byMark Lowers | March 30, 2015

The Financial Crimes Enforcement Network (FinCEN) works to ensure that the Bank Secrecy Act (BSA) / Anti Money Laundering (AML) program of your financial institution is in compliance. In order to get to the role of FinCEN, you need…

byMark Lowers | January 27, 2015

Given the high prevalence of organizational fraud, as reported by the Association of Certified Fraud Examiners (ACFE), companies have strong incentives to invest in fraud auditing capabilities—both internal and independent (external) audits. While both are extremely effective, this article…

byLowers & Associates | July 30, 2014

In March 2014, Thomas J. Curry, Comptroller of the Currency, spoke before the Association of Certified Anti-Money Laundering Specialists about the Bank Secrecy Act (BSA) and Anti-Money Laundering law (AML) compliance. While he generally spoke positively about the efforts…

byLowers & Associates | June 18, 2014

The Edward Snowden case and the theft of Target customer data have both driven home the point that cybersecurity is an emerging, and rising, risk issue for both companies and political entities. But there are other risks that emerge…

byLowers & Associates | 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…