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Профессиональный Документы
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$20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $0
2000
2001
2002
Source: American Special Risk, LLC
2003
2004
2003 and 2004 affected by a few large losses excess $50,000+. While ATM replacement costs are decreasing, cash loads per ATM seem to be increasing. Average ATM load approx. $15,000 to $20,000. Common reason cited is cost of armored carrier replenishment. Average loss is close to maximum load ATMs getting hit after replenishment.
Source: American Special Risk, LLC
0.90%
0.80%
0.81%
0.70%
0.60%
0.50%
0.40%
0.30%
0.20%
0.00%
2000
2003
2004
Average loss size is increasing, but frequency of loss seems to be decreasing. More careful underwriting of book/acceptance/declination of locations having a positive affect. 2000 2002 perhaps exaggerated due to smaller portfolio/less spread of risk. 1 portfolio in particular is increasing average. Estimate that industry average is currently closer to 0.30% to 0.40%.
Source: American Special Risk, LLC
$6,000,000
$5,000,000
$3,000,000
$2,727,000
$2,000,000
$0
Assuming approximately 50,000 off-premise ATMs, estimated industry loss for ATMs and Cash is over $5,000,000 per year. ATM Physical Damage - 30% or $1,500,000. ATM Cash 70% or $3,500,000. ATM Removal 65% ATM B&E 35% Other 5% including fire, flood, hurricane, building collapse etc.
Source: American Special Risk, LLC
Location Type Apartment Bar/Tavern/Night Club Bingo/Gambling/Entertainment College/Education C-Store Department Store Gas Station/C-Store Grocery Store Health Care Hotel Liquor Store Mall Office Outdoor Festival/Park Restaurant Retail - Other
% Total $ Losses 0.47% 2.51% 5.85% 1.02% 9.53% 0.45% 22.42% 10.67% 0.23% 16.70% 0.80% 3.13% 0.47% 3.96% 5.83% 15.97%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
23%
17% 17%
11%
35%
65%
78%
% Total Placements
% Total Losses
Estimate that Gas Stations with Convenience Stores represent 35% of ATM placements and 22% of losses. While these locations produce the most losses, in relation to number of ATMs in this sector, incidents of theft generally good. Many locations 24 x 7. High traffic areas.
Source: American Special Risk, LLC
30%
70%
90%
% Total Placements
% Total Losses
Estimate that stand-alone Convenience Stores represent 30% of ATM placements and 10% of losses. Again, while these locations produce a large number of losses, in relation to number of ATMs in this sector, incidents of theft generally good. Many locations 24 x 7. High traffic areas.
Source: American Special Risk, LLC
Bar/Tavern/Night Club
7%
3%
93%
97%
% Total Placements
% Total Losses
Bar/Tavern/Night Club
Estimate that this segment represents 7% of total placements and produces 3% of losses. Generally open long hours, particularly late evening when most losses occur. Security presence and alarm systems good.
Hotels
3%
17%
97%
83%
% Total Placements
% Total Losses
Hotels
Estimate that hotels make up approximately 3% of total placements, but account for 17% of losses. Cash loads larger. Losses generally occur well away from front desk i.e. near parking deck. Collusion with employees. Bolting/anchoring??
Source: American Special Risk, LLC
Grocery Stores
5%
11%
95%
89%
% Total Placements
% Total Losses
Grocery Stores
5% of total placements, but 11% of losses. Experience adversely affected by weather losses i.e. Hurricane Ivan and Frances. Not 24 x 7. ATMs near entrance. Generally large plate glass windows.
Retail - Other
8%
16%
92%
84%
% Total Placements
% Total Losses
Retail - Other
Retail Other encompasses a wide array of locations such as pharmacies, dry cleaners, tax offices etc. Estimate that this segment represents 7.50% of placements and 16% of losses. Not 24 x 7. Alarm and other security measures generally weak.
Source: American Special Risk, LLC
Site Selection
The following risk assessments should be made before placement of ATMs: Safety of all staff, ATM users, and the public; Crime history of area and site itself; Site conditions i.e. lighting, visibility, traffic etc.; ATM positioning within the premises; Existing security measures i.e. alarms, gates, bollards etc.
Source: American Special Risk, LLC
ATM Position
Away from store fronts/windows; Against well-built walls; Limit vehicle access; Highly visible and well-lit area that allows maximum surveillance by passing traffic, counter staff and other customers.
Anchorage
Securely fix ATM to concrete floor through its security container by a minimum of four resin anchor bolts (12mm diameter/min. depth 150mm); Bolt ATM to a steel base plate that is bolted through the floor joists if floor is not concrete; Consider specialty bolts; Security collars and/or anti-lasso devices should also be used, particularly with larger cash loads and more loss prone placements.
Source: American Special Risk, LLC
Premises should have alarm system, but standard systems generally inadequate. Heres what to look for:
System monitored by UL Approved Central Station Monitoring Company System approved by UL Secondary signal back-up i.e. cellular or radio Local police response
Source: American Special Risk, LLC
Too often, alarm systems fail to prevent thefts for the following reasons:
Phone lines cut: no secondary transmission & line not being monitored Alarm system doesnt cover ATM Employee forgot to activate system Police response/smash & grab. Weak bolting means ATM gone in less than 10 minutes and police not on scene.
Source: American Special Risk, LLC
Closed Circuit TV
Premises should be protected by CCTV with camera viewing ATM - but NOT ATM keypad! CCTV must be linked to recording equipment. Seems obvious, but often not the case.
Premise Protection
Bollards; Vehicle-arresting systems; High rise curbing; Street Furniture i.e. raised planters, garbage bins, lamp posts etc.; Metal roller shutters and security gates.
Source: American Special Risk, LLC
Source: American Special Risk, LLC
Alarm ATMs Tracking Systems Ink Staining/Bank Note Degradation Smoke Systems Security Guards ATM Signage
Bank
ATM
Funds Transported To/From ATM
AC Vault
Approval? Approved
Cardholders Bank
Processor
Bank
Risk
Risk MGM Strategy Bank authorized caller list Fund transfer procedures Due diligence on CB per Reg F
Bank funds at CB
Movement
AC picks up cash at CB
AC transports VC
Correspondent
AC
ATM
Risk MGM Strategy Bank reconcile ATMs/VC Agree?? Bank ATM policy
VC in ATM
Bank
Approval? Approved
Cardholders Bank
Processor
Movement
AC transports VC to vault
Correspondent
AC
ATM
Movement
AC transports VC to CB
a)
b) Robbery/Theft
a) b)
Correspondent
AC
Bank
Risk
Internal Risk MGM AC Vault AC Strategies/Procedures Contracts + Insurance Source: American Special Risk, LLC
212 South Tryon Street, Suite 1780 Charlotte, North Carolina 28281 Telephone: 704-358-0447 Facsimile: 704-358-0977 E-mail: mcoons@asrisk.com Web Site: www.asrisk.com