Abstract: A computer-based system for managing risk among a plurality of accounts, each account having an associated account exposure, has a means for submitting a transaction to a selected account of a plurality of related accounts and a monitoring means, responsive to the submitting means, for determining a combined exposure of the plurality of related accounts associated with the selected account that would result from the submission of a transaction. A means, responsive to the monitoring means, is provided for authorizing the transaction when the combined exposure determined by the monitoring means is less than a first predetermined limit and for denying a submitted transaction when the combined exposure would exceed the first predetermined limit if the transaction were to be authorized. A means is provided for alerting a first officer when the combined exposure determined by the monitoring means would exceed a second predetermined limit if the transaction were to be authorized.