About Breach Clarity

Helping identity-holders understand what a data breach means to their risk, so they can take action to protect themselves from identity theft and other harms.

Who created Breach Clarity?

My name is Jim Van Dyke, CEO of Breach Clarity, and I created Breach Clarity to improve consumer safety following any data compromise. Breach Clarity is a dynamic and comprehensive algorithm that matches exposed identity credentials to a wide variety of potential identity theft or fraud crimes, in order to change behavior through a better understanding of risk. Breach Clarity runs on the industry’s best database of all reported data breaches that is maintained by our partner, the Identity Theft Resource Center (ITRC). The idea for creating Breach Clarity came to me while working as a legal expert witness on large US data breaches. I formerly volunteered as a board member on the Consumer Financial Protection Bureau (‘CFPB’, a federal watchdog agency focused on banks) and I am now on the board of the ITRC. 

How does Breach Clarity work?

Data breaches expose particular forms of private data (for instance, a nine-digit Social Security number or the verification code printed on a payment card) that make it easier for anyone to conduct certain transactions. Breach Clarity’s algorithms access publicly-available information (generally required by state district attorneys) about the kinds of personal data that any data breach likely exposed. The algorithms estimate the personal action steps that are likely to be most effective against the top predicted harms, along with an overall rating of the potential severity of the breach, similar to the Richter Scale used in earthquakes or the Saffir-Simpson hurricane wind scale. The understanding of what identity credentials are most powerful in any particular type of identity crime comes from both years of prior research and ongoing interviews with experts in fraud mitigation, digital commerce, law enforcement, and more. Unlike risk-assessment methods applied to previous natural disasters that occurred in the past, Breach Clarity’s evolving algorithms might cause scores or other outputs to change over time. Breach Clarity’s value will evolve as our algorithm, features, and industry partnerships evolve.

For a description of the risks and actions currently in Breach Clarity, click on the Resources menu tab. If you’re interested in partnering to make Breach Clarity even better, please contact us. 

Will Breach Clarity be expanded in the future? 

Yes, and in fact we’re now hard at work on detailed product-expansion roadmaps for a future premium version, to be licensed to financial institutions for use only by their logged-in customers, members, or employees.  On the long list of future features to be considering, the ability to also integrate or modify capabilities such as financial transaction alerts or transaction dollar limits are certainly interesting. The increased amount of dark web data that’s being found on an individual basis is also of high interest, along with the ability to conduct big-data studies of how private information from one particular breach is suddenly becoming used to commit fraud (and as a result, to notify others about emerging risks before they become victims as well). The next step is to process the post-launch reaction from my trusted and respected peers who also work on the front-lines of fraud prevention and digital financial technology (“fintech”).  

How does Breach Clarity make money? 

We are now in discussion with several financial services firms about licensing Breach Clarity, in order to make advanced versions available to both their customers and dedicated fraud  mitigation professionals. We are also pursuing other commercial opportunities  such as sponsorship or ads on the free site. If you have an interest in partnering with us, please reach out.