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Our Work. Our Stories.

A collection of insights and stories from leading experts in the risk management industry covering key areas of organizational risk.

Our Work. Our Stories.

A collection of insights and stories from leading experts in the risk management industry covering key areas of organizational risk.

Coming to Grips with the Known-Known of Active Shooter Incidents

When an active shooter situation arises in the workplace, or in an environment where we’re responsible for the safety of others, we must be prepared.

Custodial Crypto Transportation and Storage: Understanding and Mitigating the Risks

Learn about the risks and practices of secure cold storage and transportation of cryptocurrency in this whitepaper from Lowers & Associates.

3 Key Components of an Effective Healthcare Security Program

In this whitepaper, we take an in-depth look at how today's healthcare security strategies can keep pace with today's dynamic challenges.

Occupational Fraud: A Hidden Killer of Organizational Performance

Gain an in-depth look at the complexities of occupational fraud, so you can prevent, detect, minimize, and/or recover from it.

Anti-Money Laundering: Know Your Customer

This whitepaper covers key topics and guidelines relevant to BSA/AML compliance, including the 5 main areas of an AML compliance program.

Social Engineering Fraud: Loss Prevention & Control Guidelines

This white paper covers the fundamentals of social engineering and provides the necessary tools for preventing loss within your organization.

Building a High Reliability Organization

In this whitepaper, we summarize the remarkable achievements of High Reliability Organizations (HROs) and describe how these organizations deliver stunning reliability in complex environments.

Security & Collaboration in the Cash Management Industry

In this paper, Lowers Risk Group outlines the CIT system and the cash management industry, identifying key vulnerabilities, and highlighting controls for some of these risks.

Additional levels of oversight within the financial institution and third party service providers of financial institutions have emerged since the financial crisis of 2008. This paper looks at changes to the regulations that are impacting the armored carrier industry and the financial institutions that work with them.

A Case for Transparency: For Financial Institutions and Insurers

Financial institutions and insurers experience significant losses which create a need for reform in the financial industry as it pertains to the use of vendors for outsourcing various cash handling activities.Typical problem areas and weaknesses are revealed.

ATM Fraud: An Internal Viewpoint

There are three conditions that are present when fraud occurs: Opportunity, Incentive, and Rationalization. The information contained in these papers demonstrates examples of vulnerabilities and how applying essential controls can significantly reduce the risk of fraud.

Auditing Fraud: Hidden Dangers in Every Transaction

Detecting Fraud Through Auditing - A discussion of the key auditing areas, potential weaknesses, and tools available to detect fraud through the audit function.

Auto Dealerships: A Multi-Faceted Approach to Risk

Now, more than ever, dealers can ill afford to make the wrong decisions when it comes to risk, decisions that ultimately affect their employees, their business, and their customers. This whitepaper provides methods for auto dealerships to properly assess and mitigate risk.

Billing Schemes: Purchasing & Accounts Payable Fraud

Managing Checks, Balances, and Weaknesses - An extensive study into the payables/receivable functions, including a description of typical processes, vulnerabilities, essential controls, and compensatory measures needed to reduce this key risk.

Forces at Work: Trends Impacting HR's Role in ERM

This 21-page whitepaper was inspired by a recent Deloitte report which recognized a critical, dual imperative that HR organizations currently face–enabling their organizations to grow and driving efficiency in the business of HR.

Payroll Fraud: Hidden Dangers in Every Transaction

Securing the Employment Process - A description of typical processes and vulnerabilities that may exist, and compensatory measures that should be taken to reduce the risk of payroll fraud.

Inventory, Shipping, and Receiving Fraud: Hidden Dangers in Every Transaction

Managing the Risk of Theft - A discussion of typical schemes, preferred processes, and essential controls that should be in place to reduce the risk of inventory fraud.

Wire Transfer Fraud: Hidden Dangers in Every Transaction

Managing Electronic Funds Transfer (EFT) Networks - An extensive study into wire transfer processes, including a description of typical processes, vulnerabilities, essential controls, and compensatory measures needed to reduce this key risk.

Human Capital Risk: The Critical Role of HR Threat Assessments

This whitepaper will help you understand the vital role of HR threat assessments and give you guidance on how to help keep unknown risks from damaging your people, brands, and profits.

10 Facts About Fraud

In this visual guide we highlight 10 facts about fraud from the ACFE’s 2014 report and offer tips to help your organization develop an effective fraud prevention program.

7 Burning Issues for Crypto Cold Storage

Learn about the key components of a risk assessment
for crypto cold storage providers.

CIT Carriers: Emerging ITM Program Risks

This slideshow sheds light on emerging risks CIT carriers face as they look to expand their banking relationships to handle ITM servicing.

18 Fraud Facts to Drive Your 2018 Fraud Prevention Plan

Our latest slideshow features 18 facts straight from the ACFE’s bi-annual Report to the Nations on Occupational Fraud and Abuse.

What Makes a High Reliability Organization?

HROs have the unique ability to deliver stunning reliability in complex environments. How do they do it? What makes an HRO? Our latest slideshow provides a glimpse inside.

A Realistic Look at the Active Shooter Situation

Learn more about the incidents and the perpetrators of active assailant incidents as well as the steps to being as prepared as possible.

Human Capital Risk

In this economy, companies cannot afford to hire the wrong people or run a non-compliant screening program. This presentation offers strategies for managing human capital risks while you drive compliance, enhance workplace safety, increase productivity, boost overall organizational performance, and reduce occupational fraud.

Occupational Fraud Management & Crime Insurance

If your organization has crime exposures, you need to understand occupational fraud and the methods proven to mitigate it.

Uncovering the Risks of Crypto Cold Storage and Transportation

In this infographic, we explore the risks associated with storage and transportation of crypto in more detail and highlight why cryptocurrency fraud prevention requires special consideration.

The College Admissions Fraud Triangle

Colleges and universities are not immune to fraud, and it’s imperative that administrators have protections in place to safeguard their reputations and resources. This infographic outlines a few key prevention measures.

The State of Violence in the CIT Industry

It is paramount for CIT operators to proactively address this rising threat. In our latest infographic, we present the most up-to-date research on armored car robberies and offer 8 ways to combat the threat of violent robberies.

The Making of a High Reliability Organization

This infographic, The Making of a High Reliability Organization, gives a fast summary of the characteristics of an HRO. Managers of every organization should be familiar with HROs to evaluate how they might adopt operational and cultural factors that lead to very high reliability to their own environments.

Your Hospital Security Program – A 3-Pronged Approach

In our latest infographic we examine three primary components of healthcare security’s best practices designed to meet today’s tough requirements: a strong presence, complete visibility, and a prompt, thorough response.

Social Engineering Fraud: Exploiting the Instinct to Trust

Start developing a social engineering fraud mitigation program with these facts.

Active Assailant Incident Management

Learn about the unlikely but devastating problem, including some insight into an assailant and a typical incident, and what to do to predict, prevent, and respond if a shooting occurs.

Workplace Violence Prevention: What You Need to Know to Build a Safer Workplace

Learn how to recognize the stages of workplace violence and the components of an effective prevention program.

Anti-Money Laundering: Safeguarding the Banking System from Financial Crime

Our latest infographic highlights the typical 3-step money laundering cycle and outlines key components of an effective anti-money laundering program.

5 Critical Areas of Human Capital Risk

This infographic summarizes each area of human capital risk and offers tips to help organizations better manage them.

The Hidden Risks of Occupational Fraud

The hidden risk of occupational fraud can make it seem like you can’t trust anyone you work with. The truth is that proactive fraud prevention tactics you employ to prevent losses can also help preserve an open, trusting work environment.

Fraud Triangle Infographic

Our latest infographic summarizes the factors that must be present for fraud to occur, and gives you a few ideas about how to combat it.

A Complete Solution for Commercial Crime Policies

We offer a range of services to help remove or defray risk, prevent and identify fraud, and verify claims. Download a copy of our Commercial Crime Policies prospectus here.

The SCTA Releases Preliminary Agenda for its 2024 Cash Industry Conference

The Secure Cash & Transport Association (SCTA) announces its preliminary agenda for the 2024 SCTA Conference, which will be held October 9-11 at the Swissotel Chicago.

Sponsor Opportunities Announced for the 2024 Secure Cash and Transport Association (SCTA) Conference

The SCTA Conference brings together thought leaders and professionals from the cash industry to discuss current issues, practices, and topics to help move the industry forward. Sponsors can get their brands in front of stakeholders at the event through advertising, exhibition, signage, and other opportunities.

Lowers & Associates Strengthens Team, Welcoming Christina Madden as a Claim Manager/EGA

Christina Madden will serve as a Claim Manager/EGA, focusing on claims handling and managing L&A’s TPA services.

Lowers Drone Solutions Launches to Support the Global Insurance and Loss Adjusting Industry

Lowers Drone Solutions is a service of Lowers & Associates, a leader in insurance risk mitigation.

Lowers & Associates Expands Cash-In-Transit & Risk Mitigation Services in APAC with Engagement of Craig Mitchell

The former National Security Director for Prosegur Asia-Pacific will help the insurance industry mitigate risks and prevent losses associated with cash-in-transit and other services in the APAC region.

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 Opens Office in Argentina as Part of Latin America Expansion

Lowers Risk Group will offer financial forensics and risk mitigation services to the Latin America market from its new office in Argentina.

Neil Watson Joins the Lowers & Associates Team

Watson, an experienced professional in the insurance industry, brings various relationships and management expertise to the Lowers & Associates team, and will assist with Fine Art, Jewellry, and Specie risk mitigation services offered to the market.

Lowers Risk Group Named to Inc. 5000 Hall of Fame, Among America’s Fastest-Growing Private Companies for 5 Consecutive Years

Lowers Risk Group joins the Inc. 5000 Honor Roll as a 5-time honoree, this year ranking number 1443 with three-year sales growth of 324%.

Dan Hyman Joins Lowers & Associates International as Industry Liaison Officer

Hyman will focus on building relationships with industry and government to drive clarity around complex governance, risk, and transparency challenges.

January 2019: Fidelity / Crime Observer

Inside this issue: How Organizations Respond to Fraud, A Breaking & Entering Crime Leads to Discovery of a Theft, Benchmarking Fraud: How Does Your Organization Compare and Who's Putting Your Organization at Risk of Fraud?

November 2018: Fidelity / Crime Observer

Inside this issue: The Element of Surprise: How to Cut Fraud Detection Time in Half, 7 Key Components of Successful ITM Risk Mitigation, Expense Account Fraud Can Add Up, and Latin American Banks Are Feeling the Impact of the Cybercrime Wave & The Element of Surprise Continued

July 2018: Fidelity / Crime Observer

Inside this issue: Startling Facts About Human Capital Risk, The Red Flags of Fraud, 4 Step Approach to Building Your Business Continuity Plan, [Infographic] The State of Violence in the CIT Industry & 2018 SCTA Conference Information

April 2018: Fidelity / Crime Observer

Inside this issue: Occupational Fraud: A Hidden Killer of Organizational Performance, They Do Things Differently Over There, Why Fraudsters Do What They Do

January 2018: Fidelity / Crime Observer

Inside this issue: Why Now is a Great Time for a Fraud Prevention Check-up, 18 Fraud Facts to Drive Your 2018 Fraud Prevention Plan, No One Wants to Question the Boss, and What Makes a High Reliability Organization SlideShare

November 2017: Fidelity / Crime Observer

Inside this issue: HROs, Organizational Resiliency, Analytics, and 7 Ways to Test the Reliability of Your Organization.

January 2016: Fidelity / Crime Observer

Inside this issue, Not If But When: How to Avoid Becoming the Next Target of FinCEN AML Enforcement, 16 Fraud Facts to Fuel Your 2016 Prevention Planning, and more!

February 2016: The Casino Shield

This issues features How to Avoid Becoming the Next Target of FinCEN AML Enforcement, 16 Fraud Fact to Fuel Your 2016 Prevention Planning and more tips to mitigate risk for the casino & gaming industry.

December 2015: Fidelity / Crime Observer

Inside this issue, a story about embezzlement, insights into cyber security, how to hire ex-offenders, and more!

October 2015: Native American Insider

This issue focuses on fidelity loss, cyber security, hiring ex-offenders, and other tips to mitigate risk for the casino & gaming industry.

October 2015: The Casino Shield

This issues features information on fidelity loss, blogs from Lowers Risk Group and Proforma Screening Solutions, and more tips to mitigate risk for the casino & gaming industry.

July 2015: Fidelity / Crime Observer

Inside this issue, "Local Library Loses More Than Late Fees", "Social Engineering Fraud: Loss Prevention & Control Guidelines", and more!

July 2015: Native American Insider

This issue focuses on employee theft, social engineering fraud, quick facts on the Great American Insurance market, and other tips to mitigate risk for the casino & gaming industry.

July 2015: The Casino Shield

This issues features information on employee theft, whitepaper - "Social Engineering Fraud: Loss Prevention & Control Guidelines", and more tips to mitigate risk for the casino & gaming industry.

April 2015: Native American Insider

In this issue of the Native American Insider features an article on the importance in implementing separate controls for all banking procedures, whitepaper - "Banking Audit: A New World", and more tips to mitigate risk for the casino & gaming industry.

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