Fable announces our board-ready human risk reporting.

The hidden multiplier in human risk

Sanny Liao

12/30/2025

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Day 12 of 12 days of riskmas (or, if you prefer, risk-mukah or the non-denominational risk-ivus)

The TL;DR

  • Some risks travel together
  • Measuring the overlap—toxic combinations—lets you see heightened risk
  • Finding and fixing the toxic combinations helps you zap risk efficiently

Not all risk shows up in individualized packages. Sometimes two or more risks travel together, and when they do, they can create toxic combinations. 

We surface this effect in our latest human risk report, where we look at several risk combinations whose co-occurrence is higher than what you’d expect by chance. When the actual overlap divided by the probability of overlap exceeds 1.0, that’s a toxic combination. 

Finding these patterns helps you suss out what risks to tackle first (and how). Money handlers who fall for phishing. Employees with no MFA and sensitive data access. IT admins who reuse passwords. None of these behaviors is rare. What matters is where they cluster.

Traditional security programs miss this because they treat each issue as a separate control gap. One fix here, another there. But eliminating a single weakness doesn’t help much if the surrounding conditions stay the same.

Real progress comes from prioritizing the combinations that multiply exposure. When teams address those first, they reduce risk faster, with less effort.

This concludes our 12 days of riskmas series.

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