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Security report for scotiabank.com

Scotiabank · Finance · Canada

Low risk. 2 critical or high findings in GDPR outside view and Website hygiene.

Security score

90/100

Risk levelLow

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

Scotiabank is a leading multinational financial institution headquartered in Canada, offering a broad range of banking and financial services globally. The website serves as a global portal providing access to country-specific banking services, wealth management, corporate and investment banking, and capital markets. The company is well-established with a large workforce and a strong market presence. The site reflects a mature digital infrastructure leveraging modern technologies such as React and Adobe Experience Manager, supported by robust analytics and marketing tools. Privacy and security policies are comprehensive and GDPR compliant, with clear user consent mechanisms. The security posture is strong, with HTTPS enforcement, security headers, and no visible vulnerabilities. Overall, the website demonstrates high professionalism, trustworthiness, and compliance with industry standards.

Scanned

NIS2 and GDPR posture

NIS2 outside view
85/ 100 · Low
GDPR outside view
75/ 100 · Medium
Checks completed
9of 9

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

The NIS2 figure counts only evidence anyone can see from the internet. 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

2 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.

    • High

      Tracking cookies set without a consent banner

      Observed on the first page load as a new visitor, before any consent choice; Guard does not click the banner. The site set 12 analytics or marketing cookies: Adobe Audience Manager (demdex, AMCVS_0AAF22CE52827A080A490D4D%40AdobeOrg, AMCV_0AAF22CE52827A080A490D4D%40AdobeOrg, mbox); Adobe Analytics (s_ecid, s_cc); Google Analytics (_ga_4SVMV7SBDS, _ga, _gid, _gat_gtag_UA_74658059_1); Google (_gcl_au). No consent banner or consent platform was detected (Guard scans from the EU, so EU-only banners …

      What to do: Load analytics and marketing tags only after the visitor opts in, using a consent banner that offers accept and reject with equal prominence.

  2. Website hygiene

    Outdated scripts and CMS versions are how most small-business sites get compromised; a security.txt file tells researchers where to report what they find.

    • High

      Outdated JavaScript library with known vulnerabilities

      underscore.js 1.13.6 (detected in the page) has 1 published vulnerability: CVE-2026-27601, GHSA-qpx9-hpmf-5gmw.

      What to do: Upgrade underscore.js to 1.13.8 or later and retest the pages that use it.

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

Keep watching scotiabank.com

This scan found 15 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
100
Security headers
89
Email security
95
DNS health
95
Network security
100
Website hygiene
75
GDPR outside view
75
Average
90

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.
  • Accessibility: Accessibility is a separate readout from security, so it is reported but not scored. 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 scotiabank.com, from OffSeq Breach.

Total records
1,133
Employees
0
Customers
0
Third parties
1,133
Weak passwords
7%

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for scotiabank.com.

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

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

Business context

Business profile

Scotiabank operates in the banking and finance sector with a diversified portfolio of services targeting personal, business, and corporate clients worldwide. Its competitive advantage lies in its global footprint and comprehensive service offerings, including wealth and asset management. The business model is centered on financial services with revenue streams from banking products, investment services, and asset management. The company maintains a strong partnership ecosystem and subsidiaries that extend its market reach. The website's content and structure support a clear brand identity and customer engagement strategy, reflecting a well-managed digital presence.

Security posture

The website exhibits a mature security posture with enforced HTTPS, multiple security headers, and no exposed sensitive information. The use of modern security best practices such as Content Security Policy and Referrer Policy enhances protection against common web threats. However, the absence of publicly visible incident response contacts or a vulnerability disclosure policy suggests room for improvement in transparency and readiness. The extensive use of third-party scripts and tracking pixels is balanced with privacy compliance, but continuous monitoring is recommended to mitigate supply chain risks.

Recommendations

  1. Publish a clear vulnerability disclosure policy and incident response contact information to enhance transparency and trust.
  2. Regularly audit and update third-party scripts to prevent supply chain vulnerabilities.
  3. Enhance user awareness of data retention policies related to analytics and tracking.
  4. Maintain and update security headers and SSL configurations to adhere to evolving best practices.
  5. Consider expanding accessibility features and conducting periodic accessibility audits.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Scotiabank
Description
Scotiabank offers personal, business, and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets through a global team of approximately 90,000 employees.
Key services
Personal Banking, Business Banking, Commercial Banking, Wealth Management, Private Banking, Corporate and Investment Banking, Capital Markets
Content quality
excellent
Branding
consistent

Technology

Stack
React, Adobe Experience Manager (AEM), Google Analytics, Adobe Target, jQuery, Bootstrap, Moment.js
Frameworks
React, Bootstrap
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with no visible vulnerabilities

Analytics and tracking

Services
Google Analytics, Adobe Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, Adobe Audience Manager
Tracking pixels
Adobe Analytics, Facebook Pixel, Reddit Pixel, TikTok Pixel, LinkedIn Insight Tag, Snapchat Pixel
Marketing tools
Adobe Target, 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 and well maintained.
  2. Comprehensive global presence with country-specific subdomains and pages.
  3. Strong use of modern web technologies and analytics.
  4. Robust privacy and cookie policies with consent mechanisms.
  5. No signs of malicious or suspicious activity.
  6. Extensive use of tracking pixels and marketing tools, but with privacy compliance.
  7. No visible forms collecting sensitive data on the main page analyzed.
  8. Clear corporate branding and trust indicators.
Technical notes

Notes

The website is built on a modern technology stack including React and Adobe Experience Manager, ensuring a scalable and maintainable platform. It integrates multiple analytics and marketing tools such as Google Analytics, Adobe Analytics, and various social media pixels, enabling comprehensive user behavior tracking and marketing optimization. The site is hosted likely on Akamai CDN, contributing to fast load times and global availability. Mobile optimization and accessibility are well addressed, with responsive design and skip links. The technical implementation reflects a high level of digital maturity with opportunities to further enhance security transparency and data governance.
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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