To help businesses gain the freedom
to thrive in today’s digital economy.


From Main Street to Wall Street and beyond, businesses become thriving
communities by embracing the digital economy and seizing the opportunities
that a secure and resilient ecosystem provides.


We exist to help businesses gain the freedom to be
fearless, grow and innovate by protecting their
brands, people and profits from digital risk.


Transparency through every phase of our process, acting as allies for and partners with our customers

Simplicity in developing and delivering solutions to our clients

Advocacy for the business ecosystem that forms the backbone of our economy

Empathy for the journey business owners are on, and the highs and lows that come with it

Inclusivity in access and equity

Our Team

Tony Sibert

Chief Executive Officer

With over 30 years of proven experience helping global public and private companies, early stage ventures, and government organizations, Tony has served as a team member, leader and founder of several different enterprises from inception to exit across a number of business sectors. His goal is for Periculus to help change the way cyber insurers and service providers look at and approach digital risk management, enabling businesses to realize the amazing benefits of the digital economy while minimizing the risks this ecosystem creates.

Steven Schwartz

Chief Revenue Officer

Fusing together a unique combination of insurance, cybersecurity, and venture capital expertise, Steven has been at the forefront of commercializing the InsurTech industry over the last decade. He believes that by offering robust yet affordable cyber insurance and security solutions all in one location, Periculus can bring transparency to the complex digital world that businesses encounter every day.

Joe Scarlato

Chief Strategy Officer

After selling a start-up at the age of 15 and going on to serve as CFO of a sports apparel company, Joe has spent the last 20 years as a forensic accountant in the insurance industry specializing in Business Interruption insurance. His vision is for Periculus to help small businesses operate like big businesses, giving Main Street the ability to have the protection and awareness of Wall Street.

Grant Mizel

Director, Data & Analytics

Raised by two small business-owner parents, Grant has firsthand knowledge of what a thriving Main Street means to the larger economy. And after years as a forensic accountant and data analyst, he became a product owner and director himself with the launch of the Stratis program. He wants Periculus to disrupt the fear and misinformation that surround cyber risk, so businesses feel safe participating in today’s digital economy.

Head of Product Development

Jim has spent 30 years in the software industry as a developer, project manager, and consultant, leading project teams in developing niche applications and international enterprise software installations for start-ups, and for large companies customizing their mature platforms. As a kid working in his dad’s shoe repair shop, he learned that serving their customers’ needs was the key to a successful business, and knows that rising above risk means business owners can spend their time focusing on exactly that.

Bryan Munson

Director, Marketing

After spending time in the entertainment, food & beverage, non-profit, and purchasing industries, Bryan has brought his marketing skills in leading business development, sales, partnerships, experiential activations and communications planning to help disrupt the insurance industry. He believes Periculus can change the perception of digital risk, and empower current and future generations of entrepreneurs to usher in new ideas and innovations that benefit us all.

Jessica Taylor

Project Manager

With 25 years of leadership experience in the non-profit and service sectors under her belt, Jessica joined Lowers Risk Group first as a research analyst before moving onto client services. She believes Periculus will help business owners move forward with confidence, with the knowledge that protection and risk management are already in place.

Chief Advisors

Mark Lowers

President & Chief Executive Officer, 
Lowers Risk Group
Board Executive

In addition to serving as President and Chief Executive Officer for Lowers Risk Group, Mark is also President of Lowers & Associates, a firm specializing in risk mitigation, international risk management, and loss prevention services for insurance companies, banks, the cash-in-transit industry, and other financial institutions. He has served in this capacity since 2004. Prior to launching Lowers & Associates, Mark served as President and CEO of AMSEC International, a global security organization based in Winchester, Virginia. In his more than two decades as leader of the organization, he oversaw its expansion from a physical security systems installer to a multinational player in risk management.

Matthew Lowers

Founder and President, 
Wholesale Screening Solutions 
Board Executive

As founder and president of Wholesale Screening Solutions, Matthew leads one of the nation’s fastest-growing private companies. He oversees the day to day operations for Wholesale Screening, including human capital, vendor management, process management, and client services. Under his leadership, Wholesale Screening joined Lowers Risk Group in being named to the Inc. 5000 list for seven consecutive years starting in 2014 when the company ranked #1116. In 2016, the company earned its highest ranking at #480, launching into the Inc. 500