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 : PCCET
Exam Name : Palo Alto Networks Certified Cybersecurity Entry-level Technician
Vendor Name : Palo-Alto
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PCCET exam Format | PCCET Course Contents | PCCET Course Outline | PCCET exam Syllabus | PCCET exam Objectives
EXAM CODE: PCCET
EXAM NAME: Palo Alto Networks Certified Cybersecurity Entry Level Technician (PCCET)
The PCCET certification is the first of its kind. It is aligned with the NIST/NICE (National Institute of Standards and Technology/National Initiative for Cybersecurity Education) workforce framework, designed to cover foundational knowledge of industry-recognized cybersecurity and network security concepts as well as various cutting-edge advancements across all Palo Alto Networks technologies.
Main Areas covered by Questions;
Fundamentals of Cybersecurity 30%
Network Security Components 30%
Cloud Technologies 20%
Elements of Security Operations 20%
Domain 1 Fundamentals of Cybersecurity 30%
Topic 1.1 Distinguish between Web 2.0 and 3.0 applications and services
Topic 1.2 Describe port-scanning methodologies and their impact
1.2.1 Nonstandard ports
1.2.2 Identify applications by their port number
Topic 1.3 Recognize applications used to circumvent port-based firewalls
Topic 1.4 Differentiate between common cloud computing service models
1.4.1 SaaS
1.4.2 PaaS
1.4.3 IaaS
Topic 1.5 Describe the business processes of supply-chain management
Topic 1.6 Describe the vulnerabilities associated with data being stored in the SaaS environment
1.6.1 Describe roles within a SaaS environment
1.6.2 Describe security controls for SaaS applications
Topic 1.7 Describe the impact of governance, regulation, and compliance
1.7.1 Differentiate between compliance and security
1.7.2 Identify major cybersecurity laws and their implications
Topic 1.8 Describe the tactics of the MITRE ATT&CK framework
1.8.1 Identify a leading indicator of a compromise
1.8.2 Describe how to use CVE
1.8.3 Describe how to use CVS
Topic 1.9 Identify the different attacker profiles and motivations
1.9.1 Describe the different value levels of the information that needs to be protected (political, financial, etc.)
Topic 1.10 Describe the different phases and events of the cyberattack lifecycle
1.10.1 Describe the purpose of command and control (C2)
Topic 1.11 Identify the characteristics, capabilities, and appropriate actions for different types of malware and ransomware
Topic 1.12 Differentiate between vulnerabilities and exploits
1.12.1 Differentiate between various business email compromise attacks
1.12.2 Identify different methodologies for social engineering
1.12.3 Identify the chain of events that result from social engineering
Topic 1.13 Identify what chain of events follows an attack
Topic 1.14 Differentiate between the functional aspects of bots and botnets
1.14.1 Describe the type of IoT devices that are part of a botnet attack
Topic 1.15 Differentiate the TCP/IP roles in DDoS attacks
1.15.1 Differentiate between DoS and DDoS
Topic 1.16 Describe advanced persistent threats
Topic 1.17 Describe risks with Wi-Fi networks
1.17.1 Differentiate between common types of Wi-Fi attacks
1.17.2 Describe how to monitor your Wi-Fi network
Topic 1.18 Describe perimeter-based network security
1.18.1 Identify the types of devices used in perimeter defense
Topic 1.19 Describe the Demilitarized Zone (DMZ)
Topic 1.20 Describe the transition from a trusted network to an untrusted network
1.20.1 Differentiate between North-South and East-West zones
Topic 1.21 Describe Zero Trust
1.21.1 Identify the benefits of the Zero Trust model
1.21.2 Identify the design principles for Zero Trust
1.21.3 Describe a microperimeter
1.21.4 Differentiate between Trust and Untrust zones
Topic 1.22 Describe the integration of services for network, endpoint, and cloud
Topic 1.23 Identify the capabilities of an effective Security Operating Platform
1.23.1 Describe the components of the Security Operating Platform
Domain 2 Network Security Components 30%
Topic 2.1 Differentiate between hubs, switches, and routers
2.1.1 Given a network diagram, Identify the icons for hubs, switches, and routers
Topic 2.2 Describe the use of VLANs
Topic 2.3 Differentiate between routed and routing protocols
Topic 2.4 Differentiate between static and dynamic routing protocols
2.4.1 Differentiate between link state and distance vector
Topic 2.5 Identify the borders of collision and broadcast domains
Topic 2.6 Differentiate between different types of area networks
2.6.1 WAN
2.6.2 LAN
Topic 2.7 Describe the advantages of SD-WAN
Topic 2.8 Describe the purpose of the Domain Name System (DNS)
2.8.1 Describe how DNS record types are used
2.8.2 Identify a fully qualified domain name (FQDN)
2.8.3 Describe the DNS hierarchy
Topic 2.9 Differentiate between categories of IoT devices
2.9.1 Identify the known security risks and solutions associated with IoT
Topic 2.10 Identify IoT connectivity technologies
Topic 2.11 Differentiate between IPv4 and IPv6 addresses
2.11.1 Describe binary-to-decimal conversion
2.11.2 Describe IPv4 CIDR notation
2.11.3 Describe IPv4 classful subnetting
2.11.4 Given a scenario, identify the proper subnet mask
2.11.5 Describe the purpose of subnetting
2.11.6 Describe the structure of IPv4 and IPv6
2.11.7 Describe the purpose of IPv4 and IPv6 addressing
Topic 2.12 Describe the purpose of a default gateway
Topic 2.13 Describe the role of NAT
Topic 2.14 Describe OSI and TCP/IP models
2.14.1 Identify the order of the layers of both OSI and TCP/IP models
2.14.2 Compare the similarities of some OSI and TCP/IP layers
2.14.3 Identify the protocols and functions of each OSI layer
Topic 2.15 Describe the data-encapsulation process
2.15.1 Describe the PDU format used at different layers
Topic 2.16 Identify the characteristics of various types of network firewalls
2.16.1 Traditional firewalls
2.16.2 Next-generation firewalls
2.16.3 Differentiate between NGFWs and traditional firewalls
Topic 2.17 Describe the application of NGFW deployment options (i.e., PA-, VM- and CN-Series)
Topic 2.18 Differentiate between intrusion detection systems and intrusion prevention systems
2.18.1 Differentiate between knowledge-based and behavior-based systems
Topic 2.19 Describe virtual private networks
2.19.1 Describe when to use VPNs
Topic 2.20 Differentiate between the different tunneling protocols
Topic 2.21 Describe the purpose of data loss prevention
2.21.1 Classify different types of data (e.g., sensitive, inappropriate)
Topic 2.22 Differentiate the various types of security functions from those that are integrated into UTM devices
Topic 2.23 Describe endpoint security standards
2.23.1 Describe the advantages of endpoint security
2.23.2 Describe host-based intrusion detection/prevention systems
2.23.3 Differentiate between signature-based and behavioral-based malware protection
2.23.4 Describe application block and allow listing
2.23.5 Describe the concepts of false-positive and false-negative alerts
2.23.6 Describe the purpose of anti-spyware software
Topic 2.24 Identify differences in managing wireless devices compared to other endpoint devices
Topic 2.25 Describe the purpose of identity and access management
2.25.1 Single- and multi-factor Authentication
2.25.2 Separation of duties and impact on privileges
2.25.3 RBAC, ABAC, DAC, and MAC
2.25.4 User profiles
Topic 2.26 Describe the integration of NGFWs with the cloud, networks, and endpoints
Topic 2.27 Describe App-ID, User-ID, and Content-ID
Topic 2.28 Describe Palo Alto Networks firewall subscription services
2.28.1 WildFire
2.28.2 URL Filtering
2.28.3 Threat Prevention
2.28.4 DNS Security
2.28.5 IoT Security
2.28.6 SD-WAN
2.28.7 Advanced Threat Prevention
2.28.8 Advanced URL Filtering
2.28.9 GlobalProtect
2.28.10 Enterprise DLP
2.28.11 SaaS Security Inline
2.28.12 Virtual Systems
Topic 2.29 Describe network security management
2.29.1 Identify the deployment modes of Panorama
2.29.2 Describe the three components of Best Practice Assessment (BPA)
Domain 3 Cloud Technologies 20%
Topic 3.1 Describe the NIST cloud service and deployment models
Topic 3.2 Recognize and list cloud security challenges
3.2.1 Describe the vulnerabilities in a shared community environment
3.2.2 Describe cloud security responsibilities
3.2.3 Describe cloud multitenancy
3.2.4 Differentiate between security tools in various cloud environments
3.2.5 Describe identity and access management controls for cloud resources
3.2.6 Describe different types of cloud security alerts and notifications
Topic 3.3 Identify the 4 Cs of cloud native security
Topic 3.4 Describe the purpose of virtualization in cloud computing
3.4.1 Describe the types of hypervisors
3.4.2 Describe characteristics of various cloud providers
3.4.3 Describe economic benefits of cloud computing and virtualization
3.4.4 Describe the security implications of virtualization
Topic 3.5 Explain the purpose of containers in application deployment
3.5.1 Differentiate containers versus virtual machines
3.5.2 Describe Container as a Service
3.5.3 Differentiate a hypervisor from a Docker Container
Topic 3.6 Describe how serverless computing is used
Topic 3.7 Describe DevOps
Topic 3.8 Describe DevSecOps
Topic 3.9 Illustrate the continuous integration/continuous delivery pipeline
Topic 3.10 Explain governance and compliance related to deployment of SaaS applications
3.10.1 Describe security compliance to protect data
3.10.2 Describe privacy regulations globally
3.10.3 Describe security compliance between local policies and SaaS applications
Topic 3.11 Describe the cost of maintaining a physical data center
Topic 3.12 Differentiate between data-center security weaknesses of traditional solutions versus cloud environments
Topic 3.13 Differentiate between east-west and north-south traffic patterns
Topic 3.14 Describe the four phases of hybrid data-center security
Topic 3.15 Describe how data centers can transform their operations incrementally
Topic 3.16 Describe the cloud-native security platform
Topic 3.17 Identify the four pillars of Prisma Cloud application security
Topic 3.18 Describe the concept of SASE
Topic 3.19 Describe the SASE layer
3.19.1 Describe sanctioned, tolerated, and unsanctioned SaaS applications
3.19.2 List how to control sanctioned SaaS usage
Topic 3.20 Describe the network-as-a-service layer
Topic 3.21 Describe how Prisma Access provides traffic protection
Topic 3.22 Describe Prisma Cloud Security Posture Management (CSPM)
Domain 4 Elements of Security Operations 20%
Topic 4.1 Describe the main elements included in the development of SOC business objectives
Topic 4.2 Describe the components of SOC business management and operations
Topic 4.3 List the six essential elements of effective security operations
Topic 4.4 Describe the four SecOps functions
4.4.1 Identify
4.4.2 Investigate
4.4.3 Mitigate
4.4.4 Boost
Topic 4.5 Describe SIEM
Topic 4.6 Describe the purpose of security orchestration, automation, and response (SOAR)
Topic 4.7 Describe the analysis tools used to detect evidence of a security compromise
Topic 4.8 Describe how to collect security data for analysis
Topic 4.9 Describe the use of analysis tools within a security operations environment
Topic 4.10 Describe the responsibilities of a security operations engineering team
Topic 4.11 Describe the Cortex platform in a security operations environment and the purpose of Cortex XDR for various endpoints
Topic 4.12 Describe how Cortex XSOAR improves security operations efficiency
Topic 4.13 Describe how Cortex Data Lake improves security operations visibility
Topic 4.14 Describe how XSIAM can be used to accelerate SOC threat response
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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