the risk management blog

byLowers & Associates | August 14, 2018

Interactive Teller Machines (ITMs) are proving to help solve many of today’s retail banking challenges and are becoming more prevalent as a result. This rise is changing the landscape for banking, and equally, for the cash servicing and cash-in-transit…

byLowers & Associates | August 08, 2018

When it comes to occupational fraud, the total loss an organization suffers is correlated with the length of time from when the fraud begins to the time it is detected. This is true for all types and circumstances of…

byLowers & Associates | August 02, 2018

The role of CIT carriers in banking continues to expand with the on-going growth of Interactive Teller Machines (ITMs). These newer teller machines will not replace the venerable ATM, but they will fill important niches in banks’ retail strategies….

byLowers & Associates | July 24, 2018

As the opioid crisis continues its rise in the U.S., an unexpected threat has confronted businesses and other entities that offer public restrooms. It turns out more and more public restrooms are being used by addicts as a relatively…

byLowers & Associates | July 10, 2018

According to a 2018 report from the Association of Certified Fraud Examiners (ACFE), organizations lose 5% of their annual revenues to fraud. While you know your organization is not immune to fraud, it can be easy to assume that…