atm industry overview & analysis
TRANSCRIPT
7/27/2019 ATM Industry Overview & Analysis
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A T M I n d u s t r y A n a l y s i s
&
B e s t
P r a c t i c e s
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
A
v e r a g e
A T M L
o s s
$ 1 3 , 5 0 0
$ 1 2 , 2 5 5
$ 1 1 , 6 4 0
$ 1 8 , 8 3 5
$ 1 9 , 2 5 0
$ 0
$ 2 , 0 0 0
$ 4 , 0 0 0
$ 6 , 0 0 0
$ 8 , 0 0 0
$ 1 0 , 0 0 0
$ 1 2 , 0 0 0
$ 1 4 , 0 0 0
$ 1 6 , 0 0 0
$ 1 8 , 0 0 0
$ 2 0 , 0 0 0
2 0
0 0
2 0 0 1
2 0 0 2
2 0 0 3
2 0 0 4
5 Y r . A
v e . - $ 1 5 , 0 0 0
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
A
v e r a g e
A T M L
o s s
• 2 0 0 3 a n d
2 0 0 4 a f f e c t e d b y a f e w
l a r g e l o s s e s
e x c e s s $ 5
0 , 0 0 0 + .
• W h i l e A T M r e p l a c e m
e n t c o s t s a r
e d e c r e a s i n g
,
c a s h l o a d
s p e r A T M s e e m t o b e i n c r e a s i n g .
A v e r a g e
A T M l o a d a
p p r o x . $ 1 5 , 0 0 0 t o $ 2 0 , 0
0 0 .
• C o m m o n
r e a s o n c i t e d i s c o s t o f a
r m o r e d c a r r i e r
r e p l e n i s h
m e n t .
• A v e r a g e
l o s s i s c l o s e
t o m a x i m u m
l o a d – A T M s
g e t t i n g h i t a f t e r r e p l e n i s h m e n t .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
A
T M L o s s F r e q u
e n c y
• A v e r a g e
l o s s s i z e i s i n c r e a s i n g , b u t f r e q u e n c y
o f
l o s s s e e m
s t o b e d e c r e a s i n g .
• M o r e c a r
e f u l u n d e r w r i t i n g o f
b o o k / a c c e p t a n c e / d e c l i n a t i o n o f l o
c a t i o n s h a v i n g a
p o s i t i v e a f f e c t .
• 2 0 0 0 – 2 0 0 2 p e r h a p s
e x a g g e r a t e d
d u e t o s m a l l e r
p o r t f o l i o / l e s s s p r e a d o f r i s k .
• 1 p o r t f o l i o i n p a r t i c u l a r i s i n c r e a s
i n g a v e r a g e .
E s t i m a t e
t h a t i n d u s t r y a v e r a g e i s
c u r r e n t l y c l o s e r
t o 0 . 3 0 %
t o 0 . 4 0 % .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T o t a l E s t i m
a t e d $ L o s s e s
$ 2
, 7 2 7 , 0 0 0
$ 2 , 8 8 0 , 0 0 0
$ 2 , 6 9 0 , 0 0 0
$ 4 , 5 0 0 , 0 0 0
$ 5 , 0
2 5 , 0 0 0
$ 0
$ 1 , 0 0 0 , 0 0 0
$ 2 , 0 0 0 , 0 0 0
$ 3 , 0 0 0 , 0 0 0
$ 4 , 0 0 0 , 0 0 0
$ 5 , 0 0 0 , 0 0 0
$ 6 , 0 0 0 , 0 0 0
2 0 0 0
2 0 0 1
2 0 0 2
2 0 0 3
2 0
0 4
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T o t a l E s t i m
a t e d $ L o s s e s
• A s s u m i n g
a p p r o x i m a t e l y 5 0 , 0 0 0 “ o f f - p r e m i s e
”
A T M s , e s
t i m a t e d i n d u s t r y l o s s f o r A T M s a n d
C a s h
i s o v e r $ 5
, 0 0 0 , 0 0 0 p e r y e a r .
• A T M P h y
s i c a l D a m a g e - 3 0 % o r $ 1 , 5 0 0 , 0 0 0 .
• A T M C a s
h – 7 0 % o r $ 3 , 5 0 0 , 0 0 0 .
• A T M R e m
o v a l – 6 5 %
• A T M B &
E – 3 5 %
• O t h e r – 5 % i n c l u d i n g
f i r e , f l o o d , h u r r i c a n e , b u i l d i n g
c o l l a p s e e
t c .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
L o s
s e s B y L o c a t i o n T y p e
L o c a t i o n T y p e
%
T o t a l P l a c e m e
n t s
% T o t a l $ L o s s e s
A p a r t m e n t
0 . 5 0 %
0 . 4
7 %
B a r / T a v e r n / N i g h
t C l u b
7 . 0 0 %
2 . 5
1 %
B i n g o / G a m b l i n g / E n t e r t a i n m e n t
5 . 0 0 %
5 . 8
5 %
C o l l e g e / E d u c a t i o
n
1 . 0 0 %
1 . 0
2 %
C - S t o r e
3 0 . 0 0 %
9 . 5
3 %
D e p a r t m e n t S t o r
e
0 . 5 0 %
0 . 4
5 %
G a s S t a t i o n / C - S t o r e
3 5 . 0 0 %
2 2 . 4
2 %
G r o c e r y S t o r e
5 . 0 0 %
1 0 . 6
7 %
H e a l t h C a r e
0 . 5 0 %
0 . 2
3 %
H o t e l
2 . 5 0 %
1 6 . 7
0 %
L i q u o r S t o r e
0 . 5 0 %
0 . 8
0 %
M a l l
2 . 0 0 %
3 . 1
3 %
O f f i c e
0 . 5 0 %
0 . 4
7 %
O u t d o o r F e s t i v a l / P a r k
0 . 5 0 %
3 . 9
6 %
R e s t a u r a n t
2 . 0 0 %
5 . 8
3 %
R e t a i l - O t h e r
7 . 5 0 %
1 5 . 9
7 %
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T o p 1 0 L o s s
L o c a t i o
n s B y %
0
. 0 0 %
5
. 0 0 %
1 0
. 0 0 %
1 5
. 0 0 %
2 0
. 0 0 %
2 5
. 0 0 %
G a s S t a t i o n / C - S t o r e
H o t e l
R e t a i l - O t h e r
G r o c e r y S t o r e
C - S t o r e
B i n g o / G a m b l i n g / E n t e r t a i n m e n t
R e s t a u r a n t
O u t d o o r F e s t i v a l / P a r k
M a l l
B a r / T a v e r n / N i g
h t C l u b
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T o p 1 0 L o s s
L o c a t i o
n s B y %
1 1 %
2 3 %
1 7 %
1 7 %
G a s S t a t i o n / C - S t o r e
H o t e l
R e t a i l - O t h e r
G r o c e r y
S t o r e
C - S t o r e
B i n g o / G a m b / E n t .
R e s t a u r a n t
O u t d o o r
F e s t i v a l / P a r k
M a l l
B a r / T a v e r n / N i g h t C l u b
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
G
a s S t a t i o n / C - S
t o r e s
• E s t i m a t e t h a t G a s S t a t i o n s w i t h
C o n v e n i e n c e S t o r e
s r e p r e s e n t 3 5 % o f A
T M
p l a c e m e
n t s a n d 2 2
% o f l o s s e s .
• W h i l e t h e s e l o c a t i o n s p r o d u c
e t h e m o s t
l o s s e s , i n r e l a t i o n t o n u m b e r o f A T M s i n
t h i s s e c t o r , i n c i d e n
t s o f t h e f t g e n e r a l l y
g o o d .
• M a n y l o
c a t i o n s 2 4
x 7 . H i g h
t r a f f i c a r e a s .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
C - S
t o r e s / N o G a s S t a t i o n
3 0 %
7 0 %
1 0 %
9 0 %
% T o
t a l P l a c e m e n t s
% T o t
a l L o s s e s
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
C - S
t o r e s / N o G a s S t a t i o n
• E s t i m a t e t h a t s t a n d
- a l o n e C o n v e n i e n c e
S t o r e s r e p r e s e n t 3 0
% o f A T M
p l a c e m e n t s
a n d 1 0 %
o f l o s s e s .
• A g a i n , w
h i l e t h e s e
l o c a t i o n s p r o d u c e a l a r g e
n u m b e r
o f l o s s e s , i n r e l a t i o n t o n u m b e r
o f
A T M s i n t h i s s e c t o
r , i n c i d e n t s o f t h e f t
g e n e r a l l
y g o o d .
• M a n y l o
c a t i o n s 2 4
x 7 . H i g h
t r a f f i c a r e a s .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
B a r / T a v e r
n / N i g h t C l u b
7 %
9 3 %
3 %
9 7
%
% T o
t a l P l a c e m e n t s
% T o t
a l L o s s e s
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
B a r / T a v e r
n / N i g h t C l u b
• E s t i m a t e t h a t t h i s s e g m e n t r e p r e s e n t s 7 %
o f
t o t a l p l a
c e m e n t s a n d p r o d u c e
s 3 % o f l o s s e s .
• G e n e r a l l y o p e n l o n
g h o u r s , p a r t i c u l a r l y
l a t e
e v e n i n g
w h e n m o s
t l o s s e s o c c u r .
• S e c u r i t y
p r e s e n c e a n d a l a r m s y s t e m s g o
o d .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
H
o t e l s
3 %
9 7 %
1 7 %
8 3 %
% T o
t a l P l a c e m e n t s
% T o t
a l L o s s e s
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
H
o t e l s
• E s t i m a t e t h a t h o t e l s m a k e u p
a p p r o x i m a t e l y
3 % o f t o
t a l p l a c e m
e n t s , b u t a
c c o u n t f o r
1 7 % o f l o s s e s .
• C a s h l o a d s l a r g e r .
• L o s s e s g e n e r a l l y o
c c u r w e l l a w a y f r o m
f r o n t d e s k i . e . n e a r
p a r k i n g d e c k .
• C o l l u s i o
n w i t h e m p l o y e e s .
• B o l t i n g / a n c h o r i n g ? ?
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
G r o c e
r y S t o r e s
• 5 % o f t o
t a l p l a c e m
e n t s , b u t 1
1 % o f l o s s
e s .
• E x p e r i e n c e a d v e r s e l y a f f e c t e d b y w e a t h
e r
l o s s e s i . e . H u r r i c a n
e I v a n a n d
F r a n c e s .
• N o t 2 4 x 7 .
• A T M s n
e a r e n t r a n c e . G e n e r a l l y l a r g e p
l a t e
g l a s s w i n d o w s .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
R e t a i l - O t h e
r
8 %
9 2 %
1 6 %
8 4 %
% T o
t a l P l a c e m e n t s
% T o t
a l L o s s e s
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
R e t a i l - O t h e
r
• R e t a i l –
O t h e r e n c o m p a s s e s a
w i d e a r r a y o f
l o c a t i o n
s s u c h a s p
h a r m a c i e s , d r y c l e a n e r s ,
t a x o f f i c
e s e t c .
• E s t i m a t e t h a t t h i s s e g m e n t r e p r e s e n t s 7 . 5 0 %
o f p l a c e m e n t s a n d
1 6 % o f l o s s e s .
• N o t 2 4 x 7 . A l a r m
a n d o t h e r
s e c u r i t y
m e a s u r e
s g e n e r a l l y w e a k .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
S i t e S
e l e c t i o n
T h e f o l l o w i n g r i s k a s s e s s m e n t s
s h o u l d b e
m a d e
b e f o r e p l a c e m e n t o f A T M s :
• S a f e t y o f
a l l s t a f f , A T
M u s e r s , a n
d t h e p u b l i c
;
• C r i m e h i s t o r y o f a r e a
a n d s i t e i t s e l f ;
• S i t e c o n d
i t i o n s i . e . l i g h t i n g , v i s i b i l i t y , t r a f f i c e t c . ;
• A T M p o s i t i o n i n g w i t h i n t h e p r e m
i s e s ;
• E x i s t i n g
s e c u r i t y m
e a s u r e s i . e
. a l a r m s ,
g a t e s ,
b o l l a r d s e t c .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
A T M
P o s i t i o n
• A w a y f r o m s t o r e f r o n t s / w i n d o w s ;
• A g a i n s t
w e l l - b u i l t
w a l l s ;
• L i m i t v e
h i c l e a c c e s s ;
• H i g h l y v i s i b l e a n d
w e l l - l i t a
r e a t h a t a l l o w s
m a x i m u
m
s u r v e i l l a n c e b y p a s s i n g t r a f f i c ,
c o u n t e r
s t a f f a n d o
t h e r c u s t o m e r s .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
A n c
h o r a g e
• S e c u r e l y
f i x A T M
t o c o n c r e t e
f l o o r t h r o u g h i t s
s e c u r i t y
c o n t a i n e r b y a m i n i m u m
o f f o u r
r e s i n
a n c h o r b o l t s ( 1 2 m m d i a m e t e r / m i n . d e p t h 1 5 0
m m ) ;
• B o l t A T M
t o a s t e
e l b a s e p l a
t e t h a t i s b o l t e d
t h r o u g h t
h e f l o o r j o i s
t s i f f l o o r i s
n o t c o n c r e t e
;
• C o n s i d e r
s p e c i a l t y b o
l t s ;
• S e c u r i t y
c o l l a r s a n d / o r a n t i - l a s s
o d e v i c e s s
h o u l d
a l s o b e u s e d , p a r t i c u l a r l y w i t h l a r g e r c a s h
l o a d s
a n d m o r e
l o s s p r o n e p l a c e m e n t s .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
P r e m i s e A
l a r m S y
s t e m s
• P r e m i s e
s s h o u l d
h a v e a l a r m
s y s t e m , b u t
“ s t a n d a r d ” s y s t e m
s g e n e r a l l y i n a d e q
u a t e .
H e r e ’ s w
h a t t o l o o k f o r :
– S y s t e m
m o n i t o r e d b y U L A
p p r o v e d C
e n t r a l
S t a t i o n M o n i t o r i n g C o m p a n y
– S y s t e m
a p p r o v e d b y U L
– S e c o n d a r y s i g n a l b a c k - u p i . e . c e l l u l a r o r r a d i o
– L o c a l
p o l i c e r e s p o
n s e
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
C l o s e d
C i r c u i t T V
• P r e m i s e
s s h o u l d
b e p r o t e c
t e d b y C C T V
w i t h c a m e r a v i e w i n g A T M -
b u t N O T A T M
k e y p a d !
• C C T V
m u s t b e
l i n k e d
t o
r e c o r d i n g
e q u i p m e n t . S e e m s o b v i o u s ,
b u t o f t e n
n o t
t h e c a s e .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
P r e m i s e
P r o t e c t i o n
• B o l l a r d s ;
• V e h i c l e - a r r e s t i n g s y s t e m s ;
• H i g h r i s
e c u r b i n g ;
• “ S t r e e t
F u r n i t u r e
”
i . e . r a
i s e d
p l a n t e r s ,
g a r b a g e
b i n s , l a m p
p o s t s e t c . ;
• M e t a l r o
l l e r s h u t t e r s a n d s e c u
r i t y g a t e s .
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
A d d i t i o n a l S e c u r i t y M e a s u r e
s
• A l a r m A
T M s
• T r a c k i n g S y s t e m s
• I n k S t a i n i n g / B a n k
N o t e D e g r a d a t i o n
• S m o k e S y s t e m s
• S e c u r i t y
G u a r d s
• A T M S i g n a g e
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T r a n s a c t i o n F l o w R i s k A s s e s s m
e n t
B a n k
C o r r e s p o n d e n t
A C
A C V a u l t
P r o
c e s s o r
A T M
F u n d s W i r e d
F u n d
s T r a n s p o
r t e d
T o / F r
o m V a u l
t
C a r d h
o l d e
r R e q u
e s t &
P r o c e s s
o r A p p
r o v a l
Fund
sTran
sportedTo/From
ATM
C a r d h
o l d e r ’ s B a n k
A p p r o v a l ?
A p p r
o v e d
C a r d h o l d e r ’ s A c c t . D e b i t e d
Funds Ret urned V ia ACH
I S O R e q u e s t s F u n d s
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T r a n s a c t i o n F l o w R i s k A s s e s s m
e n t
B a n k
C o r r e s p o n d e n t
F u n d s W i r e d
I S O R e q u e s t s F u n d s
D u e d i l i g e n c e o n C B p e r
R e g F
C B i n s o l v e n c y / t h e f t
B
a n k f u n d s a t C B
F u n d t r a n s f e r p r o c e d u r e s
F u n d s
s e n t i n c o r r e c t
b a n k / a
c c o u n t
B
a n k s e n d s f u n d s
t o C B
B a n k a u t h o r i z e d c a l l e r
l i s t
U n a u t h o r i z e d c a l l e r
B
a n k r e q u e s t s d r a w d o w n
f r o m B a n k V C a c c o u n t
R i s k M G M S t r a t e g y
R i s k
M
o v e m e n t
B
a n k T o C o r r e s p o n d e n t
B a n k
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
C o r r e s p o n
d e n t
A C
A C
V a u l t
A
T M
F u n d
s T r a n
s p o r t e
d
T o V a u l t
FundsTransp
orted
ToATM
A C i n s u r a n c e + B a n k T C I p o l i c y
R o b b e r y / t h e f t
A
C t r a n s p o r t s V C
a )
B a n k r e c o n c i l e m e n t o f A C v a u l t / A T M s
b )
A
C i n s u r a n c e + B a n k T C
I p o l i c y
a )
M i s r o u t i n g o f
V C
b )
R o b b e r y / T h e f t
A
C p r e p a r e s c a s h a t
v a u l t
a )
B a n k r e c o n c i l e m e n t o f A C v a u l t / A T M s
b )
A
C i n s u r a n c e + B a n k T C
I p o l i c y
a )
W r o n g a m o u n
t p i c k e d - u p
b )
R o b b e r y / T h e f t
A
C p i c k s u p c a s h a t C B
R i s k M G
M S t r a t e g y
R i s k
M
o v e m e n t
T r a n s a c t i o n F l o w R i s k A s s e s s m
e n t
A r m o r
e d C a r r i e r
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
A T M
T r a n s a c
t i o n F l o
w R i s k
A s s e s s m e n t
A u t o m a t e
d T e l l e r M a
c h i n e
a )
B a n k r e c o n c i l e
A T M s / V C A g r e e ? ?
b )
B a n k A T M p o l i c y
a ) “ M a l f u n c t i o n ”
b ) R
o b b e r y / T h e f t
V
C i n A T M
R i s k M G M S t r a t e g y
R i s k
M
o v e m e n t
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
C o r r e s p
o n d e n t
A C
A C
V a u l t
A
T M
F u n d
s T r a n
s p o r t e
d
T o / F r
o m V a u l t
FundsTransp
ortedF
romATM
T r a n s a c t i o n F l o w R i s k A s s e s s m
e n t
A r m o r
e d C a r r i e r a )
B a n k r e c o n c i l e A C v a u l t / A T M s
b )
A C i n s u r a n c e + B a n k
T C I p o l i c y
a )
M i s r o u t i n g o f V C
b )
R o b b e r y / T
h e f t
A C p r e p a r e s c a s h a t v a u l t f o r
r e d e p o s i t t o C B
A C i n
s u r a n c e + B a n k T C I p o l i c y
R o b b e r y / t h e f t
A C t r a n s p o r t s V C t o v a u l t
a ) & b ) B a n k r e c o n c i l e A C v a
u l t / A T M s
c ) A C
i n s u r a n c e + B a n k T C I p o l i c y
a )
M i s l o a d e d
A T M
b )
M i s r o u t e d
r e s i d u a l
c )
R o b b e r y / T
h e f t
A C r e m o v e s r e s i d u a l c a s h
a n d r e l o a d s A T M
R i s k M G M S t r a t e g y
R i s k
M
o v e m e n t
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T r a n s a c t i o n F l o w R i s k A s s e s s m
e n t
a )
B a n
k r e c o n c i l e
A C
v a u l t / A T M s
b )
A C
i n s u r a n c e +
B a n
k T C I
p o l i c y
a ) V
C d e p o s i t e d i n c o r r e c t
b
a n k / a c c o u n t
b ) R
o b b e r y / T h e f t
A
C t r a n s p o r t s V C t o C B
R M S t r a
t e g y
R i s k
M
o v e m e n t
A r m o r e d
C a r r i e r ( C o n t i n u e d )
A C
C o r r e
s p o n d e n t
F u n d
s T r a n s p o
r t e d
T o / F r
o m V a u l
t
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T r a n s a c t i o n F l o w R i s k A s s e s s m
e n t
B a n k
C o r r e
s p o n d e n t
F u n d s W
i r e d
C
o r r e s p o n d e
n t B a n k T o
B a n k
B a n k a u t h o r i z e d c a l l e r
l i s t a n d P I N v e
r i f i c a t i o n
( C B )
U n a u t h o r i z e d c a l l e r
B
a n k d i r e c t s C B t o w i r e
r e s i d u a l c a s h
R M S t r a t e g y
R i s k
M
o v e m e n t
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S o u r c e : A m
e r i c a n S p e c i a l R i s k , L L C
T r a n s a c t i o n F l o w R i s k A s s e s s m
e n t
C o r r e
s p o n d e n t
P r
o c e s s o r
C a r d h o
l d e r ’ s B a n k
A C
A C
V a u l t
A T M
I n t e r n a l R i s k M
G M
S
t r a t e g i e s / P r o c e d u r e s
I n t e r n a l R i s k M G M
S t r a t e g i e s / P r o c e d u r e s
C o n t r a c t s
+
I n s u r a n c e
T r a n s i t C o n t i n g e n t I n t e r e s t
A T M V C
B
a n k V C I n s u r
a n c e P r o g r a m
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2 1 2 S o u t h T
r y o n S t r e e t , S u i t e 1 7 8 0
C h a r l o t t e ,
N o r t h C a r o l i n a
2 8 2 8 1
T e l e p h o n e : 7 0 4 - 3 5 8 - 0 4
4 7
F a c s i m
i l e : 7 0 4 - 3 5 8 - 0 9 7 7
E - m a i l : m c o o n s @ a s r i s k . c o m
W e b S i t e : w w w . a s r i s k . c
o m