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 : VA-002-P
Exam Name : HashiCorp Certified: Vault Associate
Vendor Name : HashiCorp
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VA-002-P test Format | VA-002-P Course Contents | VA-002-P Course Outline | VA-002-P test Syllabus | VA-002-P test Objectives
Exam Detail:
The HashiCorp Certified: Vault Associate (VA-002-P) test is designed to validate the knowledge and skills of individuals in using and configuring HashiCorp Vault. Here are the test details for the VA-002-P certification:
- Number of Questions: The test typically consists of multiple-choice questions. The exact number of questions may vary, but typically, the test includes around 50 questions.
- Time Limit: The time allocated to complete the test is 1 hour and 30 minutes.
Course Outline:
The VA-002-P certification course covers various subjects related to HashiCorp Vault and its usage in securing and managing secrets. The course outline typically includes the following areas:
1. Introduction to Vault:
- Overview of HashiCorp Vault and its key features.
- Understanding the architecture and components of Vault.
2. Vault Installation and Configuration:
- Installing and setting up Vault in different environments.
- Configuring authentication methods, storage backends, and high availability.
3. Secrets Management:
- Managing secrets and sensitive data using Vault.
- Implementing dynamic secrets, database secrets, and AWS secrets engine.
4. Policies and Access Control:
- Implementing access control policies using Vault.
- Configuring authentication methods, ACLs, and token management.
5. Advanced Vault Features:
- Exploring advanced Vault features, such as key management, encryption as a service, and transit secrets engine.
- Configuring and using Vault for secure application development.
Exam Objectives:
The objectives of the VA-002-P test are as follows:
- Assessing candidates' understanding of Vault's architecture, components, and core features.
- Evaluating candidates' ability to install, configure, and manage Vault in different environments.
- Testing candidates' knowledge of secrets management and access control using Vault.
- Evaluating candidates' proficiency in advanced Vault features and secure application development.
Exam Syllabus:
The specific test syllabus for the VA-002-P certification covers the following topics:
1. Introduction to Vault
2. Vault Installation and Configuration
3. Secrets Management
4. Policies and Access Control
5. Advanced Vault Features
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HashiCorp Certified: Real test Questions
How To Pass The ASWB test To Become A Licensed Social WorkerEditorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations. Social work licensing practices vary widely by state. Some states require entry-level and generalist social workers to pass an test and earn licensure. In other states, you only need a license to become a licensed clinical social worker (LCSW) and provide psychotherapy services. In many states, social work licensure at any level requires you to pass an test administered by the Association of Social Work Boards (ASWB). The ASWB test is a nationally recognized test that evaluates your comprehension of human behavior and development. If you’re a social work major or considering pivoting into the human services field, read on to discover how to prepare for, take and pass the ASWB licensure exam—with or without a social work degree. What Is the ASWB Exam?ASWB is a nonprofit organization comprising all of the state social work regulatory boards in the United States and Canada. This body regulates the social work profession and administers the licensure test that evaluates prospective social workers’ ethics and expertise. Passing the ASWB test is the final step to earning a social work license in many states. ASWB offers five test categories—associate, bachelor’s, master’s, advanced generalist and clinical—each tailored to a specific education and experience level. A candidate’s test category determines their title and scope of practice post-licensure. Within a four-hour window, ASWB exam-takers must answer questions concerning: All ASWB test categories contain 170 questions on human development and behavior, but question types may vary among categories. For example, the associate and bachelor’s exams lean more heavily on recall questions than other test categories, which feature larger proportions of reasoning questions. Each test category may lead to a different level of social work licensure depending on your state’s licensing processes. Not all states offer all five categories of the ASWB exam. AssociateThis category offers a licensure pathway for applicants who want to practice social work without earning a four-year degree in the field. In most cases, associate-level social workers can only practice under supervision. A handful of states offer this licensing pathway: South Dakota, Michigan, Ohio, New Hampshire and Massachusetts. Only South Dakota, New Hampshire and Massachusetts require associate-level social workers to pass the associate ASWB exam. Registration for the associate ASWB test category costs $230. Bachelor’sThe ASWB bachelor’s exam, which also costs $230, evaluates your generalist understanding of social work practices and ethics. You must hold a bachelor’s degree in social work from an accredited college to sit for this test category. The bachelor’s category features the same questions as the associate category. Passing the bachelor’s test qualifies you to become a non-clinical baccalaureate social worker. Exact titles vary among states; in Oregon, these professionals are called registered baccalaureate social workers, while North Carolina calls them certified social workers. In most cases, social workers at this level interview clients, manage cases, conduct research and advocate for social justice. Depending on the state, they may only be able to practice autonomously after gaining supervised work experience post-licensure. Master’sThe ASWB master’s category requires a master of social work (MSW) and usually qualifies applicants for the licensed master social worker (LMSW) credential. Again, the exact title may vary by state—Indiana calls these professionals licensed social workers, for example. The master’s-level test tests your foundational understanding of the social work field and evaluates your application of specialized skills gained during their MSW program. Licensees know how to apply advanced practice skills and specialized knowledge in their roles. LMSWs can drive social change and justice for various communities. In some states, they can provide clinical therapy with oversight from an LCSW. The registration fee for this ASWB test category is $230. Advanced Generalist:The advanced generalist category is tailored to prospective LMSWs who aspire to work in macro-level roles. This means working with large populations, such as entire states and countries. The advanced generalist ASWB test indicates a desire to work with public policy, state or national campaigns, or other government initiatives. To sit for the advanced generalist ASWB exam, you must hold a master’s degree in social work plus two years of nonclinical professional experience. With a fee of $260, test takers can prove their expertise in social justice, public policy and administration, and public welfare to their state licensing boards. ClinicalThe minimum requirements for this ASWB category include an MSW and two years of clinical experience. The clinical ASWB test serves prospective social workers who want to provide mental health services in clinical settings. LCSWs (who may work under different titles, depending on where they practice) provide psychotherapy services to prevent, diagnose and treat mental illnesses. Through individual or group therapy, these professionals help people struggling with emotional distress. Clinical social workers practice independently in various settings, including hospitals, schools, psychiatric facilities and social service agencies. Registering for the clinical ASWB test category costs $260. Signing Up for the ASWB Exam Apply for a State LicenseFirst, you must get your state board’s approval to register for the ASWB exam. Approval processes differ depending on the state where you want to practice. Typical requirements vary by state and license level but may include college transcripts, a license application fee and proof of supervised experience, which you can send to the board via email or fax. Some states may also require you to provide fingerprints and undergo a background check. Sign Up for the ASWB ExamOnce you receive approval from your state social work board, you must register for the appropriate ASWB licensure exam, either online, via mail or by fax. Registration costs between $230 and $260, depending on your test category. If your registration is successful, you’ll receive an “authorization to test” email from ASWB. Schedule Your Test with Pearson VUEPearson VUE provides testing centers for licensure applicants nationwide. You can schedule, cancel and reschedule test appointments with Pearson VUE through the testing authorization email. Preparing for the ASWB Exam Understand How the test Is StructuredThe ASWB test is a four-hour, computer-based test comprising 170 multiple-choice questions that test your expertise and decision-making skills as a social worker. Exam questions cover various content areas and competencies you should have covered during your degree program. You may also find knowledge, skills and abilities statements resembling real-life situations that require critical thinking. To pass the licensure exam, you must answer about 100 out of the 150 questions correctly. Take a Practice TestAlthough self-study is necessary to pass professional exams, practice exams can help you prepare better. By taking a mock test, you can identify loopholes in your study plan, learn the testing software, understand your strengths and areas for improvement, and prepare for complex questions. After you register for your exam, ASWB offers a 30-day window to take a VCE test for an additional $85. Practice exams exist for all categories except the advanced generalist exam. Other test prep resources offer free practice tests, but ASWB warns against those resources because their content may be misleading. Know What to Expect on Test DayASWB enforces several security measures on test day to ensure a reliable test process. Prepare to present two photo IDs and sign a confidentiality agreement. Pearson VUE test centers are fitted with surveillance tools to detect test malpractice. Exam Center personnel may also walk through the room at intervals. You cannot enter the testing center with personal items, but you will receive erasable note boards, markers and other necessary materials from the Exam Center personnel. You must return the items after the test or risk invalidating your score. The testing equipment should look like a typical computer setup. Test administrators may provide a short on-screen tutorial to help you navigate the software. Decompress After the ExamUpon completing the licensure exam, you’ll receive an unofficial score report at the Exam Center indicating your performance. ASWB will then send the official score report to your state’s social work board two weeks after the exam. Note that your scores cannot be altered at any point, so all you can do is wait for your state board to contact you or go ahead with other state-specific requirements. This may take anywhere from two weeks to a month. If you fail the licensure exam, you can retake it after 90 days. Frequently Asked Questions (FAQs) About the ASWB Exam What does the ASWB test stand for?The ASWB test stands for the Association of Social Work Boards examination. This test determines whether a candidate is fit to practice social work at their desired licensure level. What percentage of people pass the ASWB exam?A recent ASWB report showed that 75.8% of first-time test takers passed the clinical test category in 2021. The master’s and bachelor’s categories had pass rates of 73% and 68.7%, respectively. What is a passing score on the ASWB practice exam?Specific passing score thresholds on the ASWB test may vary with each passing year. ASWB recommends that testers correctly answer 90 to 107 of the graded questions to pass the licensure exam. ISSA Personal Training Certification: Cost, test and MoreNo result found, try new keyword!You’ll likely come across this popular certification ... pass the ISSA exam. While each course varies slightly, you can expect up to 200 essay and/or multiple-choice questions on the final ...ISC2's Entry-Level Cyber Certification Wins Best Professional Certification AwardSC Media's 2023 Awards honor Certified in Cybersecurity℠ for its role in helping to close the global cyber workforce gap ALEXANDRIA, Va., Aug. 21, 2023 /PRNewswire/ -- ISC2 – the world's leading nonprofit member organization for cybersecurity professionals – today announced its entry-level certification Certified in Cybersecurity℠ (CC) has won a 2023 SC Award in the Excellence Award category for the Best Professional Certification Program. The Certified in Cybersecurity (CC) training and test was designed to address the global cyber workforce gap of 3.4 million professionals by providing a way for those from non-technical backgrounds to enter the field. The SC Awards program is cybersecurity's most prestigious and competitive program, recognizing the solutions, organizations and people driving innovation and success in information security. According to the SC Award's esteemed panel of independent judges, "ISC2's Certified in Cybersecurity certificate program is a cut above the rest," and it commended the program for its "contribution to the greater good of the cybersecurity community." The judges honored ISC2 for its "innovation, leadership and hard work." "This year's SC Award winners reflected their industry in flux," said Tom Spring, SC Media's Editorial Director at CyberRisk Alliance. "Winners demonstrated uncanny market agility and brought innovative solutions to help their customers stay ahead of increasingly sophisticated adversaries and emerging threats." "This award, along with the accomplishment of having over 28,000 individuals attain the Certified in Cybersecurity certification, underscores the value of this entry-level certification to their members and candidates who have diligently earned it, showcasing their unwavering commitment to the cybersecurity profession," said Clar Rosso, CEO, ISC2. "Recognition from SC Media's prestigious cybersecurity award program further validates the importance of their entry-level certification for the profession at large, as they attract new entrants into the field as organizations face acute staffing shortages. We're demonstrating that having a passion and drive to enter a career can open limitless opportunities for both professionals and employers." Diverse Pathways into the Cybersecurity Profession The CC℠ certification allows individuals from all backgrounds to demonstrate the foundational knowledge, skills and abilities for an entry- or junior-level cybersecurity role. The certification requires no prior work experience and can test a person's aptitude and interest in a cybersecurity career, allowing employers to confidently build resilient cyber teams across all experience levels. As part of ISC2's commitment to help close the workforce gap, its global initiative, One Million Certified in Cybersecurity, is offering free CC℠ training and exams to the first million people who enroll. Since its launch in August 2022, ISC2 has enrolled more than 250,000 individuals in the certification training, with more than 28,000 becoming certification holders. The global success of the certification highlights the importance of creating new and diverse pathways into the industry and removing barriers to entry into the profession. "I'm switching career paths to move into cybersecurity. Certified in Cybersecurity is a great way to demonstrate my knowledge," said Eric Turner, Cybersecurity Analyst, First Merchants Bank. This recognition follows ISC2's award win for the Best Professional Training or Certification Program at the 2023 SC Awards Europe. To learn more about the ISC2 Certified in Cybersecurity certification, please visit: https://www.isc2.org/Certifications/CC. About ISC2 ISC2 is the world's leading nonprofit member organization for cybersecurity professionals with an aim of inspiring a safe and secure cyber world. Best known for the acclaimed Certified Information Systems Security Professional (CISSP®) certification, ISC2 offers a portfolio of credentials that are part of a holistic, pragmatic approach to security. Their association of candidates, associates and members, more than 500,000 strong, is made up of certified cyber, information, software and infrastructure security professionals who are making a difference and helping to advance the industry. Their vision is supported by their commitment to educate and reach the general public through their charitable foundation – The Center for Cyber Safety and Education™. For more information on ISC2, visit www.isc2.org, follow us on X or connect with us on Facebook and LinkedIn. About CyberRisk Alliance CyberRisk Alliance (CRA) is a business intelligence company serving the high growth, rapidly evolving cybersecurity community with a diversified portfolio of services that inform, educate, build community, and inspire an efficient marketplace. Their trusted information leverages a unique network of journalists, analysts and influencers, policymakers, and practitioners. CRA's brands include SC Media, Security Weekly, ChannelE2E, MSSP Alert, InfoSec World, Identiverse, Cybersecurity Collaboration Forum, its research unit CRA Business Intelligence, the peer-to-peer CISO membership network, Cybersecurity Collaborative, the Official Cyber Security Summit, TECHEXPO Top Secret, and now LaunchTech Communications. Click here to learn more. © 2023 ISC2 Inc., ISC2, CISSP, SSCP, CCSP, CGRC, CSSLP, HCISPP, CISSP-ISSAP, CISSP-ISSEP, CISSP-ISSMP and CBK are registered marks, and CC is a service mark of ISC2, Inc. Media Contact:Amanda Steinman Senior PR Manager ISC2 asteinman@isc2.org View original content:https://www.prnewswire.com/news-releases/isc2s-entry-level-cyber-certification-wins-best-professional-certification-award-301904977.htmlSOURCE ISC2 © 2023 Benzinga.com. Benzinga does not provide investment advice. All rights reserved. |
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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