• 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

Suspect Shot by Armored Car Crew during Robbery; Houston, TX
January 23, 2025
A teenage suspect was shot while attempting to rob an armored car crew at a Bank of America. Suspects deployed pepper spray during an ambush of two crewmembers, who were otherwise unharmed. The second suspect was able to flee the scene.

Armored Crew Robbed while Servicing ATM; Elkton, Maryland
January 8, 2025
Multiple suspects robbed an armored car crew while they were servicing a standalone ATM on the exterior of a Walmart. Reports suggest that the robbers were not able to access the secured compartments of the ATM, resulting in one crewmember being pepper sprayed. The assailants fled the scene.

Armored Truck Robbed at Shopping Center, Houston, TX
December 20, 2024
Two assailants robbed an armored car at the Food Town Grocery store in Pine Forest Shopping Center. The suspects fled the scene after stealing a bag from the armored car crew. The suspects used pepper spray in the assault. This was the second armored car robbery reported in Houston in less than one week. Two juveniles were arrested in late January 2025.

The Risk Management Blog

Don’t Let “It’ll Never Happen to Us” Be Your Business’s Famous Last Words
November 20, 2024
In today’s rapidly evolving fraud landscape, complacency is a costly gamble. Those...

Why Fraud Prevention Always Matters
November 18, 2024
Despite the prevalence of organizational fraud and its well-documented costs, businesses both...

Discover the Power of L&A’s LIVE: Your All-in-One Learning Management System
October 29, 2024
In today’s fast-paced business environment, managing employee training efficiently is more important...