I took the 15 minute phone interview with a member of HR, and it was not what I expected it to be so I want to make sure other people know what to expect! I was expecting a relatively straight forward compentency based interview, as many others on here have said that is what it consists of; however that is not what happened! They will predominantly ask you what you know about Moody's and why you want to work there (not unusual, however for me this was almost the full 15 minutes, so you need to be well read up at this stage already, i.e. have more than 5 minutes worth of material on them!). Unfortunately the official Moody's website for the graduate scheme does not have a lot of details on it about what to expect at each stage so I was relatively unprepared for this as I had relied on other reviews on here, which are possibly outdated.