Systems and methods are configured to perform machine-learning-based predictive behavioral response. In various embodiments, one or more behavioral monitoring data objects are identified and processed using a behavioral pattern prediction machine learning model to generate a behavioral pattern prediction model. The behavioral pattern prediction model is processed using a risk generation machine learning model to generate a risk model, wherein: (i) the risk generation machine learning model is generated based at least in part by one or more risk factors, and (ii) the risk model comprises a per-risk factor score for each risk factor of the one or more risk factors. The risk model is processed using an adjustment generation machine learning model to generate an adjustment model and one or more prediction-based actions are performed based on the adjustment model.