Moody's Investors Service

BitSight Technologies, Inc., founded in 2011 and based in Boston, Massachusetts, specializes in data analytics and security software focused on managing information security risks. The company offers a Security Ratings Platform that utilizes sophisticated algorithms to generate daily security ratings, which range from 250 to 900. These ratings assist organizations in managing third-party risk, underwriting cyber insurance policies, benchmarking performance, conducting mergers and acquisitions due diligence, and assessing aggregate risk. BitSight's technology is widely adopted, with over 1,000 customers, including major cyber insurers, Fortune 500 companies, and leading investment banks, who rely on its services for critical risk and business decision-making. The platform is recognized as the most widely used Security Ratings Service globally.

Risk Management Solutions, Inc. (RMS), founded in 1989 and based in Newark, California, specializes in providing risk management services, particularly through its Risk Intelligence platform. This platform offers global predictive and probabilistic risk models, extensive risk data, and various APIs and applications for comprehensive risk analytics. Clients in the financial services, insurance sectors, public agencies, and policymakers utilize the platform to integrate and assess scientific data, engineering insights, and actual loss experiences following catastrophic events. The Risk Intelligence platform enables organizations to evaluate, price, mitigate, transfer, and trade risks associated with natural disasters such as earthquakes, wildfires, floods, and hurricanes, as well as man-made threats like terrorism and cyber risks. As of February 2020, RMS operates as a subsidiary of George Hills Company Inc.

VisibleRisk Inc. is an information security analytics company that specializes in providing solutions for enterprise visibility and advanced security analytics. The company offers a cybersecurity platform designed to continuously monitor and manage cyber risks, leveraging expertise in risk measurement and cybersecurity technologies. Its services include advanced "hunting-based" analytics, custom threat intelligence, and incident response support, alongside tailored content for network forensics. VisibleRisk enables clients to visualize cyber threats in financial terms, facilitating improved governance and more effective risk mitigation strategies.

ZM Financial Systems, Inc., founded in 2003 and based in Cary, North Carolina, specializes in the development, sale, and support of analytics software tailored for fixed income and derivatives professionals in the capital markets and banking sectors. The company offers a range of products, including ZMdesk, which provides valuation analytics, market risk reporting, and portfolio management tools. Their OnlineALM.com platform focuses on asset and liability management, offering features for earnings simulations and risk management. Additionally, ZM Financial Systems provides Online Budgeting, a cloud-hosted application designed for the budgeting processes of banks and credit unions. Their ZXBondSwap tool assists users in analyzing security trades and loan funding decisions. Serving approximately 1,500 financial institutions, the company aims to deliver advanced financial analytics that address real-world challenges while maintaining user-friendly solutions. 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 FinTech company based in London, United Kingdom, specializing in risk analytic solutions tailored for the asset management and pension fund sectors. The company develops intuitive and user-friendly tools that facilitate risk analytics and reporting. Its product offerings include valuation services, simulation analytics for endowment portfolios, and benchmarking platforms designed for liability-driven investing. By focusing on the unique needs of the pensions and investments market, RiskFirst aims to enhance decision-making processes within these financial sectors.

Four Twenty Seven, Inc. is a climate research and risk management firm based in Berkeley, California, founded in 2012 by Emilie Mazzacurati. The company specializes in combining economic modeling with climate science to assist investors, corporations, and governments in understanding and mitigating the risks associated with climate change. Four Twenty Seven provides science-driven risk analytics that support climate adaptation and resilience investments, facilitating the integration of climate science into business and policy decisions. With a team of professionals skilled in various fields, including climate science, macroeconomics, and policy analysis, the company aims to advance informed decision-making in the face of climate-related challenges. Four Twenty Seven operates as a subsidiary of Moody's Corporation as of July 2019.

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. is a cybersecurity ratings and continuous monitoring platform that evaluates the cybersecurity strength of businesses and third-party vendors. Founded in 2013, the company has developed a patented technology that provides instant risk ratings for over a million companies, helping organizations manage their cybersecurity risks more effectively. Its offerings include ThreatMarket, a cloud-based vulnerability search engine that assesses security posture across various risk categories, and Score Planner, which allows companies to explore remediation strategies. Additionally, SecurityScorecard provides tools for vendor risk management, board reporting, and cyber insurance underwriting through its Scorecard Event Log and Atlas platform for questionnaire management. The company serves a global clientele, including Fortune 1000 organizations, and collaborates with value-added resellers and service partners to deliver its solutions. Based in New York, SecurityScorecard aims to enhance organizational resilience by facilitating the identification and mitigation of cybersecurity risks.

Barrie & Hibbert helps clients understand how the uncertainty of financial markets can impact their business. Barrie & Hibbert Limited, a leading provider of risk management modeling tools for insurance companies worldwide.

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

Moody's KVM manage all commercial, agriculture, and small business loans with a single, comprehensive lending platform. KMV is a credit risk management technology firm. KMV's technology is utilized by the world's largest financial institutions as well as banks, insurance companies, and institutional money managers. In addition to its San Francisco headquarters, KMV has offices in London, Tokyo and northern New Jersey.

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