How Moody’s Encodes Financial Expertise into AI Skills

By bringing human analytical frameworks into the digital space, Moody’s Corporation is transforming centuries of market wisdom into single natural-language prompts with the launch of its first set of platform-agnostic AI skills.

Available across compatible AI platforms beginning with Microsoft 365 Copilot Cowork, the capability allows customers to execute complex analytical workflows through a single natural-language request. 

These purpose-built, platform-agnostic instruction kits encode Moody’s analytical frameworks and connect AI agents to its decision-grade intelligence. The software grounds all outputs in proprietary ratings, research and risk intelligence.

Cristina Pieretti, Head of Digital Content and Innovation at Moody’s, says: “Moody’s is among the first financial data providers to deliver a full library of skills on an open standard and today’s launch is just the beginning.” 

Targeting core workflows

By publishing its analytical frameworks as skills that run on the platforms where market participants already operate, Moody’s aims to embed its intelligence at the centre of how financial analysis is executed across the industry.

The first wave of skills covers high-priority financial workflows where expertise is most concentrated:

• Earnings Call Summary: Summarises earnings call transcripts, covering revenue trends, pricing dynamics, consumer health, tariff exposure and more
• Peer Analysis: Produces an investor-grade comparison across leverage, profitability, ESG, credit quality and more
• Public Information Book: Builds a comprehensive dossier on a single entity, spanning financials, governance, competitive landscape and risk profile
• Rating Pitch: Generates a structured pitch deck covering sector context, rating history and peer positioning
• Sector Analysis: Combines proprietary research with live market intelligence to deliver a full sector-level outlook.

Each skill encodes analytical steps and quality standards to produce outputs that are consistent, sourced and defensible for high-stakes decision-making in regulated environments. 

A skill defines exactly how the work is done. Model Context Protocol (MCP) servers from Moody’s Corporation then connect that skill to the data it runs on.

MCP operates as an open standard that lets an AI agent draw directly on the ratings, research and risk intelligence of Moody’s Corporation.

This ensures that the outputs are grounded entirely in proprietary data rather than general-purpose web content.

Open standards drive portable AI assets 

A skill also teaches an AI agent how to perform a task to a defined standard, a framework that is captured in a simple, shareable instruction file.

They are built on the open SKILL.md format. This format originated with Anthropic and has since been adopted by platforms like OpenAI, Microsoft, Google and Amazon.

Because the standard is open, the institutional knowledge encoded in each skill is a durable, portable asset. It represents a flexible tool rather than a capability locked to one provider, built once and able to run on any compatible platform.

Moody’s Corporation plans to expand its library of skills to include credit analysis, lead generation, third-party due diligence and insurance underwriting.

This expansion will extend its analytical frameworks into more of the high-stakes workflows where financial professionals operate.

Each new skill will follow the same open, platform-agnostic standard. This design ensures that the institutional knowledge remains a durable, portable asset across compatible AI platforms.