Lowers Risk Group - ATM Industry Association Showroom

Lowers Risk Group

Your single point of contact for complex risks.

At Lowers Risk Group, we provide technical solutions and a single point of contact for managing complex pre-risk and post-loss challenges. Our clients operate in high-risk, highly regulated environments and call on our team of subject matter experts to help minimize risk exposure and maximize new opportunities that enable long-term growth.

We offer a global suite of services that includes Risk Mitigation, Financial Forensics, Loss Adjusting, Claims Management, UAV and UAS, as well as an emerging portfolio of bespoke Insurtech products. From liability and human capital to cyber risk and large loss property, we believe resolving uncertainty means creating brighter, more resilient futures for our clients and all those they serve.


SCTA- Secure Cash & Transport Association - Protect. Strengthen. Unite.

The Secure Cash & Transport Association is a non-profit association established in 2013 to represent the shared interests of professionals and organizations in ATM servicing, cash handling/processing, transportation, and safe keeping of cash and coin throughout North America.

Our mission is to protect, strengthen, and unite this vital industry.

SCTA 2023 Conference
September 13-15, 2023
Swissotel Chicago
Website: http://www.securetransportassociation.org/

The SCTA Cash Matters Webinar Series: https://scta.securetransportassociation.org/webinar-series/
Join SCTA: http://www.securetransportassociation.org/contact/join-scta.php

Lowers Risk Group

125 East Hirst Road, Suite 3C
Purcellville, VA 20132
Phone: 540-338-7151
Fax: 540-338-3131

SCTA 2023 Conference
September 13-15, 2023
Swissotel Chicago

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Products & Services
ATM Security

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 and challenges involved in servicing ATMs and managing the personnel and resources required to secure these systems. In fact, the team at L&A played a key role in developing the de facto security standards applied within the armored car industry regarding ATM servicing, cash replenishment, deposit pick-up, and cash management services.

  • 25+ years of ATM security experience
  • Expert evaluation and assessment reporting
  • Strategic approach to risk mitigation program development
  • Ongoing service that ensures long-term success
  • Immediate action when time is of the essence


Managing CIT Risks

CIT Risks

Lowers & Associates (L&A) has been globally recognized as a leader in the field of Cash-In-Transit (CIT) security and risk mitigation since 1980.

Working on behalf of banks, insurers and armored car companies, we have established ourselves as the go-to partner in this critical area of the financial services market. We base our approach on evaluation, consultation, and hands-on service that dovetail into a collaborative global risk mitigation platform.

  • 35+ years of Cash-In-Transit industry experience
  • Expert assessment and remediation
  • Strategic approach to risk mitigation program development
  • Ongoing service that ensures long-term success
  • Immediate action when time is of the essence


Financial Institutions

Financial Institutions

Helping you mitigate the wide range of business, operational, and technology risks facing your organization.

L&A is an independent, internationally recognized provider of Enterprise Risk Management (ERM) and risk mitigation services to Financial Institutions around the world. Through our long history of serving the Cash-in-Transit (CIT) industry, we have developed key partnerships within the banking industry -- large national, smaller regional, and community banks alike. In addition to banks, credit unions, and CIT operators, we serve 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 services to help you mitigate the wide range of business, operational, and technology risks facing your organization on a day-to-day basis. Which includes the following services: Risk Assessments, Security Reviews, Compliance Audits, Business Continuity Plans, Cash/Vault Audits, IT/IS Risk Management, and Due Diligence Investigations. Choose L&A to protect your people, brands, and profits. Request an initial meeting.


Financial Forensics and Litigation Support

Financial Forensics and Litigation Support

Lowers Forensics International (LFI) is a globally trusted financial forensics and risk mitigation firm that proudly operates under the Lowers Risk Group family of companies.

Lowers Forensics combines decades of global post-loss forensic accounting, insurance claims accounting, international investigations, litigation and disputes, intelligence and security, anti-fraud, and fidelity investigations expertise across a variety of industries with key technology to deliver precise insight and value to the clients we serve.

For matters of extreme importance, for problems that must be solved, the Lowers team of forensic accountants, litigation experts, investigators, and risk professionals are trusted to get the job done. Make Lowers your single point of contact for issues that impact people, brands, and profits.


Loss Adjusting & Drone Services

Loss Adjusting & Drone Services

Adjusteck is a full service specialist international Loss Adjusting practice and Claims Management firm built on human experience and driven by technology. We blend a bespoke approach to technical, complex loss adjusting for clients in the insurance and reinsurance markets with enterprise-level risk mitigation expertise. Our business is primarily with London and other international insurers, managing direct and reinsurance claim assignments globally, or as nominated by insurers to captive multi-national insurance programs and corporations that are significantly self-insured. We offer a suite of claims handling services that includes Casualty, Construction & Engineering, Cyber, Financial, Natural Resources, Property and Specie. Learn more and request additional information about our solutions at adjusteck.com.

The insurance and loss adjusting industry relies, more than ever, on the quality of data captured from site inspections to provide crucial evidence to support damage assessments. With teams of adjusters and experts working together globally, accessibility is a key requirement when it comes to the presentation of the data, which needs to be easily and quickly available across a range of devices. Tap into globally-accessible drone capabilities backed by the trusted name in insurance risk mitigation to finally realize the insights, safety, and efficiency of a fully-operational drone services program. Learn more and request a consultation at drone.lowersrisk.com.

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