• Cash-In-Transit

    Since 1980, the staff at Lowers & Associates has been involved in the evaluation of, and consultation with, armored car companies around the world.

    These evaluations have been on behalf of insurers as well as the owners of armored car companies. The company has earned world-wide acknowledgment of the leadership role it provides in this critical area of the financial services market.

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  • Financial Institutions

    Through our long history of serving the Cash-in-Transit (CIT) industry, L&A has developed key partnerships within the Banking industry.  In addition to banks, credit unions, and CIT operators, L&A serves a wide range of other financial services firms such as ATM Operators, Check Cashers, Payday Loan Companies, and Pawnbrokers.  From Enterprise Risk Assessments (ERAs) to Loss Prevention/Control Programs, our risk mitigation offering includes a wide range of services.

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  • Casinos & Gaming

    Casinos offer patrons the chance to win big at the tables or the slot machines. But casinos can’t afford to gamble on their own security.  To take chance out of the equation, L&A has designed risk assessment surveys specifically for casinos and other gaming operations.

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  • Events & Venues

    We offer professional event security for entertainment and sporting events. These services include single or periodic events at fixed sites or traveling shows or exhibits.

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  • Legal

    We have the capability to conduct international investigations throughout Europe and Central and South America. By utilizing experienced independent investigators strategically located in the United Kingdom, Central and South America, and throughout the United States, L&A investigators are immediately accessible.

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  • ATMs

    The staff at Lowers & Associates has provided consulting services to ATM manufacturers, first-line maintenance (FLM) service providers, "white label" ATM owners, and ATM cash replenishers since 1988.

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  • Cyber Risk

    Cyber risk has become one of the most significant corporate threats, according to a survey of 218 senior risk managers by the economist intelligence unit. L&A provides the services that can help you to mitigate those risks.

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  • Insurance

    When insurers remove or defray risk, they fuel the engine of the economy.  That fuel runs low, or becomes cost-prohibitive, however, when fraud robs insurers and makes them skittish to assume new risks, or mounting claims within an industry it causes them concern about continuing to cover existing risks.

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Protecting People

Effective risk management is central to protecting the health and safety of people. From hiring the right people to work alongside existing staff, to avoiding catastrophic events, we put people first.

Protecting Brands

Public perception of a brand and its values can rise and fall according to the way an organization handles and avoids risk. We view risk management as an essential part of building and protecting brand value.

Protecting Profits

Failing to manage risks puts people and brands in danger; it also risks the financial well-being of an organization. Our professionals get to the sources and causes of risk to protect your profits.

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Armored Crime Report

Armed Suspects Rob Armored Truck Outside Chase Bank; Long Beach, CA
February 19, 2025
A suspect armed with a rifle and wearing a ski mask and military-style fatigues held a Brinks driver at gunpoint outside of a Chase Bank branch and stole an undisclosed sum of cash before fleeing the scene.

Two Teens Arrested in Connection to Violent Armored Car Robberies; Houston, Texas
February 19, 2025
Two 17-year-olds have been arrested and charged with aggravated robbery and organized crime. Authorities believe that they were involved in a December 20, 2024, attack on an armored truck outside of a grocery store. Officials with FBI Houston dubbed the suspects in that attack the ‘Scrooge Sprayers’ because they sprayed the truck courier in the face with an unknown substance to debilitate him during the attack. Both suspects are also connected to a January 23 bank heist in West Houston which led to their arrests.

Three Suspects Rob Armored Truck on Valentine’s Day; Memphis, TN
February 14, 2025
The robbery was captured on the guard’s body-worn camera which shows three masked suspects armed with assault-style rifles ambush the guard during service of a bank ATM. The suspects pulled cash cassettes from the open ATM before fleeing the scene.

The Risk Management Blog

Don’t Let “It’ll Never Happen to Us” Be Your Business’s Famous Last Words
November 20, 2024
In today’s rapidly evolving fraud landscape, complacency is a costly gamble. Those...

Why Fraud Prevention Always Matters
November 18, 2024
Despite the prevalence of organizational fraud and its well-documented costs, businesses both...

Discover the Power of L&A’s LIVE: Your All-in-One Learning Management System
October 29, 2024
In today’s fast-paced business environment, managing employee training efficiently is more important...