1. A computerized apparatus for managing risk associated with earnings estimates for a company, the apparatus comprising: a computer server comprising a processor and a digital storage and accessible with a system access device via a communications network; and executable software stored on the computer server and executable on demand, the executable software operative with the processor to cause the computer server to: receive into the digital storage data descriptive of multiple earnings estimates, each earnings estimate generated by a respective bank; receive into the digital storage data indicative of one or more business relationships comprising a bank and the company; generate a first consensus estimate excluding earnings estimates received from the bank with the data indicative of one or more business relationships with the company; and generate a suggested action based upon the first consensus estimate and the second consensus estimate.