Игроки всегда ценят удобный и стабильный доступ к играм. Для этого идеально подходит зеркало Вавады, которое позволяет обходить любые ограничения, обеспечивая доступ ко всем бонусам и слотам.

A Risk-Based Approach to Rating and Correcting Individual Cyberrisk

LAS VEGAS—At this week’s Black Hat conference, some information security professionals turned to a key issue to control enterprise-wide cyberrisk: hacking humans.

buy antabuse online blockdrugstores.com/wp-content/uploads/2023/10/jpg/antabuse.html no prescription pharmacy

As phishing continues to be one of the top threats for businesses, hackers and security professionals here continue to try and make sense of why this threat vector is so successful and how to better defend against these attacks.

In a session called “Blunting the Phisher’s Spear: A risk-based approach for defining user training and awarding administrative privileges,” Professor Arun Vishwanath presented some of his research on the “people problem” of cybersecurity, proposing a new model for quantifying the cyberrisk posed by individuals within the enterprise and tailoring training to best mitigate the risk they pose. While many corporate training programs stage fake phishing emails and then lecture those who fail, he said, this model continues to be ineffective, as proven by the increase in these attacks and their efficacy across all industries. People are not the problem, Vishwanath asserted, rather it is in our understanding of people.

Vishwanath and his colleagues have come up with a model to explain how users think, the Suspicion, Cognition, Automaticity Model (SCAM). Faulty ideas about cybersecurity practices, popular myths and other irrational beliefs lead to illogical and unsafe practices. Automatic behaviors also play a significant role in risky behavior, particularly with mobile devices and the ritualistic checking of email – users open messages mindlessly and get so used to clicking links, downloading files or entering credentials that they do not really factor logic into these decisions.

Based on this model of why individuals act in risky ways, he recommends developing a Cyber Risk Index (CRI) based on a short, 40-question survey given to individual employees to evaluate the cyberrisk they specifically pose, which can also be aggregated across divisions, sectors and organizations.

buy prelone online blockdrugstores.com/wp-content/uploads/2023/10/jpg/prelone.html no prescription pharmacy

buy silvitra online https://royalcitydrugs.com/silvitra.html no prescription

As the results highlight different areas of weakness that lead to the employee’s risky behaviors, the CRI can dictate the best ways to that individual and mitigate the risk.
phishing risk training What’s more, this quantitative score of individual cyber hygiene can be used to track changes in risk posture over time and to improve current decision processes regarding privileged access to the organization’s systems to better control data at risk.

buy cymbalta online blockdrugstores.com/wp-content/uploads/2023/10/jpg/cymbalta.html no prescription pharmacy

Check out Dr. Vishwanath’s whitepaper for more on this approach.

Cyber Insurance Purchasing Up, But Breaches Felt in Prices and Limits

NEW YORK—At yesterday’s Advisen Cyber Insights Conference, Zurich and Advisen released the fifth annual Advisen Cyber Survey of U.S. risk managers, finding a 9% acceleration in cyber liability insurance purchasing from 2014 to 2015. The firm has seen a 26% increase in the number of respondents who have coverage since the first survey in 2011.

Companies are taking cyberliability more seriously, Zurich reports, with the number of organizations developing data breach response plans up 10% from last year. What’s more, companies appear to be better recognizing the sheer amount of value at risk, with two-thirds of respondents saying they have either increased their policy limits or are considering doing so. While Zurich found that more organizations view information security as an organizational challenge rather than the purview of the IT department alone, and respondents said that boards and executive management are taking cyberrisk more seriously, those who have not yet obtained cyber coverage say it is because their superiors still do not see the need. There is also still a considerable difference in take-up rates among large corporations and small and mid-sized businesses, with Catherine Mulligan, senior vice president and national underwriting manager of specialty E&O, telling the audience there is an approximate 20-point spread between the groups.

“This year’s cyber survey shows that demand for coverage and higher limits has increased tremendously and we at Zurich have seen double digit growth year over year,” said Bryan Salvatore, president of specialty products for Zurich North America. “That is why we are heavily invested in identifying risks and delivering solutions and why we are committed to staying at the forefront of this issue.”

Marsh has also seen considerable growth in cyber liability insurance purchasing among its clients. According to the insurer’s new midyear cyber benchmarking report, the number of U.S.-based Marsh clients purchasing standalone cyber insurance increased 32% in the first half of 2015, up from 26% growth during this period in 2014. By sector, members of the education industry made up the biggest growth, with 155% more clients purchasing the coverage, followed by power and utilities with a 100% increase and manufacturing with a 76% increase. The healthcare sector remains Marsh’s largest buyer of cyber coverage, with 41% of all clients in this industry purchasing it by the end of the first half of 2015.

Cyber liability insurance growth rates

Sessions throughout the conference made clear that insurers—and the industry at large—are still struggling with what is also risk managers’ biggest challenge: data. Completely evaluating the true value at risk with cyber liability continues to elude both sides, although many new approaches and consultancy services are emerging. Further, the dearth of actuarial data not only compounds the challenges of the cyberrisk assessment process, but make it hard for the industry to set pricing and limits with confidence.

“It is hard for insurers to be prudent with cyber as risk managers often do not fully understand how to measure their exposure,” Mulligan said.

“Actuarial data is the Holy Grail of the cyberinsurance market: we’re all searching for it and it’s just not there,” said Bob Parisi, cyber product leader at Marsh, who moderated a session on the struggle to quantify and model cyberrisk.

In addition to the actuarial uncertainty, the considerable number of large losses over the past few years is continuing to push up the cost of cyber, forming what Willis executive vice president Peter Foster described as a “hot” market that will have to cool and solidify with time. Parisi chose to describe the market as “brittle” after absorbing several hundred million dollars in losses, and a range of insurers and brokers reported that premiums have increased dramatically as a result. The Marsh study found that price increases across industries averaged 19%, with 32% increases among retailers, the most frequently breached sector over the past few years.

cyber insurance limits purchased

While these breaches and better estimates of the real cost of cyber incidents have helped many companies realize they may be underinsuring for cyber liability, the move to correct this is getting more difficult. Insurers have said repeatedly that there is plenty of capacity in the cyberinsurance market and many buyers have increased the limits purchased, but higher limits of liability are increasingly hard to come by, and none really exist in excess of $100 million. Particularly for businesses that have yet to implement serious efforts to address information security, rate increases appear sure to continue, and simply buying more coverage will not only be unsustainable, but may not even be possible as insurers give more thought to the capacity they are willing to commit to these risks.

“There is just not enough capacity to extend $50 to $100 million limits to every account,” said Greg Vernaci, AIG’s head of cyber in the United States and Canada. “We are looking to reward those companies with a robust information security posture who go beyond and take a multifaceted approach to managing cyberrisk.”