Go forward with confidence.

Protect your company from avoidable loss and harm with our
comprehensive enterprise risk management solutions.

Learn More

Enterprise Risk Management Solutions

Lowers Risk Group provides comprehensive enterprise risk management
solutions to organizations operating in high-risk, highly-regulated
environments and organizations that value risk mitigation.

Our Companies

Enterprise Risk Management

The international leader in enterprise-wide risk mitigation and loss prevention, Lowers & Associates (L&A) sets the standard for creating programs that protect your organization and its interests. Offering a comprehensive set of risk assessment, audit, investigation,and compliance solutions, L&A brings extensive experience to the design of short- or long-term programs that address your specific needs.


The Latest from Lowers & Associates

How the Complexity of ITM Servicing Adds to CIT Vulnerability
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...


7 Key Components of Successful ITM Risk Mitigation
September 20, 2018

Interactive Teller Machines (ITMs) offer new business opportunities to banks, and therefore to CIT carriers. A significant side benefit to the CIT carrier is the...


5 ITM Program Risks CIT Carriers Must Address
August 29, 2018

Interactive Teller Machines (ITMs) represent a major shift in CIT carriers’ operations and that entails an added set of risks. In a global sense, ITMs...


Visit the Risk Management Blog

Financial Forensics Services

Lowers Forensics International offers expertise in forensic accounting, litigation support and insurance, claims accounting, and investigation services. We are an internationally-recognized accounting and consulting firm with a broad range of experience, including financial and data analysis, review of relevant economic issues, expert witness testimony, evidence gathering, and administrative support.


Employment Screening Services

Proforma Screening Solutions provides comprehensive employment screening services and solutions to mitigate risk and support the business goals of today’s human capital-driven organizations. Proforma’s programs go beyond simple reporting to drive compliance, enhance safety, and boost performance throughout each organization.


The Latest from Proforma Screening Solutions

9 HR Trends That Will Define Your Hiring Process [Whitepaper]
October 4, 2018

The forces driving changes in Human Resources hiring and retention processes are more often mentioned than they are understood. We speak so much about “globalization”...


Mitigating the Sting of a Fake Degree
September 18, 2018

An employee or prospective employee’s education claims are something every employer would rather just trust at face value. If they say they have a degree...


How to Avoid Being Taken Down by the FCRA Class Action Litigation Wave
August 30, 2018

An employer presents its job candidate with the necessary disclosures and authorization to obtain the candidate’s permission to perform a pre-employment background check. The candidate,...


Visit the Background Screening Blog

Public Records Research and Verifications

Wholesale Screening Solutions is the go-to source of vital data for employmentscreening, tenant screening, and risk mitigation service providers nationwide.Combining innovative technology and deep human insight, Wholesale Screening deliversunique value to enable better, more efficient decision making and greater compliance.Court records, social media searches, reference data, and more, are fast, accurate, andaffordable with Wholesale Screening.


The Latest from Wholesale Screening Solutions

5 Metrics Every CRA Should Have at Their Fingertips
October 8, 2018

As a CRA/background screening provider, one of the key stresses you face is managing pressure from clients who need quality research, fast. They can’t make...


Work Instructions: Where the Rubber Meets the Road
September 26, 2018

Q&A with Renae Cramphin, Director of Operations, Wholesale Screening Solutions At Wholesale Screening Solutions, we have this idea that we can become a 6-sigma quality...


4 Ways to Test the Strength of Your Public Records Research Provider’s Supplier Network
August 30, 2018

As a CRA, you know firsthand the benefit of having a partner in the public records research space who can deliver predictable turnaround times and...


Visit the Wholesale Screening Blog