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….

byLowers & Associates | January 21, 2016

  If you run a business that facilitates or conducts money transactions, or transactions in other liquid commodities, you are no doubt aware of FinCEN. Rest assured that FinCEN is aware of you, too. And we predict it’s only…

byLowers & Associates | October 06, 2015

Last month we had the pleasure of sponsoring and attending the third annual Secure Cash and Transport Association (SCTA) conference in Chicago. One of the sessions at the conference was presented by Alan Cox, of the Financial Crimes Enforcement…

byMark Lowers | August 05, 2014

In today’s integrated financial services system, Cash-in-Transit (CIT) service providers face new challenges in theft and fraud prevention. Traditional approaches to internal controls may leave risky gaps where CIT vendors and their banking customers intersect. Upgrading—and redesigning—these controls so…

byMark Lowers | June 12, 2014

  The Office of the Comptroller of the Currency (OCC) is focused on the responsibility of financial institutions—national banks and Federal savings associations—to be responsible for the risk management of business operations whether they are performed internally or through…