KYC/KYS

Overview

Mark Wheeler Country Manager; Denmark & Norway

Sverker Tornhagen KYC Industry Practice Lead
Agenda
Introductions

Moody’s and our data

Solutions for Compliance and KYC

Q&A

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As the world’s leading integrated risk assessment
provider, Moody’s addresses your core challenges

Credit &
Financial Risk We help
Business
Development
you answer…
Who am I doing
business with?
Data, analytics and insights to identify,
measure and manage a wide range of Are they reputable
Data
interconnected risks
Management
KYC/KYS and sustainable?

Is this entity credit

worthy?

ESG Solutions
Global debt markets through
Tax & Transfer
credit ratings and research
Pricing

3
Unique data, scalable technology and proven expertise

In-house experts with deep Analysts providing review &

industry knowledge support
Advisory
In-house experts focused on Professionals dedicated to customer
expanding content success and customer support

Entity due diligence Individual & entity Holistic workflow

for onboarding & screening platform & API integrator Continuous
Solutions monitoring investment
in KYC
innovation

Ultimate Entity PEPs, Adverse Direct links to ESG score

Beneficial firmographics sanctions media tagged corporate predictive
Ownership and corporate and other with risk codes registries data
Data structures watchlists & stages,
powered by AI

4
2022 Recognition

Moody’s Analytics was

named Chartis
RiskTech Quadrant
Category Leader for
KYC/AML Data
Solutions and
Sanctions Screening
Solutions: Name
Screening

5
Moody’s for Compliance

• Industry leading in ownership information

• Integration with GRID - Sanctions, PEPs and Adverse Media data

• AML-screening of subject company incl. directors, managers and ownership

• Time-consuming research done in seconds

Who am I doing What are the risks of doing

business with? business with them?
 What are the risks of doing
Who am I doing business with?
business with them?

Moody’s priority:
Improved data
quality and quantity

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 What are the risks of doing
Who am I doing business with?
business with them?

Using a network of
170+ information
providers

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 What are the risks of doing
Who am I doing business with?
business with them?

We go above and beyond to capture corporate

ownership and management

• Confirmed with numerous publicly available

sources
Information from a
variety of sources • Global analyst teams
• Manchester
• Brussels
• Singapore

9
 Who am I doing business with? What are the risks of doing business with
them?

PEP &
Sanctioned
Russian

Cayman
Getting you to Islands

a better, faster
British Virgin Islands
“No”

Swiss
parent

Norwegian private
company

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Curated, Consolidated View of Risk
What are the risks of doing
Who am I doing business with?
business with them?
Adverse Media
Indexed & discoverable by date, event,
stage
PEPs
Information of type, level and risk
Sanctions/Lists
Indexed & discoverable by event and
source
 What are the risks of doing
Who am I doing business with?
business with them?

GRID™ delivers…

Tunable platform 2M+ PEPs 1.400+ sanctions and Adverse Media

screening
Minimizing false Risk codes and stages,
tuned to what is most
Categorized by type, level,
country and risk rating
other lists
Global sanction lists, 3 billion+ screened media
positives, drawing important regulatory action, law
enforcement press, and more
articles. Daily media
scanning of newspapers,
on the deepest risk magazines, TV and Radio

data without the

as submissions go through the curated risk profiles; 1
noise 100 to 1 multiple stages of filtering and review 14M+ per individual or entity

Illustrative example:
91 are systematically ‘no
100 enquires are matched’ through name 8 are eliminated through 1 alert for
submitted matching technology false positive review decisioning

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Detailed list of the risk event types and stages

Risk event types Risk event stages

ABU Abuse MIS Misconduct
ARS Arson MLA Money Laundering Stage 1 Stage 2 Stage 3 Stage 4
AST Assault, Battery MOR Mortgage Wrongdoing
BRB Bribery MSB Money Services Business
MUR Murder • Accuse • Arraign • Appeal • Acquit / Not Guilty
BUR Burglary • Allege • Arrest • Confession • Disciplinary
BUS Business Crimes NSC Nonspecific crimes
• Conspire • Audit • Plea • Regulatory Action
OBS Obscenity
CFT Counterfeiting • Probe • Charged • Settlement or • Arbitration
ORG Organized Crime
CON Conspiracy • Suspected • Complaint Filed Suit • Associated
PEP Politically Exposed Person
CPR Copyright Infringement, Piracy • Indict • Trial • Censure
PRJ Perjury
CYB Cybercrime • Lien • Convict
PSP Possession of Stolen Property
DEN Denied Entity • Seizure • Deported
REG Regulatory Action
DPS Drug Possession • Wanted • Dismissed
RES Real Estate Actions • Expelled
DTF Drug Trafficking ROB Robbery • Fine (<$10K, >$10k)
ENV Environmental Crimes SEC Securities Violations • Govt Official
FOR Forfeiture SEX Sex Offenses • Revoked
FOS Former Sanctions SM Smuggling Registration
FOF Former OFAC G Sanctions Connect • Sanction
FRD Fraud SNX
• Served Jail Time
FUG Fugitive • Suspended
SPY Spying
GAM Gambling TAX Tax-related Offenses
HUM Human Rights Proprietary Specialized Lists
TER Terrorism
IGN Weapons Possession TFT Theft LMD Marijuana Related Businesses
IMP Identity Theft SNX Sanctions Connect
TRF Human Trafficking
IPR Prostitution FOS Former Sanctions
WLT Watch List IRC Iran Connect
KID Kidnapping
LNS Loan Sharking FAR Foreign Agent Registration Act
PAN Panama Papers

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 Configure to only see what is relevant (“CVIP”)

Risk Stages
Risk Types
ACC Accuse
BRB Bribery, Corruption ACQ Acquit, Not Guilty
CFT Counterfeiting ADT Audit
CON Conspiracy ALL Allege
CYB Cybercrime APL Appeal
DEN Denied Entity ART Arrest
DTF Drug Trafficking ASC Associated with,
FOF Former OFAC CHG Charged
FRD Fraud CNF Confession
LMD Legal Marijuana Disp. CVT Convict, Conviction
MLA Money Laundering DEP Deported
MUR Murder DMS Dismissed
ORG Organized Crime IND Indict, Indictment
PEP Politically Exp. Person PLE Plea
SEC Securities Violations SAN Sanction
SNX Sanctions Connect SET Settlement or Suit
SPY Spying SJT Served Jail Time
TER Terrorism SPT Suspected
TRF Human Trafficking TRL Trial
WLT Sanctions/Watch Lists WTD Wanted

Over 60 total Types of Risk Over 30 total Stages of Risk

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Financial Crime Due Diligence

Data as a Foundation Specialized solutions

Orbis | Entity Data

Passfort |
Customized workflow
GRID | Risk Data

Orbis | Entity Data

Compliance Catalyst
| Assessment
GRID | Risk Data

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 What are the risks of doing
Who am I doing business with?
business with them?

Compliance Catalyst™ delivers…

Automated User-configured risk Ongoing Detailed audit trail and

workflow tool
Data-driven Solution
Building on the Orbis
assessments
Screens for the criteria that you
monitoring
Alerts for changes in risk The system integrates with
decision engine and GRID databases find relevant exposure your existing processes

and risk
management
Catalyst Process Intuitive and fast user experience that helps you spot risk so you can
platform escalate high risk cases more quickly
Simple example:

Choose Get a
your Apply risk detailed risk Monitor and
company / model report with manage
individual audit trail

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Catalyst – risk report
Moody’s Analytics sanctions solution goes beyond 'lists'

Names NOT on the

Names ON the list sanctions list,
covered by GRID uncovered by Orbis
screening

3
New OFAC
SDN
2
entity
banks
42
linked entities
194
additional Sanction
individuals
by Extension entities
owned > 50% (Orbis)
 What are the risks of doing
Who am I doing business with?
business with them?

Orbis™ delivers…

>400m
Companies Identification Corporate structure Beneficial ownership & Financial strength
Time-consuming and verification details control metrics and forecasts

research done in
39m
seconds
Private companies with
Readily deployable answers to due
diligence requirements through ~50 >435m
79t unique fields, such as:
• UBOs and controllers
Companies

Listed companies
• Ownership structure 39m
Private companies with detailed
• Directors & managers financials
• ESG predictor scores
• Mergers & acquisitions
• Firmographics
79t
Listed companies
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 What are the risks of doing
Who am I doing business with?
business with them?

GRID
How could they miss LexisNexis
it? Dow Jones
World-Chec

Everybody

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 What are the risks of doing
Who am I doing business with?
business with them?

Level of access Levels of access to RDC’s Grid

1 2 3 4 5
• Sanctions • Sanctions • Sanctions • Sanctions • Sanctions
• Watchlists • Watchlists • Watchlists • Watchlists • Watchlists
• PEPs • PEPs • PEPs • PEPs
• Adverse media • Adverse media (all • Adverse media
(targeted, up to 8 adverse media codes) • Special collections
adverse media
codes)

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 What are the risks of doing
Who am I doing business with?
business with them?

A comprehensive global database of 1.9m+ PEPs with risk scoring – helping you surface
potential risk paradigms

Reducing Workload
via a Risk-Based
Approach

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Our risk intelligence alerting is tunable Create multiple
across 4 core dimensions configurations tailored to
each of your use cases

1 Risk event type Risk Stages

Stage 1 Stage 2 Stage 3 Stage 4

50+ risk categorizations such as political corruption, organized crime, Deposit & C
counterfeiting, cyber crime, and drug trafficking, across severity levels Credit – Retail
Low risk V
(CVIP)

Risk Types
configuration I
P

Risk stage
2 30+ stage filters of the risk event spanning from accusation to final
Risk Stages

Stage 1 Stage 2 Stage 3 Stage 4

outcomes (e.g., conviction, regulatory action) C

Commercial
Medium risk V

Risk Types
configuration
I
Lookback period
3 Time relevance filter so that you only see recent, as defined by you, risk
P

events
Risk Stages

Stage 1 Stage 2 Stage 3 Stage 4

C
Wealth
4 Name match precision management V

Risk Types
High risk
A confidence score threshold so that you can open the aperture on high configuration
I
risk events while keeping it tight for lower severity events P

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 What are the risks of doing
Who am I doing business with?
business with them?

We plug into your

system via API to
unlock value inline with
your existing workflow Third-party or
Orbis™
Flexible workflow tools and processes GRID™ internal
platform
solutions, designed
to meet your needs
and simplify
implementation

Get your KYC/KYS

process up and running
with the Compliance
Catalyst™ platform Compliance
Orbis™
GRID™ Catalyst ™

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 We are uniquely positioned to be your best
Financial services
partner
Corporations
Government
Professional services
400+ million
Number of entities, with
beneficial ownership
70%+
Reduction in false positives,
without increasing false
negatives
1,600+
Existing customers
using our service
14+ million
Curated risk profiles, includes
data from 2M+ categorized and
scored PEP lists
6+ trillion
Names screened and
continuously monitored
360°
view of who you do business
with and risks associated
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Corporates
We are uniquely positioned to be your best
600+ corporate clients partner
across the world
Technology
3 out of 5 largest tech
companies
by market capitalization
Financial services
36 out of 50 largest
banks globally
by asset size
Government and professional services
350+ institutions
across the world
425+ million
Number of entities, with
beneficial ownership
360°
view of who you do business
with and risks associated
1,700+
Existing customers using
our service
211
Jurisdictions with 4+ million
onboarding journeys per year
across the world
15+ million
Curated risk profiles, includes
data from 2M+ categorized and
scored PEP lists
6+ trillion
Names screened and
continuously monitored
70%+
Reduction in false positives,
without increasing false
negatives
90%+
Average STP rate (fully
automated)
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We look forward to establishing a
long-term partnership with you
To learn more about how we can help you, contact us
today to get started

Mads Espensen Lara Ghabril Bech

@madsespensen @lara-ghibril-eichel-bech-80486110/

Madsjaeger.Espensen@moodyus.com Lara.Ghabril@moodys.com

+45 31 22 84 66 +45 35 15 21 33

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