How It Works

From risk appetite to intelligent action in three integrated layers

Three-Layer Architecture

RiskMetrica operates through three integrated layers that work seamlessly together

1

Governance Layer: Risk Appetite

Board-approved risk appetite statements are translated into machine-readable rules that define what actions AI agents can and cannot take. This creates dynamic governance guardrails that adapt to changing risk conditions.

Board Defines

Risk appetite statements approved at board level

System Translates

Converted to executable rules and tolerances

Agents Enforce

Real-time enforcement of approved boundaries

2

Intelligence Layer: Decision Intelligence

AI-powered decision intelligence learns from every risk decision to provide increasingly accurate predictive guidance. Machine learning models continuously improve as they process more risk events and outcomes.

Continuous Learning

Models improve with every risk decision

Pattern Recognition

Identifies emerging risks before materialisation

Predictive Scoring

Forecasts probability and impact of risk events

3

Execution Layer: AI Agents

Six categories of AI agents execute risk management tasks at machine speed, operating within the boundaries set by risk appetite and guided by decision intelligence. Each agent category specialises in a specific domain.

Autonomous Action

Execute approved decisions in milliseconds

Human Oversight

Escalate edge cases to human decision-makers

Audit Trail

Complete record of all agent actions and reasoning

How the Layers Connect

Each layer feeds into the next, creating a continuous cycle of governance, intelligence, and execution

Risk Appetite
via Governance Rules
Decision Intelligence

Constrains

Board-approved risk appetite defines the boundaries within which decision intelligence operates, ensuring all predictions and recommendations comply with strategic risk tolerance.

Decision Intelligence
via Predictive Guidance
AI Agents

Guides

Decision intelligence provides predictive risk scores and recommended actions that guide AI agents, improving decision quality while maintaining governance compliance.

AI Agents
via Performance Data
Risk Appetite

Informs

Agent actions and outcomes generate data that informs future risk appetite refinement, creating a continuous feedback loop for governance improvement.

Six Agent Categories

Specialised agents for every domain of enterprise risk management

Risk Appetite Agents

Monitor compliance with risk appetite statements in real-time

Culture Analytics Agents

Detect behavioural patterns that indicate cultural risk

Decision Intelligence Agents

Learn from risk decisions to improve future predictions

Compliance Agents

Automate regulatory reporting and breach detection

Predictive Analytics Agents

Forecast risk events using statistical and ML models

AI Assurance Agents

Ensure all AI operates ethically and transparently

See How It Works in Practice

Request a demonstration to see the three-layer architecture in action