Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for grouping a plurality of resources into a plurality of cohorts, wherein each of the plurality of resources is associated with a risk level and a benefit level, and resources in each cohort share the same risk level and the same benefit level; obtaining a plurality of provider-level adjustments; constructing an optimization model for determining a resource flow solution; and according to the plurality of cohort-provider-level adjustments, identifying one or more resources in each of the plurality of cohorts that are provided by a first provider to be transferred to a second provider; and automatically sending one or more requests to the first provider and the second provider to transfer the determined one or more first resources from the first provider to the second provider.