Dr. Joseph Breeden

Dr. Breeden founded CALM XAI (Concept-Aligned Language Models for eXplainable AI) in 2025 to solve the problem of explainability and governance in language models. The CALM approach replaces guardrails and stops jailbreaks by compiling governance rules as direct overlays within the LLM's reasoning pipeline. This is made possible by a dramatically new approach to tokenization and conceptual alignment throughout. This has led to 15 patent filings and multiple research papers, so far.

Dr. Breeden has founded or co-founded Prediction Company (1991), Strategic Analytics (1999), and Deep Future Analytics (2011). He is a member of the board of directors of Upgrade, a San Francisco-based FinTech; an Associate Editor for AI and Ethics, the Journal of Credit Risk, the Journal of Risk Model Validation; and President of the Model Risk Managers’ International Association (mrmia.org).

Dr. Breeden invented vintage analytics for lending in 1997 and created credit risk models through multiple global financial crises. In 2018 Dr. Breeden invented Multihorizon Survival modeling, combining vintage analytics with behavior scoring using logistic regression or machine learning.

Dr. Breeden earned a Ph.D. in physics, and has published over 100 academic articles, 23 patents, and 8 books.