• 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

Armored Crime Report

Shots Fired During Botched Armored Car Robbery, Atlanta, GA
January 4, 2019
Two men, one armed with a rifle, fired on an armored car guard who was in the process of servicing an ATM. The guard took cover and returned fire, and the suspects fled the scene. No injuries or loss were reported.

Armored Guard Attacked with Pepper Spray, Birmingham, AL
December 24, 2018
An armored car guard was ambushed with pepper spray while servicing an ATM on Christmas Eve. The suspect escaped with an undisclosed sum of cash.

Robbers Armed with Rifle Fire on Armored Car Guard, Houston, TX
December 10, 2018
Two men armed with a rifle opened fire on an armored car guard while they were in the process of servicing an ATM. No one was injured and the suspects fled the scene after obtaining a bag containing an undisclosed sum of cash.

The Risk Management Blog

When Crypto Keys Go to the Grave: A Case in Risk Management
February 11, 2019
This is one of those things that seems so obvious that you...

2018 Fraud Week Wrap-up: Fraud Prevention Tips and Information
November 16, 2018
This Saturday, November 17, 2018, will conclude the Association of Certified Fraud...

The Red Flags of Fraud You May Not Know
November 15, 2018
It would be really good to know who in your organization is...