byLowers & Associates | September 27, 2018

The ITM (sometimes called VTM for video teller machines) has added a new dimension to modern banking. These machines take advantage of digital networking capabilities to expand the range of customer services that can be handled through remote machines,…

byLowers & Associates | August 21, 2018

It was not too long ago that CIT carriers operated armored vehicles with armed guards carrying cash from one brick-and-mortar facility to another. With the introduction of Automated Teller Machines (ATMs) in 1969, the role of carriers changed to…

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 | September 13, 2017

A High Reliability Organization (HRO) is one that achieves desired outcomes consistently, despite operating in a highly complex environment characterized by high risks. It learns from its failures, even those unanticipated, and uses them to improve over time. Could…

byLowers & Associates | December 23, 2015

As 2015 comes to a close, we are pleased to share our most popular articles from the Risk Management Blog in 2015. 1. 4 Red Flags of Money Laundering or Terrorist Financing One of the most important aspects of…