About Lowers Risk Group
Comprehensive Enterprise Risk Management Solutions

Lowers Risk Group provides comprehensive enterprise risk management solutions to organizations operating in high-risk, highly-regulated environments and organizations that value risk mitigation.

Our human capital and specialized industry enterprise risk management solutions protect people, brands, and profits from avoidable loss and harm.

With Lowers Risk Group you can expect a strategic, focused approach to risk assessment, compliance, and mitigation to help drive your organization forward with confidence.

Core Values

Maintain our integrity at all times.
LRG is a family.
Under-promise and over-deliver to our clients and each other.
Relentlessly drive value to all clients with passionate client commitment.
Desire to build and maintain long-term, quality relationships.
Maintain a sense of humor and have fun.
Be gracious and caring and of service to others.

Management Team

D. Mark Lowers

Chief Executive Officer

D. Mark Lowers serves as CEO of Lowers Risk Group, a provider of enterprise-wide risk mitigation and loss prevention, employment screening, and data intelligence services through its complementary companies: Lowers & Associates and Lowers Forensics International. Mark is also President of Lowers & Associates, a firm specializing in risk mitigation, international risk management, and loss prevention services that provides services to insurance companies, banks, the cash-in-transit industry, and other financial institutions. He has served in this capacity since 2004.

David Lowers

Board Member, Lowers Risk Group

David is co-founder of Lowers Risk Group and serves on its Board of Directors. Fusing an entrepreneurial spirit with a love of technology, David has helped found numerous companies creating disruptive solutions to modern challenges. His rare combination of strategic vision and intuitive leadership has helped evolve the practice of risk management. Early on, David learned the value of accessibility when building platforms and products. As a small business owner (American Background Information Services, which later became Proforma Screening Solutions), he deployed a simple but effective philosophy: technology should help the end-user focus their time and attention on their core business and customers.

Matthew Lowers

Board Member, Lowers Risk Group

Matthew serves on the Lowers Risk Group Board of Directors. As founder and president of Wholesale Screening Solutions, Matthew led one of the nation’s fastest-growing private companies. A member of the LRG family of companies for over a decade, Wholesale was recently part of a capital acquisition. Matthew joined the new entity, InformData, and currently serves as its President. While at Wholesale, Matthew oversaw day-to-day operations, including human capital, vendor management, process management, and client services. Wholesale 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, serving as a testament to Matthew’s leadership skills.

Paul Harbolick

President, Lowers Risk Group

Paul Harbolick has a broad base of financial management experience. As President at LRG he works extensively with the executive management team on business planning, he is also a certified public accountant. He is a member of the Board of Directors of Inova Health System (IHS), a chairman of the IHS Investment Advisory Committee, and is Chairman of the IHS Audit Committee.

Rachel Franklin

Executive Vice President, Human Resources, Lowers Risk Group

Rachel has over 30 years of human resources leadership experience in the service, manufacturing, and government contracting industries. During her time with Lowers Risk Group, she has led the recruitment efforts to support 350% company growth in the previous 12 months, and implemented HR structure and process. She has held several HR leadership positions, with companies including General Electric and Marriott.

Michael Gaul

Executive Vice President, Strategic Markets, Lowers Risk Group

Michael Gaul, EVP of Strategic Markets, is a results-oriented executive with over three decades of experience in physical security, background screening, and business process management. His extensive expertise in human capital risk management, coupled with his dedication to educating business leaders and HR professionals, underscores his commitment to safeguarding organizational interests. Michael's leadership is further demonstrated through his active roles on the Board of the Secure Cash and Transport Association (SCTA) and as a member of the Professional Background Screening Association (PBSA) and the American Society of Industrial Security (ASIS). His professional journey reflects a passion for creating secure and efficient business environments, making him a trusted advisor in the industry.

Jon D. Groussman J.D.

President, Lowers & Associates Consulting

Jon Groussman is a recognized authority on corporate security management. He leads Lowers Risk Group’s consulting practice to provide a broad range of crime-related consulting, expert witness, and litigation support services to companies and their security and risk management leaders and legal counsel. Jon has consulted with teams at multiple Fortune 100 companies to create corporate risk matrices and implement corresponding security programs designed to reduce risks, including at two of the largest Real Estate Investment Trusts (REIT) in the US. During his career, he has been retained as an expert witness in more than 700 negligent security claims.

Marc Johnson, CPA

President, Lowers Forensics International

Marc Johnson is President of Lowers Forensics International, a globally-recognized financial forensics firm and Lowers Risk Group company. Under Marc’s leadership, Lowers Forensics International is quickly growing its global presence to serve the needs of insurance companies, attorneys, and organizations. In his role as a forensics accounting professional with over 30 years of experience in the industry, Marc has handled files throughout the United States and internationally, involving the evaluation of damages, insurance claim analysis, forensic accounting, and litigation support.

Joe Labrozzi

Chief Security Officer, Lowers Risk Group

Joe is a senior executive accountable for the development and oversight of policies and programs within the organization. He is responsible for the mitigation and/or reduction of compliance, operational, strategic, financial and reputational security risk strategies relating to the protection of people, intellectual assets, and tangible property. Prior to this position, Joe was the Director of Claims & Research for Lowers & Associates, as well as manager of the research and analysis department.

LaDawn Presgraves

Executive Vice President, TPA Services & Audit, Lowers Risk Group

LaDawn Presgraves brings over 30 years of accounting and financial experience to the Lowers Risk Group team. Her diverse background is a culmination of experience gained within the healthcare, manufacturing/remanufacturing, and building component/supply industries. She possesses a BS in Accounting, MBA and is currently licensed as a CPA in the Commonwealth of Virginia.

Joe Scarlato, CFE

Chief Revenue Officer, Lowers Risk Group

Joe Scarlato serves as Chief Revenue Officer for Lowers Risk Group. Joe led the recent launch of the company’s small claims accounting service through the development of its AI-driven modeling software, Stratis™. Joe heads up the company’s global team and brings specific expertise in the Latin American market. In his role as a forensic accountant, Joe has been evaluating economic and financial damages in litigation and insurance for more than 15 years. He is fully bilingual and has served as an expert witness in Spanish and English.

Brian Straightiff

Chief Technology Officer, Lowers Risk Group

Brian is a collaborative and goal-driven IT executive, he excels in solution building, evident through his track record of successful acquisitions. Embracing iterative design, he's guided teams from Codeathon to Lloyd's Lab Accelerator Program, achieving noteworthy Production outcomes. As CTO at Lowers Risk Group, Brian identifies crucial technologies, propelling product enhancement, business growth, and technical objectives. He adeptly oversees operations, leads a high-performance tech team, and drives process efficiency, while his impact extends to LRG's profitability, planning, and growth strategy.

Neil Watson

Managing Director - UK Operations, Lowers Risk Group

As the Managing Director of Lowers Risk Group’s UK Operations, Neil spearheads the company’s expansion initiatives, operational strategies, and cultivates relationships with insurers and their clients. His responsibilities entail overseeing LRG’s comprehensive suite of enterprise risk management solutions. Neil is entrusted with driving growth across all LRG sectors, particularly emphasizing the London and broader insurance markets. Collaborating closely with all subsidiaries of Lowers Risk Group, he endeavors to introduce innovative ventures to the market, tailored to address the evolving needs of clients.

Operational Footprint

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