Moody's

Sardine specializes in providing risk management solutions primarily for the financial services sector. They focus on using artificial intelligence and machine learning to help enterprises manage risks associated with fraud, credit, and compliance. The company aims to serve businesses in the digital economy by offering tools and services that enhance operational efficiency and ensure regulatory compliance.

Praedicat, Inc. is a Los Angeles-based company that develops advanced software solutions for the property and casualty insurance industries, focusing on liability catastrophe risk. Since its incorporation in 2011, Praedicat has aimed to enhance the underwriting process and risk management through its innovative technology. The company's patent-pending software extracts and analyzes information from scientific literature regarding emerging risks, employing a structured approach that incorporates applied legal reasoning and economics. This analysis is designed to inform the core functions of liability insurers and reinsurers, offering them innovative risk measures and visualizations. By transforming emerging risks into opportunities for growth, Praedicat supports its clients in effectively modeling and managing their liability exposures.

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

kompany is a RegTech platform specializing in global business verification and Know Your Customer (KYC) solutions. Founded in 2012 and headquartered in Vienna, Austria, with additional offices in Singapore and the UK, kompany offers real-time access to primary source, time-stamped company information from over 150 jurisdictions. Its services include an API and a shareholder identification tool known as UBO discovery, which help financial institutions, payment service providers, insurers, and other regulated entities automate their due diligence processes. As a licensed clearing house and official distributor of business registers in various countries, kompany supports clients in adhering to the latest anti-money laundering regulations. The company boasts a diverse team of developers, regulatory experts, and product managers dedicated to enhancing business compliance and verification.

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.

RMS provides the "Intelligent Risk Platform" that delivers global risk analytics capabilities as part of Moodys. The platform from RMS brings predictive and probabilistic risk-models, rich risk data, APIs and analytics applications for complete view of your physical, climate, climate change risk. Customer in financial services, insurance industries, public agencies and policymakers harness Intelligent Risk Platform to integrate and analyze the relevant science, data, engineering knowledge, and actual loss experience in the aftermath of a nature-made or man-made catastrophe. Risk Intelligence platform help customers evaluate, price, mitigate, transfer and trade on risks from events caused by earthquakes, wildfires, floods, hurricanes and other events effects of climate change, as well as risks from pandemics, terrorism and cyber risks.

VisibleRisk is a joint venture between Moody's and Team8 that offers a cybersecurity platform designed to help businesses manage cyber risks in financial terms. The platform continuously monitors and assesses cyber threats, providing business leaders with the tools to understand, manage, and communicate these risks effectively. By leveraging expertise in risk measurement and cybersecurity technologies, VisibleRisk develops innovative methods for visualizing cyber threats, enabling clients to enhance their governance and mitigation strategies. Through its solutions, VisibleRisk aims to integrate cybersecurity into the broader financial risk management framework of organizations.

Cortera, Inc. is a provider of business-to-business analytics and cloud-based risk management solutions, specializing in payment and purchase behavior data for both public and private companies. The company tracks $1.6 trillion in business-to-business purchases across 45 spend categories, delivering insights on 20 million U.S. business locations. Its offerings include Cortera Pulse, which monitors credit risk and key events; Boost, which appends scores and insights about customers and suppliers; and Cortera Decisions, an automated scorecard platform. Additionally, Cortera provides eCredit for credit scoring and collections automation, Cortera Traits for real-time statistical modeling, and Connect, an XML web service for accessing proprietary data. With a focus on helping companies understand their customers and partners, Cortera’s solutions enhance revenue generation, improve sales and marketing effectiveness, and mitigate risk. Founded in 1993 and headquartered in Boca Raton, Florida, the company also has offices in Quincy, Massachusetts, and Bengaluru and Coimbatore, India.

ZM Financial Systems, Inc. is a Cary, North Carolina-based company that specializes in developing and supporting analytics software tailored for fixed income and derivatives professionals within the capital markets and banking sectors. Founded in 2003, the company provides a suite of products, including ZMdesk, which offers valuation analytics, market risk management, and portfolio management tools. Additionally, OnlineALM.com serves as a solution for asset liability management, featuring risk management integrations and reporting capabilities. ZM Financial Systems also offers Online Budgeting, a cloud-hosted application designed for the budgeting process in banks and credit unions, along with ZXBondSwap, an analytical tool for evaluating security trades and funding decisions. With a client base of approximately 1,500 financial institutions, the company focuses on delivering advanced financial analytics that address real-world challenges while maintaining user-friendly interfaces. As of December 2020, ZM Financial Systems operates as a subsidiary of Moody's Corporation.

RiskFirst is a FinTech company providing risk analytic solutions for the asset management and pension fund communities.

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.

Barrie & Hibbert is a prominent provider of risk management modeling tools and stochastic modeling services, primarily serving insurance companies globally. The company specializes in helping clients navigate the uncertainties of financial markets by offering a framework that enables the modeling of economic and asset scenarios. This capability enhances clients' understanding of financial market risks, allowing them to adapt and improve their business performance 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.