100 % - Fraud & Crime Insurance - Lowers & Associates
Occupational Fraud Management & Crime Insurance If your organization has crime exposures, you need to understand occupational fraud and the methods proven to mitigate it. This presentation, featured at the Risk Management Society (RIMS) 2013 Conference, explores many facets of occupational fraud management. What's Inside: Statistical analysis, including industry and department breakdowns The role of corporate culture The Fraud Triangle Whi...

67 % - ATM Fraud - Lowers & Associates
ATM Fraud: An Internal Viewpoint International Minimum Security Guidelines and Best Practices for ATM Service Providers Protecting the cash that funds your ATM program is paramount for every ATM deployer. ATM cash differences, thefts, and losses can quickly erode the profitability and threaten operations. This guide will help you enhance security and reduce risks related to ATM operations.   What You'll Learn: The impact of CIT carrier vault man...

54 % - Billing Schemes: Purchasing and Accounts Payable Fraud - Lowers & Associates
Billing Schemes: Purchasing & accounts payable fraud Billing schemes are the most common of the fraudulent disbursement schemes, making up 50% of all cases identified in 2012. This whitepaper reveals the intricacies of billing scheme fraud including case studies which exemplify the effects of fraud on both the perpetrator and victim.    What You'll Learn: Typical purchasing/accounts payable processes Common vulnerabilities that are su...

26 % - Fraud Investigations - Lowers & Associates
Fraud Investigation Service Our fraud investigation service is designed to swiftly and discretely handle cases of internal fraud. Fraud, embezzlement and other crimes cost businesses billions each year. Recent economic pressures on companies creating "down-sizing" and limiting pay and benefits often generates "self-justifications" for illegal behaviors by employees.  On average, internal fraud, theft, and crime account for 88.7% of corporate losses that ...

25 % - Payroll Fraud - Lowers & Associates
Payroll Fraud: Hidden Dangers in Every Transaction Payroll, like fraudulent billing schemes, relies upon false documentation being used to cause the victim company to make a fraudulent disbursement. The total lost revenues due to fraud and abuse are estimated to be over $3.5 trillion annually worldwide, 9.3% of that figure is attributed to payroll schemes.   The typical payroll and hiring processes, their common vulnerabilities, and compensatory measures are explain...

22 % - A Case for Transparency: For Financial Institutions and Insurers - Lowers & Associates
A Case for Transparency: For Financial Institutions and Insurers Typical problem areas and weaknesses in financial institutions that may lead to fraud are revealed in this whitepaper. Financial institutions and insurers experience significant losses which create a need for reform in the financial industry. The use of vendors for outsourcing various cash handling activities are susceptible to such losses.   What You'll Learn: A list of factors th...

18 % - Auditing Fraud: Hidden Dangers in Every Transaction - Lowers & Associates
Auditing Fraud: Hidden Dangers in Every Transaction The auditing function can serve as a major deterrent to fraud if employees and vendors believe that any significant fraud will be detected quickly by internal auditors. This guide unveils the hidden dangers in auditing. It also reviews both external and internal auditing advantages and disadvantages, as well as the controls necessary to detect fraud early.   What You'll Learn: Tools and techniques ...

17 % - Wire Transfer Fraud: Hidden dangers in every transaction - Lowers & Associates
Wire Transfer Fraud: Hidden dangers in every transaction Point-to-point telecommunication and Internet monetary transactions have grown to $3 trillion in transfers around the globe daily. This creates a target for theft and fraud, which why this whitepaper focuses on understanding what controls can reduce the risk of fraud. In this whitepaper we delve into the common vulnerabilities of wire transfers and compensatory measures to take.   Case studies in this whitepap...

16 % - Risk Management Resources - Lowers Risk Group Joins the 2019 Movement to Shine a Spotlight on Fraud
Resources Lowers Risk Group Joins the 2019 Movement to Shine a Spotlight on Fraud International Fraud Awareness Week kicks off Nov. 17, 2019 worldwide Lowers Risk Group announces its participation in the Association of Certified Fraud Examiners’ (ACFE) International Fraud Awareness Week, Nov. 17-23, 2019. Lowers Risk Group will serve as an official supporter to promote anti-fraud awareness and education. The movement, known commonly as Fraud Week, champions the ne...

6 % - Risk Management Resources
Resources Featured Our Work. Our Stories. A collection of insights and stories from leading experts in the risk management industry covering key areas of organizational risk. Read More White Papers Our Work. Our Stories. A collection of insights and stories from leading experts in the risk management industry covering key areas of organizational risk. Read More Coming to Grips with the Known-Known of Active Shooter Incidents When an active shooter situation arises in ...

1 % - Insurance - Lowers & Associates
Insurance Loss Prevention & Risk Management Effective Insurance Loss Prevention is the backstop that lets business do business. 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 when mounting claims within an industry cause them concern about continuing to cover existing risks. The public’s attitude toward insur...

1 % - Lowers and Associates Continues to Assist Insurers and Customers
Lowers And Associates Continues To Assist Insurers and their Customers As part of its long-standing relationship with the Fidelity / Crime Division of Great American Insurance Group, Lowers & Associates (L&A) provides on-going assistance to Great American’s valued customers and brokers. A broad range of services is available under this new partnership, from customers seeking general advice on crime and fidelity matters to those who need more detailed risk mitigatio...

1 % - Site Map - Lowers & Associates
Site Map Home About Risk Defined Company History Locations Vision and Mission Management Team Our People Affiliations Services Loss Prevention Insurance Claims Investigations Fraud Investigations Forensic Investigations Asset Recovery Due Diligence Litigation Support Venue Security Risk Manageme...

1 % - Insurance Claims Investigations - Lowers & Associates
Insurance Claims Investigations Our insurance claim investigations help to reduce the significant costs of property and casualty insurance fraud. Insurance fraud cost insurers about $30 billion annually according to recent research conducted by the Insurance Information Institute. The stakes are so high that insurers seeking to provide the best service at competitive rates must conduct risk surveys and claim verification for every claim. L&A has successfully provided tho...

0 % - People: At the Epicenter of Risk - Lowers & Associates
People: at the Epicenter of Risk   Considering most risks start and end with people, human capital risk is a significant part of the Enterprise Risk Management puzzle. The actions of individuals can threaten an organization by creating liabilities or exposing it to unnecessary losses. As an HR or enterprise risk manager you recognize the need to mitigate these risks with smart strategies. What's Covered: This 16-page whitepaper explores how employers can ide...

0 % - Banking Audit: A New World - Lowers & Associates
Banking Audit: A New World The banking industry has undergone significant and historic change since the financial crisis of 2008.    Additional levels of oversight within the financial institution and third party service providers of financial institutions, including armored carriers, are required.   This paper looks at changes to the regulations that are impacting the armored carrier industry and the financial institutions that wo...

0 % - Affiliations - Lowers & Associates
Affiliations Lowers & Associates is proud to be affiliated with the following risk management organizations. ABA - American Bankers Association ACEME - Association of Casino Enterprise Managers & Executives ACFE - Association of Certified Fraud Examiners AFP - Association for Financial Professionals ASIS International - American Society for Industrial Security ATMIA - ATM Industry Association CSI - Computer Security Institute ...

0 % - Loss Prevention Management | Lowers & Associates Risk Mitigation Partners
Company History Loss prevention management remains at the core of everything we do today. Two of our earliest clients were underwriters at Lloyd’s of London.  From our early work for Lloyd’s in loss investigations and assessments of the gaming industry, fine arts, financial institutions and armored car companies, we cultivated a broad-based expertise in risk assessment for the insurance market. L&A is now equipped to handle much more than insurance-rel...

0 % - Legal - Lowers & Associates
Legal More than 25 years of litigation support and International Private Investigator Services for criminal and civil cases. 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, Lowers & Associates (L&A) investigators are immediately accessible. Our inve...

0 % - ATM Risk Management Solutions - Lowers & Associates
ATM Security Requires a Unique Understanding When two of the largest ATM manufacturers in the world sought to cut security breaches perpetrated by field personnel, they turned to Lowers & Associates (L&A). Our highly experienced staff developed customized, in-depth policy frameworks and a training program that resulted in significant improvements in efficiency and a marked decrease in security breaches. We fully understand the unique operational risks an...

0 % - Employee Background Screening - Lowers & Associates
Employee Background Screening Employee Background Screening Mitigates the Inherent Risks of Human Capital Human capital - in the form of employees, contractors, and volunteers - simultaneously represents an organization’s greatest asset and its greatest potential liability.  Lowers & Associates (L&A) utilizes comprehensive background screening as a primary component in developing an enterprise-wide risk mitigation strategy. Through our Proforma Screening ...

0 % - Management Team - Lowers & Associates
Management Team Our risk management professionals are the best in the business: D. Mark Lowers, CFE, President and Chief Executive Officer Mark is an international authority on risk management and its many component disciplines. He is widely cited on risk management and security issues, and he has published numerous articles on those topics. He is a certified fraud examiner and has over 38 years of experience administering risk management functions including risk assessment,...

0 % - Risk Management Resources - Lowers Risk Group Opens Office in Argentina as Part of Latin America Expansion
Resources Lowers Risk Group Opens Office in Argentina as Part of Latin America Expansion Lowers Risk Group companies, Lowers Forensics International and Lowers & Associates International, will offer financial forensics and risk mitigation services to the Latin America market from its new office in Argentina. Purcellville, VA (July 25, 2019) - Lowers Risk Group, a global enterprise risk management solutions provider, announces its opening of a new office in Argentina...

0 % - Risk Management Services and Consulting | Lowers & Associates
Services Loss Prevention The principles of sound loss prevention services are at the core of everything we do. Read More Insurance Claims Investigations Our Insurance claim investigations help to reduce significant costs of insurance fraud. Read More Cash Audit Services We are uniquely qualified to provide expert independent cash audit and compliance monitoring services. Rea...

0 % - Risk Mitigation and Loss Prevention | Risk Management | Lowers & Associates
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. Learn More 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. Learn ...

0 % - Due Diligence - Lowers & Associates
Due Diligence L&A’s proven overt and covert due diligence investigations yield vast amount of information. Global markets create opportunities, and risk.  Understanding and managing these risks to support business objectives requires knowledgeable partnerships and alliances to “break into” emerging markets and strengthen your operations.   Unfortunately, deceptive practices are more common in emerging international business environments with ...

0 % - Cash Audit Services | Lowers & Associates
Cash Audit Services Lowers & Associates ('L&A') is acutely aware of the inherent risks involved with the secure management, movement, and storage of cash. To ensure against theft and fraud, banks, Cash-in-Transit (CIT) and ATM service providers alike have come to rely upon the professional cash audit services offered by L&A. Armed with extensive industry know-how, we are uniquely qualified to provide expert independent cash audit and compliance monitoring ser...

Get Updates
Via Email

For more information, see our Privacy Policy