• 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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Armored Crime Report

Norfolk Armored Car Robbery Revealed as Inside Job, Norfolk, VA
March 19, 2019
An armored car guard reported that he had been robbed by an armed suspect; however, video footage quickly surfaced showing what appears to be the guard voluntarily handing over cash to an accomplice. Both the guard and accomplice have been arrested as suspects in the incident.

FBI Thwarts Armored Car Robbery in Progress, Merrillville, IN
March 18, 2019
FBI agents were alerted to a planned armored car robbery in an Indiana neighborhood south of Chicago. Agents tailed the suspects and arrested them outside of a grocery store where the robbery was set to occur. The suspects are believed to have been involved in a $500,000 armored car robbery which occurred in another of Chicago’s southern suburbs in July, 2018.

Shots Fired in Armored Car Robbery, Houston, TX
March 15, 2019
An armored car guard was fired upon by two suspects, one of whom was reportedly wielding an automatic rifle. The guard was knocked to the ground and injured, but was not hit, while stray shots struck nearby businesses. The suspects fled the scene with an unspecified sum of cash.

The Risk Management Blog

College Admissions Scandal: Are We too Quick to Blame the Institutions?
March 29, 2019
The college admissions scandal has caused quite a stir in the media...

Defining the Risk of Cryptocurrency
March 20, 2019
The fundamental risk of cryptocurrency (‘crypto’), aside from market risks, is custody....

The Crypto Conundrum: What Are We Insuring?
March 14, 2019
With the surge of cryptocurrencies, mainstream investors are looking at them as...