This chapter systematically explores the characteristics of human factor security and safety behaviors and response strategies in complex and dynamic scenarios in the cyberfinance environment. The chapter points out that traditional financial security technologies are inadequate in facing the high complexity and new types of threats brought by digital transformation. By introducing behavioral simulation technology, it provides new ideas to address internal abnormal behaviors and external malicious attacks. Based on agent modeling and multi-source data fusion, this technology not only dynamically reproduces human behavior logic, but also significantly improves the accuracy and real-time performance of anomaly detection. This chapter analyzes internal human factors risks such as access abuse and data leakage, and external threats such as phishing and DDoS with case studies. It also proposes intelligent, multi-dimensional behavioral computation methods to cope with these problems. Especially in the intersection of psychology, sociology and computer science, the interpretive and flexible nature of behavioral simulation technology provides theoretical and practical support for building an active defense system. In the future, with the further maturation of AI and big data technologies, financial institutions need to pay more attention to the integration of interdisciplinary technologies, the improvement of real-time response capabilities, and the balance between privacy protection and security defense. Through perfect behavioral simulation and prediction mechanisms, potential risks can be effectively prevented, laying the foundation for the stability and sustainable development of the financial ecosystem.