• 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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Armored Crime Report

Three Suspects On the Run Following Armored Car Robbery; Lansing, IL
August 16, 2023
Three armed and masked suspects ambushed an armored car guard in the process of servicing a Chase Bank ATM in the Chicago Suburb of Lansing, IL. The suspects fled the scene with an unspecified sum of cash.

Armored Car Guard Fires Warning Shot During Robbery; St. Paul, MN
July 31, 2023
An armed suspect robbed an armored car guard at the Speedway off Interstate 94 in St. Paul. The guard pursued the suspect who pointed a gun at him; the guard fired a shot into the air in response, and the suspect fled on a bicycle.

Masked Suspects Rob ATM Service Tech in Parking Lot; San Antonio, TX
July 23, 2023
An ATM service technician was ambushed by multiple armed and masked suspects while servicing a Bank of America ATM located in a parking lot on West Commerce Street. The three suspects jumped out a vehicle and demanded money, then fled the scene with an unspecified sum of cash.

The Risk Management Blog

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...

Lowers Risk Group in 2023
April 17, 2023
It hasn’t been easy, but I’m thrilled to say that our business...