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Objectives-first risk management

Enterprise Risk Management, made simple.

Start with objectives.Discover what matters.Turn insight into action.

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We show ERMflow on a live call, with an example close to your business.

One line of sightExample
  1. OrganisationLarkfield Payments, card acquirer
  2. ObjectiveKeep card authorisations available 99.95% of the time
    On track
  3. ProcessCard transaction authorisation
    Core
  4. ResourceCorvel Processing, our only card processor
  5. RiskProcessor outage stops card authorisations
    Act now
  6. DecisionContract a second processor
    Decided

Why it matters

Risk management should move the business forward.

The problem

A box-ticking exercise

Too many companies treat risk management as a box-ticking hassle or an isolated paperwork exercise. That creates gaps, slows teams down, and leaves vital areas exposed.

Our solution

Connected to your goals

We connect risk management directly to your business goals. So instead of being a burden, it becomes a strength — helping you move faster, protect what matters, and grow confidently.

How it works

Six plain questions, one connected picture.

Answer one question at a time, or paste the lists you already have. Every answer links to the ones before it, so each action traces back to the objective it protects.

  1. 1OrganisationWho are we, who do we serve, and where?

    What you do, your markets and units, and the rules that apply to you.

  2. 2Business objectivesWhat are we trying to achieve?

    What success means, how it is measured, and the worst result you could still accept.

  3. 3ProcessesWhat must work to achieve it?

    The processes your objectives depend on, and how critical each one is.

  4. 4ResourcesWhat do those processes rely on?

    People, systems, data, suppliers and service providers, sites, funding and licences.

  5. 5RisksWhat could stop success, or improve it?

    Threats and opportunities, each assessed for likelihood and impact.

  6. 6Decisions and actionsWhat will we do, and who owns it?

    See what matters most and where you are fragile, then decide and act.

What makes it different

A decision tool, not a register.

Business first

Objectives, processes and the resources they rely on come before any risk scoring, so every risk is tied to something the business cares about.

Upside counts

Every question asks about opportunities as well as threats. Looking only at the downside misses half the decisions.

Decisions, not paperwork

Each decision and action has an owner, a date and a way to know it is working, and stays linked to what it protects.

Always current

Assessments carry their date. Anything due for review, off track or without a response is flagged, with the reason.

Built on recognised practice

Simple to use. Serious underneath.

ERMflow is designed around the leading frameworks for risk management and business continuity, so what your teams record holds up with boards, auditors and regulators.

COSO ERM ISO 31000 ISO 22301 BCI Good Practice Guidelines EBA guidelines DORA

For EU financial entities, ERMflow recognises when DORA and the EBA third-party guidelines apply. ERMflow is independent and is not endorsed by the organisations behind these frameworks.

Questions

Frequently asked questions.

What is ERMflow?

ERMflow is enterprise risk management software that starts from your business objectives. It guides you through six plain questions, from your organisation to your decisions and actions, and links every answer to the ones before it.

What does objectives-first mean?

You start with what the business is trying to achieve, then map the processes and resources those objectives rely on, and only then look at risks. Every risk, decision and action traces back to an objective, so you can see what matters most.

Who is it for?

Leadership teams, department heads, process owners and strategy teams, with risk professionals overseeing the whole picture. Our first focus is payment institutions and other regulated financial firms in the EU.

Does ERMflow help with DORA?

Yes. For EU financial entities, ERMflow recognises when DORA and the EBA guidelines apply. It helps you identify critical or important functions, run a business impact analysis with recovery times, and keep a record of the ICT and other third-party providers you rely on.

Which standards is it based on?

COSO ERM, ISO 31000, ISO 22301, the BCI Good Practice Guidelines, the EBA guidelines and DORA. ERMflow is independent and is not endorsed by the organisations behind these frameworks.

Where is my data stored?

In a file, in a folder your company chooses, such as your secure company cloud folder. ERMflow saves it automatically and keeps a daily backup. We do not keep a copy on our servers.

How do I sign in?

With your Google or Microsoft account, or a one-time code sent to your email. ERMflow never stores passwords, and access is by invitation only.

How can I see it?

We show ERMflow on a live call, using an example close to your business. Email hello@ermflow.com to book a demo.

See your own line of sight.

For leadership teams, department heads, process owners and strategy teams, with risk professionals overseeing the whole picture.

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