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Security report for rms.com

Moody's Corporation · Finance · United States

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

60/100

Risk levelMedium

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

Moody's Corporation operates a comprehensive insurance risk solutions platform serving insurers, reinsurers, brokers, and related professionals. The company leverages over 30 years of expertise in catastrophe risk modeling, actuarial systems, underwriting, and risk management, integrating advanced data, AI, and cloud-native technologies to deliver scalable, accurate, and efficient solutions. Moody's holds a strong market position as an industry leader with a broad portfolio of services and a global enterprise footprint. Technically, the website is built on modern frameworks including React and Adobe Experience Manager, with robust performance, mobile optimization, and accessibility features. Security posture is strong with HTTPS enforcement, content security policies, CAPTCHA-protected forms, and cookie consent mechanisms, though additional security headers and a published security.txt file would enhance defenses. Overall, Moody's website demonstrates high professionalism, trustworthiness, and compliance with privacy regulations, supporting its credibility and business objectives.

Scanned

NIS2 and GDPR posture

GDPR outside view
48/ 100 · High
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. GDPR outside view

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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  2. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • High

      Potential Subdomain Takeover

      Subdomain api.rms.com points to unregistered service d3u1x8ihf53ieu.cloudfront.net

      What to do: Remove or fix CNAME record to prevent subdomain takeover

      • WSTG-CONF-10
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory
    • High

      Potential Subdomain Takeover

      Subdomain dev.rms.com points to unregistered service abbd9b7da38be482aa1c1394bf812e1d-3cc02763555444ea.elb.eu-west-1.amazonaws.com

      What to do: Remove or fix CNAME record to prevent subdomain takeover

      • WSTG-CONF-10
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory

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

Keep watching rms.com

This scan found 16 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.

Daily monitoring

Recommended

€25per month

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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
0
Security headers
85
Email security
85
DNS health
40
Network security
100
GDPR outside view
48
Average
60

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

Moody's targets a diverse set of insurance industry stakeholders including actuaries, brokers, catastrophe modelers, underwriters, and risk managers. Its business model focuses on providing data-driven analytics, modeling software, and compliance tools to enable better risk assessment and decision-making. The company benefits from a mature brand, extensive domain expertise, and strategic acquisitions such as CAPE Analytics to expand AI-powered property risk intelligence. Moody's ecosystem includes subsidiaries and partner domains supporting investor relations, careers, and ratings services. The website content and structure reflect a well-established enterprise with a clear focus on innovation, regulatory compliance, and customer engagement through multiple channels.

Security posture

The website employs HTTPS with a Content-Security-Policy header to upgrade insecure requests, uses Google reCAPTCHA on forms to prevent abuse, and integrates cookie consent via OneTrust, indicating a mature approach to security and privacy. No exposed sensitive data or vulnerable libraries were detected. However, the absence of additional security headers like X-Frame-Options and Strict-Transport-Security is noted. Incident response contact information and a vulnerability disclosure policy are not explicitly provided, representing areas for improvement. Overall, the security posture is strong but could be enhanced by adopting further best practices and transparency measures.

Recommendations

  1. Implement additional HTTP security headers such as X-Frame-Options, X-XSS-Protection, and Strict-Transport-Security to strengthen browser security.
  2. Publish a security.txt file to provide clear vulnerability disclosure and incident response contact information.
  3. Explicitly provide incident response and abuse contact channels on the website to improve transparency and readiness.
  4. Enhance data retention policy disclosures related to analytics and user data collection to align with privacy best practices.
  5. Continue monitoring and updating third-party libraries and scripts to avoid potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Moody's Corporation
Description
Moody's provides advanced insurance risk solutions combining data, modeling, and technology for insurers, reinsurers, and brokers to address complex challenges in risk selection, pricing, and management.
Key services
Catastrophe risk modeling, Actuarial modeling, Underwriting solutions, Risk and capital management, Financial and regulatory reporting, Compliance and third-party risk, Portfolio management, AI and GenAI solutions
Content quality
excellent
Branding
consistent

Technology

Stack
React, Adobe Experience Manager (AEM), Vimeo player, Google reCAPTCHA, OneTrust cookie consent, Adobe DTM (Dynamic Tag Management), Marketo forms, Cloudflare Insights
Frameworks
React, Adobe Experience Manager
Platforms
Cloudflare (for CDN and analytics)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • Use of HTTPS
  • Content Security Policy header
  • Google reCAPTCHA on forms
  • Cookie consent via OneTrust
  • No exposed sensitive data detected

Analytics and tracking

Services
Adobe Analytics, Google Tag Manager, Cloudflare Insights
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Bing Ads, StackAdapt
Tracking pixels
Adobe DTM
Marketing tools
Marketo, OneTrust Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed with comprehensive insurance risk solutions content.
  2. Strong focus on insurance industry with detailed sections for various user roles and solutions.
  3. Use of modern web technologies and security best practices.
  4. Clear privacy, cookie, and terms of service policies with GDPR compliance.
  5. Multiple contact channels including phone and secure contact forms with CAPTCHA.
  6. No signs of malicious or suspicious activity detected.
  7. Integration of third-party analytics and marketing tools with user consent mechanisms.
Technical notes

Notes

The website is built using Adobe Experience Manager CMS with React for frontend components, leveraging cloud services including Cloudflare CDN and Adobe DTM for tag management. It uses modern JavaScript chunking and asynchronous script loading for performance optimization. The site is mobile-optimized with responsive design and accessibility features. Integration with marketing and analytics tools such as Marketo, Google Tag Manager, and OneTrust cookie consent indicates a mature digital marketing infrastructure. Performance is fast with efficient resource loading and minimal blocking scripts. The technical stack supports scalability and flexibility for complex insurance industry content and user interactions.
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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