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 third…

byMark Lowers | May 08, 2014

The banking industry has undergone significant and historic change since the financial crisis of 2008. The Dodd Frank Wall Street Reform and Consumer Protection Act created heightened expectations and new regulations for financial institutions. This, in turn, has created…

byMark Lowers | March 25, 2014

Stop for a minute and think about the flow of cash in the American economy.  You almost certainly have some in your pocket or purse right now, and at some point in the day, or the near future you…

byLowers & Associates | November 21, 2013

A spate of recent heist movies feature armored car robberies for a reason – violent action and high drama – with the villains taking big risks for a huge payout. The filmmakers certainly get it right when it comes…