mask placements have extremely fine pitch. After placing the LEDs and resistors there’s a lot of blank space which was filled with what you might see in the night sky through your telescope.  What caught their eye about this badge is the fidelity of the ringed planet.

The white ink of silk screen is often spotty and jagged at the edges. But this copper with ENIG (gold) plating is crisp through the curves and with razor-sharp tolerance. It’s shown here taken under 10x magnification and still holds up. This is a trick to keep under your belt — if you have ground pours it’s easy to spice up the look of your boards just by adding negative-space art in the solder mask!

[Steve] mentions the board outline is technically not a circle but “a many-sided polygon” due to quirks of Eagle. You could have fooled us! They do like how he carried the circle’s edges through the bulk of the board using silk screen. If you’re looking for tips on board outline and using multiple layers of art in Eagle, [Brian Benchoff] published a fabulous How to do PCB art in Eagle article. Of course, he’s gone deeper than what the board houses offer by grabbing his own pad printing equipment and adding color to white solder mask.

The art was the jumping off point for featuring this badge, but [Steve] is known for his technical dives and this one is no different. He’s done a great job of recounting everything that popped up while designing the circuit, from LED color choice to coin cell internal resistance and PWM to low-power AVR tricks.


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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