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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WorkKeys exam Format | WorkKeys Course Contents | WorkKeys Course Outline | WorkKeys exam Syllabus | WorkKeys exam Objectives


Test Detail:
The WorkKeys Assessment is a job skills exam developed by ACT, Inc. It is designed to measure foundational skills needed for success in the workplace. The exam focuses on three core areas: Applied Math, Workplace Documents, and Graphic Literacy. This description provides an overview of the WorkKeys Assessment.

Course Outline:
Since the WorkKeys Assessment is a skills-based test, it does not have a specific course outline. However, candidates can prepare for the exam by developing their skills in the following areas:

1. Applied Math:
- Basic mathematical operations (addition, subtraction, multiplication, division).
- Fractions, decimals, and percentages.
- Measurement and conversion.
- Data analysis and interpretation.

2. Workplace Documents:
- studying and understanding workplace documents, such as memos, instructions, and policies.
- Locating and interpreting information in tables, graphs, and charts.
- Understanding technical vocabulary and terminology.
- Extracting relevant information from written materials.

3. Graphic Literacy:
- Interpreting and analyzing visual information, such as diagrams, maps, and graphs.
- Understanding spatial relationships.
- Identifying patterns and trends in visual representations.
- Drawing conclusions based on visual data.

Exam Objectives:
The WorkKeys Assessment evaluates the candidate's proficiency in the following areas:

1. Applied Math:
- Performing mathematical calculations and solving problems related to real-world scenarios.
- Applying mathematical concepts and operations to workplace situations.

2. Workplace Documents:
- studying and comprehending various types of workplace documents.
- Extracting relevant information from written materials.

3. Graphic Literacy:
- Interpreting and analyzing visual representations of data.
- Making inferences and drawing conclusions based on visual information.

Exam Syllabus:
The WorkKeys Assessment syllabus provides a breakdown of the skills and concepts assessed in each exam objective. The syllabus may cover the following topics:

1. Applied Math:
- Numerical operations and calculations.
- Fractions, decimals, and percentages.
- Measurement and conversion.
- Data analysis and interpretation.

2. Workplace Documents:
- studying and understanding workplace documents.
- Locating and interpreting information in tables, graphs, and charts.
- Technical vocabulary and terminology.

3. Graphic Literacy:
- Interpreting and analyzing visual representations of data.
- Spatial relationships and patterns.
- Drawing conclusions based on visual information.



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Admission-Tests WorkKeys tricks

 

Establishing Fair Criteria for College Admissions Tests Their Intelligence

May the Best Man or Woman Win Establishing Fair Criteria for College Admissions Tests Their Intelligence

By Miriam Schulman

An old teacher of mine used to claim he graded their papers by throwing them all up the stairs and giving A's to the ones that landed on the top step. Now, there was a case of someone treating every student equally.

Although this example is obvious reductio ad absurdum, it serves to demonstrate an important point: Equal is not necessarily fair. That principle is worth reiterating in any discussion of affirmative action in college admissions, which often boils down to a controversy over fairness. While people may argue that everyone should be treated exactly the same, the truth is that they all favor some sorts of criteria. The ethical trick is to make those criteria morally relevant.

If you think this is an easy matter, consider legacy admissions young people who get into a school because their parents are alums. According to a report from U.C.-Berkeley's Institute for the Study of Social Change issued in 1991, more legacy students were admitted to 10 of the country's most elite institutions than the combined number of all African Americans and Chicanos admitted under affirmative action programs.

Many people defend legacy admissions as acceptable because they help to ensure the financial continuity of the institution, without which no one would be able to enter the university. But such a rationale can be a slippery slope. Indeed, the hypocrisy tweakers had a field day recently when the Los Angeles Times reported that several of the U.C. regents who had voted to abolish affirmative action had themselves pulled strings to get relatives, friends, and the children of business associates into UCLA.

Morally Relevant CriteriaMy point here is not so much to challenge the moral relevance of this particular preference, but to point out that race is only one among many possible attributes they might take into account in admission decisions. If, ultimately, they want to disallow it as a basis for preference, they should be prepared to justify why it is any less worthy than other characteristics they do consider.

One justifiable criterion might be ability: May the best man or woman win. While there may be general agreement on the relevance of this determinant, there is much less agreement on a fair way to measure it. On the surface, it might seem logical that the people with the best grades and scores should get the college slots. Indeed, this argument is at the heart of several cases, such as Bakke vs. Regents of the University of California, which have challenged affirmative action in the courts.

Although they might conclude that grades and scores are the most objective criteria they can come up with to assess ability, there are more than a few reasons to question their moral certainty about the justice of this system. First, standards of grading vary enormously from school to school; an A from one might be a C from another. Such variability was behind the creation of standardized tests like the SATs, which were supposed to provide a single measure for students across the country.

But these tests have been accused repeatedly of bias against minorities. In 1990, a national commission sponsored by the Ford Foundation found that the differences in test scores between minority and majority test takers were typically larger than the differences in their grades or job ratings. "We must stop pretending that any single standard test can illuminate equally well the talents and help promote the learning of people from dramatically different backgrounds," their report concluded.

Flutists and Football PlayersWhile academic ability is hard to measure fairly, most people still want to include that factor in college admissions. But it is not, by far, the only characteristic that might be considered. A long-established criterion has been diversity. By this, I don't mean only the relatively new argument that student bodies should reflect the multiethnic society from which they are drawn; I mean the old practice of creating a freshman class that has a much-needed linebacker, a new first flute for the university orchestra, and a high-school senior-class president who may go on to a leadership position in college student government.

Athletic prowess, musical talent, and unusual community service have all been defended as morally acceptable considerations for college admissions because they add to the well-roundedness of the student body. If these attributes can be considered relevant to admissions, why not race?

Of course, there is nothing inherently edifying about attending school with people who have different physical attributes. Introducing more redheads into a student population would bring about no discernible benefit. But, in this country, having a different skin color means having a different life experience. Bringing that difference into the mix at their universities can greatly enhance the quality of the dialogue that goes on there.

On the larger stage, their society is enriched by the many different backgrounds and traditions of its members. For example, as a woman, I know I benefit from the increasing numbers of female health practitioners, who have brought women's health issues such as breast cancer to the fore-front of national consciousness. It does not surprise or even anger me that male doctors did not pursue these issues more forcefully — they lie outside menÕs personal experience — but I do want my experience to be represented.

Similarly, I have to confront the needs and perspectives of other members of my community, which I might ignore, however unwittingly, were they not represented in their universities and in the larger public discussion.


Test Optional

Choosing Test-Optional at SCU

Santa Clara University is extending its “test-optional” policy for first-year and transfer students until 2024. Scores on the SAT or ACT are not required for students applying to Santa Clara University for the 2024 term. As a test-optional university, students still have the option to submit any standardized test score results they’ve received. A student who chooses not to submit standardized test scores will be at no disadvantage in their admission or merit scholarship review processes.

For the 2023 application cycle:

  • 36% of SCU applicants submitted a test
  • 41% of admitted students submitted a test
  • Where does an applicant select having ACT/SAT scores reviewed or not?

    On the Common Application Supplement Questions for SCU, the following question will be required of all first-year applicants: Do you want your test scores considered?

    Are other test scores like SAT II Subject Tests, AP exam scores, IB exam scores, A-levels exam scores, etc. required in the admission review process?

    Santa Clara does not require submission of these scores for admission application evaluation. If students would like to report scores, they have the option to share scores through their Common Application.

    How do they evaluate applications?

    At Santa Clara University, they review applications holistically, meaning that they will review your application individually, taking into account your academic credentials as well as your personal qualities. Important required pieces of your application include your transcript, course rigor, unweighted GPA, extracurricular activities, Common App essay, supplemental questions, and demonstrated interest. Test scores are treated as optional information, similar to a resume or an additional letter of recommendation.

    What if I’m applying for Fall 2025 or later?

    Santa Clara University is still reviewing the test-optional policy for future years.

    Can an applicant who is deferred or waitlisted change their testing choice?

    An applicant with a deferred or Wait List decision will have the opportunity to submit supplemental information, including test scores, an updated transcript, letter of interest, or additional letters of recommendations. It will not be required or expected to submit test scores.

    What should I know as an international student?

    You still have the test-optional choice. All international applicants are required to demonstrate a minimum level of English language. You can view their Undergraduate English Proficiency website to see the several ways to demonstrate English proficiency in the application for admission, which include proficiency exams like IELTS, TOEFL, Duolingo or standardized tests like SAT or ACT.

    Does Santa Clara Superscore?

    Yes. Students who choose to submit their test scores have the option to submit multiple scores. SCU is interested in your best achievement, so sending us multiple tests, if available, allows us to see subsections regardless of test date or test type (ACT/SAT).

    How does this affect merit scholarships and institutional financial aid awards?

    It doesn’t! All students are reviewed for merit scholarships, whether they applied with or without a test score. About the top 15% of their applicants receive merit scholarships on the basis of a holistic review process. A student who chooses not to submit standardized test scores will be at no disadvantage in their merit scholarship review processes. It’s up to you.

    Testing Deadlines

    Students who choose to have their scores considered must take the exam by the appropriate application deadline:

      Early Action & Early Decision I Regular Decision & Early Decision II Common Application & Supplement Deadline November 1 January 7 Last Accepted SAT Test Date October December Last Accepted ACT Test Date September* December

     *We cannot ensure October ACT test results will reach their office in time for Early Action and Early Decision I review.

    Reporting Test Scores

    We accept the following options to complete the test scores requirement by the application deadline:

  • Self-report your scores in the Self-Reported Test Score form in the Application Status Portal
  • Send your official test scores from the testing agency
  • If you receive updated test results after submitting the Self-Reported Test Scores form, you can self-report these newer scores by filling out the form again.

    Enrolling at SCU

    If you are offered admission to Santa Clara University and choose to enroll, official test scores that match your self-reported scores will need to be received by your deposit deadline. In order for test scores to be considered official, they must be sent directly from College Board or ACT. Santa Clara University reserves the right to revoke admission if an applicant’s self-reported scores do not match their official score report.

    For enrolling students who did not select to have test scores considered in the admission review process, SCU will ask for official scores after matriculation if scores are available. The scores will be used for exam of the test optional program.


    Test-Optional Admission Policy

    Summary

    W&M extends test-optional admission process indefinitely

    Full Description

    Following a highly effective three-year pilot program, William & Mary will continue its standardized test-optional undergraduate admission process indefinitely. The test-optional approach allows prospective students to decide whether they wish to include SAT or ACT test results as part of their application. William & Mary’s holistic admission review process involves many components, including several optional elements, such as standardized test scores, teacher recommendations and interviews.

    For more information about applying test-optional, please visit their Test-Optional FAQ page.


     


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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