Moody’s Talks: Risk Reframed

Terrorism is not a static threat—it’s evolving in complexity and reach, demanding new ways of thinking and acting to counter it. Staying ahead means knowing what to look for and equipping the intelligence and security community with the insights needed to act decisively in an unpredictable world. 

In this third installment of the All-Source miniseries, we’re bringing together two leading voices on counterterrorism: Russ Travers, Retired Senior Intelligence Executive and National Security Official, and Jason Lee, Industry Practice Lead at Moody’s. Together, they’ll help us dig into some of the most pressing questions shaping today’s global security environment: 

• How has terrorism evolved over the decades, and what does this reveal about the future of global security?  
• What distinguishes foreign terrorism from domestic terrorism, and how do these differences shape the way we approach prevention and response? 
• Should drug trafficking organizations be classified as terrorist groups? 
• Where do terrorist groups operate in less obvious spaces, and what can uncovering these hidden networks teach us about their strategies and vulnerabilities? 
• In an age of overwhelming data, how can intelligence agencies separate actionable insights from noise to stay one step ahead of emerging threats? 
• What advanced tools and capabilities should counterintelligence teams possess to effectively dismantle complex, adaptive networks of terrorism? 

For further information, check out the resources below:  

• War on the Rocks
• Terrorism 360°

To learn more about Moody’s please visit our website or get in touch we would love to hear from you. 

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In a world increasingly defined by rapid information flow, interconnected risks, and complex decision-making, intelligence analysis has never been more critical—or challenging. In this second installment of our All Source miniseries, we are joined by Lieutenant General Guy Swan, U.S. Army (Retired) and President of Swan and Associates, LLC and Jason Lee, Industry Practice Lead at Moody’s who explore how the skills and insights gained from leveraging intelligence in military decision making can be applied to private sector initiatives. Their discussion answers questions like: 

• How can leaders prioritize decisions and address bias when dealing with overwhelming amounts data?
• What can the military and private sector teach each other about decision-making?
• How can Open Source Intelligence (OSINT) be leveraged in military and financial contexts?
• What strategies help organizations manage exponential and interconnected risks to ensure their plans are resilient to real-world challenges?
• How can AI and technology improve intelligence analysis while maintaining human judgment?
• Why do cultural differences and diversity of thought matter in intelligence analysis?

For further information, check out the resources below: 

• Department of Defense OSINT Strategy
• Department of Homeland Security website

To learn more about Moody’s please visit our website or get in touch; we would love to hear from you. 

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Could your company be the next target for corporate espionage, where trade secrets and competitive advantages hang in the balance? As corporate spies evolve their methods to outpace defenses, the risks have never been greater. 

In this gripping first episode of our All Source series, we’re joined by Michael Orlando, Senior Director of Global Security at Micron Technology, and Jason Lee, Industry Practice Lead at Moody’s, for an eye-opening exploration of the covert world of corporate espionage. Together, they peel back the layers of this hidden threats, diving into critical questions like: 

• Why is corporate espionage a growing risk in today’s interconnected world? 
• What signals might indicate your organization is being targeted? 
• What drives bad actors to exploit companies, and how are their methods becoming more sophisticated? 
• How are tools like OSINT (Open Source Intelligence) being used to investigate and combat espionage? 
• How are governments and regulators tackling this issue?
• How will emerging technologies like AI reshape the future of corporate intelligence and defense? 

If you’re interested in learning more, check out the resources below: 

• Federal Bureau of Investigation
• The National Counterintelligence and Security Center
• U.S. Department of Defense 
• Cybersecurity and Infrastructure Security Agency

To learn more about Moody’s please visit our website or get in touch; we would love to hear from you. 

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Would you rather spend money recovering from a fraud-related attack or building an anti-fraud strategy? Organizations who become victims of fraud often find themselves paying enormous sums of money, managing severe reputational damage, and navigating uncertainties on how to better prepare for the future.

In this episode of KYC Decoded we welcome Chen Zamir, fraud strategy advisor and founder of the consultancy Native[risk].  Chen shares his deep expertise on the topic of fraud with host Alex Pillow, covering ideas like:

• Transforming fraud strategy towards an organization's growth engine
• How to discuss anti-fraud return on investment
• Anti-fraud performance indicators
• How senior executives can better engage with their fraud teams
• What anti-fraud vendors should consider

To learn more from Chen, subscribe to his weekly newsletter, The Saturday Fraud Strategist.

Find out how you can transform risk management across your organization with Moody’s Maxsight™ unified risk platform and feel free to get in touch; we would love to hear from you.

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Australia recently passed an amended anti-money laundering and counter-terrorism financing (AML/CTF) bill that will soon include Tranche 2 entities in its regulatory regime. 

The result? Approximately 100,000 new entities under its scope. 

Regulating non-financial entities is not a new undertaking, as we’ve seen in countries like the UK, Singapore, and United Arab Emirates. Crucial to the success of the regime and overall client experience will be how Australian firms adopt the best practices shown by firms in other parts of the world, while ensuring they account for the nuances of their domestic market.

In this episode of KYC Decoded, risk advisory lawyer, Jeremy Moller, from Norton Rose Fulbright and Qing Liu, Moody's Senior Director of Compliance & Third Party Risk in Australia, sit down with host Alex Pillow to discuss what the anticipated changes mean for Tranche 2 obliged entities and the future of compliance in Australia.

Key topics:

• Introduction of the Tranche 2 regulations
• Challenges and opportunities for firms implementing the reforms
• International comparisons of similar regimes, and opportunities for harmonizing regulations

Additional resources:

• Register for Moody’s in-person Sydney event on April 3 – the event features a blend of plenary and breakout sessions led by industry peers and Moody’s financial crime practice lead.
• Law Council of Australia: AML/CTF Guidance and Vulnerabilities Analysis
• Law Society of New South Wales AML/CTF Hub
• Information on AUSTRAC’s AML/CTF Reform
• Norton Rose Fulbright’s Tranche 2 and AML/CTF Reforms Hub

Visit our website and get in touch to learn more – we would love to hear from you.

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We find ourselves 3 years out from the Russia/Ukraine war, and the sanctions climate continues to evolve. From changing global politicians to sanctions regulations and enforcements to evasion tactics, it is imperative compliance professionals stay alive to risks, and the consequences of not doing so.  

In this episode of KYC Decoded, we are pleased to welcome Moody’s Industry Practice Lead, Hera Smith, an expert on sanctions and AML. In this brief, informative conversation with host, Alex Pillow, Hera walks us through how sanctions have changed in the past year, the current sanctions ecosystem, and what to look for in 2025. They explore:

• Why sanctions are such a commonly used geopolitical tactic
• How changing political leaders globally can impact sanctions across jurisdictions
• The financial risks of not adhering to sanctions compliance
• Automated understanding of current export controls
• How corporations and banks have adjusted staffing to keep up with the regulations
• Where organizations should start when beefing up their sanctions risk teams

If you would like to find out more, please check out the following resources:

• A new frontier in sanctions awareness and compliance whitepaper
• Are you ready for reporting on outgoing transfers involving Russian entities?
• Sanctions crisis management: preparing for potential change

We also welcome you to visit our website or get in touch to discuss sanctions; we would love to hear from you. 

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An exponential growth in data has coincided with the era of exponential risk - what does this mean for anti-financial crime and risk professionals? With ever increasing amounts of unstructured data and information at their fingertips, how can professional investigators implement sophisticated open-source intelligence (OSINT) investigations to make informed decisions?

In this episode of KYC Decoded, we welcome the CEO of Blackdot Solutions and former forensic investigator, Stuart Clarke. Stuart breaks down what is needed for high-functioning OSINT investigations in an enlightening conversation with host, Alex Pillow. Together they explore questions like:

• How do we extract real insights from unstructured data?
• What is the methodology for running an investigation?
• How can leaders deploy the right balance of data, technology, and human investigators, when conducting OSINT investigations?
• What makes OSINT investigations difficult for practitioners  in the private sector vs public sector?
• What is the impact of advanced OSINT?
• How much of an OSINT investigation can (and should) be automated?
• What are the legal and ethical guardrails around the use of open source data?

If you are keen to learn more, check out the resources below:

• Blackdot Solutions, The OSINT handbook
• Moody’s Maxsight™ Investigations

Please also visit our website and get in touch; we would love to hear from you.

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Imagine a world where the bulk of your workday is dedicated to gaining a deep understanding of financial criminal behavior and forecasting future transgressions - rather than being spent on monotonous research hunting for risk signals down rabbit holes. Could generative AI help make this vision a reality?

In this episode of KYC Decoded, Moody’s own Chief Product Officer, Nick Reed, sits down with host, Alex Pillow, to candidly discuss the possibility of addressing integrated risk at scale leveraging AI. Highlights of their conversation include:

• Democratizing data access and team interaction
• How AI agents can help transform traditional workflows
• The foundational need for Master Data Management
• The potential opportunities for practitioners who embrace a new way of thinking

If this episode leaves you eager to discover more about new unified risk management possibilities, register for our upcoming webinar "How unified risk management is decoding risk and unlocking opportunity," which will also be available on-demand. We encourage you to visit Moody’s Maxsight™ and please get in touch. We would love to hear from you.

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Human trafficking is one of the most terrible crimes imaginable. And, yet, the magnitude of it is so overwhelming that it can feel nearly impossible to tackle. But, what if there was a way to flip this problem on its head? Could we learn from technologists who use feedback loops to build information systems and apply this same way of thinking to a new challenge? 

In this KYC Decoded episode, we are honored to give the mic to Researcher and Assistant Professor of Information Systems at University of North Texas, Laurie Giddens. Partnering with Jodie Brinkerhoff, VP of Innovation at the third busiest airport in the world, the Dallas Fort Worth International Airport, Laurie was able to gather valuable, firsthand data and insights to better understand the existing challenges when combating human trafficking. Her enlightening conversation with host, Alex Pillow, explores probing questions like:

• How do data and technology change the possibilities for how we tackle human trafficking?
• Within the prevention, detection, and disruption paradigm, where should innovation focus first?
• What data points should we look at when building new technologies and what kinds of unstructured data should be considered?
• What stakeholders should be included to collect data and work through possible solutions?
• Similarities between the data challenges of AML and transaction monitoring with this part of the risk ecosystem, and how they could learn from each other
• How could feedback loops help fight human trafficking more effectively?

If you would like to continue this learning, please check out the resources below:

• National Academies, Developing an Airport Program to Address Human Trafficking: A Guide
• Laurie’s Google Scholar page
• Information Systems Journal, Information technology as a resource to counter domestic sex trafficking in the United States
• Moody’s The Infinite Game docuseries

To learn how you can better equip your organization to fight human trafficking, please visit our website and get in touch. We would love to hear from you.

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The cat and mouse game of criminals vs. regulators and compliance teams can feel intense, and the stakes are high. With advanced AI and deep learning technologies like deepfake, fraudulent activity is easier, cheaper, and more sophisticated than ever before. However, the same advancement in tools and technologies is exactly what’s needed to fight back, and even get ahead.

In this episode of KYC Decoded, we are happy to share the mic with deepfake experts David Thomas, Head of Product - Global Documents & Biometrics at GBG, and Paul Warren-Tape, Head of Risk and Compliance at IDVerse. Their gripping conversation with host Alex Pillow explores questions like:

• What are deepfakes and how are they created?
• What are the far-reaching consequences of using deepfake technologies for nefarious activity, and who are the victims?
• How do we know what to trust when we can’t rely on our eyes and ears alone?
• What controls and technologies are needed in the identification space?
• Who is leading the way in getting ahead of fraudsters?
• How can we use powerful technology ethically and responsibly?

Please listen to the episode wherever you get your podcasts, and if you are curious to learn more, check out the recommended resources below:

• Coded Bias documentary
• Gartner report: Emerging Tech: Combating Deepfakes, Deception and Disinformation in Multimedia Content
• IDVerse report: The Truth About Identity and Inclusion
• The Social Dilemma documentary
• GBG resources and insights library
• National Institute for Science and Technology (NIST) Cybersecurity Framework

If you would like to chat with Moody's about mitigating financial crime risk in your organization, please visit our website and get in touch. We would love to hear from you. 

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