In today’s rapidly evolving fraud landscape, complacency is a costly gamble. Those well-worn phrases—“That will never happen to me” or “We’ve always done it this way”—might feel comforting, but they’re the kind of cultural blind spots that fraudsters love….

In today’s fast-paced business environment, managing employee training efficiently is more important than ever. At Lowers & Associates, we’ve developed LIVE, a cutting-edge Learning Management System (LMS) designed to streamline your training processes and ensure compliance with state regulations…

Imagine your business is being asked to partner with the trendiest new luxury goods distributor. They have a strong presence throughout Europe, are establishing a growing network of suppliers, and come backed by some significant capital. Wow! It MUST…

Firms must comply with the Bank Secrecy Act and its implementing regulations (“AML rules”). – Financial Industry Regulatory Authority The Bank Secrecy Act (BSA) and all the related laws that have been passed since the BSA began in 1970, aim…

Both the Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control (OFAC) mandate that covered financial entities—and this includes all banking institutions, virtually all money service businesses, and many cash-intensive non-bank businesses—establish an Anti Money Laundering…