.svg)
Hosted by
Karin Keller-Sutter
Federal Councillor & Head of the Federal Department of Finance, Switzerland
Dr. Joseph Breeden
Chief Executive Officer
CALM XAI
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.
Speaking at
-
12:00–1:30pmThu 25 JunGFTN InsightsRoundtable Room 3, Ground FloorOpen
Roadmap for AI and Quantum
Governing AI Applications in Financial Services
-
André VellozoChief Executive OfficerDrumwave
-
Eva Selamlar-LeutholdCo-CEO / ChairwomanThink&Do Tank for Financial Innovation / KYC Spider
-
Fred SunHead of EuropeTencent Cloud International
-
Isabelle RocciaManaging Director, EuropeIAPP
-
Dr. Joseph BreedenChief Executive OfficerCALM XAI
-
Konstantin KotullaFounderPorters
-
Dr. Nino LandererDeputy Director General Strategy & InnovationDeutsche Bundesbank
-
Thiébaut MeyerDirector, Office of the CISOGoogle Cloud
-
Prof. Chia Tek YewAdjunct ProfessorNUS - Asian Institute of Digital FinanceModerator
About this session
From autonomous agents to the management of LLM and other generative AI technologies, artificial intelligence disrupts conventional understandings of data governance, particularly within financial services. This disruption is engendering new trade-offs that policymakers, regulators, and financial institutions have to grapple with, including:
- Reducing digital dependencies vs engaging the realities of a borderless market
- Preserving stability and building internal capabilities while optimising for speed and innovation
- Managing regulatory divergence without sacrificing operational coherence across markets
As AI agents become increasingly empowered to execute transactions on behalf of individuals and businesses, and institutions become increasingly reliant on models developed by a concentrated pool of Big Tech players, how can governments, financial infrastructure operators, and financial institutions balance competing objectives? This session aims to develop a set of principles for governing the use of AI and data within financial services, capturing insights from across the ecosystem.
-
