Software as a service (SAAS) services featuring software for automated employee security risk assessment, risk profile algorithm generation, and human layer cybersecurity risk management; SAAS services featuring machine learning algorithms for adaptive, individualized security awareness training and the dynamic calculation, improvement, monitoring, and visualization of individual employee cyber risk scores and security risk ratings, contributing to the creation and comprehension of a 'Credit Score' for Employee Risk; Provision of temporary use of non-downloadable cloud-based software, leveraging machine learning for the automated collection, analysis, and interpretation of behavioral data to ascertain cybersecurity risk and generate unique, individualized employee risk credit scores; Computer security consultancy services, including consultation in the field of data-driven, human-centric security strategies, automated employee security risk assessment and management, and the deployment of personalized cyber risk reduction training modules; Provision of software and platforms enabling data portability across different companies and sectors, with an emphasis on ensuring the confidentiality and privacy of individual user data, and the secure and ethical utilization of employee risk credit scores