Stress is considered to be among the leading causes of various psychopathological problems, whose outcomes are often difficult to foresee. In order to prevent consequent maladaptive behaviors, the present paper introduces a novel, three-phase architecture for analyzing the formation, handling and manifestation of stress in individuals. We specifically model the process of transforming stressful stimuli to cognitive schemas, and from these to subconscious defense mechanism manifestations. Such three-phase model has been implemented and validated via the PERSONA-80 test. Psychometric properties of PERSONA-80 have been evaluated on a sample of 83 individuals from general and clinical populations. The test showed good internal consistency and excellent predictive validity results, from which we derived the purified scale PERSONA-16. The potential of the developed instrument is the detection of the inability to produce mature defense mechanisms from an arbitrary state of mind, or the inability to preserve schemas when exposed to stressful conditions, useful in high-stress occupation screening and monitoring. To encourage widespread use and validation in different domains, we provide at the end of this text the complete PERSONA-16 instrument.