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Security report for creditmutuel-am.eu

Crédit Mutuel Asset Management · Finance · France

Medium risk. 5 critical or high findings in Email security, Security headers and 2 other checks.

Security score

73/100

Risk levelMedium

0–100, higher is better. How it is calculated

Crédit Mutuel Asset Management (CMAM) is a prominent asset management company operating primarily in France and Europe, offering a comprehensive range of investment funds focused on simplicity, transparency, performance, and risk management. The company emphasizes responsible and sustainable finance as part of its core business model. The website reflects a professional and consistent brand image aligned with its parent company, Crédit Mutuel. The target audience includes both professional and non-professional investors across multiple European countries. CMAM's market position is that of a significant player in the financial services sector, leveraging its parent group's reputation and resources. Technically, the website employs modern web technologies including jQuery and YouTube's widget API, with analytics powered by Piano Analytics. The site is served over HTTPS with cookie consent mechanisms that comply with GDPR requirements, offering users granular control over tracking preferences. While the site demonstrates good mobile optimization and SEO practices, accessibility compliance is partial, indicating room for improvement. No CMS or hosting provider details were explicitly identified. From a security perspective, the site benefits from HTTPS encryption and a cookie consent banner, alongside a published vulnerability disclosure policy, indicating a mature security posture. However, explicit security headers such as Content Security Policy or HSTS are not evident, and no direct incident response contacts are provided. The WHOIS data is privacy protected by EURid, which is common for European domains, and does not raise immediate concerns given the professional nature of the site and its alignment with a reputable financial institution. Overall, the security posture is solid but could be enhanced by adding more explicit security policies and headers.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

5 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  3. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  4. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching creditmutuel-am.eu

This scan found 18 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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Recommended

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
77
Security headers
75
Email security
40
DNS health
80
Network security
100
GDPR outside view
68
Average
73

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

CMAM operates in the competitive European asset management market, leveraging the strong brand and financial backing of Crédit Mutuel. Its business model centers on managing investment funds with a focus on responsible finance, targeting a broad investor base including retail and professional clients. The company maintains a multi-country presence with localized content and language options, indicating a strategic approach to market segmentation. The website's integration with LinkedIn and detailed regulatory disclosures suggest a transparent and compliant operational model. Revenue streams likely derive from management fees on investment funds. The absence of direct contact information on the homepage may indicate a preference for client portal interactions or regulated communication channels. The partnership ecosystem includes the parent bank and analytics providers, supporting operational and marketing functions.

Security posture

The website demonstrates a good security baseline with enforced HTTPS and a GDPR-compliant cookie consent mechanism that includes detailed user preferences. The presence of a vulnerability disclosure policy further indicates a proactive security culture. However, the lack of visible security headers such as CSP, HSTS, or X-Frame-Options suggests potential areas for hardening against common web attacks. No exposed sensitive data or vulnerable libraries were detected in the provided content. The absence of explicit incident response contact information or a published security policy page limits transparency in security governance. Overall, the security posture is mature but could benefit from enhanced header configurations and clearer communication channels for security incidents.

Recommendations

  1. Implement and enforce security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options to mitigate common web vulnerabilities.
  2. Publish a dedicated security policy page outlining security practices, data protection measures, and incident response procedures to improve transparency and trust.
  3. Provide clear incident response contact information (e.g., security@ or abuse@ email addresses) to facilitate vulnerability reporting and incident management.
  4. Enhance website accessibility to meet higher compliance standards, ensuring inclusivity for all users.
  5. Regularly audit and update third-party scripts and analytics tools to minimize risks from vulnerable dependencies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Crédit Mutuel Asset Management
Description
Crédit Mutuel Asset Management (CMAM) est une société de gestion d'actifs proposant une gamme de fonds complète : simplicité, transparence, recherche de performance et encadrement du risque. La Finance Responsable et Durable est devenue partie intégrante
Key services
Gestion d'actifs, Fonds d'investissement, Finance responsable et durable
Content quality
good
Branding
consistent

Technology

Stack
jQuery, YouTube Widget API, Piano Analytics, CSS, JavaScript
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with granular controls
  • Vulnerability disclosure policy

Analytics and tracking

Services
Piano Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Piano Analytics
Marketing tools
Piano Analytics
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenge detected.
  2. Content is professional and relevant to asset management and finance.
  3. Cookie consent mechanism is implemented with detailed user controls.
  4. No direct contact emails or phone numbers found on the homepage.
  5. WHOIS data is unavailable due to privacy protection by EURid.
  6. Site uses HTTPS and modern JavaScript libraries.
  7. Social media presence on LinkedIn is linked.
  8. No explicit security headers detected in provided data.
  9. Accessibility is partially compliant as stated in footer.
  10. No terms of service page explicitly found.
Technical notes

Notes

The website uses a combination of custom CSS and JavaScript hosted on CDN domains (cdnsi.e-i.com), with jQuery and YouTube widget APIs integrated for interactive features. Analytics are managed via Piano Analytics, indicating a sophisticated approach to user behavior tracking and marketing performance measurement. The site is responsive and includes meta tags for SEO and viewport settings for mobile optimization. No CMS or hosting provider details are explicitly identified, suggesting a custom or proprietary platform. Performance is moderate, with no evident blocking or errors. Accessibility is partially compliant, with skip links and ARIA roles present but noted as 'partially conforme' in the footer. The site uses HTTPS exclusively, ensuring encrypted communications. Overall, the technical infrastructure supports a professional and functional user experience with room for modernization and enhanced accessibility.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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