Moody’s has issued a sector-wide warning that AI-accelerated threat tooling is materially compressing the window between vulnerability disclosure and active exploitation, elevating credit and operational risk for banks and large financial institutions. The risk is structural rather than tied to a specific CVE: AI lowers the skill barrier for sophisticated exploit development, shortens the patch-to-exploitation window, and widens the defensive gap for institutions without AI-augmented detection and automated response capabilities.