Risk Consulting as a Software Platform: A Governed Multi-Agent Architecture for Enterprise Risk Intelligence and Decision Support

This paper presents Risk Consulting as a Software Platform (RCaS), a governed multi-agent architecture for enterprise risk intelligence and decision support in regulated environments. RCaS separates agent autonomy, agency, and authority; constrains unsafe capability combinations through a Capability-Separation Constraint (CSC); and governs institutional memory across episodic, semantic, and procedural knowledge, with runtime identity, scoped authorization, evidence provenance, and Expert-in-the-Loop (EITL) oversight enforced throughout. The paper contributes (1) a governance-by-design architecture integrating these mechanisms into a single operating model for bounded delegation, and (2) observational deployment evidence: the platform was developed and progressively transitioned to production over approximately six months, followed by approximately six months of steady-state production operation across approximately 7,000 enterprise risk assessment workflows, processing 16,500 engineering documents and 2,100 multimodal evidence files with 950 expert-reviewed recommendations. Production observations included ~70% automation of routine advisory activity, up to 90% reduction in assessment delivery time, ~95% document extraction accuracy, two- to three-fold gains in consultant throughput, and 90–97% expert acceptance of recommendations. Because the evaluation was observational and single-organization, results are reported as deployment-associated observations rather than causal or generalizable performance claims.