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Security report for opbank.lv

OP Corporate Bank plc filiāle Latvijā · Finance · Latvia

Partial score · DNS & email only

73/100

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

OP Corporate Bank plc filiāle Latvijā is a corporate banking branch of the leading Finnish financial services group OP Financial Group. The bank focuses on serving large and medium-sized enterprises in Latvia, offering a comprehensive portfolio of financial products including loans, guarantees, letters of credit, factoring, and cash flow and risk management solutions. The website reflects a professional and consistent brand presence aligned with its parent company, targeting business clients in the Baltic region. Technically, the website is built using modern web technologies such as React and is hosted on Microsoft Azure infrastructure, leveraging Application Insights for telemetry and analytics. The site is mobile-optimized and provides a good user experience with clear navigation and relevant content. Privacy and cookie policies are present and indicate GDPR compliance. From a security perspective, the site enforces HTTPS and uses monitoring tools but lacks explicit security policies or incident response information publicly available. No critical vulnerabilities or suspicious indicators were detected in the website content or linked domains. The absence of WHOIS data limits full domain legitimacy verification, but the overall digital footprint and corporate affiliations support a trustworthy profile. Overall, the website demonstrates a solid business and technical foundation with room for improvement in security transparency and enhanced compliance disclosures.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
Checks completed
6of 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. GDPR outside view

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

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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

    • High

      Third-party services without privacy policy

      Detected services: LinkedIn

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching opbank.lv

This scan found 14 issues across 5 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

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
90
Email security
80
DNS health
85
Network security
100
GDPR outside view
10
Average
73

Not counted

  • Security headers: did not complete in this scan.
  • 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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention opbank.lv, from OffSeq Breach.

No leaked records found

Breach holds no records for opbank.lv right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

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

Business context

Business profile

OP Corporate Bank plc filiāle Latvijā operates as a specialized corporate banking entity within the OP Financial Group ecosystem, focusing on the Latvian market. Its competitive advantage lies in leveraging the strong brand and financial backing of OP Financial Group, a well-established Nordic financial institution with over a century of history. The bank targets medium to large enterprises requiring sophisticated financial products and services, including investment loans and risk management solutions. Revenue streams are primarily derived from corporate banking services such as lending, guarantees, and factoring. The presence of sister branches in Estonia and Lithuania indicates a regional Baltic strategy. The website's content and linked domains reflect a mature partnership ecosystem and a clear market positioning as a trusted corporate financial partner. Growth indicators include recent financial disclosures and active communication of economic insights relevant to Latvian businesses.

Security posture

The website exhibits a mature security posture with HTTPS enforced and the use of Microsoft Application Insights for monitoring and telemetry, which supports proactive detection of issues. However, the absence of explicit security policies, incident response contacts, or vulnerability disclosure mechanisms represents a gap in transparency and readiness communication. No exposed sensitive data or vulnerable libraries were detected in the HTML content. The site would benefit from adding security headers such as Content Security Policy (CSP), HSTS, and X-Frame-Options to enhance protection against common web attacks. Compliance with GDPR is indicated through detailed privacy and cookie policies, but no direct references to NIS2 or other frameworks were found. Incident response readiness and security culture indicators are not publicly documented, which could be improved to build greater trust with clients and stakeholders.

Recommendations

  1. Implement and publish a formal security policy and incident response plan on the website.
  2. Add security headers (CSP, HSTS, X-Frame-Options) to improve web security posture.
  3. Introduce a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance accessibility features to meet higher standards and improve user inclusivity.
  5. Regularly update and audit third-party libraries and scripts to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
OP Corporate Bank plc filiāle Latvijā
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
OP Corporate Bank plc filiāle Latvijā
Description
OP is Finland's leading financial services group offering banking, non-life insurance, and asset management services to business and institutional clients, as well as a wide range of banking and insurance services to private individuals. In Latvia, OP operates as a corporate bank for large and medium-sized enterprises, providing loans, guarantees, letters of credit, factoring solutions, and cash flow and risk management solutions.
Key services
Loans, Guarantees, Letters of credit, Factoring, Cash flow management, Risk management
Content quality
good
Branding
consistent

Technology

Stack
Microsoft Application Insights, React, Azure CDN, JavaScript, CSS
Frameworks
React
Platforms
Azure
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of Application Insights for monitoring

Analytics and tracking

Services
Microsoft Application Insights
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Microsoft Application Insights
Marketing tools
Application Insights
Transparency
basic

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 challenges.
  2. WHOIS data unavailable due to query limit error; no registrar or domain age info extracted.
  3. Site uses HTTPS and modern JavaScript frameworks (React).
  4. Privacy and cookie policies are present and GDPR compliant.
  5. Contact information is clearly provided including email, phone, and physical address.
  6. No explicit security policy or incident response information found.
  7. No vulnerability disclosure or security.txt found.
  8. Linked domains correspond to OP Financial Group subsidiaries or related sites.
  9. Use of Microsoft Application Insights for telemetry and analytics.
  10. No suspicious or malicious indicators detected in content or links.
Technical notes

Notes

The website is built on a modern technology stack featuring React and hosted on Microsoft Azure, which provides scalability and reliability. The use of Application Insights indicates a commitment to monitoring and performance tracking. The site uses Optimizely CMS, a professional content management system suitable for enterprise needs. Performance is moderate with good mobile optimization and basic accessibility features. SEO is basic but functional with canonical tags and meta descriptions present. Technical risks are minimal but could be further reduced by implementing additional security headers and improving accessibility compliance.
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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