Who We Are

Periculus is a one-stop-shop created to level the playing field for small business owners who want to keep their data – and their customer’s data – safe from prying eyes.  We are not an IT team.  We are not website designers.  We are experts in helping business owners understand digital risks like ransomware, phishing, and identity theft, the impact these risks can have on your business, and provide specific tools and insurance to manage them. 


We exist to help businesses gain the freedom to be fearless, to grow, and to innovate in the face of digital risk.

Why We Do This

Through collaborative, transparent dialog and a culture of service, the Periculus team and our valued partners envision thriving communities of business owners around the world, ready to seize the opportunity technology and the digital economy provide.  In doing this, we can – and we will together – create more secure, inclusive, and resilient local economies where people, brands, and profits are safe from digital risk.


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

for the business ecosystem that forms the backbone of our economy

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

Our Team

Mark Lowers

Chief Executive Officer 

Mark has dedicated his career to risk management, evolving along with – and often ahead of – the industry. He is an international authority on risk management and is a published, and often cited, author on risk management, mitigation, and security issues.
Mark envisions a future where Periculus, like Lowers Risk Group, uses its unique capabilities to help small businesses grow through a better understanding of their risk profile.

Danielle Kaminski


Danielle represented the interests of business owners in contract disputes, property damage claims, and other insurance-related matters for more than 25 years before joining Periculus. Understanding the small and medium-sized business (SMB) perspective, and the connection between growth and digital risk, she is now on a mission to use enterprise-level resources to level the playing field. She encourages customers to use the knowledge, tools, and protection available through Periculus to gain peace of mind, “Rise Above Risk,” and get back to focusing on what’s important – the growth of their business.

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.

David Lowers

Chief Technology Officer,
Periculus & Lowers Risk Group

David has that rare combination of strategic vision and intuitive leadership that results in disruptive solutions. As a small business owner, he learned the value of accessible technology tools and therefore made sure Periculus used responsive web technologies that work from a desktop or a mobile phone. David’s philosophy is that technology should help the end-user focus their time and attention on their core business and customers. Periculus delivers – removing security concerns through trusted remediation and ongoing security by digital security pros.

Sarah Crabtree

General Counsel

As a leader in the risk industry for over 10 years, Sarah knows that for too long legal and risk management services have been tailored to large corporations. She is passionate about Periculus offering affordable protection to Main Street businesses, and the role she plays in helping defend against bad actors and digital risk for our customers.

Grant Mizel

Director, Data & Analytics

Raised by two small business-owner parents, Grant has witnessed the struggle many face: new digital technology delights customers but comes with risk. Addressing that risk has to be balanced with the revenue needed to keep the business running. He knows that data and analytics from Periculus help provide insights that small business owners can’t get otherwise – to plan, strategize, and sleep better at night. When Main Street thrives, the larger economy grows.

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 customizing mature platforms. His experience has shown him how important it is to translate business processes into software solutions. And that’s just what he’s doing for Periculus, pulling on our deep understanding of our customer’s businesses, environments, and goals to create solutions that drive security and growth.

Bryan Munson

Director, Marketing

Bryan’s previous work with small business owners, franchisees, and independent contractors in the entertainment, food & beverage, non-profit, and purchasing industries brings a diversified understanding of small businesses and their needs to the team. Educating and empowering entrepreneurs to launch their businesses, as well as providing them access new innovations and tools without the constraints of digital risk, is a top priority for Bryan and the Marketing team.

Chief Advisor

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