• 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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risk management capabilities

Suspect Shot During Attempted Armored Car Robbery; Chattanooga, TN
January 18, 2024
An armed suspect ambushed an armored car guard who was exiting a Walgreens in Chattanooga, TN. The suspect demanded the guard’s cash bag at gunpoint; however, the guard was able to draw their service weapon and fire two shots at the suspect. The suspect fled the scene but was later arrested after seeking treatment for his non-life-threatening gunshot wounds at an area hospital.

Attacker Rams Armored Car; Stockton, CA
December 26, 2023
A parked armored vehicle was rammed by an attacker near the Weberstown Mall in Stockton. The attacker then attempted to get the driver to exit the armored truck, but was unsuccessful, and was arrested by responding officers.

An Armored Truck Robber Stole $27k in Cash; Charlotte, NC
December 21, 2023
An armored car guard was approached by an armed suspect who demanded cash and then fled into nearby woods with a bag containing $27,000.

Bridging the Gap: Unifying Physical and Cyber Security Assessments
October 19, 2023
By Brad Moody and Brian Straightiff Unlike traditional methods that compartmentalize physical...

Making Multi-Family Residential Housing Safer with CPTED and Lowers & Associates (L&A)
July 25, 2023
Living in a safe and secure environment is a top priority for...

RIMS 2023: Embracing Technology, Addressing Market Challenges, and Revamping Risk Management Strategies
May 12, 2023
The RIMS Conference 2023, one of the most anticipated events in the...