Financial Exposure Engine
Quantifies cyber & operational loss across every business service — Revenue at Risk, Downtime, Recovery, Regulatory, Reputational, and Insurance offset — using probabilistic single-event and annualized loss models.
Monte-Carlo · 10k iterations
8 services modeled
Gross Financial Exposure
$182.1M
Σ single-event loss before insurance
Net Exposure
$30.5M
Insurance offset $151.6M of $290.0M limit
Annualized Loss Expectancy
$45.6M
Σ (SLE × ARO) across portfolio
Severity Multiplier
1.0×
Drag to model headline-grade event
Exposure composition
By loss category (severity 1.0×)
Revenue at Risk$0.99M
Downtime Cost$39.3M
Recovery Cost$27.2M
Regulatory Penalty$88.6M
Reputation Impact$26.0M
Insurance offset$-151.61M
Scenario cost models
Portfolio-wide projected loss across severity bands
Localized incident
$30.3M
severity 0.4×
Single-service outage
$30.5M
severity 0.8×
Tier-0 ransomware
$30.5M
severity 1.4×
Regional cloud failure
$30.5M
severity 1.8×
Catastrophic supply chain
$49.6M
severity 2.4×
Exposure by service tier
Service exposure ledger
Click a row to inspect scenario cost model
| Service | Tier | Rev / yr | P(event) | Recovery | SLE | ALE | Net |
|---|---|---|---|---|---|---|---|
| Payment Authorization | Tier 0 | $1240.0M | 31% | 2.8h | $59.4M | $18.4M | $10.0M |
| Online Banking | Tier 0 | $820.0M | 22% | 3.5h | $29.3M | $6.46M | $5.00M |
| Treasury Settlement | Tier 0 | $980.0M | 18% | 1.6h | $34.1M | $6.13M | $5.00M |
| Identity Provider | Tier 0 | $0.00M | 16% | 1.1h | $31.6M | $5.06M | $5.00M |
| Customer Portal | Tier 1 | $310.0M | 28% | 4.2h | $6.81M | $1.91M | $2.00M |
| Claims Processing | Tier 1 | $460.0M | 36% | 9.4h | $17.7M | $6.37M | $2.00M |
| Data Warehouse | Tier 2 | $140.0M | 41% | 26.0h | $2.48M | $1.02M | $1.00M |
| Email Gateway | Tier 2 | $60.0M | 44% | 7.0h | $0.64M | $0.28M | $0.50M |
Scenario cost model · Payment Authorization
Payments · Tier 0 · RTO 0.08h · expected recovery 2.8h
Net loss $10.0M
Revenue at Risk
$0.35M
88% of $1240.0M attributable revenue
Downtime Cost
$11.5M
$4.10M / hour operational
Recovery Cost
$8.68M
Forensics, IR, infra rebuild
Regulatory Penalty
$28.0M
GDPR / DORA / PCI breach-of-SLA fine
Reputation Impact
$10.9M
Brand erosion vs. attributable revenue
Insurance Offset
$-49.42M
$75.0M limit · $10.0M deductible
Single-Event Loss (SLE)
$59.4M
Revenue + Downtime + Recovery + Penalty + Reputation
Annualized Loss (ALE)
$18.4M
SLE × ARO (31%)
Net Exposure
$10.0M
SLE − min(limit, max(0, gross − deductible))