• 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

Trio Steals $300k from Armored Truck by Distracting Guard; New York, NY
January 8, 2023
An armored car guard was approached by an individual who spoke with him for several moments, reportedly asking for directions. While the guard was distracted, accomplices stole an unattended bag containing $300,000 in cash from the armored vehicle’s bumper and fled the scene on foot.

Multiple Robbers Hijack Armored Car; San Antonio, TX
December 29, 2022
As many as four armed robbers ambushed an armored car driver while the messenger was servicing a location and were able to access the vehicle. The hijacked truck was abandoned less than a mile away with an undisclosed but reportedly substantial amount of cash stolen. The driver was hospitalized with minor injuries. This attack occurred less than three miles from the San Antonio bank where two 2022 robberies had earlier occurred.

Armored Car Robbed Outside Chicago Suburb Bank; Chicago, IL
December 15, 2022
Multiple suspects reportedly ambushed an armored car guard in the process of servicing an ATM, striking the driver in the head with a firearm before fleeing the scene with an undisclosed sum of stolen cash.

Why Fraud Prevention (Always) Matters
October 12, 2022
Summary Despite the prevalence of organizational fraud and its well-documented costs, businesses...

Fighting Fraud in Your Organization
November 19, 2021
This week, we were proud to support the ACFE’s International Fraud Awareness...

Fraud Stories: E-Commerce Fraud
November 18, 2021
Today is day 4 of our Fraud Awareness Week series, Fraud Stories...