Resources

White Papers

Occupational Fraud: A Hidden Killer of Organizational Performance

Gain an in-depth look at the complexities of occupational fraud, so you can prevent, detect, minimize, and/or recover from it.

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Anti-Money Laundering: Know Your Customer

This whitepaper covers key topics and guidelines relevant to BSA/AML compliance, including the 5 main areas of an AML compliance program.

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Social Engineering Fraud: Loss Prevention & Control Guidelines

This white paper covers the fundamentals of social engineering and provides the necessary tools for preventing loss within your organization.

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Security & Collaboration in the Cash Management Industry

In this paper, Lowers Risk Group outlines the CIT system and the cash management industry, identifying key vulnerabilities, and highlighting controls for some of these risks.

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Banking Audit: A New World

Additional levels of oversight within the financial institution and third party service providers of financial institutions have emerged since the financial crisis of 2008. This paper looks at changes to the regulations that are impacting the armored carrier industry and the financial institutions that work with them.

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People: At the Epicenter of Risk

Considering most risks start and end with people, human capital risk is a significant part of the Enterprise Risk Management puzzle. The actions of individuals can threaten an organization by creating liabilities or exposing it to unnecessary losses.

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A Case for Transparency: For Financial Institutions and Insurers

Financial institutions and insurers experience significant losses which create a need for reform in the financial industry as it pertains to the use of vendors for outsourcing various cash handling activities.Typical problem areas and weaknesses are revealed.

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ATM Fraud: An Internal Viewpoint

There are three conditions that are present when fraud occurs: Opportunity, Incentive, and Rationalization. The information contained in these papers demonstrates examples of vulnerabilities and how applying essential controls can significantly reduce the risk of fraud.

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Auditing Fraud: Hidden Dangers in Every Transaction

Detecting Fraud Through Auditing - A discussion of the key auditing areas, potential weaknesses, and tools available to detect fraud through the audit function.

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Auto Dealerships: A Multi-Faceted Approach to Risk

Now, more than ever, dealers can ill afford to make the wrong decisions when it comes to risk, decisions that ultimately affect their employees, their business, and their customers. This whitepaper provides methods for auto dealerships to properly assess and mitigate risk.

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Billing Schemes: Purchasing & Accounts Payable Fraud

Managing Checks, Balances, and Weaknesses - An extensive study into the payables/receivable functions, including a description of typical processes, vulnerabilities, essential controls, and compensatory measures needed to reduce this key risk.

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Employee Theft in the Casino & Gaming Industry

An increased potential for employee crime including fraud, embezzlement, and extortion especially for the casino and gaming industry which continues to expand through difficult economic times. This whitepaper examines the domestic casino and gaming industry current standing, where it's headed, and the validity behind concerns of employee crime.

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Forces at Work: Trends Impacting HR's Role in ERM

This 21-page whitepaper was inspired by a recent Deloitte report which recognized a critical, dual imperative that HR organizations currently face–enabling their organizations to grow and driving efficiency in the business of HR.

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Payroll Fraud: Hidden Dangers in Every Transaction

Securing the Employment Process - A description of typical processes and vulnerabilities that may exist, and compensatory measures that should be taken to reduce the risk of payroll fraud.

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Inventory, Shipping, and Receiving Fraud: Hidden Dangers in Every Transaction

Managing the Risk of Theft - A discussion of typical schemes, preferred processes, and essential controls that should be in place to reduce the risk of inventory fraud.

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Wire Transfer Fraud: Hidden Dangers in Every Transaction

Managing Electronic Funds Transfer (EFT) Networks - An extensive study into wire transfer processes, including a description of typical processes, vulnerabilities, essential controls, and compensatory measures needed to reduce this key risk.

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Human Capital Risk: The Critical Role of HR Threat Assessments

This whitepaper will help you understand the vital role of HR threat assessments and give you guidance on how to help keep unknown risks from damaging your people, brands, and profits.

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3 Key Components of an Effective Healthcare Security Program

In this whitepaper, we take an in-depth look at how today's healthcare security strategies can keep pace with today's dynamic challenges.

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Guides

Managing the Risks of Your Extended Workforce

While an extended workforce can offer many benefits, it also brings clear risks that many organizations unfortunately fail to properly manage.

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10 Facts About Fraud

In this visual guide we highlight 10 facts about fraud from the ACFE’s 2014 report and offer tips to help your organization develop an effective fraud prevention program.

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Presentations

A Realistic Look at the Active Shooter Situation

Learn more about the incidents and the perpetrators of active assailant incidents as well as the steps to being as prepared as possible.

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Human Capital Risk

In this economy, companies cannot afford to hire the wrong people or run a non-compliant screening program. This presentation offers strategies for managing human capital risks while you drive compliance, enhance workplace safety, increase productivity, boost overall organizational performance, and reduce occupational fraud.

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Occupational Fraud Management & Crime Insurance

If your organization has crime exposures, you need to understand occupational fraud and the methods proven to mitigate it.

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Infographics

[Infographic] Your Hospital Security Program – A 3-Pronged Approach

In our latest infographic we examine three primary components of healthcare security’s best practices designed to meet today’s tough requirements: a strong presence, complete visibility, and a prompt, thorough response.

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[Infographic] Social Engineering Fraud: Exploiting the Instinct to Trust

Start developing a social engineering fraud mitigation program with these facts.

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Active Assailant Incident Management

Learn about the unlikely but devastating problem, including some insight into an assailant and a typical incident, and what to do to predict, prevent, and respond if a shooting occurs.

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Workplace Violence Prevention: What You Need to Know to Build a Safer Workplace

Learn how to recognize the stages of workplace violence and the components of an effective prevention program.

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Anti-Money Laundering: Safeguarding the Banking System from Financial Crime

Our latest infographic highlights the typical 3-step money laundering cycle and outlines key components of an effective anti-money laundering program.

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5 Critical Areas of Human Capital Risk

This infographic summarizes each area of human capital risk and offers tips to help organizations better manage them.

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The Hidden Risks of Occupational Fraud

The hidden risk of occupational fraud can make it seem like you can’t trust anyone you work with. The truth is that proactive fraud prevention tactics you employ to prevent losses can also help preserve an open, trusting work environment.

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Fraud Triangle Infographic

Our latest infographic summarizes the factors that must be present for fraud to occur, and gives you a few ideas about how to combat it.

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Press Releases

Healthcare Security Expert, Ben Scaglione, to Speak at Physical Security Industry Event, ISC West

The Lowers & Associates Healthcare Security and Safety Leader will Present Workshop and Session on Dealing with Today’s Active Shooters and Securing Healthcare in the 21st Century. Attendees Can Earn Continuing Education Credits.

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Neil Watson Joins the Lowers & Associates Team

Watson, an experienced professional in the insurance industry, brings various relationships and management expertise to the Lowers & Associates team, and will assist with Fine Art, Jewellry, and Specie risk mitigation services offered to the market.

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Bob Greene Joins the Lowers & Associates team as the Vice President of Sales

Greene, a strategic senior executive, brings international leadership and business advancement strategies to the Lowers & Associates team.

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Lowers and Associates Appoints Ben Scaglione as Healthcare Security and Safety Leader

Scaglione, a recognized expert in healthcare security, brings strategic leadership to the enterprise risk management practice of Lowers and Associates.

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eNewsletters

January 2016: Fidelity / Crime Observer

Inside this issue, Not If But When: How to Avoid Becoming the Next Target of FinCEN AML Enforcement, 16 Fraud Facts to Fuel Your 2016 Prevention Planning, and more!

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February 2016: The Casino Shield

This issues features How to Avoid Becoming the Next Target of FinCEN AML Enforcement, 16 Fraud Fact to Fuel Your 2016 Prevention Planning and more tips to mitigate risk for the casino & gaming industry.

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December 2015: Fidelity / Crime Observer

Inside this issue, a story about embezzlement, insights into cyber security, how to hire ex-offenders, and more!

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October 2015: Native American Insider

This issue focuses on fidelity loss, cyber security, hiring ex-offenders, and other tips to mitigate risk for the casino & gaming industry.

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October 2015: The Casino Shield

This issues features information on fidelity loss, blogs from Lowers Risk Group and Proforma Screening Solutions, and more tips to mitigate risk for the casino & gaming industry.

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July 2015: Fidelity / Crime Observer

Inside this issue, "Local Library Loses More Than Late Fees", "Social Engineering Fraud: Loss Prevention & Control Guidelines", and more!

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July 2015: Native American Insider

This issue focuses on employee theft, social engineering fraud, quick facts on the Great American Insurance market, and other tips to mitigate risk for the casino & gaming industry.

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July 2015: The Casino Shield

This issues features information on employee theft, whitepaper - "Social Engineering Fraud: Loss Prevention & Control Guidelines", and more tips to mitigate risk for the casino & gaming industry.

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April 2015: Native American Insider

In this issue of the Native American Insider features an article on the importance in implementing separate controls for all banking procedures, whitepaper - "Banking Audit: A New World", and more tips to mitigate risk for the casino & gaming industry.

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April 2015: The Casino Shield

This issue of The Casino Shield features a whitepaper, "Banking Audit: A New World", and more tips to mitigate risk in the casino & gaming industry.

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April 2015: Fidelity / Crime Observer

Inside this issue: The Fraud Triangle, whitepaper - "Banking Audit: A New World", and other tips to mitigate risk for the insurance industry.

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October 2014: The Casino Shield

This issue of The Casino Shield features, "Collusion: A serious Threat to Casinos", "Who are the Fraudsters in Your Organization?" and "Latest Findings on Red Flag Employee Behaviors".

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October 2014: Native American Insider

In this issue of the Native American Insider, "Keeping Foodborne Illness at Bay", "Collusion: A Serious Threat to Casinos", "Who are the Fraudsters in Your Organization?" and "Red Flag Employee Behaviors".

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July 2014: Fidelity / Crime Observer

Inside this Issue: "Vow of Poverty, Life of Luxury", "Are You Doing Enough To Protect Against Financial Fraud", "How Are You Handling This Year's Emerging Risks", and more.

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July 2014: Native American Insider

In this issue of the Native American Insider, "Controlling Losses in Vacant Buildings", "Think Theft Can't Happen At Your Casino? Think Again!", "Are You Doing Enough To Prevent Against Financial Fraud", and much more.

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July 2014: The Casino Shield

This issue features a list of this year's emerging risks, tips for protecting against financial fraud, news headlines associated with losses in the gaming industry, and much more.

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April 2014: Native American Insider

"Understanding and Avoiding Cybercrime", "Taking Advantage of Trust", "How You Can Cut Your Organization's Risk of Fraud", and more, all in this issue of the Native American Insider.

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April 2014: The Casino Shield

This issue of The Casino Shield features several articles including, "Taking Advantage of Trust", "How You Can Cut Your Organization's Risk Of Fraud by 50%", and "Should Patron Have To Pay $500,000 Casino Debt?"

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April 2014: Fidelity / Crime Observer

This issue of the Fidelity / Crime Observer includes four stories featuring "How You Can Cut Your Organization's Fraud", "The Fraud Triangle Model", RIMS Annual Conference & Exhibition, and more.

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January 2014: Fidelity / Crime Observer

Inside this Issue: Leave it to the Manager, We All Practice Due Diligence, ATMIA U.S. Conference

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January 2014: The Casino Shield

The California Heist, Due Diligence, and News: Borgata Ends Fake Chip-Tainted NJ Poker Match.

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January 2014: Native American Insider

This issue focuses on workplace violence and measures to minimize its occurrence, the California Heist, and an article which points out ways we all practice due diligence.

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November 2013: Fidelity / Crime Observer

This issue offers five news stories including an article identifying 5 Key Components of a Fraud Risk Management Policy and special spotlight on Fraud Awareness week.

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October 2013: Native American Insider

This issue offers the latest debit card fraud prevention technology, a new regulatory update to Hazard Communications Standards, and more casino & gaming industry related news.

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October 2013: The Casino Shield

This issue features the latest news on debit card fraud technology, new statistics on the growth of casinos and its effect on the gambling industry, and more tips to mitigate risk in the casino & gaming industry.

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5 Methods to Manage Today’s Healthcare Security Environment [SlideShare]
May 31, 2017
Healthcare security professionals today are directly impacted by the reality of a...

What the Future Holds for the Healthcare Security Practitioner [SlideShare]
May 4, 2017
The healthcare security practitioner is confronted by an alarming level of violence...

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Attempted Robbery Ambush at ATM, Lake Charles, LA
May 3, 2017
An armed suspect ambushed an armored car guard while they were servicing an ATM, but fled the scene empty-handed when the guard refused to open the ATM’s locked safe.

Driver Rams Armored Truck in Armed Robbery, Houston, TX
April 28, 2017
A suspect rammed a stolen vehicle into an armored truck and fired shots into its windshield during a robbery in southwest Houston.

Suspects Armed with Semi-Auto Rifles Rob Armored Car, Washington, DC
April 19, 2017
An armored car guard was ambushed in Washington, DC by two suspects armed with apparent AK-47 style semi-automatic rifles. No injuries were reported, but the suspects fled the scene with an undetermined amount of cash.

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