• 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.

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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.

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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

Four Suspects Ram Armored Vehicle & Assault Messenger, Houston, TX
July 6, 2018
A group of four suspects ambushed an armored van outside of a Houston check casher, using a truck to ram the vehicle while it was being accessed by the messenger. Two suspects assaulted the messenger and held her at gunpoint while the others stole multiple bags of cash from the open vehicle before fleeing the scene.

Armored Car Guard Robbed by Man on Motorcycle, Cleveland, OH
June 25, 2018
An armed suspected riding a motorcycle confronted an armored car guard during an ATM service stop. The suspect threatened the guard and demanded cash, before fleeing the scene on the motorcycle with an unspecified amount of stolen currency.

Armored Car Robbery Outside Elementary School, Troy, MI
May 8, 2018
An armored car guard was pepper-sprayed, and a truck was robbed outside of a Troy, MI elementary school. The school was placed on lockdown and the suspects fled the scene with an unspecified amount of stolen cash.

The Rise of the ITM and the Related Rise in Risk
August 14, 2018
Interactive Teller Machines (ITMs) are proving to help solve many of today’s...

The Element of Surprise: How to Cut Fraud Detection Time in Half
August 8, 2018
When it comes to occupational fraud, the total loss an organization suffers...

How CIT Carriers Can Build a Successful ITM Program [Guide]
August 1, 2018
The role of CIT carriers in banking continues to expand with the...