Moody's

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Praedicat, Inc. is a software development company based in Los Angeles, California, established in 2011. It specializes in creating innovative risk analytics software tailored for the property and casualty insurance industries, focusing on the underwriting and management of liability catastrophe risks. The company employs a multidisciplinary team that utilizes advanced technology and proprietary algorithms to extract and analyze information from scientific literature regarding emerging risks. Praedicat's patent-pending technology incorporates applied legal reasoning and economic analysis, enabling liability insurers and reinsurers to transform emerging risks into opportunities for growth rather than avoidance. Through its structured approach, the company provides valuable insights directly applicable to the core business functions of its clients, enhancing their ability to model and manage risk effectively.

SCRiesgo provides risk rating and analysis of issues services to investment funds, financial institutions, and insurance companies.

kompany is a regulatory technology platform specializing in global business verification and business KYC, offering real-time access to audit-proof, primary source, and time-stamped company information from over 150 jurisdictions. Headquartered in Vienna, Austria, with additional offices in Singapore and the UK, kompany was founded in 2012 and has since assembled a diverse team of developers, regulatory experts, and product managers. The company operates as a government-licensed clearing house and serves as an official distributor for commercial and business registers across multiple countries. Its suite of products includes an API and a shareholder identification tool known as UBO discovery, designed to help financial institutions, payment service providers, insurers, and other regulated entities automate their due diligence processes and comply with current anti-money laundering regulations.

PassFort is a compliance technology company that offers a platform designed to automate the collection, verification, and secure storage of customer due diligence data. The platform streamlines the onboarding process for both customers and compliance teams, facilitating a tailored approach to Know Your Customer (KYC) processes. By employing a risk-based strategy, PassFort optimizes each individual's onboarding experience based on their assessed risk level. This automated solution not only enhances efficiency but also helps clients manage compliance in a more effective manner, ultimately saving time and reducing operational complexity.

BitSight, founded in 2011, is a cyber risk management company that offers a platform designed to help organizations assess and manage information security risk. By applying sophisticated algorithms, BitSight generates daily security ratings that range from 250 to 900, enabling users to evaluate third-party risk, underwrite cyber insurance, benchmark security performance, and conduct due diligence in mergers and acquisitions. The company serves a diverse clientele, including seven of the top ten cyber insurers, 20% of Fortune 500 companies, and three of the top five investment banks, making its Security Ratings technology integral to risk management and business decision-making. With over 1,000 customers and a vast ecosystem of users, BitSight is recognized as the most widely used Security Ratings Service in the industry.

Risk Management Solutions, Inc. (RMS), founded in 1989 and based in Newark, California, specializes in providing comprehensive risk management services in the San Francisco Bay Area. As a subsidiary of George Hills Company Inc., RMS offers the Risk Intelligence platform, which features advanced predictive and probabilistic risk models, extensive risk data, APIs, and applications for thorough risk analytics. This platform supports clients in the financial services, insurance, public agency, and policymaking sectors by integrating scientific knowledge, engineering insights, and empirical loss data following catastrophic events. Customers utilize the Risk Intelligence platform to assess, price, mitigate, and manage risks associated with natural disasters such as earthquakes, wildfires, floods, and hurricanes, as well as man-made threats like terrorism and cyber risks.

VisibleRisk is a cybersecurity platform developed as a joint venture between Moody's and Team8, designed to help businesses understand and manage cyber risks in financial terms. The platform continuously monitors and assesses cyber threats, utilizing advanced risk measurement and cybersecurity technologies. By providing a clearer visualization of cyber risks, VisibleRisk enables business leaders to communicate these risks effectively, facilitating better governance and decision-making. The company's innovative approach allows organizations to integrate cyber risk management into their overall financial strategy, ensuring they can mitigate potential threats while maintaining operational integrity.

Cortera, Inc. is a provider of business-to-business analytics and cloud-based risk management solutions, specializing in payment and purchase behavior data for public and private companies. Founded in 1993 and headquartered in Boca Raton, Florida, with additional offices in Massachusetts and India, Cortera tracks $1.6 trillion in business-to-business purchases across 45 categories, offering insights on 20 million U.S. business locations. The company's products include Cortera Pulse, a subscription service for monitoring credit risk; Boost, which enhances customer insights; and Cortera Decisions, an automated scorecard platform. Additionally, Cortera offers eCredit for credit scoring and collections automation, Cortera Traits for real-time statistical modeling, and Connect, an XML web service for accessing proprietary data. These solutions help businesses of all sizes understand their customers and suppliers better, ultimately aiding in revenue growth and risk reduction.

ZM Financial Systems, Inc. is a financial technology company based in Cary, North Carolina, founded in 2003. It specializes in developing and supporting analytics software tailored for fixed income and derivatives professionals in the capital markets and banking sectors. The company's primary offerings include ZMdesk, which provides comprehensive valuation analytics and market risk management tools, and OnlineALM.com, a solution for asset/liability management that integrates risk management processes and economic value assessments. Additionally, ZM Financial Systems offers Online Budgeting, a cloud-hosted application designed for efficient budgeting in banks and credit unions, as well as ZXBondSwap, an analytical tool for evaluating security trades and leverage decisions. Serving approximately 1,500 financial institutions, the company focuses on delivering advanced financial analytics that simplify complex processes, enabling clients to effectively identify, measure, and manage risk and value on their balance sheets. As of December 2020, ZM Financial Systems operates as a subsidiary of Moody's Corporation.

Malaysian Rating Corporation Berhad (MARC) operates as a credit rating agency based in Kuala Lumpur, Malaysia. The organization specializes in providing credit ratings and research services for various financial instruments, including commercial papers, bonds, and both long- and short-term debts. MARC's coverage encompasses corporate finance, which includes financial institutions and insurance, as well as structured finance, public finance, and infrastructure and project finance. Additionally, the agency offers industry analyses, rating reports, and rating indices to assist both issuers and investors in making informed decisions in the local and global markets.

RiskFirst is a London-based FinTech company specialising in risk analytic solutions for asset management firms and pension funds. They develop intuitive software for valuations, risk analytics, portfolio simulations, and benchmarking tools tailored to the pensions and investments market.

Four Twenty Seven, Inc. is a climate research and risk management firm founded in 2012 and headquartered in Berkeley, California. As a subsidiary of Moody's Corporation, the company specializes in combining economic modeling with climate science to mitigate risks associated with climate change. Four Twenty Seven aims to facilitate climate adaptation and resilience investments by integrating climate science into business and policy decisions. Its team comprises professionals with diverse expertise in climate science, engineering, macroeconomics, finance, natural resource management, policy analysis, and international development. The company provides science-driven risk analytics to a range of clients, including investors, corporations, and governments, helping them navigate the economic impacts of climate change.

Vigeo Eiris evaluates organisations’ integration of social, environmental and governance factors into their strategies, operations and management – with a focus on promoting economic performance, responsible investment and sustainable value creation.

SecurityScorecard, Inc., founded in 2013 by Dr. Alex Yampolskiy and Sam Kassoumeh, is a leading provider of cybersecurity ratings and continuous monitoring services. The company's platform assesses the cybersecurity strength of third-party vendors and businesses, offering solutions like ThreatMarket, a cloud-based vulnerability search engine, and Score Planner for remediation paths. SecurityScorecard serves Fortune 1000 organizations worldwide, providing tools for vendor risk management, board reporting, and cyber insurance underwriting. Its patented technology rates over a million companies continuously, enabling organizations to identify and mitigate cybersecurity risks across their digital footprint. The company is based in New York, New York.

Acuity Knowledge Partners, previously part of Moody's Corporation, is a prominent provider of customized research, analytics, staffing, and technology solutions tailored for the financial services sector. Based in London, the company has nearly two decades of experience, serving over 400 financial institutions and consulting firms through a specialized workforce of over 4,000 analysts and delivery experts worldwide. Acuity Knowledge Partners offers integrated solutions across various segments, including investment banking, investment research, private equity, consultancy, and commercial lending. Their services focus on enabling clients to innovate, implement transformation programs, manage costs, and enhance operational efficiency. Additionally, the company utilizes a proprietary suite of Business Excellence and Automation Tools (BEAT) to deliver domain-specific technology solutions that support clients in growing revenue and improving overall performance.

Barrie & Hibbert is a prominent provider of risk management modeling tools and stochastic modeling services, primarily catering to insurance companies globally. The company specializes in helping clients comprehend the uncertainties of financial markets and their implications for business performance. By utilizing its advanced stochastic modeling framework, Barrie & Hibbert enables clients to simulate various economic and asset scenarios. This capability enhances their understanding of financial market risks and supports the evolution of their business strategies in an increasingly complex and volatile environment.

Fermat International is a provider of risk and performance management software to the global banking sector.

Moody's Interfax Rating Agency is a large independent information service provider in Russia. Interfax Rating Agency, which specializes in evaluating credit risk in Russia, signed a strategic cooperation agreement with Moody's Investors Service in October 2001. The Interfax Rating Agency is a member of the Interfax Information Services Group, a leading provider of business and political information from the emerging markets of Europe and Asia. Further information is available at www.interfax.com.

KMV offers credit assessment solutions for lenders, investors, and corporations. It calculates the probability of loss on loan portfolios and the creditworthiness of an individual or business.

Magister is a Buenos Aires-based business risk analysis and credit ratings agency.