Build a clearer picture of who you are working with—before, during, and after onboarding.
Moody’s combines global entity and individual data, leading risk intelligence, and AI-enabled workflow orchestration to help your teams make more informed decisions at speed.
Our solutions support the full know your customer (KYC) and know your business (KYB) lifecycles—from first check to continuous risk monitoring.
Tap into rich, global coverage of entities, individuals, ownership and control, and corporate hierarchies across 200+ jurisdictions for compliance and third-party risk management.
Verify entities with access to official sources and registries. Then check a customer, third party, or supplier’s parent companies and ultimate beneficial ownership structure. Screen directors for sanctions and review politically exposed person (PEP) status, all without leaving the case.
Move beyond point‑in‑time checks to dynamic pKYC checks and prioritize screening. Perpetual monitoring updates customer and counterparty risk data as new events occur. If a beneficial owner is newly listed by a sanctions authority, the profile can be re‑assessed and flagged for review with relevant evidence included.
A full case management system supports investigation notes, audit trails, customer communications, and document collection. Request a renewed certificate of incorporation inside a case; the document is then stored and time‑stamped.
Align automated KYC checks with your risk policies, tailored to your business needs, and its risk appetite. Set lower‑risk customers to straight‑through processing; escalate higher‑risk counterparties for due diligence and maximize the power of AI-innovation to automate tasks.
Number of entities with beneficial ownership
Curated risk profiles, includes data from 3.1M+ categorized and scored PEP lists
Names screened and continuously monitored
across KYC and financial crime categories in Chartis reports and RiskTech100®
Validate IDs, corporate registrations, and ownership/control structures. Pull registry records, map subsidiaries, and attach documents to a case.
Screen at onboarding and monitor continuously for changing status. Improve name-matching and suppress duplicate hits.
Curated risk profiles link individuals and entities to news and regulatory actions. Use AI for matching and route relevant articles for review.
Create smart risk and compliance policies that map to an automated process. Built workflows tailored to your organization and adapt them when needed.
Keep risk profiles current by refreshing ownership graphs and rescreen, when necessary, for example if there is a change of beneficial ownership.
Surface risk patterns and leverage agentic AI to support reviews to determine the next best action.
Automate onboarding and monitoring activity designed around anti-money laundering (AML) and counter-terrorist financing (CTF) obligations.
Apply risk‑based KYC checks that can adapt with business growth and evolving risk policies.
Automate AML/CTF, third‑party due diligence, and sanctions screening workflows.
Streamline client onboarding and ongoing monitoring to help support anti-bribery, corruption, and other compliance standards.
Integrate investor due diligence and sanctions screening into workflows to support regulatory obligations and mitigate reputational risk.
Centralize third-party risk assessments and automate supplier screening for sanctions, sustainability compliance requirements, and anti-bribery.
Support investigations and enhanced due diligence with integrated data and analytics to deliver intelligence related to entities and individuals.
Orchestrate KYC activity in a single platform with Moody’s Maxsight™.
Bring together thousands of data points so KYC, onboarding, risk, compliance, sales, marketing, or senior management can work from a shared view.
A single solution to surface identity data, beneficial ownership, sanctions hits, and adverse media matches, and much more.
Moody’s combines global data, risk intelligence, ownership and UBO mapping, sanctions screening, and workflow orchestration—so teams can assess counterparties in context, not in silos.
See a walkthrough of Maxsight™ for onboarding.
| Identity & Document checks | AML/Watchlist screening | KYB / UBO Data & Ownership Mapping | Adverse Media / Risk Intel | Workflow & Case Mgmt | Continuous Monitoring |
| ID and entity verification with registry lookups and ownership/control views. | Sanctions, PEP, and watchlists with curated profiles. | Deep ownership & control with 600million+ entities; 211 jurisdictions. | Millions of curated profiles link news/regulatory actions to entities/people. | Full case management, orchestration via Maxsight™. | Perpetual KYC with continuous profile refresh. |
| Core Strengths | Best Fit |
| Unified KYC across ID/entity verification, UBO mapping, sanctions/PEP, adverse media, and workflow orchestration; perpetual monitoring; strong coverage metrics and market recognition. | For organizations who want a provider with deep, rich, global data coverage, and a platform for onboarding, screening, due diligence, and continuous risk monitoring. |
Leading global advisory, broking, and solutions company, WTW's strategy for KYC and sanctions screening is to focus on automation, efficiency, and a risk-based approach. After a thorough assessment, the company selected Moody’s for its flexibility, user-friendly interface, and data integrations.
The platform empowers customers to automate KYC activities using WTW’s unique smart policies, triggering requests based on customer data, and leveraging integrated data checks with Moody’s Orbis database.
Perpetual KYC (pKYC) is an ongoing, dynamic process of monitoring and updating customer, supplier or another third-party’s information throughout their lifecycle. Rather than performing periodic reviews every few years, pKYC is a continuous screening approach. It uses automation and AI technologies to help detect changes in customer profiles or risk indicators as they happen, to support compliance activity and mitigate exposure to financial crime risks.
KYC verifies the identity of individuals by using personal documents like passports or other ID to help prevent fraud and to comply with anti-money laundering (AML) regulations. KYB aims to verify the legitimacy of business entities, including registration details, ownership structure, and Ultimate Beneficial Owners (UBOs), which can often involve more complex checks.
Adverse media screening can help organizations understand risks throughout the lifecycle of a relationship by identifying negative news or other public information that points to risks like links to financial crime, fraud, corruption, or regulatory violations. This early-warning process can help when making categorizations about the level of risk a third-party might pose and therefore help inform decision making.
Beneficial ownership checks can be supported by data from official corporate registries and company filings, global UBO registries that aggregate ownership information across jurisdictions, and commercial databases like Moody’s Orbis that provides detailed company structures and shareholder data. Government filings and tax records can also be used, when available, along with sanctions lists, watchlists, and adverse media sources to add risk context.
*This content is for informational purposes only and reflects our understanding of the subject matter as of the date of publication. It does not constitute legal, regulatory, or compliance advice.
At Moody’s, we’re proud of the recognition we have received from around the world. Spanning all areas of our business, these awards highlight the important role we play in risk management, and they reflect the contributions of all our employees.
This recognition underscores Moody’s continued excellence and innovation in delivering data-driven solutions for financial crime risk management
Moody’s is excited to have won in the Chartis FCC50 category for KYC reflecting our market-leading data, analytics, and solutions in this area
Moody’s win in this new category recognizes our solution that integrates diverse datasets to create a holistic, unified view of risk
Moody's win in this new category of MDM recognizes our market-leading data, that helps our customers decode risk and unlock opportunity in an era of exponential risk.
For a second year, Moody’s was recognized for its industry-leading shell company detection capabilities
Recognition of our contribution to enhancing understanding of sanctions-related risks and promoting regulatory compliance
The Chartis Financial Crime and Compliance50 ranking and report names Moody's as the category winner for perpetual KYC
Recognition for Moody's industry-leading shell company detection capabilities
Moody’s continues to lead the way, earning the number one overall ranking in the Chartis RiskTech100® 2024 annual report for the second consecutive year
The Chartis RiskTech100® 2024 annual report names Moody’s as the category winner for Financial Crime – Data
Moody’s was positioned as category leader with the most complete offering for KYC data solutions
Moody’s was positioned as a category leader for CLM solutions for wealth management
Recognition of Moody’s as a leader in the fraud and anti-money laundering (FRAML) solutions category
Recognition for AI Review, our intelligent screening, and customer onboarding solution
Named one of the world’s most innovative companies developing AI technologies in financial services
Recognition for our market-leading and innovative solutions helping buy-side firms address their compliance needs
Recognition for our KYB data obtained from live connections to corporate registers, financial authorities, and tax offices, globally
Recognition for AI Review, our intelligent screening, and customer onboarding solution
Moody’s Analytics was positioned as category leader with the most complete offering for KYC and AML data solutions
Moody's Analytics was named category leader with the most market potential for sanctions solutions: name screening
A repeat win for our data that helps clients identify risk, improve compliance processes, and prevent financial crime
Earned for our solutions targeted at managing and meeting specific PEPs and sanctions data requirements
Firms subject to new US export control requirements could double within a year following a shift to an ownership-based model. The change, intended to close loopholes, could open exporters to new compliance and operational risks.
Money laundering is the illegal process of taking money generated by criminal activity and making it seem to have come from legitimate sources by passing it through the financial system. Illicit proceeds can be laundered in different ways, and can involve large-scale organized crime activity across borders.
Customer due diligence (CDD) is the process by which banks and other financial institutions (FIs) identify and verify individuals before they become customers, and how they then assess risk throughout a customer’s lifecycle. The CDD process helps banks understand and manage their entire client risk base and prevent financial crimes like money laundering and fraud.
The Bureau of Industry and Security (BIS), part of the US Department of Commerce, plays a key role in safeguarding national security and foreign policy interests through export controls. A central tool in this effort is the Entity List, which restricts certain foreign individuals, organizations, and government agencies from accessing US-origin goods, software, and technology.
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