ACAMS 11th Annual AML & Financial Crime Conference

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Anna M. RentschlerKeynote Address Day One
Janes Rhodes-Wolfe
Section Chief
Terrorism Financing Operations Section (TFOS), FBI

Ms. Rhodes-Wolfe entered on duty with the FBI in 1996 and was assigned to the New York Field Office where she investigated White Collar Crime and Counterterrorism violations. She served as a member of the Evidence Response Team (ERT), and in 2000 was deployed with ERT to Yemen following the attack on the USS Cole where she oversaw the collection and transport of evidence for the investigation into the attacks. On the morning of September 11th, 2001, ASAC Rhodes-Wolfe responded to the World Trade Center where she assisted with the FBI’s efforts in investigating the attacks and aiding victims. Her work on the investigation continued and in early 2002 she became a member of the PENTTBOM investigative team and the investigation of terrorist Zacarias Moussaoui.

In October 2003, she became a Supervisory Special Agent (SSA) at FBIHQ in the Office of Congressional Affairs. She was responsible for liaison with key Congressional members and staff of the Senate and House Appropriations and Intelligence Committees.

She was transferred to the Chicago Field Office in January 2006 where she served as the SSA of a Joint Terrorism Task Force and Domestic Terrorism squad. In addition to her operations responsibilities, she played a key role in Citizen’s Academy, public relations and employee development matters.

In 2009, she was promoted to Assistant Inspector at FBI HQ in the Inspection Division. She conducted reviews of FBIHQ and field office functions, responded to shooting incidents, conducted special emphasis inspections, and established protocols for Inspection Division operations.

Michael HudsonKeynote Address Day Three
Michael Hudson
Senior Editor
International Consortium of Investigative Journalists

Michael Hudson is a senior editor at the International Consortium of Investigative Journalists and a former staff writer at the Wall Street Journal. He is currently helping lead ICIJ’s “Offshore Leaks” investigation, which has sparked official investigations around the world and helped provoke European powers to seek new initiatives to fight offshore secrecy. His investigations of mortgage and banking fraud has won a George Polk Award and other honors and prompted commentators to call him the reporter “who beat the world on subprime abuses” and “the Woodward/Bernstein of the mortgage crisis.” He is author of THE MONSTER: How a Gang of Predatory Lenders and Wall Street Bankers Fleeced America—and Spawned a Global Crisis, which was named 2010 Book of the Year by Baltimore City Paper.

Vikas AgarwalVikas Agarwal
Managing Director

Vikas is a Managing Director within the advanced risk and compliance analytics practice for Risk Assurance within PwC. Vikas leads the financial services vertical within the practice focused on fraud, AML, risk, and regulatory reporting. He is responsible for solution development and deploying business intelligence and analytical techniques using a myriad of vendors.

Prior to joining PwC, Vikas was the global head of analytics for Goldman Sachs where he served in the Internal Audit department. There, he led a team responsible for utilizing analytics to conduct more effective and efficient analysis using advanced analytics within risk assessments, audits, and continuous monitoring.

Vikas is currently a candidate for his M.B.A. from Columbia Business School. He has previously completed the Certified Regulatory Professional program from the University of Pennsylvania, messaging standard changes and their resultant operational and technology impact.

Maleka AliMaleka Ali, CAMS
Director of Customer Relations
Banker's Toolbox

Maleka has served the financial community in areas including Operations, Fraud, Compliance and Risk Management. She worked at several banks including 1st Century, Commercial Capital, Pacific Century/California United, Gilmore and Crocker Bank. She joined Banker's Toolbox in 2005.

CAMS certified since 2005. Experience includes compliance, operations, fraud/risk, product development, marketing, creation of two "denovo" banks and assisted in several mergers, acquisitions and conversions. 

Maleka was a faculty member at ACB's National School of Banking and founded a BSA school in Texas. She has spoken at national conferences, including ACFE, ABA/AML, WCAML, and multiple regional groups, addressing BSA/AML compliance, risk assessments, and fraud.

Working with over 750small/mid-sized institutions on how to utilize automated monitoring systems, she also conducts multiple risk assessments and program evaluations.

Lisa ArquetteLisa D. Arquette,CAMS
Associate Director
Division of Risk Management Supervision
Federal Deposit Insurance Corporation (FDIC)

Lisa is responsible for the FDIC's policy, guidance, and examination procedures related to the Bank Secrecy Act (BSA), anti-money laundering (AML), counter-financing of terrorism (CFT), Office of Foreign Assets Control, and the FDIC's international assistance related to AML/CFT initiatives.  Ms. Arquette is also responsible for oversight of the FDIC's application process related deposit insurance, mergers, changes of control, and transactions associated with private investors' acquisition of failed institutions.

Previously, Ms. Arquette administered programs related to fraud, fiduciary activities, government and municipal securities dealers, registered transfer agents, and the FDIC's background check process. 

Ms. Arquette previously served as the Chairperson of the Federal Financial Institutions Examination Council's BSA/AML Working Group and represents the FDIC on the BSA Advisory Group.  Ms. Arquette has a Master of Business Administration, University of Houston, Bachelor of Criminal Justice New Mexico State University, graduated from the Stonier Graduate School of Banking, Georgetown University, and is a certified Anti-Money Laundering Specialist.

no photoBrian Arrington, MBA, CAMS
Federal Reserve Bank of Chicago

Brian Arrington is an Examiner with the Federal Reserve Bank of Chicago.   He has over 15 years of experience in the financial services industry with broad exposure to compliance matters across a diverse range of institutions. Prior to joining the Federal Reserve Bank, Brian served as a BSA/AML and OFAC compliance consultant for a "Big 4" accounting firm where he provided advisory services for a number of large complex financial institutions. Brian has also worked as a BSA/AML and OFAC Compliance Officer for a large bank in the Chicagoland area, where he was the national process coordinator for BSA/AML investigations, OFAC processes, and BSA/AML/OFAC compliance management.

Throughout his career, Brian has assisted financial institutions with approaches to BSA/AML and OFAC regulatory compliance, fraud, risk management and controls, policies, procedures, and operations management strategies as well as the process integration of BSA/AML and OFAC Information Technology solutions.

Brian earned his dual MBA from the Kellstadt Graduate School of Business, DePaul University in International Economics and Business Management. He is a Certified Anti-Money Laundering Specialist (CAMS) and a member of the Executive Board of the ACAMS Chicago Chapter, serving as Communications Director.

no photoGraham Bailey
Director of Financial Crime Analytics
Wells Fargo

Graham is the Senior Vice President Wells Fargo Bank, Financial Crime Analytics within Financial Crime Risk Management responsible for AML, Fraud, Global Anti-Corruption, FATCA and Due Diligence analytics for Wells Fargo Bank & Co. He has 19 years risk management experience within financial services over three continents and has delivered multiple AML and Fraud solutions for tier one financial institutions globally.

Graham specializes in the design, implementation and operation of intelligent enterprise systems for Anti-Money Laundering, Fraud and Risk Management control, prevention and detection within retail, corporate, global correspondent and private banking, brokerages, insurance, credit card and stock exchanges/dealing environments.

Graham has an academic background in mathematical modeling with honors, and MBA and was trained by Ernst & Young consulting in Business Process Re-engineering and Change Management.

Prior roles include Principal for West Coast Professional Services at Fortent and Global Product Manager at Searchspace Corp responsible for developing the Searchspace global AML product offerings, E-commerce at Royal Bank of Scotland, Regulated Sales Compliance at NatWest Bank and Statistician at the Ministry of Defence, UK.

Terry Baker-Smith, CAMSTheresa Baker-Smith, CAMS, CFE, CPA
Director, Financial Industry Advisory Services
Alvarez & Marsal

Theresa Baker-Smith is a Director with Alvarez & Marsal Financial Industry Advisory Services in Houston, Texas. She specializes in the Financial Services Industry. Her primary areas of concentration are BSA/AML management.

With more than 25 years of banking experience, Ms. Baker-Smith has held senior management positions in Internal Audit, Corporate Compliance and Corporate Investigations/Due Diligence. Her previous experience includes the implementation of the Corporate Investigations & Due Diligence team for Sky Financial Group, Director of Corporate Compliance and over ten years in Internal Audit including the Director position for five years. Her roles have involved working directly with Executive Management, Board of Directors and regulatory examiners. 

Prior to joining A&M, Ms. Baker-Smith spent over three years with TD Bank near Portland, Maine, where she most recently served as Senior Vice President, Director of BSA/AML Compliance. While at TD, Ms. Baker-Smith managed the personnel and resources of the AML, BSA, CIP, EDD and OFAC teams. She was responsible for the oversight of the BSA/AML programs for the affiliates of the corporation including TD Bank, N.A., TD Bank USA, N.A., TD Wealth Management Services, Inc. and TD Insurance. Her key accomplishments during her tenure at TD included the implementation of SAS transaction monitoring software, the development of the AML Department and Line of Business Quality Control Program; a Technology & Analytics team and Enhanced Due Diligence program. She also managed the integration of Commerce Bank and TD Banknorth, N.A.

Ms. Baker-Smith earned a Bachelor of Science degree in Accounting and Marketing from Clarion University of Pennsylvania. She is as a Certified Public Accountant (CPA), Certified Anti-Money Laundering Specialist (CAMS) and Certified Fraud Examiner (CFE). She is a member of ACAMS, ACFE, AICPA, OSCPA and a former member of the Pittsburgh and New England chapters of the IAFCI. Ms. Baker-Smith has been a speaker for a number of professional organizations and an Instructor for the Western Pennsylvania FBI Academy. She also completed the Penn State University Executive Management Program and the BAI National Compliance School in Norman, Oklahoma.

Cynthia A. Barie, CAMS Vice President AML OperationsCynthia A. Barie,CAMS
Vice President, AML Surveillance Operations, Tuning & Optimization

Cindy has over twenty-five years in the financial services industry including operations consulting, conversions, product management, project management, operations analysis, business analysis and management. Cindy has worked in AML for over 7 years at two major financial institutions. Her her work included transaction monitoring system implementation, risk integration, case management system development and implementation, and establishing tuning and optimization functions. She is currently furthering optimization through statistical analysis and modeling. In February of 2012, Cindy was named the Chairman of the Oracle SMART user group.

Ann BartleyAnn Bartley, CAMS 
Vice President, Senior AML Compliance Manager 
Bank of America

Ann Bartley is a Senior AML Compliance Manager within Bank of America's Global Financial Crimes Compliance North America Group. She has over 15 years of banking experience, eleven of which have been directly in BSA/AML Compliance. In her current role, she provides compliance oversight and support to Bank of America's Global Commercial and Corporate Banking businesses on matters dealing with financial crime. These duties include performing risk assessments, conducting monitoring and testing, facilitating training and providing subject matter expertise to business and compliance counterparts. Her primary focus area is higher risk client segments, such as Money Services Businesses (MSBs), Casino's and other Non-Bank Financial Institution clients. Prior to joining Bank of America, Ann held key positions within the Anti-Money Laundering (AML) Department with Wachovia Bank, which included managing the company's Enterprise AML Training Program; leading the OFAC Compliance Team and spearheading the company's first ever company-wide OFAC Risk Assessment. Ms. Bartley is CAMS certified and holds a B.A. in Political Science from Radford University.

Elizabeth Paige Baumann
Vice President, Chief Anti-Money Laundering Officer
Fidelity Investments 

Elizabeth Paige Baumann is Fidelity's Chief Anti-Money Laundering Officer and has played a key role in the development and enhancement of the Fidelity financial institutions' anti-money laundering (AML) programs since April of 2002. Ms. Baumann is currently co-chair of SIFMA's AML and Financial Crimes Committee. She also represents ICI on several sub-committees of the Bank Secrecy Act Advisory Group (BSAAG). Ms. Baumann has been with Fidelity since September 1999. Prior to Fidelity, she worked at Charles Schwab in San Francisco for 6 years. Ms. Baumann earned her J.D. from the Tulane School of Law and her B.A. from Trinity College in Hartford, Connecticut. She is a member of both the California and Massachusetts bars.

Steven Beattie, CAMS Steven (Steve) Beattie, CAMS
Principal, Financial Services
Ernst & Young LLP

Steve is the Anti-Money Laundering (AML) services leader for EY. He brings operational, technology and process improvement experience starting with his prior risk and controls assessment leadership role within a global financial services company. He is responsible for America's leadership and global coordination of EY’s AML and economic sanctions-related efforts across banks, asset managers, broker/dealers and insurance companies. He brings extensive hands-on experience in compliance organization/structure, risk assessment and mitigation, control assessment and operational and technology improvement strategies. Steve has worked and presented with various regulatory authorities as firms have endeavored to address regulatory expectations, and is a frequent speaker on current and emerging topics and challenges. Most recently, he has been a leader of industry roundtables for addressing emerging OFAC-related challenges, with particular focus on the future implications of SWIFT messaging standard changes and their resultant operational and technology impact.

Kieran BeerKieran Beer

Kieran Beer has been the editor-in-chief and editorial director for since January 2007. Prior to that he was executive editor of Bloomberg Wealth Manager, a trade magazine for financial advisers to wealthy individuals, and he also served as a staff writer for Bloomberg Markets Magazine. Beer has been a financial journalist for more than 20 years, beginning his career at Institutional Investor, where he worked as a reporter and editor in the newsletter division and was a contributor to Institutional Investor magazine. Beer served as editor-in-chief of The Bond Buyer, founding editor of Thomson Municipal News/The Bond Buyer Wire and as the editor of the American Banker. Beer writes a column and periodically reports on money laundering and bank compliance. He has served as a panelist and moderator at industry conferences and appeared on CNN, CNBC, WCBS and spoken on NPR and Bloomberg radio (WBBR).

Cynthia A. Barie, CAMS Vice President AML OperationsLauren D. Bensinger
Vice President, Anti-Money Laundering Compliance
ING Investment Management US

Lauren D. Bensinger is MLRO for ING U.S., coordinating anti-money laundering and sanctions policies and procedures and activity across the ING U.S. organization. Lauren also serves as the BSA Officer for ING Investment Management, ING Investments Distributor, LLC and is the Board of Director approved MLRO for the ING Funds. In these roles, Lauren has direct responsibility for anti-money laundering controls, processes and procedures for the ING Funds, the Funds’ distributor, all ING Investment Management advisers and the ING Investment Management Trust Co. Prior to becoming the BSA Officer of ING IM, she was the Chief Compliance Officer of ING Funds Distributor, LLC.

Laurence Birnbaum-SarcyLaurence Birnbaum-Sarcy
Managing Director and Global Advisory Leader- FATCA

Laurence serves as the Global Advisory Leader for KPMG’s FATCA services and provides investigative consulting services, as well as internal money laundering and fraud investigations, for Financial Institutions (FIs). She also provides independent compliance and monitoring services for the public and private sector. She came to KPMG’s Forensic practice from Salans law firm, where she conducted AML, Bank Secrecy Act (BSA), and Office of Foreign Assets Control (OFAC) legal and regulatory compliance investigations of international FIs; reviewed policies and procedures. Laurence also worked in the legal divisions of Société Générale, New York, and Crédit Lyonnais, Paris.

Nicholas Bogdan, CAMSNicholas Bogdan, CAMS
Bogdan Consulting Services

Nicholas Bogdan is president and founder of Bogdan Consulting Services, LLC, a company that provides information technology and data analytic services to federal government clients. Since 2004, Mr. Bogdan has provided data exploitation expertise to the FBI's Counterterrorism Division. He specializes in the bulk exploitation and analysis of financial datasets and has created innovative tools, analyses, and processes used throughout the FBI and other U.S. government agencies. Mr. Bogdan holds a B.A. from Vanderbilt University.

Brent S. BramwellBrent S. Bramwell, CAMS, CIA, CFSA, CRMA
Senior Manager – Internal Audit

Brent Bramwell is a Senior Manager in the PayPal Internal Audit Department with responsibilities for global audits of compliance, AML and risk management.  He has over ­­15 years of progressive leadership experience in various roles in financial services spanning Internal Audit, Compliance Testing, Internal Control and Operation Management.  He has held both US centric and global roles at PayPal, American Express, Goldman Sachs and GE Capital.  He is an active member of ACAMs and the Institute of Internal Auditors (IIA).  He maintains professional licenses as a CAMS, CIA, CFSA and CRMA. 

Stephanie BrokerStephanie Brooker
Acting Associate Director, Enforcement Division
Financial Crimes Enforcement Network (FinCEN)
US Treasury Department

Stephanie is the Acting Associate Director, Financial Crimes Enforcement Network (FinCEN), Enforcement Division. In this capacity, Stephanie oversees FinCEN’s Bank Secrecy Act enforcement and compliance program and actions under Section 311 of the Patriot Act. Stephanie previously served as FinCEN’s Chief of Staff and as Senior Advisor to the Director. Before joining FinCEN, Stephanie was the Chief of the Asset Forfeiture and Money Laundering Section at the U.S. Attorney’s Office for the District of Columbia from June 2010 until October 2012. During part of 2012, Stephanie also simultaneously served as Acting Deputy Chief of the Criminal Division. Stephanie joined the U.S. Attorney’s Office in 2005. As an Assistant United States Attorney, Stephanie investigated and prosecuted a wide range of cases in both the U.S. District Court for the District of Columbia and in D.C. Superior Court. She also briefed and argued criminal cases in the U.S. Court of Appeals for the D.C. Circuit and in the D.C. Court of Appeals. Following law school, Stephanie joined the law firm of Hogan and Hartson as an Associate in the Appellate Practice Group. She then clerked for the Honorable James Robertson, U.S. District Court for the District of Columbia, and for the Honorable Diana Gribbon Motz, U.S. Court of Appeals for the Fourth Circuit. Following her clerkships, Stephanie returned to Hogan and Hartson as an Associate. Stephanie earned her Juris Doctorate degree, magna cum laude, from the Georgetown University Law Center in 2001. While at Georgetown, she served as the Managing Editor of the Georgetown Law Journal. Stephanie earned her Bachelor of Science degree, with highest distinction, in Journalism in 1996 from Northwestern University’s Medill School of Journalism.

Thomas BrownThomas Brown, CAMS
Senior Vice President, Financial Services

Thomas Brown has more than two decades of experience in financial services, credit, and scoring. He joined LexisNexis Risk Solutions in Boca Raton, Florida, following their acquisition of Seisint in late 2004. Brown leads the development of product and market strategy for Financial Services Solutions, which includes solutions for Anti-Money Laundering, KYC, fraud prevention, financial investigations and first-party collections that are used by leading global  banks and financial institutions. Prior to joining LexisNexis, Brown was a Principal at an NYC-area consulting firm developing profit-based analytics and strategies for the nation's largest credit card issuers.  Brown also has served as a Senior Vice President with First Data, managing scoring and credit risk products for First Data's issuing clients. He began his career with First of America Bank Corporation, in Kalamazoo, Michigan, leading loan administration, loan review, and credit policy functions at both bank and holding company levels. 

Brown has both an MBA with a concentration in Financial Management and a BBA in Finance from Western Michigan University (WMU). He has also pursued post graduate study in Economics at WMU. 

John J. ByrneJohn J. Byrne, Esq., CAMS
Executive Vice President

John joined ACAMS as Executive Vice President. John is an internationally-recognized regulatory and legislative attorney with over 25 years of experience in financial services issues, with expertise in regulatory oversight, policy and management, anti-money laundering, privacy and consumer compliance. He was most recently President of Condor Consulting, LLC and prior to that the Global Regulatory Relations Executive for Bank of America and the Director of the American Bankers Association's Center for Regulatory Compliance. John has received a number of awards, including the Director's Medal for Exceptional Service from the Treasury Department's Financial Crimes Enforcement Network (FinCEN) and the ABA's Distinguished Service Award for his career work in the compliance field.

Paul Camacho Paul Camacho
Special Agent in Charge 
US Department of the Treasury, Internal Revenue Service, Criminal Investigation (IRS-CI)

Paul is the IRS CI Special Agent in Charge of the Las Vegas Field Office overseeing all criminal investigations occurring in Nevada and Utah. He is a Certified Public Accountant (inactive) and a graduate of California State University East Bay. His previously held positions include IRS CI Assistant Special Agent in Charge of the Seattle Field Office and IRS CI Senior Analyst (Washington, DC).

Paul was a keynote speaker at the 2011 Casino Symposium in Singapore sponsored by the Singapore government. He has given presentations on casino money laundering detection to various groups including high ranking Mexican government officials, Panama gaming regulators and casino internal auditors.

James Candelmo, CAMSJames Candelmo, CAMS
Executive Compliance Director and BSA/AML Officer
Ally Financial Services

Jim is responsible for all anti-money laundering investigations, operations, programs and global sanctions as well as other compliance activities.

Before joining Ally, Jim was the Deputy Criminal Chief (Terrorism/National Security) for the United States Attorney’s Office in Raleigh, North Carolina, where he was responsible for investigation and prosecution of all national security cases. Prior to that, Jim served as a Senior Trial Attorney with the Department’s elite Counter Espionage Section and Fraud Section. He is a veteran of both the Department’s New England Bank Fraud Task Force and San Diego Bank Fraud Task Force.

Nelson Cardona Nelson Cardona
Managing Director, Head of Program Strategy and Execution - Global Sanctions and Anti-Bribery & Corruption Compliance

Nelson is the Head of Program Strategy and Execution for Sanctions and Anti-Bribery & Corruption (AB&C) Compliance at Citigroup. He is responsible for the strategic design, execution and oversight process for the elements of the firm-wide Global Sanctions and AB&C compliance programs. Nelson re-joined Citigroup from Barclays where he was the Corporate and Investment Bank's Global Head for Sanctions, Anti-Bribery and Anti-Corruption.  Prior to Barclays, he worked at Citigroup for 15 years, where he held in-house legal counsel and senior compliance positions.  He holds degrees in Law and Industrial Engineering.

Vasilios P. ChrisosVasilios P. Chrisos, CAMS
Managing Director
Macquarie Capital (USA)

Vasilios is the Americas Anti-Money Laundering (AML) and Economic Sanctions director for Macquarie, Australia’s largest investment bank. He is responsible for managing the company’s AML and sanctions programs across all business groups and legal entities in North and South America. This includes coordinating the completion of risk assessments, developing and implementing policies and procedures, ensuring employees receive periodic AML training, acting as an adviser to stakeholders regarding AML/CTF and sanctions matters, managing investigations, as appropriate, ensuring Suspicious Activity Reports are prepared and filed timely, performing compliance testing, participating in the new business/product approval process, and chairing various AML Working Groups across the region. Prior to joining Macquarie, Vasilios helped lead Ernst and Young’s AML advisory practice by managing projects at large, complex institutions.

Hector X. ColonHector X. Colon
Unit Chief, Trade Transparency Unit, Financial, Narcotics & Special Operations Division
Homeland Security Investigations (HSI), US Immigration and Customs Enforcement (ICE)

Mr. Hector X. Colon is the Unit Chief for the Trade Transparency Unit, Financial, Narcotics and Special Operations Division (Division 2), Homeland Security Investigations (HSI), where he has programmatic oversight over HSI trade-based money (TBML) investigations and operations world-wide. He is responsible for developing international and domestic initiatives designed to identify, investigate and prosecute terrorists and transnational criminal organizations that move and launder their illicit funds through complex schemes involving global trade. Mr. Colon began his federal law enforcement career in 1997 with the former U.S. Customs Service in San Juan, Puerto Rico, specializing in financial crimes, Customs fraud, cybercrimes, and computer forensics. He has served in a variety of leadership positions for HSI in both foreign and domestic assignments, including as Unit Chief for HSI's Illicit Finance and Proceeds of Crime Unit. Mr. Colon is an honors graduate (Cum Laude) of the University of Puerto Rico in Arecibo and is currently pursuing a Master's Degree in Management at Johns Hopkins University.

Christopher W. Cuzzucoli, CAMS Christopher W. Cuzzucoli, CAMS
AML/OFAC Officer
Charles Schwab & Co, Inc. / Charles Schwab Bank

Chris Cuzzucoli joined Schwab in March 2010 as the AML/OFAC Officer for Charles Schwab & Co., Inc., and was later appointed to the same position for Charles Schwab Bank and Charles Schwab Global Services, a money service business.  He also is the officer responsible for Schwab's Anti-Bribery program.

Cuzzucoli’s career has included positions in the legal, compliance, operational and risk management areas of AML.  Prior to joining Schwab, Cuzzucoli served as North American Head of AML for Barclays Corporate Bank, and previously served in the same capacity for TD Bank USA/TD Ameritrade and Dresdner Kleinwort Wasserstein/Dresdner Bank.  While at Citi, he served in various roles, including Global Head of AML and Global Head of Account Intelligence Units for Global Transaction Services, and as AML Counsel for Salomon Smith Barney.

Cuzzucoli started his career on Wall Street working on securities litigation and has 17 years of experience in banking and securities.  He is a member of the Bar in New York, Colorado and Washington, DC, has his Series 99 license, is a Certified Anti-Money Laundering Specialist (CAMS), and has presented at AML conferences in Africa, Asia, Europe and the Caribbean. Cuzzucoli is a member of the Securities Industry and Financial Markets Association (SIFMA) AML Committee, and served on the 2011 ACAMS Conference Task Force, and as the Co-Chair of the 2012 ACAMS Conference Task Force.

Christopher W. Cuzzucoli, CAMS Tara M. Dabek, CAMS, AMLP, AAP
Anti-Money Laundering / Fraud Project Manager

Tara Dabek is a member of the U.S. AML Team of BMO Harris, where she serves as Compliance Analyst. She joined BMO Harris in July 2012 and is heavily involved with AML risk assessment related duties.  Prior to joining BMO Harris, Tara worked as a VP & BSA Manager at Citizens First National Bank and as a Bank Consultant Supervisor for Lindgren, Callihan, Van Osdol& Co., Ltd. for over five years, specializing in BSA, ACH, and Compliance. Tara graduated with her Bachelor of Science Degree in Accountancy from Northern Illinois University, DeKalb, Illinois in 2004.  She earned her Certified Anti-Money Laundering Specialist (CAMS) designation in 2005, her Anti-Money Laundering Professional (AMLP) designation in 2007, and her Accredited ACH Professional (AAP) designation in 2008. She also serves as Co-Secretary of the ACAMS Chicago Chapter. 

Steve T. DaytonSteve T. Dayton
Senior Vice President, Anti-Money Laundering Data Analytics Group Manager

Steve T. Dayton has celebrated 20 years at Citigroup, 13 years in AML.  He holds a BS in engineering/scientific studies and an MA in social-personality psychology with research in human assessment.

Prior to AML, Steve built predictive models for direct mail credit card campaigns, managed a cooperative research and development agreement with Lockheed Martin to bring new technology to the campaigns, and managed an IT team within HR systems.

In 2001, Steve managed the automation of AML Operations’ processes.  Steve and team codified the investigative analysts’ thought processes and wrote the first Mantas business rules for banking as well as implementing Citi’s first AML data warehouse and case management tool.  He was the engagement manager for the Americas major implementations including Citi’s largest franchise, Banamex in Mexico. He is an active member of the Strategic Mantas AML Round Table (SMART) and facilitates the SMART Data Visualization focus group. 

With a background in technology, psychology and research, he is fascinated by human cognitive processes and perception.  As the father of a 3D artist and modeler for Pixar, he has had the opportunity to see how the blend of art and technology is used to tell great stories. He is currently exploring data visualization techniques with his team, looking into “Big Data” and new ways to enhance visibility of the AML journey across Citi.

Tara M. DabekSandra L. DePoalo
Managing Director, AML Compliance, Head of AML Monitoring & International AML Compliance
Bank of New York Mellon

Sandra is a Managing Director and the Global Head of Legal/Compliance/Anti-Money Laundering (AML) Audit at BNY Mellon. She is currently responsible for the company’s Legal, Compliance, and AML audit coverage, as well as the AML Audit department training program.

Prior to joining BNY Mellon in March of 2009, she was a First Vice President and Audit Manager in the Corporate Audit department at Merrill Lynch, responsible for the firm’s audit coverage of AML, Legal, Compliance, Research, Investment Banking and Global Private Equity. Before joining the Corporate Audit department, Sandra was the Global Economic Sanctions Counsel in Merrill Lynch’s Anti-Money Laundering Compliance group.  In this role she was responsible for issues involving OFAC and global economic sanctions, including the development and implementation of a firm-wide global sanctions scanning system. Additional responsibilities included money laundering prevention, FCPA compliance, government official entertainment, political contributions and lobbyist registration/reporting

Sandra held various roles in her tenure at Merrill Lynch, including Senior Counsel in the Regulatory Law group, Counsel in the Corporate Law department and Compliance Counsel for the Municipal Markets department.  She received her BA from Douglass College-Rutgers University and her JD from Pace University School of Law.  Sandra is admitted to practice in NY and NJ.

John Dunning, CAMS
Director, Citibank
Global AML Advisory Lead, Citi Commercial Bank

John Dunning is a Director at Citibank and is the global AML Advisory Lead for Citi Commercial Bank. He works closely with global business and internal partners to ensure Citi Commercial Bank has effective AML controls. Prior to joining Citi, John was at Bank of America for 5 years where he held several AML leadership positions including roles as the Corporate and Commercial Bank AML Executive and Consumer Banking AML Executive. Prior to that, John worked at Wachovia Bank for 10 years in a variety of operations, business, and compliance roles, including Compliance Manager for the Treasury Services business. John received his Economics degree from University of North Carolina. John, his wife, and two children live in Charlotte, NC.  

Jamal El-HindiJamal El-Hindi
Associate Director, Policy Division
Financial Crimes Enforcement Network (FinCEN)

Jamal El-Hindi is the Associate Director for the Policy Division of the Financial Crimes Enforcement Network (FinCEN).  In this capacity, he oversees the regulatory and strategic policy functions for the Agency. Prior to assuming this position, Mr. El-Hindi served as the Associate Director for Program Policy & Implementation at the Office of Foreign Assets Control in the U.S. Department of the Treasury from June 2005 to June 2006. In that capacity he oversaw OFAC’s Compliance Outreach Division, Licensing Division and Policy Division.

Previously, he was an Attorney-Advisor in the Office of Chief Counsel (Foreign Assets Control) within Treasury’s Office of the General Counsel, where he served as a legal advisor on various economic sanctions programs. Before joining Treasury in December 2000, Mr. El-Hindi was an associate at Patton Boggs LLP in Washington, D.C., where his practice focused on U.S. regulation of international business transactions, representation of foreign sovereigns and international banking litigation.  He is a past president of the Washington Foreign Law Society.

Mr. El-Hindi graduated from the University of Michigan Law School, received a Master of Arts in Modern Middle Eastern & North African Studies from University of Michigan, a Diploma in International Relations from the London School of Economics & Political Science, and an undergraduate degree in Journalism from the University of North Carolina.

Alejandra Elsea-BelousekAlejandra Elsea-Belousek, CAMS
Director, Global Cards

Alejandra is an international compliance professional with more than 10 years of experience, she joined PayPal, market leader in Internet and merchant payment services and processing, as a senior compliance manager in 2004 and since 2008 she has been the Director, Global AML Compliance for PayPal Europe, where she was in charge of building e-money CIP/KYC strategy globally, designing, implementing and maintaining country risk framework, and working to decrease AML operational costs without increasing AML risk. Among other achievement with PayPal, Alejandra worked directly with Canadian and U.S. regulators and government officials on draft legislation and worked in collaboration with U.S. Treasury Department to develop International Law Enforcement Guide to Internet Payment Systems. Alejandra is a consultant and faculty member for the AML Training Institute of Comptegrity, Inc., which provides a broad-range of professional compliance training and consulting. Previously she worked as Regional Manager for America’s Software Corp., a primary provider of AML and compliance-related software/services for domestic and international financial institutions, and before that Alejandra was Assistant Vice President, Loan Portfolio Manager, Global Special Asset Management at Standard Chartered Bank, Alejandra graduated from the University of California and obtained the MBA from Thunderbird, American Graduate School of International Management.

Noreen M. FierroNoreen M. Fierro
Vice President, Chief Compliance Officer
Group Insurance Division
Prudential Financial

Noreen is a graduate of Montclair State University (1986) and Seton Hall School of Law (1992). She began her career as an attorney with the law firm of Bressler, Amery & Ross, P.C., where she was a Securities Associate representing national and regional broker-dealers in securities and employment arbitrations and in federal and state court litigation. She then joined the law firm of Edwards & Angell, LLP, where she represented Fortune 100 Companies in all aspects of mergers and acquisitions. 

In 2002, Noreen joined UBS Financial Services, Inc, where she was a Corporate Vice President, Associate General Counsel, and was a member of the Money Laundering Prevention Group. In this capacity, she was responsible for AML investigations, drafting of the firm's anti-money laundering policies and procedures, and advising on various compliance responsibilities imposed by the USA PATRIOT Act, Bank Secrecy Act, and all other applicable anti-money laundering regulations. She also served as the Manager of the Money Laundering Prevention Group's Legal Staff.

In 2005, Noreen worked as a Senior Manager for Deloitte Financial Advisory Services, LLP, in their Forensic and Dispute Services, Anti-Money Laundering Group. In this capacity, she was responsible for providing clients with subject matter expertise in the areas of AML compliance, Know Your Customer due diligence, and overall USA PATRIOT Act and Bank Secrecy Act compliance.

In May 2006, Noreen joined Prudential Financial as the Corporate AML Officer. She is in charge of the Anti-Money Laundering Unit, which services the domestic business units, including various broker-dealers, insurance companies and fund complexes. In December 2006, Noreen was also appointed the Corporate FCPA Compliance Officer serving the global enterprise. She serves in both capacities today.  In addition to her roles as the AML and FCPA Compliance Officer, Noreen is responsible for compliance oversight of Prudential Real Estate and Relocation Services, Inc.

James FinnertyJames Finnerty, CAMS
Senior Vice President and Associate Deputy Global Anti-Money Laundering Officer - United States
TD Bank

James Finnerty joined TD Bank in March 2011 as Group Manager of the Global Special Investigations Unit of the Global Financial Intelligence Unit and was promoted in August 2011 to lead the Financial Intelligence Unit in the United States. He is a highly experienced attorney with experience both as U.S. Department of Justice prosecutor and compliance counsel and possesses an expertise in complex litigation and investigations involving financial crimes, fraud, corruption, and money laundering.    He has compliance-related expertise in building and managing large, international financial services compliance, ethics and integrity, anti-money laundering, and anti-corruption programs.

Before joining TD, Jim was an Assistant United States Attorney in the United States Attorney’s Office for the District of Connecticut. As a federal prosecutor, he investigated and prosecuted complex frauds, violent criminal organizations, and public corruption. He also taught at the United States Department of Justice’s training school. After leaving the Department of Justice in 2006, he joined a global corporate lending and equity investment division of General Electric Capital as its Deputy Chief Compliance Officer, where, among other things, he built and then managed the division’s anti-money laundering program.  In 2009, Jim became Senior Counsel, Compliance and Regulatory, for General Electric Capital-Americas, where he focused on internal investigations, including those related to corruption, employee misconduct, money laundering, and fraud. Jim also has acted as a consultant on anti-corruption matters, including Foreign Corrupt Practices Act-related issues, to a leading global management consulting, technology services, and outsourcing company where he advised Legal, Compliance, and international business units on third party intermediary and transaction due diligence, and country and transaction corruption risk and mitigation.

Jim received a Bachelor of Arts in International Studies and a Master of Arts in International Relations and International Economics from The Johns Hopkins University. He received his JD from Fordham University School of Law.  He is a Certified Anti-Money Laundering Specialist and teaches corporate compliance and ethics at Quinnipiac University School of Law.

Michael Florence, CAMSMichael Florence, CAMS
Senior Director
Treliant Risk Advisors

Michael Florence is a Senior Director of Treliant Risk Advisors, a compliance, risk management, and strategic advisory firm for the financial services industry. Michael leads Treliant's AML practice and has significant experience in Bank Secrecy Act (BSA) and anti-money laundering (AML) requirements. Michael routinely advises clients on strengthening their BSA/AML programs and developing strategic multi-year program roadmaps for institutions in a business-as-usual and regulatory response environment. Michael has designed and implemented enterprise risk assessment methodologies for large, complex organizations and carried out enterprise-wide compliance initiatives. He spent the past 15 years working in the banking and securities industry for global banking and investment groups and top tier accounting firms.

Mo-Yun Lei FongMo-Yun Lei Fong, CAMS 
Chief Compliance Officer
Google Payments

Mo-Yun Lei Fong is a finance director and Chief Compliance Officer for Google Wallet. Prior to Google, Mo was at PayPal in Merchant Risk Management which reviewed SMB customers for the Website Payment Pro product as well as partnerships with large verticals and merchants. She is also involved in K-12 education initiatives and was the Executive Director for the Stanford Educational Leadership Institute which was a joint program between the Stanford GSB and GSE.  Mo holds an MBA from Harvard Business School, and a BS in Chemistry Education and MA in Education from Stanford University.

Tramond FrenchTramond French, CAMS, CRCM, CIPP
Senior Director, Strategy, Governance and Product Development

Tramond (Trey) French is a Senior Director for PayPal Compliance, responsible for Strategy, Governance and Product Development. He is responsible for building out the compliance management systems, comprised of risk assessment, policies, training, communication, monitoring and testing, and metrics/governance, and also ensure that Compliance considerations are built into review of new products and business initiatives globally.  Trey joined PayPal in October 2010 from Bank of America where he most recently held the position of Vice President and Senior Policy Manager in Corporate Compliance. In that position, Trey was responsible for Regulatory Change Management across all lines of business. In addition, Trey has held management positions at Bank of America and MBNA, He has a strong background in card program compliance, including anti-money laundering, CARD Act compliance, Operations compliance and Governance. Trey is a Certified Regulatory Compliance Manager (CRCM), Certified Anti-Money Laundering Specialist (CAMS) and Certified Information Privacy Professional (CIPP).

Tramond FrenchTimothy Friedman, CAMS
Vice President of Enterprise AML
Scottrade Financial Services
Chief BSA/AML Compliance Officer
Scottrade Bank and Scottrade, Inc.

Timothy N. Friedman, CAMS, serves as the Vice President of Enterprise Anti-Money Laundering (AML) for Scottrade Financial Services, Inc. and Chief BSA/AML Compliance Officer and OFAC Compliance Officer for Scottrade, Inc. and Scottrade Bank. Timothy has over 23 years’ experience in the financial services industry, with over 11 years’ experience as an AML Compliance Officer. He has spent the last five years at Scottrade, where he is responsible for the development and implementation of Scottrade’s AML policies and initiatives across all business lines.

Prior to joining Scottrade, Timothy served as the AML Compliance Officer for FFP Securities and as the Vice President/Chief Compliance Officer and AML Compliance Officer for Bridge Trading Company. He is a member of the SIFMA AML and Financial Crimes Committee, a member of the Association of Certified AML Compliance Specialists (ACAMS), and is co-founder and current Co-Chair of the Greater St. Louis ACAMS Chapter. In addition, he is a frequently requested speaker at national AML conferences.

Timothy earned his Bachelor’s degree in Economics from the University of Missouri–Columbia, and holds several FINRA securities registrations, as well as the CAMS designation.

Susan GalliSusan Galli, CAMS
Senior Vice President, AML Strategic Planning Director
HSBC North America Holdings

Susan Galli is currently the Director of the Anti-Money Laundering Strategic Planning Office, part of the AML Compliance Department for HSBC North America Holdings, Inc.  (“HNAH”) where she has responsibility for ensuring that the firm’s AML Program continually adapts to address changing risks and trends based on external events and evolving business strategies.  This office also fulfils an outreach role on AML matters with HSBC Group affiliates worldwide.  Prior to that she had responsibility for developing HNAH’s enterprise-wide AML Policy and Program after joining the firm in December 2010.

Ms. Galli served as a Managing Director and Practice Leader for the AML Compliance Risk Advisory & Forensics Practice of a big-five consulting firm. Ms. Galli, who is fluent in English and Spanish, has over 18 years of senior-level anti-money laundering experience providing a vast array of services including developing AML risk scoring policies and procedures for various business lines, implementing automated customer acquisition due diligence processes for the correspondent bank and corporate bank accounts of Citibank’s Latin America Division and developing and approving the Customer Identification Program Procedures and exception requests for business lines in Latin America. Additionally, she has conducted in-depth AML reviews of various financial institutions’ AML programs as part of internal compliance monitoring and testing or as part of mergers and acquisition due diligence. She has also developed and delivered numerous AML training sessions for financial institutions, banking associations and government agencies in the U.S. and abroad. She has acted as a course instructor for the ACAMS certification exam preparation course and developed the FIBA Correspondent Banking AML course.  In addition, she has developed and taught an AML course in Spanish for the Cámara de Banco Privados e otras Instituciones Financieras in San José, Costa Rica.

Previously in her career, Ms. Galli served as the Senior Anti-Money Laundering Coordinator and a member of Citigroup’s Global Anti-Money Laundering team, as well as the Latin America AML Director for Citigroup businesses in Latin America.  She served as the Head of AML Compliance for Grupo Santander’s U.S. entities, and was the Head of AML Compliance for Citicorp.  She was also a member of the U.S. Treasury Department’s Bank Secrecy Act Advisory Group (“BSAAG”) and the Bank Secrecy Act Advisory Group Funds Transfer Subgroup, representing both Citicorp and the industry.

Jennifer GardnerJennifer Gardner, CAMS
Assistant Vice President, BSA/AML Officer
Oxford Bank & Trust

Jennifer is a fifteen year veteran of the banking Industry with a strong background in banking operations.  Currently she is the BSA/AML/OFAC Officer for Oxford Bank & Trust.  She is solely responsible for all BSA/AML oversight and monitoring for the bank. Among her more notable achievements, she is a member of ACAMS (Association of Certified Anti-Money Laundering Specialists) and participated in the FinCEN’s Town Hall meeting which was held in Chicago in 2010. Jennifer is the Vice President of the Chicago Compliance Association. Jennifer received her CAMS Certification in 2007 and she is an active member of the Chicago ACAMS Chapter.

Renato GiammarcoRenato (Ron) Giammarco, CAMS
Partner, Financial Services
Ernst & Young LLP

Ron is a New York-based Financial Services Partner in EY’s Information Technology Advisory Services (ITAS) practice. He has over 18 years of experience in the financial services industry serving Asset Management and Banking and Capital Markets clients in the areas of compliance, risk and finance technologies. Within ITAS, Ron serves as the Compliance Technology Enablement service line leader. In this role, he is responsible for developing IT and data related solutions to assess, implement and improve compliance related processes and activities.


Brian R. Grant, CAMSBrian R. Grant, CAMS
Senior Manager, Financial Services
Ernst & Young LLP

Brian Grant is a Senior Manager in Ernst & Young’s Financial Services Advisory Practice.  He joined the firm in 2011 after more than ten years of service at the U.S. Department of the Treasury in the Office of Foreign Assets Control (OFAC), Office of Intelligence and Analysis and Office of Terrorist Financing and Financial Crimes.

At EY, Brian has been a leader in the firm’s economic sanctions and anti-money laundering practice area. Since joining the practice, he has assisted a wide range of financial institution clients with their sanctions needs. His engagement experience includes leading sanctions program reviews, OFAC risk assessments and historical transaction reviews for a number of global financial institutions.

Prior to joining EY, Brian was a career member of Treasury’s Senior Executive Service and Director of Global Affairs for the Office of Terrorist Financing and Financial Crimes. In this capacity, he led a team of policy advisors with responsibility for developing and implementing strategies and policies to combat illicit financing related to terrorism, weapons of mass destruction proliferation, money laundering and other threats to U.S. national security.

Prior to assuming this position, Brian served as financial enforcement advisor to the Central Bank of the Kingdom of Jordan and as Attaché at the U.S. Embassy in Amman. Brian previously served as an office director in Treasury’s Office of Intelligence and Analysis and held a variety of positions in Treasury’s Office of Foreign Assets Control, including in the Compliance Division.

Brian entered government service through the Presidential Management Fellowship program after obtaining a B.S. and an M.A. from Georgetown University’s School of Foreign Service. He is a recipient of the Treasury Department’s Distinguished Service Award and holds the Certified Anti-Money Laundering Specialist (CAMS) accreditation.

Polly GreenbergPolly Greenberg
Bureau Chief, Major Economic Crimes Bureau
New York County District Attorney's Office

Polly Greenberg is the Chief of the Major Economic Crimes Bureau at the New York County District Attorney's Office. She is responsible for managing prosecutors, investigators, analysts, and paralegals who conduct investigations into securities and commodities fraud, large-scale mortgage and insurance fraud, Ponzi schemes, international money laundering, terrorist financing, sanctions evasion, asset forfeiture, tax crimes, human trafficking, and wiretap investigations. Polly joined the Office in 1993, starting in the Appeals Bureau and later serving in the Investigations Division. She conducted one of the Office's early enterprise corruption trials. After leaving the Office in late 2000 for private practice, Polly returned to the Office in 2005 and was assigned to the Rackets Bureau, where she conducted wiretap investigations into organized crime and prosecuted public corruption cases. She was part of teams that obtained enterprise corruption indictments against members and associates of the Genovese organized crime family for operating an illegal gambling ring out of the Hunts Point Market, and against 29 members and associates of the Lucchese organized crime family for charges including corruption at the New York City Department of Buildings. She graduated from Wesleyan University with High Honors in American Studies and attended New York University School of Law.

Michael GrossmanMichael Grossman, CAMS
Vice President, AML Policy and Program Manager
BMO Financial Group

Michael Grossman is a Vice President at The Northern Trust Company and serves as the AML/BSA Officer for Northern Trust’s Personal Financial Services (PFS) line of business.  In this role, Michael is responsible for coordinating and monitoring day-to-day BSA/AML compliance for the PFS operating units which include Private Banking, International Private Banking and Trust & Fiduciary. Some of Michael’s specific responsibilities include preparing and presenting AML compliance metrics to the Board of Directors, PFS Senior Management and Northern Trust’s Anti-Money Laundering Oversight Committee, managing the entity level and client AML risk assessment processes and acts as liaison for regulatory exams, audits, and monitoring & testing reviews. Prior to joining the Northern Trust in 2007, Michael served as an Anti-Money Laundering Advisory Officer at LaSalle Bank, N.A. in Chicago. Michael received a M.B.A. degree from DePaul University and a B.S. degree from Illinois State University. Michael is a member of the Association of Certified Anti-Money Laundering Specialists and currently serves on the Board of Directors of the Chicago Chapter of the Association of Certified Anti-Money Laundering Specialists. Michael is also a member of the Association of Certified Fraud Examiners. 

Steve GurdakSteve Gurdak, CAMS
Group Supervisor 
Washington Baltimore HIDTA

Steve Gurdak is the group supervisor of Northern Virginia’s Financial Initiative (NVFI). As an Alexandria Police Detective he help found and establish this initiative as a national model for the aggressive use of SARs in the initiation of money laundering and financial investigations. Steve has over 30 years of police experience. He has specialized in money laundering investigations since 1995, retiring from the Alexandria Police in 2010 to continue supervision of the initiative through Washington Baltimore HIDTA. Steve also regularly trains new detectives in general investigative skills for the Northern Virginia Criminal Justice Academy as part of the “New Detectives” course he helped  design. 

Nerissa P. HallNerissa P. Hall, CAMS
Director, Head of US AML Compliance
Credit Suisse

Nerissa Hall currently serves as Head of US AML Compliance at Credit Suisse, since June 2011. Her current role includes managing the end to end AML program for all of Credit Suisse’s (“CS”) U.S. legal entities engage in Private Banking, Investment Banking (“IB”) (sales and trading/advisory), Asset Management, and Fund Administration business including prime brokerage and corporate banking within the IB division as well as Credit Suisse’s bank branch in New York and Cayman Islands. Nerissa has worked for the last 20 years in New York City at some of the best known global financial institutions, including Morgan Stanley, HSBC Securities (USA) Inc., and CIBC, in addition to her current role at Credit Suisse. Nerissa's roles have covered everything from back office to operations to Compliance. Nerissa has deep knowledge of financial markets, various types of investments, and the tools used to trade in those markets, including experience in online securities trading both as an individual investor and surveillance duties through her various roles. 

Nerissa's experience includes being an integral part of developing comprehensive AML risk assessment frameworks, identifying inherent money laundering vulnerabilities, establishing customer risk ranking protocols, designing AML compliance programs, implementing policies, procedures, and controls, creating AML governance structures, establishing Enhanced Due Diligence (EDD) protocols, and developing and implementing transaction monitoring capabilities.  Nerissa has worked with financial institutions that were either undergoing or facing regulatory enforcement actions and been involved in the construction of action plans and communication strategies with regulators, including regular updates on the progress of remediation efforts.  

Nerissa holds a Bachelor of Science degree in Communications Arts (Advertising) from St. John's University (1986), is a Certified Anti-Money Laundering Specialist ("CAMS"), holds numerous FINRA licenses and is a member of the SIFMA AML & Financial Crimes Committee, BSAAG Subcommittees in SAR and Securities and Futures, Investment Company Institute AML Compliance Working Group, ABA AML Committee, and ACAMS.

David HickDavid Hick, LLB, ACA
Managing Director
Head of Audit, Americas - Group Internal Audit
Standard Chartered Bank

David joined Standard Chartered Bank in September 2004, where he is currently a Managing Director and the Head of Audit, Americas for Group Internal Audit.  In this role he has responsibility for oversight of all audit activities in the Americas region.

David began his career with Price Waterhouse in London before transferring to New York in 1984, where he became a senior manager in the firm's financial services practice, serving clients such as JP Morgan, UBS and Nomura. Since leaving PW in 1991, he has held positions as Audit Director for ING Barings, Credit Agricole Indosuez and Daiwa Securities America Inc. in New York. Before joining SCBNY he was a partner in a small consulting firm providing regulatory-related services to broker-dealers. David's senior industry positions have included serving as Chairman of the Association of International Bank Auditors (AIBA), President of the Association of Chartered Accountants in the United States and a member of the Executive Committee of the Securities Industry Association Internal Audit Division. He is currently a Director of the AIBA. David is a member of the Institute of Chartered Accountants in England and Wales. He received his LL.B. from the University of Exeter in 1980.

Mason Hinkle
Senior Vice President, Deputy BSA Officer
BSA Operations
Financial Crime Risk Management
Union Bank

Jim HoldermanJim Holderman
AML Senior Manager
GE Capital

Jim joined GE Capital America’s or GECA as an AML Senior Manager in May 2012.   He is currently working on Global AML KYC and risk rating standards. Prior to joining GECA, Jim was a Senior Vice President for HSBC Securities responsible for AML Compliance in support of Global Banking & Markets and retail Wealth Management from November 2009 to May 2012. He was also a senior AML leader at Wachovia Bank from November 2008 until joining HSBC. Jim started his career in AML working at Lehman Brothers in various compliance and risk management functions from May 1994 until October 2008. He has BA in Soviet Studies from Pace University and Master of Library Science from Rutgers. He is an avid reader, golfer and enjoys spending time skiing with his family.

Jeff HorowitzJeff Horowitz
Managing Director and Chief Compliance Officer

Jeff Horowitz is a Managing Director and Chief Compliance Officer for Pershing LLC a BNY Mellon company and is a member of BNY Mellon's Risk and Compliance Operating Committee. Mr. Horowitz previously served as the Chief Anti-Money Laundering (AML) and OFAC Officer for Pershing, where he was responsible for the development and implementation of the firm's global AML Program across the Pershing enterprise.

Mr. Horowitz has represented Pershing as a securities industry representative to the U.S. Treasury Department's Bank Secrecy Act Advisory Group (BSAAG) and was also a past co-chair of the Securities Industry and Financial Markets Association (SIFMA) Anti-Money Laundering Committee. He currently serves as the BSAAG co-chair of the Securities and Futures Subcommittee. Mr. Horowitz is an active member of the International Council of Securities Association groups on AML and the Foreign Account Tax Compliance Act (FATCA) and serves on the Florida International Bankers Association AML Compliance Conference Advisory Committee. Mr. Horowitz currently serves on the SIFMA Compliance and Regulatory Policy Committee.

Prior to joining Pershing, Mr. Horowitz was a Director and Head of AML Compliance for Citigroup's Corporate and Investment Banking Division in North America. His responsibilities included the Institutional Sales and Trading Departments of Citigroup Global Markets Inc., Investment Banking, Global Relationship Banking and Global Transaction Services. Prior to joining Citigroup, Mr. Horowitz held several senior compliance roles at Lehman Brothers, Goldman Sachs and Salomon Brothers Inc. He began his career at the Federal Deposit Insurance Corporation (FDIC) in the Division of Resolutions.

Mr. Horowitz earned a Bachelor of Science degree in Economics from Trenton State College. He has also completed the Securities Industry Institute® program, sponsored by the Securities Industry and Financial Markets Association, at the Wharton School of the University of Pennsylvania.

Jeffrey HoudeJeffrey Houde, CAMS, CIA
Audit Director - Enterprise AML
BMO Financial Group

Jeff leads the BMO Financial Group, Enterprise AML Audit Team and is accountable to direct global AML independent testing for the organization. BMO, the Bank of Montreal is one of the big five banks in Canada, has a substantial U.S. presence and is growing globally.  It is ranked at number 150 on the Forbes Global 2000 list and ranks seventeenth in the U.S. in terms of assets, with $117 billion. Jeff joined the newly formed U.S. AML Audit Team in 2010 and was instrumental in designing and implementing the overall U.S. AML independent testing structure. Jeff was promoted to VP & Audit Director, Enterprise AML Audit in April of 2013. Jeff is active in the AML community, obtaining his CAMS certification in 2010 and is currently in the process of obtaining his CAMS-Audit advanced certification. Jeff is also a Certified Internal Auditor, earning his certification in 2007.

María de Lourdes (Marilú) Jiménez, Esq.María de Lourdes (Marilú) Jiménez, Esq.
Senior Vice President and Division Head Manager, Corporate Compliance Division

Marilú is the Senior Vice President & Division Head of the Corporate Compliance Division for Popular, Inc. Her principal responsibility is to supervise the compliance function in Puerto Rico, the United States and all other operations for Popular, Inc. Her position is a professional and executive job responsible for the coordination, planning, supervision, and guidance to the different business circles, compliance programs for Popular, Inc., subsidiaries and affiliates. It ensures that within a safe and sound corporate reporting matrix, the effectiveness of the legal regulatory compliance program and related initiatives of the Corporation are properly managed and implemented. Mrs. Jiménez has vast experience as a Legal Counsel and Compliance Manager in Multinational Institutions. She has previously worked for Citibank, Puerto Rico’s Commissioner of Financial Institutions, and Banco Santander, where she managed the Legal Counsel Office and Corporate Compliance. She began her professional career with Vicente Zayas Puig law firm, who was then the Legal Counsel and Secretary of the Banco Popular Board of Directors.

Jeffrey M. Johnston, CAMSJeffrey M. Johnston, CAMS
Senior Vice President, Global AML Compliance
Northern Trust

Jeff Johnston is a Senior Vice President and Compliance Manager of the Anti-Money Laundering Financial Intelligence Unit (“FIU”) of Northern Trust. In this capacity, Jeff is responsible for all money laundering and terrorist financing investigations involving Northern Trust’s U.S. operations and foreign correspondent banking business. Jeff is the primary liaison with law enforcement for AML and terrorist financing matters and is the point of contact listed on all Suspicious Activity Reports filed by Northern Trust. 

Prior to joining Northern Trust in 2009, Jeff managed Bank of America’s AML Investigations Unit located in Chicago. Jeff also held a similar role at LaSalle Bank, N.A. prior to the acquisition of LaSalle Bank by Bank of America.

Prior to LaSalle Bank, Jeff was a Senior Associate in the Forensic & Dispute Services practice at Deloitte Financial Advisory Services LLP in Chicago, specializing in white collar crime investigations.

Jeff received a Bachelor of Science degree in Finance from the University of Illinois, Champaign-Urbana, in May 2001.  

Jeff is a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) and received his CAMS certification in 2006.

Nicholas P. KapurNicholas P. Kapur
Managing Director, Global Financial Crimes Compliance Executive
Global Financial Crimes Compliance Fraud
Bank of America

Nicholas P. Kapur is a Managing Director at Bank of America in Charlotte, North Carolina. He is in the Fraud Investigations Group within Global Financial Crimes Compliance, and he is responsible for fraud investigations involving Deposits, Card, eCommerce and Global Wealth. He joined Bank of America in September 2012.

Before joining Bank of America, Nicholas was a Director with KPMG LLP, where he launched and supervised KPMG’s Forensic practice in the Carolinas, based out of Charlotte.

During his tenure at KPMG, Nicholas managed and directed multiple, large scale investigations. Of particular note, he assisted federal regulators with their investigation of the sixth largest bank failure in U.S. history, presenting findings to various federal government agencies including the Department of Justice, the Federal Bureau of Investigation, the Internal Revenue Service, various Offices of Inspector General, and the Securities and Exchange Commission, ultimately leading to criminal convictions and jail sentences.

Nicholas started his career as a prosecutor in the Manhattan District Attorney’s Office. After the DA’s office, he spent several years in the private sector, primarily managing mass tort litigation, but he returned to the public sector in 1998 to manage the Legal/Investigations Unit for the MTA Inspector General in New York for nine years. 

Nick is a graduate of Lafayette College in Easton, PA, and the School of Law at the University of Louisville. He was a visiting student at Fordham University School of Law. He is admitted to practice law in NY, NJ and NC, and he has earned Inspector General Certification. 

Michael D. KelseyMichael D. Kelsey, CAMS
Compliance Managing Director, BSA/AML Officer
JPMorgan Chase

Mike Kelsey is Managing Director at JP Morgan Chase, responsible for AML Compliance in all consumer businesses, including Consumer Banking, Credit Card, Merchant Services, Mortgage, Auto and Student Lending, and Business Banking. Mike joined the firm in 2012, and previously worked at Capital One, PNC Bank and TD Bank in various compliance and legal positions. Mike has also taught banking law and anti-money laundering at Widener University of Law and the University of Delaware and has spoken at many conferences and seminars throughout the world.

AJ KhanAJ Khan, Esq., CRCM, CAMS
Senior Business Leader, Head of Global and Americas AML

AJ Khan recently joined Visa Inc. as a Senior Business Leader and currently manages the Global AML/ATF team. AJ supports and manages the development of programs to maintain and strengthen Visa’s anti-money laundering and anti-terrorist financing controls. AJ has over 12 years of experience in AML, compliance, and enterprise wide risk management at large financial institutions and as an examiner. As a Vice President and Team Leader with Union Bank, AJ led enterprise wide compliance projects and implemented key enterprise wide programs impacting both compliance and AML. At the Federal Reserve Bank of San Francisco, AJ was a Compliance Examiner focusing on regional and community banking institutions. AJ also has experience creating testing and monitoring programs. AJ received his BA from the University of California, Berkeley and his JD from Santa Clara University, School of Law. AJ has earned his CRCM and CAMS designations and is a Member of the State Bar of California.

Nicolas E. KhouriNicolas E. Khouri, CAMS
Senior Director, Compliance
Audit Services
Ally Financial

Nicolas Khouri is currently a Senior Audit Director at Ally Financial overseeing Compliance and Legal. As part of his role, Nicolas advises management and senior leadership on industry best practices and hot topics for compliance including BSA and AML. Further, Nicolas manages the Compliance Center of Excellence that supports the international and domestic audit teams in conducting Compliance and AML reviews. 

Nicolas has over 14 years of financial institutions and investment banking auditing experience focusing mainly on AML and International Operations. Prior to joining Ally, Nicolas spent 7 years as an AML auditor at Wachovia/Wells Fargo Bank.  Over the years, Nicolas has developed in depth knowledge in international AML regulations, including Chinese, Japanese, German, Canadian, Mexican and UK laws.

Nicolas holds an MBA in Finance and International Business from the George Washington University and is a certified anti-money laundering specialist (CAMS) since 2006. In addition, Nicolas is a founding member of the Canadian Anti-Money Laundering Institute (CAMLI) and holds the designation CAMLI Practicing Associate (CAMLI-PA).

Amit KumarDr. Amit Kumar 
Fellow for Homeland Security and Counterterrorism
Center for National Policy

Dr. Amit Kumar is Center of National Policy's Fellow for Homeland Security and Counterterrorism. His key areas of expertise include the financing, organization, and evolution of transnational terrorist and criminal networks, both global and South Asian, and development and implementation of international, multilateral, regional, bilateral, and national regulatory Anti-Money Laundering/Countering the Financing of Terrorism (AML/CFT) and counterterrorism compliance measures against such networks through AML/CFT capacity building, and through appropriate legal, policy, and organizational responses; international inspection and oversight; organizational theory; public-private partnerships in critical infrastructure protection; and homeland security.

Dr. Kumar is Adjunct Associate Professor in the Security Studies Program at the Edmund A. Walsh School of Foreign Service at Georgetown University where he teaches the Graduate Course in Terrorist Financing. Dr. Kumar has also taught at the John Jay College of Criminal Justice for several years.
Dr. Kumar is an Adjunct Senior Fellow at George Mason University Law School's Center for Infrastructure Protection and Homeland Security, where he contributes articles related to Terrorist Financing and Critical Infrastructure Protection to The CIP Report.

Dr. Kumar is currently co-editing a most comprehensive textbook on Terrorist Financing.

Dr. Kumar has a number of years experience working with the Al-Qaida Taliban Sanctions regime at the United Nations. In this capacity, he offered substantive advice to the Al-Qaida and Taliban Sanctions Regimes at the United Nations on matters related to the implementation of Assets Freeze Sanctions measures against the Al-Qaida and Taliban, as well as issues relating to countering the financing of terrorism. He participated in the activities of the United Nations Counter Implementation Task Force's Working Group on Tackling the Financing of Terrorism. Dr. Kumar coordinated the Working Group's Project on Terrorist Financing Indicators; development of such indicators could be helpful to banks in monitoring transactions relating to Terrorist Financing. Dr. Kumar has made presentations to a number of organizations including the US Department of Treasury, the US State Department, Deloitte, the New York State Society of CPAs, and the American Bar Association, amongst others. His work has also been published in the Journal of Homeland Security, and the Richmond Times-Dispatch. He has been interviewed by and Reuters News and been cited in Congressional Testimony and quoted in the Weekly Standard. Dr. Kumar has successfully completed consulting assignments with the Center for National Policy; the Government of South Australia; and the Investigative Project on Terrorism.

Dr. Kumar earned a Doctorate in Public Administration from American University in Washington D.C; a Masters in Philosophy in American Studies from the Jawaharlal Nehru University, New Delhi; and a Masters in International Business from the University of Delhi. He has previously served as Adjunct Faculty in International Business, as well as a Member of the Interview Board for screening incoming MBA applicants at the Indian Institute of Foreign Trade, New Delhi. Dr. Kumar has worked for the Schlumberger Smart Card Division and consulted with McKinsey, Citibank, HSBC, and Conseco while he was based in New Delhi, India.

Peter Kwan, CAMS
Director, Forensic Technology Services
Alvarez & Marsal

Peter Kwan is a Director in the Forensic Technology & Security Practice within Alvarez & Marsal’s Global Forensic and Dispute Services practice in New York. He brings 9 years of management consulting experience in executing and managing data analytics efforts, BSA/AML Look-back reviews, and strategic database design and implementations.

Mr. Kwan specializes in data analysis, data manipulation techniques, Excel spreadsheet automation, database development, data quality management, and business intelligence reporting.

Currently, Mr. Kwan is assisting a regional bank with their implementation of a new AML software package. Previously he has worked on a BSA/AML technology assessment for a large Latin American bank in Mexico. While at A&M, he has helped numerous clients with BSA/AML technology assessments, systems validations, as well as on regulatory mandated Lookbacks to detect suspicious transactional activity and OFAC screening reviews.

Prior to joining A&M, Mr. Kwan worked in the Data Management group at PricewaterhouseCoopers (PwC).  His past project work has focused primarily on the following areas for clients in the Financial Services industry – Anti-Money Laundering, Regulatory Reporting, Audit Automation and Business Intelligence.

Mr. Kwan received a Bachelor’s degree in Computer Science from Binghamton University. He has been a Certified Anti-Money Laundering Specialist (with the ACAMS organization) since 2006.

Catherine LaFalceCatherine LaFalce
Director, Barclays Corporate and Investment Bank,
Financial Crime Compliance – Global AML Advisory Head

Cathy joined Barclays in September 2009, and in her current roles, is responsible for oversight of the Corporate and Investment Bank Financial Crime Compliance program in the Americas and for development and implementation of AML policies for the Corporate and Investment Bank globally. Prior to joining Barclays, Cathy held various compliance, audit and risk management roles over a 16 year career with Citibank’s Global Transaction Services (GTS) businesses, including as Head of AML Compliance for GTS North America. In addition, Cathy was the Sector Compliance Officer for The Bank of New York’s Issuer Services businesses for six years, and a senior auditor for Bankers Trust Company. Cathy started her career as an Associate National Bank Examiner for the Office of the Comptroller of the Currency. She holds a B.S. in Finance and Economics from Fordham University.

Jeff LavineJeff Lavine 
Partner, Financial Services
Regulatory Practice 

Jeff Lavine is a Partner in the Financial Services Regulatory practice of PricewaterhouseCoopers, resident in Washington, D.C. Jeff advises US and international banks, non-bank financial institutions, and regulatory agencies on optimizing controls, compliance, supervision, examination and audit effectiveness, and anti-money laundering matters.

Specialties: Jeff has led numerous internal control review engagements, conducted money laundering investigations, advised regulators seeking to optimize the efficiency and effectiveness of their examinations, assisted financial institutions in improving current operations and compliance processes, and enabled firms to offer new products and services that require regulatory approval.

Lorraine B. LawlorLorraine B. Lawlor, CAMS 
Vice President, Global Sanctions 
Governance Director
Wells Fargo

Ms. Lawlor is in the Governance office of the Financial Crimes Risk Management group at Wells Fargo & Co. In this capacity, she helps to develop, administer and oversee the company’s Financial Crime Risk Management program, particularly with regard to compliance with economic sanctions laws and regulations. Working with the lines of business and the operational areas of the company, she helps to ensure that the company fully understands its sanctions risks and establishes and maintains adequate controls to mitigate those risks. 

Prior to taking the position at Wells Fargo, Ms. Lawlor was the Chief of Compliance Programs at the Office of Foreign Assets Control at the U.S. Department of the Treasury. In that capacity, she played an integral role in the development, implementation and enforcement of U.S. economic sanctions, particularly as they related to the regulated financial community. She played a critical role in the drafting of the OFAC module in the FFIEC’s AML/BSA Examination Manual, was a primary architect of OFAC’s Enforcement Guidelines published in 2009, and was deeply involved in all enforcement actions taken by OFAC against regulated financial institutions over more than two decades. On a daily basis, she provided guidance on U.S. sanctions requirements to the financial community, its regulators, importers and exporters, and other government agencies. She conducted workshops and seminars on economic sanctions for the financial and exporting communities across the United States and internationally, participated in several multi-lateral meetings with foreign governments in an effort to coordinate sanctions efforts and was actively involved in the Financial Action Task Force, serving as OFAC’s primary coordinator for issues addressed by that body. 

Prior to joining OFAC, she was a Revenue Agent with the Internal Revenue Service, auditing primarily corporate tax returns. During her tenure at IRS, she was active in the Revenue Agent training program and ran workshops on small business taxation for the Small Business Administration.

Upon her retirement from the Treasury Department she was presented with the Secretary’s Honor Award in recognition of her long record of service to the Treasury Department.  Ms. Lawlor is a CPA and is CAMS certified.

Tara E. LoftusTara E. Loftus
Executive Director
Global Head, AML Training
Americas Head, Anti-Corruption

Tara Loftus is an Executive Director at UBS and is the Global Head of AML Training, the Americas Head of Anti-Bribery & Corruption, and serves on the Global AML Management Committee.  Prior to her current roles, Ms. Loftus was the Deputy Head/COO for Americas AML Compliance (AMLC).  The Americas AMLC function covers both the wealth management and investment banking businesses throughout North America including Argentina, Brazil, Canada, Mexico and the U.S.  AMLC oversees the firm's efforts to implement UBS's Global AML Program in order to combat money laundering and terrorist financing and is also responsible for bribery and corruption, and economic sanctions issues. Ms. Loftus began her career in 1993 and held various positions in Legal & Compliance at Merrill Lynch and subsequently JP Morgan, prior to joining UBS in early 2000.  Ms. Loftus received her B.A. and M.A. from the University at Albany. She is a member of SIFMA’s Anti-Money Laundering and Financial Crimes Committee.

Dennis M. LormelDennis M. Lormel
President and Chief Executive Officer
DML Associates

Dennis is the founder and President of DML Associates, LLC, a full service investigative consultancy. Mr. Lormel provides consulting services and training related to terrorist financing, money laundering, fraud, financial crimes and due diligence. For 28 years, he served as a special agent in the FBI and served as chief of the FBI Financial Crimes Program. There, he formulated, established and directed the FBI’s terrorist financing initiative following the terrorist attacks of September 11, 2001. For his visionary contributions, Mr. Lormel received numerous commendations and awards to include the Department of Justice, Criminal Division’s Award for Investigative Initiative and the Central Intelligence Agency’s George H. W. Bush Award for Excellence in Counterterrorism.

Robert (Rob) MaraRobert (Rob) Mara
Executive Director, Financial Services
Ernst & Young LLP

Rob is a New York-based Financial Services Executive Director in EY's Advisory Services practice. He has over 20 years of experience in the industry serving multiple capital markets, retail, asset management and banking clients in the areas of anti-money laundering (AML), regulatory reporting and fraud management, as well as multiple engagements with self-regulatory organizations and regulators. Within Advisory services, he serves as a leader in the Solution Enablement service line, assisting clients with with assessing, designing and improving AML/compliance-related processes and procedures leveraging operational and technological enhancements. Rob's more recent experience includes evaluating and mitigating the impact of new technologies and products in the AML and broader compliance spaces.

Marshall MartinMarshall Martin
Managing Senior Vice President, Enterprise Risk Executive and Co-General Counsel
City National Bank of Florida

Marshall has over twenty three (23) years of substantial real estate, bank regulatory compliance/risk management, finance, accounting, and legal experience. He joined City National Bank of Florida in February 2009 and presently serves as Enterprise Risk Executive & Co-General Counsel.  At City National, Marshall has joint accountability for the legal affairs of the bank and is also responsible for all non-credit risk, including BSA/AML/OFAC and regulatory compliance. In addition, his responsibilities include leadership, strategy development and management of regulatory relations. 

Marshall holds a Juris Doctorate from the University of Illinois, a CPA certificate, and dual undergraduate degrees in finance and international business from Florida International University. Marshall has served on the advisory board for the Florida International Bankers Association’s AML Compliance conference, the Florida Banker’s Association Government Relations Committee, Co-Chair of the Board of ACAMS (South Florida Chapter), and is a frequent speaker both domestically and internationally.

Katie McBrayerKatie E. McBrayer, CRCM
Internal Audit Team Lead; Regulatory Compliance Group
BBVA Compass Bank

Katie McBrayer is an Audit Team Leader and subject matter expert for the Regulatory Compliance Group within the Financial and Process Internal Audit for BBVA Compass Bank in Birmingham, Alabama.  In her role, Katie leads various regulatory compliance, AML, and OFAC audits at the bank and BBVA’s various US entities.  Prior to joining BBVA Compass, she worked with the Office of the Comptroller of the Currency (OCC) in Little Rock, Arkansas and at Regions Financial in Birmingham, Alabama. 

Katie has specialized in Consumer Compliance and holds the Certified Regulatory Compliance Manager (CRCM) designation and is working toward a BSA/AML specialization.  She holds a Bachelor of Science in Business Administration with a concentration in finance from the University of South Alabama, and a Master of Business Administration focusing on corporate governance from the University of Alabama at Birmingham.

Yesenia A. MendezYesenia A. Mendez, CAMS, CRCM
Financial Intelligence Unit, Americas
MoneyGram International

Yesenia Armijo Mendez attended Southern Methodist University and went on to attend American University in Washington D.C. Through her banking sector background, Yesenia went on to work at the U.S. Department of the Treasury in the Office of Terrorism and Financial Intelligence, where she worked on various policy projects.  Her experience at the Treasury Department led to a Regulatory Policy Specialist position with the Financial Crimes Enforcement Network (FinCEN).  There she specialized in interpreting and analyzing the Bank Secrecy Act (BSA).  She worked as the Assistant Vice President for BSA Compliance at BBVA Bancomer Houston Agency; she was responsible for the institution’s BSA Compliance Program. She is currently employed by MoneyGram International; she manages the Americas Financial Intelligence Unit. Yesenia is the Chair for the Gulf Coast AML Forum, a local professional conference focused on compliance education and fostering partnership amongst the private and public sector.

Tanya MontoyaTanya Montoya
Product Development Manager

Holding over 15 years in global marketing management and strategic brand development for a wide range of corporations, industries, and governmental organizations, Tanya Montoya has successfully deployed numerous brand initiatives, both in traditional and online environments. 

In her role as Product Development Manager for ACAMS, Tanya is responsible for the development and launch of the association’s first Risk Assessment software designed to offer financial institutions worldwide, a standardized means of measuring, understanding and explaining their AML risks.

Tanya holds a Master of Science Degree in International Affairs from Florida State University, and a Bachelor of Arts in International Relations from Florida International University.

Grace MorganGrace Morgan
Deputy BSA Compliance Officer
Ally Financial

Grace Morgan is the Deputy BSA Officer for Ally Financial Inc. and is responsible for executing the BSA/AML Program strategy and providing support and oversight to Ally’s Lines of Business Global Function Partners and Program Stakeholders in the development, execution and enhancement of the BSA/AML Program components.  In addition, Grace has direct accountability for the management and administration of the Global AML and OFAC Risk Assessments, AML and OFAC Training Program Strategy, Management Reporting, Business Continuity Planning, AML and OFAC Policy Development Regulatory Relations and management of the Anti-Corruption and Foreign Corrupt Practices Act Compliance programs.

Before joining Ally, Grace was a Senior Vice President responsible for Enterprise Compliance Program Administration for Wachovia Corporation and had accountability for the development and administration of key compliance programs including the Corporate Ethics Program, FCPA, Enterprise Compliance Risk Assessments, Compliance Monitoring and Testing and Enterprise Compliance Training and Awareness.

Prior to joining Wachovia Corporation, Grace held leadership roles in both domestic and internationally based organizations in the healthcare, consulting services and textile manufacturing.

Grace attended Appalachian State University where she graduated with honors in Business Administration earning a double major in Corporate Finance and Business Management. Grace holds professional certifications in Corporate Ethics and Compliance Program Administration and Baldridge Quality Assurance Program Administration. 

Sasi Mudigonda
Senior Product Manager

Sasi Mudigonda is a Senior Product Manager at Oracle responsible for the product strategy of their Financial Crime and Compliance Management products. Sasi has extensive functional and technical experience in delivering solutions to the financial industry in the areas of risk management, fraud and compliance. In his career spanning the last 10 years Sasi has been deploying end-to-end financial crime and compliance programs tackling BSA/AML, KYC, FATCA, regulatory reporting as well as various fraud typologies such as payments fraud, debit card fraud, check fraud and internal fraud at several tier 1 and large regional financial institutions.

Peter NeilsonPeter Neilson, CAMS
Executive Director, Anti-Money Laundering Compliance
JPMorgan Chase

Peter Neilson joined JPMC in 2013 and serves as Executive Director in the firms AML Office. Previous to joining JPMC worked at Capital One from 2006 serving as Managing Vice President over Anti-Money Laundering Compliance. In the role, he was responsible for the implementation of corporate strategies for the currency transaction reporting, enhanced due diligence, customer identification, and suspicious activity reporting functions. Neilson was appointed Anti-Money Laundering Officer for Capital One in December 2010. Previously, Mr. Neilson worked in Wachovia’s corporate Compliance Risk Management/AML office.  He began his banking career at Wells Fargo’s Regulatory Reporting and Loss Prevention unit where he served in various functions including risk assessment and currency transaction reporting. Mr. Neilson has a Bachelor of Arts in Political Science and Environmental Studies from St. Lawrence University.

Thomas ObermaierThomas Obermaier
Chief Executive Officer
Regulatory DataCorp (RDC)

Tom Obermaier has served as the Chief Executive Officer for RDC for more than three years. Prior to joining RDC, he was the Chief Risk Officer for Citigroup's Global Transaction Services, a wholesale supplier of banking, security and risk services to financial institutions, governments and corporate clients worldwide. As CRO, he was responsible for all risk - including credit, market, operations, liquidity, and regulatory. He managed $1.6 trillion in risk positions daily spread across 104 countries. He was also a member of the Management Committee, whose leadership drove revenue growth from $1.7 billion when he joined to over $10.8 billion when he joined RDC.

Mr. Obermaier is an internationally recognized expert on risk matters, particularly regulatory risk and systemic issues surrounding payments and securities settlements. A founding member of the international regulatory council, the Wolfsberg Group, Mr. Obermaier was one of the industry's first advocates of extending risk management fundamentals to the regulatory compliance arena. A well-regarded risk expert in the anti-money laundering field, he has designed global compliance systems premised on risk management fundamentals.

Prior to joining Citi, Mr. Obermaier was the Chief Risk Officer for Deutsche Bank's Global Transaction Bank. He also served as the Chief Operating Officer of its Cash Management business, spearheading the Company's venture into e-business solutions such as mobile telephone payment capabilities. Before Deutsche, Mr. Obermaier was the Global Head of Anti-Money Laundering Compliance at Bankers Trust Company. Previous to that, he was a white collar criminal defense lawyer at the international law firm SkaddenArps. Mr. Obermaier has also held a number of positions with the United States Government.

Jack OskvarekJack Oskvarek, CAMS
Vice President, BSA Manager
Banco Popular North America

Jack Oskvarek is Vice President, BSA/AML/OFAC Manager and Board of Director approved BSA Officer for Banco Popular North America (BPNA).  Prior to joining BPNA in March 2010, Jack served in similar roles at Park National Bank and AMCORE Bank.  In July 2007 he was brought in to AMCORE Bank to navigate through an OCC formal agreement and consent order and build a comprehensive BSA/AML/OFAC program and team. Functioning in this integral role, all adverse OCC regulatory actions were lifted in April 2008. Jack was also responsible for overseeing Deposit Operations.  Jack has more than 25 years of banking experience.

Prior to joining AMCORE in July 2007, he was First Vice President, BSA Officer & Deposit Operations Manager at MidAmerica Bank, where he was responsible for bank-wide AML/BSA/OFAC functions (completing a full AML/FIU build-out of personnel and systems), deposit operations, servicing departments, wire operations, internal help desk, and contact center.  Prior to MidAmerica Bank, Jack served as Vice President, BSA Officer & Manager of Retail Banking Operations at TCF Bank (Standard Federal Bank), which included AML/BSA/OFAC functions, loss prevention/fraud operations, compliance, branch mgmt, and was Plan Trustee for a $10 million employee pension portfolio.  

John F. PapandreaJohn F. Papandrea
Vice President, U.S. Sanctions and Anti-Corruption Programs
Fidelity Investments

John Papandrea is Vice President, U.S. Sanctions and Anti-Corruption Programs in the Corporate Compliance group at Fidelity Investments in Boston.  In this capacity, he provides guidance to all Fidelity business units on a variety of compliance issues.  Prior to joining Fidelity, John was an attorney in private practice at Carmody & Torrance LLP in Connecticut and at Wiley Rein LLP in Washington, DC.  While at Wiley Rein, John counseled clients on compliance with economic sanctions, anti-corruption, and telecommunications issues. John earned his J.D. from the University of Chicago Law School and his B.A. from Yale College. 

Catherine "Alden" PelkerCatherine "Alden" Pelker
Intelligence Analyst
Federal Bureau of Investigation (FBI)

Angel Pendleton Nguyen
Vice President, Enterprise AML Operations and Financial Intelligence Unit
American Express

Angel Pendleton Nguyen is a Vice President in Enterprise AML Operations & Financial Intelligence Unit at American Express. Angel leads the AML Investigations teams, the Monitoring Rule Development team, the SAR Quality team, and Strategic Operations team.  These teams work together to support the SAR process at American Express, globally.  This includes the development and implementation of surveillance rules to detect suspicious activity across product lines and jurisdictions; creating procedures and guidance for reporting suspicious activity; defining best practices for and conducting investigations into money laundering, terrorist financing, and other unlawful activity; working closely with law enforcement to enhance the intelligence in long-term investigations; and managing regulatory examinations and internal audits for SAR process globally.  Angel also currently serves as a co-chair of the Pro Bono Committee at American Express.

 Prior to joining American Express in January 2008, Angel spent six and a half years at the Manhattan District Attorney's Office as an Assistant District Attorney in the Trial Division.  During her time at the District Attorney's Office, she investigated and prosecuted a broad variety of cases, including homicides, robberies, burglaries, grand larcenies, assaults and domestic violence.  Additionally, Angel joined the Sex Crimes Unit of the District Attorney's Office in 2006, and was chosen to be a charter member of Major Case Section of the Identity Theft Unit in 2007, where she was responsible for long-term, proactive investigations into identity theft, cyber-crime, and related matters.       

Angel received a B.A. from the University of Miami and a J.D., with a certificate in with an Environmental Law, from Pace University School of Law.

Gary E. PetersonGary E. Peterson
Senior Executive Vice President and Chief Compliance Officer
HSBC North America Holdings

Gary is the Senior Executive Vice President and Chief Compliance Officer for HSBC’s US holdings. From 2010-2012, he served as Senior Vice President, Anti-money laundering Director and BSA Officer for HSBC’s US and Canadian holdings. From 1993-2010, he was President of IMAG Consulting Services, which provided advice and guidance to US banks and US based branches and subsidiaries of global financial institutions regarding a variety of AML, compliance, risk, operational and enforcement issues. From 1980-1993 he was Senior Vice President, Chief of Staff, and General Counsel of Midland Bank plc in the United States. Prior to that, he was in private law practice in New York City. He is a frequent speaker and panel member on a wide variety of banking and securities topics. He has spoken at past Annual ACAMS conferences on: “Improving AML Training Programs” and “Developing an AML Enterprise-Wide Risk Methodology”.

He is a graduate of Lehigh University and the School of Law of Case Western Reserve University.  He is admitted to the New York State and Federal Bars. 

Peter L. PlattPeter L. Platt
Senior Investigator, AML/BSA Consultant
US Department of Justice – Organized Crime Drug Enforcement Task Force (OCDETF)

Peter retired in 2008 as a Supervisory Special Agent for the IRS, Criminal Investigation Division after 27-years conducting and supervising complex financial criminal investigations along the Southwest Border. He is an expert in AML/BSA investigative techniques and a former lead instructor for the IRS National Criminal Investigation Academy. Pete was the SAR Coordinator for the San Diego IRS Field Office and the HIFCA Supervisor for the Los Angeles IRS Field Office. Pete has several published AML/BSA articles and is a co-author of “Financial Investigations – A Forensic Accounting Approach to Detecting and Resolving Crimes”. He is an adjunct professor for a Southern California University and is a former Texas police officer and detective. He graduated from Abilene Christian University with a management degree and Thomas Jefferson School of Law with a law degree. He is a U.S. Navy Veteran.

Anna M. RentschlerAnna M. Rentschler, CRCM, AMLP, CAMS
Vice President and BSA Officer
Central Bancompany

Anna is Vice President and BSA Officer for Central Bancompany, Jefferson City Missouri, a $10 billion holding company in Missouri, Oklahoma, Kansas and Illinois with which she has been affiliated for 30 years. The Financial Investigations Unit, which encompasses the BSA/AML and Regulation E dispute divisions, encompass enterprise-wide consolidation of these functions for 13 affiliate banks. The enterprise wide Reg E process was added to this area due to the ties to fraudulent activity and required timelines.

Prior to developing the BSA/ AML &Reg E programs, Anna established the Compliance Division of Central Bancompany in 1989. Anna’s responsibilities with Central Bancompany have included Bank Secrecy/Anti-Money Laundering, Reg E dispute consolidation and compliance, management of the mortgage loan portfolio at one of the affiliate banks, as well as commercial and consumer lending.  Prior to joining Central Bancompany, Mrs. Rentschler spent 7 years as a National Bank Examiner with the Officer of the Comptroller of the Currency.

Steve RickardSteve Rickard
Detective Constable
National Terrorist Financial Investigation Unit (NTFIU), Counter Terrorist Command, Metropolitan Police

Steve joined the Metropolitan Police in 1987 and has been a Detective for 17 years. He has been an accredited financial investigator for 13 years and he has previously been involved in confiscation and forfeiture of assets from suspects in relation to the supply of controlled drugs.

For the last 10 years, Steve has been employed within the NTFIU, investigating the finances of core Al-Qaeda (AQ) operatives within the United Kingdom (UK) and abroad. In 2003 he led the NTFIU intelligence delivery in relation to Operation CREVICE and he was also heavily involved in the 7/7 investigation, the attack on the London transport network. 

Between 2006 and 2009, Steve was seconded to a UK intelligence agency dealing with pro-active financial investigations relating to AQ activities, he was involved in developing a strategy of financial disruption which formed part of the UK government counter terrorism programme, CONTEST.

Steve is currently involved in the training of people in relation to financial investigation techniques which are specific to terrorist investigations.

Christine Ring, CAMSChristine Ring, CAMS
Director AML/ATF Assessment Program I AML and Compliance Division
Office of the Superintendent of Financial Institutions Canada (OSFI)

Christine Ring is Director, Anti-Money Laundering and Compliance Division (AMLC), Office of the Superintendent of Financial Institutions Canada (OSFI), in OSFI's Toronto office. She joined OSFI in 1998 and was part of the Insurance Supervision Division prior to joining the Anti-Money Laundering and Compliance Division (AMLC) Division in 2005.

Christine is responsible for developing and directing the AML/ATF assessment program at OSFI, which involves assessing the AML/ATF programs at many of Canada’s largest financial institutions, including the large banks and life insurance companies, for both AML/ATF legislative compliance and prudential risk management. The program also covers Canadian institutions offshore as well as new banking and insurance entrants to the Canadian market.

Christine works closely with stakeholders and other partners in the Canadian AML regime, such as the Department of Finance, where her relationship includes providing input into domestic AML/ATF policy; FINTRAC; and law enforcement as well as other key international agencies on matters relating to money laundering, terrorist financing, and sanctions. Christine participates as a member of the Canadian delegation to the Financial Action Task Force (FATF) and conducts extensive industry outreach, including guest speaking engagements both domestically and internationally, at events such as those hosted by the ACAMS Toronto Chapter and the annual Wolfsberg Forum in Switzerland.

Anthony RodriguezAnthony Rodriguez, CAMS, CPA
Global Compliance Officer
Associated Foreign Exchange (AFEX)

Anthony is a Certified Public Accountant and currently the global compliance officer for Associated Foreign Exchange Inc. (“AFEX’). Prior to joining AFEX, Anthony’s extensive experience spans over 10 years in the MSB industry. He has held positions with RIA Financial Services one of the world’s largest money transmitters, JPMorgan Chase as vice president in the Commercial Compliance Department and Envios R.D./Pronto Envios a niche market money transmitter as their chief compliance officer. Anthony is currently a member of the ACAMS Advisory Board.

David RogersDavid Rogers
Supervisory Special Agent
Federal Bureau of Investigation (FBI)

David Rogers has been a federal criminal investigator for over 20 years.  For the first 6 ½  years he was a Special Agent with the U.S. Department of Labor, Office of Inspector General. Since that time he has been employed as a Special Agent with the Federal Bureau of Investigation. During his career with the FBI, he has worked Organized Crime matters, Labor Racketeering, Asset Forfeiture/Money Laundering and International Terrorism.  Additionally, he spent three years teaching New Agent Trainees at the FBI Academy.  Since October 2011 he has been working as a Supervisory Special Agent in the Civil Rights Unit, and is the Program Manager for Human Trafficking investigations throughout the FBI.

Bob RosenBob Rosen
Risk and Compliance Specialist
Dow Jones

Bob Rosen is the Risk & Compliance Specialist at Dow Jones helping North American clients and partners maximize their use of the Dow Jones information services. Bob is a 19 year veteran of the information industry including twelve years at Dow Jones. Prior to that, Bob worked for a number of start-up companies providing asset management software solutions. Bob is a CPA who also has an MBA from Babson College and a BBA from the University of Michigan.

Ellen Rullman, CRCM, CAMS, CIAEllen Rullman, CRCM, CAMS, CIA
Director of Compliance Testing
Capital One

Ellen Rullman joined Capital One in 2005 with the acquisition of Hibernia National Bank and is currently Director of AML Independent Compliance Transaction Testing (ICTT), leading the AML testing team.  Previously, Ellen was a Senior Manager in Corporate Audit Services, leading the AML Compliance audits, as well as in-charging other compliance audits.  Ellen graduated from Louisiana State University with a BS in Accounting.  She has multiple certifications including Certified Internal Auditor (CIA), Certified Regulatory Compliance Manager (CRCM) and Certified Anti-Money Laundering Specialist (CAMS).

Sarah RungeSarah Runge
Acting Director, Office of Strategic Policy
Terrorist Financing and Financial Crimes
US Department of the Treasury

Sarah Runge is the Acting Director of the Office of Strategic Policy for Terrorist Financing and Financial Crimes at the U.S. Department of the Treasury. The Office of Strategic Policy (OSP) helps develop policies and strategic initiatives to combat terrorist financing, WMD proliferation financing, money laundering and other illicit threats to the domestic and international financial system. In developing these policies and initiatives, OSP works with other Treasury offices and the law enforcement, regulatory, and intelligence communities, as well as with international counterparts and the private sector. 

John SabatiniJohn Sabatini
Partner, Advanced Risk & Compliance Analytics Services

John is a partner in the New York office with over 20 years of financial services and technology/ control experience. He currently serves as the National Leader of PwC's Advanced Risk & Compliance Analytics group. In this role, John works with clients to integrate, configure, remediate risk, compliance and continuous monitoring systems. He is a frequent speaker at national AML conferences. Prior to joining PwC, John served as the head of Technology Audit for Goldman Sachs, responsible for assessing the firm's internal control structure. He also established an advanced analytics and forensics testing group within the firm's internal audit department.

Michael SachsMichael Sachs
Chief of Staff, Investigation Division
New York County District Attorney’s Office

Michael Sachs is the Chief of Staff to the Investigation Division of the New York County District Attorney's Office. Mr. Sachs joined the District Attorney's Office in 2005 and has served in the Trial Division, as a Major Case Assistant of the Identity Theft Unit, and as a member of the Cybercrime and Identity Theft Bureau. Mr. Sachs has investigated and prosecuted numerous assault, narcotics, identity theft,and cybercrime cases. His most recent investigations focused on large-scale organized identity theft rings including those engaged in cyber bank fraud and the manufacture and use of forged credit cards. In 2011, Mr. Sachs was named the Prosecutor of the Year by the New York Metro Chapter of the International Association of Financial Crime Investigators.

Nancy J. SaurNancy J. Saur, CAMS, FICA
Compliance Manager 
Millennium bcp Bank & Trust 

Nancy is the Compliance Manager at Millennium bcp Bank & Trust in the Cayman Islands. Previously she was responsible for compliance and risk management for the Caribbean & Asian offices of the ATC Group. In 2004, she co-founded a successful compliance consulting company headquartered in the Cayman Islands. She also founded the Cayman Islands Compliance Association, managed the development of computer-based training for its members and created a Cayman Islands module for an international compliance training program.

Cathy Scharf, CAMSCathy Scharf, CAMS
Vice President
Operations Officer
Bank of George

Cathy Scharf, CAMS is currently vice president and Bank Secrecy Act officer overseeing AML/BSA/OFAC functions, compliance, branch management operations, loss prevention/ security operations and risk management for Bank of George in Las Vegas.

With over 25 years of experience within financial services she started her banking career at the Federal Reserve Bank. She has over 15 years experience with community banking and has been involved with developing BSA/AML programs. Cathy has provided expert guidance leading complex, high profile projects providing advisory services for Third Party Payment Processing due diligence and identifying illegal processing of internet gambling. 

In the past, she was a consultant for both Financial Institutions as well as Money Service Businesses focusing on the Southwest Border. In particular, engagements involve Anti-Money Laundering compliance, fraud and corruption investigation, transactional monitoring and compliance training. Cathy is the Co-Programming Director of the ACAMS Nevada Chapter established April 2013 and has been a Certified Anti-Money Laundering Specialist (CAMS) since 2008.

Markus E. SchulzMarkus E. Schulz
Chief Compliance Officer Europe, Middle East & Africa
GE Capital

Markus joined GE Capital in January 2013, after working many years for Zurich Insurance and before that for ABN AMRO Bank. He held a number of senior global Compliance positions, including Chief Compliance Officer Global Life, Group Financial Crime Officer, Global Head Compliance Service Center and Group COO AML Compliance. He currently is based in London and was located in Germany, UK, the Netherlands, India and Switzerland before.

Prior to his time in Compliance he served in a variety of senior in-country, Regional and Global management positions in the Back-, Mid- and Front-Office for almost a decade.

He is a very active member in the global Compliance industry is working with groups like the Wolfsberg Group, Egmont Group, Basel Institute on Governance, Insurance Europe, FATF, International Anti-Corruption Academy, the European Commission, to mention some. He has initiated and lead a number of successful collective industry action groups around topics like Trade & Economic Sanctions, AML and FATCA as well as Ethics in Business.

Markus is an Advisory Board member of ACAMS®, the leading global Association of Certified Anti-Money Laundering Specialists®. He is a very frequent and regular presenter, panelist, keynote speaker, moderator and chairman at Compliance, AML, Anti-Financial Crime and Anti-Fraud conferences and summits around the world.

Margaret SilversMargaret Silvers, CAMS
Compliance Consultant
Wells Fargo Bank

Margaret Silvers currently works in the Financial Crimes Risk Management group at Wells Fargo & Company where she leads the team responsible for corporate oversight of BSA/AML/sanctions training, communications and outreach. She has over 25 years of experience in the regulatory compliance field working at several large financial institutions.

Margaret has served on industry taskforces and been a speaker at various industry and law enforcement conferences.  She served as conference chairman for the 2000, 2001, & 2002 West Coast Anti-Money Laundering Forum and currently serves on their Board of Directors. She also served on the board of the Northern California ACAMS chapter and was the 2009 recipient of the California Bankers Association’s Distinguished Compliance Professional Award.

Kenneth Simmons, CRCM, CAMSKenneth Simmons, CRCM, CAMS
Southern District Compliance Specialist, Bank Examiner
Office of the Comptroller of the Currency (OCC)

Kenneth is a Southern District Compliance Specialist (Examiner) with the Officer of the Comptroller Currency.  He serves as a member of the OCC’ Compliance Working Group and is the Functional Examiner-in-Charge of a mid-size financial institution. He is located in Atlanta, Georgia.  Prior to the OCC, he served in a similar capacity with the FDIC. Kenneth managed Compliance and BSA responsibilities in the financial industry for over 24 years. He has managed Compliance/BSA for small community banks as well as multi-billion dollar financial institutions. He has general audit and audit management experience. Most recently, he served as a panelist at an Alabama Banker’s Association BSA conference. He has also participated in other industry conferences sponsored by the OCC, FNMA, and FHLMC.

Richard A. SmallRichard A. Small, CAMS
Senior Vice President, Enterprise Wide Anti-Money Laundering, Anti-Corruption and Sanctions Risk Management  
American Express

Rick is responsible for establishing and maintaining enterprise-wide anti-money laundering and sanctions policies and procedures. Prior to joining American Express, he was the Global Anti-Money Laundering Leader for GE Money, a division of General Electric. In this role, Rick had responsibility for anti-money laundering controls, processes and procedures for all GE Money businesses globally. Additionally, he is co-chair of the ACAMS Advisory Board.

Kenneth A. Smith Kenneth A. Smith, CAMS
Director, Special Case Management, Global Financial Crimes and Compliance
Bank of America

Ken is responsible for oversight of the Special Case Management program within the Global Financial Crimes and Compliance Anti-Money Laundering Group. In this capacity, he leads a team that is responsible for significant AML and terrorist financing investigations as well as the law enforcement liaison program. Prior to joining Bank of America in 2010, Ken served as the Special Agent in Charge, Office of Investigations, for U.S. Immigration and Customs Enforcement (ICE) in Atlanta, Georgia and had responsibility for all aspect of the ICE investigative mission in the States of Georgia, North Carolina and South Carolina. 

Prior to his appointment as Special Agent in Charge Atlanta, Ken served as the Chief of the Contraband Smuggling Unit in ICE Headquarters, Washington, D.C. Ken began his law enforcement career with the Naval Investigative Service in Norfolk, Virginia in 1985. He later became a Special Agent with U.S. Customs Service in Detroit, Michigan where he worked a wide variety of investigative areas including money laundering, narcotics smuggling and trade fraud. He also served as the Resident Agent in Charge for the U.S. Customs Service, Office of Investigations in Grand Rapids, Michigan.

Ken is a Michigan native and received a Bachelor of Science Degree in Public Administration from Eastern Michigan University. 

R. Joe SoniatR. Joe Soniat, CAMS
Bank Secrecy Act Officer
Union First Market Bankshares Corporation

Robert J. Soniat (Joe) is the BSA Officer for Union First Market Bankshares Corporation, located in Richmond, Virginia. Joe has worked as a Finance Officer for the United States Government from 2002 – 2004. He has also work as a fraud examiner for Circuit City Stores from 2004 – 2005.  He also holds a Bachelors of Science in Accounting from Virginia Commonwealth University as well as minors in Criminal Justice and International Relations. Since his time at VCU Joe has been looking for ways to help fight financial crimes and money laundering, it was not until Joe came to Union First Market Bankshares he found that he could be on the front lines in BSA.

Joe is the Officer of the BSA AML programs for Union First Market Bankshares Corporation, one of the largest community banking organizations based in Virginia.  In October of 2008, Joe became a Certified Anti Money Laundering Specialist (CAMS). Joe is also on the BSA Coalition Advisory Board Member, which consists of bankers and regulatory representatives from various federal and state banking agencies from the fifth district of the Federal Reserve. Joe was the 2008 UBSH Integrity and Trust award winner for Union First Market Bankshares Corporation. 

David StewartDavid Stewart, CAMS
SAS Financial Crimes Global Practice

David Stewart is responsible for the development of strategy, guiding product management and supporting the marketing of SAS’ fraud and financial crimes solutions for the banking industry. Stewart is responsible for coordinating best practices among SAS’ global subject matter experts in combating financial crimes. He works closely with many of the world’s most innovative financial services institutions, regulatory agencies, SAS research and development, implementation teams, and alliance partners to deliver superior solutions for fraud detection and complying with anti-money laundering regulations.

Previously, Stewart served as a SAS Business Manager at one of the world’s largest financial institutions. He has worked exclusively with financial services companies over the last 20 years on various consumer risk, marketing and compliance initiatives.

Stewart is a Certified Anti-Money Laundering Specialist, serves on the North Carolina ACAMS board, and holds a bachelor’s degree in economics from North Carolina State University.

Daniel P. StipanoDaniel P. Stipano
Deputy Chief Counsel
Office of the Comptroller of the Currency (OCC)

Daniel P. Stipano is the deputy chief counsel for the Office of the Comptroller of the Currency.  He served as Acting Chief Counsel from October 2004 to August 2005, and from October through December 2012.

As deputy chief counsel, Mr. Stipano supervises the OCC’s Enforcement and Compliance, Litigation, Community and Consumer Law, and Administrative and Internal Law Divisions. He also supervises the OCC district counsel staffs in the OCC’s Southern and Western Districts. 

From 1995 to 2000, Mr. Stipano served as the director of the OCC’s Enforcement and Compliance Division.  In this position, he headed the division that was responsible for taking administrative enforcement actions against national banks and their institution-affiliated parties. From 1989 to 1995, Mr. Stipano was an assistant director in the Enforcement and Compliance Division, after joining the OCC in 1985 as a staff attorney in the division.

In 1985, Mr. Stipano was a staff attorney at the Federal Energy Regulatory Commission and, from 1983 to 1985, he was an associate with the law firm of Jackson and Jessup, P.C., in Arlington, Virginia. 

A member of the Virginia State Bar and the American Bar Association, Mr. Stipano also represents the OCC on the Treasury Department’s Bank Secrecy Act Advisory Group and the National Interagency Bank Fraud Working Group.

Mr. Stipano received his JD degree from the Marshall-Wythe School of Law, College of William and Mary in 1983.  He also received a BA degree, summa cum laude, from Union College, in 1980, where he earned Departmental Honors in Political Science and was elected Phi Beta Kappa.   

Brian StoeckertBrian Stoeckert, CAMS, CFE
Principal, Chief Strategy Officer, CoinComply
Principal, FC Strategy Group LLC

Brian is a recognized expert by the Wall Street Journal in financial crimes and currency exchange. He is the Chief Strategy Officer at CoinComply, a digital currency consultancy, offering the first end-to-end AML, KYC, and transaction monitoring service solely dedicated for cryptocurrency companies, start-ups, and venture capitalists. He is also a Principal at FC Strategy Group, a boutique consultancy delivering highly specialized skills to organizations seeking critical strategic execution of management directives. He serves as the Chair of the ACAMS Chapter Steering Committee, as Co-Chair of the ACAMS Northern California Chapter, and served as a founding Executive Board member of the ACAMS Southern California Chapter. Brian is also the recipient of the 2011 ACAMS Volunteer of the Year Award. He received his Juris Doctor from New York Law School and his Bachelor of Arts from Stony Brook University.

Craig StoneCraig Stone
Managing Director
Alvarez & Marsal

Craig D. Stone is a Managing Director with Alvarez & Marsal Financial Industry Advisory Services in Houston. He brings a unique and varied background with substantial and proven financial service experience, focusing on risk identification and controls. With more than 28 years in regulatory bank supervision, Mr. Stone has been directly involved in troubled bank oversight, compliance risk management and fiduciary activities risks assessment. He possesses a broad set of skills with experience in a wide-variety of banking activities, including enterprise-wide risk management, corporate governance, Bank Secrecy Act /anti-Money Laundering Activities and compliance risk management.

Prior to joining A&M, Mr. Stone was a National Bank Examiner and  the Deputy Ombudsman for the Comptroller of the Currency (OCC) charged with the day-to-day management of the Customer Assistance Group (CAG). In this role, he was responsible for leading a staff of more than 70 professionals including National Bank Examiners, consumer compliance specialists and information technology experts. He was a key contributor in the creation of early warning tools and measures to identify emerging industry and / or institution specific risks, through the leveraging of customer complaints received by CAG. In addition, he led or provided support in the analysis and processing of complex regulatory disputes and appeals received by the Ombudsman from national banks. Furthermore, he pioneered the concept and branding of a consumer-based internet site which automated select business support functions and expanded customer self-service.

Previously, Mr. Stone served as a National Bank Examiner with a focus on retail banking and compliance risk management. In this role, he was a directly involved in reviews and examinations of many of the largest banking organizations in the country. He has also provided expert witness testimony in Federal Court on allegations involving fraudulent lending and improper insider transactions. Mr. Stone began his regulatory career in the analysis and examination of bank fiduciary activities and asset management, earning a National Trust Examiner commission.

Mr. Stone earned a bachelor’s degree in banking and finance from Texas State University. He later attended the U.S. Treasury Executive Leadership Program in Charlottesville, Virginia. Mr. Stone is a founding member of the International Network of Financial Service Ombudsman. In addition, he is a frequent speaker at industry conferences on Financial Institution Risks, Consumer Compliance, Bank Secrecy Act/AML and Customer Service. 

Kevin SullivanKevin Sullivan, MS, MMBA, CAMS
The AML Training Academy

Kevin Sullivan retired as an Investigator from the NY State Police after 22 years in law enforcement. Kevin was the state money laundering investigations coordinator assigned to the NY HIFCA El Dorado Task Force in Manhattan.  The HIFCA El Dorado Task Force is a multi agency task force that comprises members from ICE, FBI, Secret Service, US Attorney, NYPD, Manhattan DA and NY State Police The unit specialized in organized crime, narco dollars and terrorist financing. Kevin’s police experience ranges from narcotics to major crimes to money laundering and related financial crimes. Kevin was responsible for case reverse engineering, SAR analysis and review and special projects consisting of developing intelligence on the latest money laundering trends and patterns.

Kevin was one of the lead instructors for Operation Cornerstone, which assisted financial institutions with their AML and BSA compliance programs. His unique, conversational and often hilarious style of training makes his seminars anything but boring. Kevin possesses a Masters in Economic Crime Management, a MMBA and is Sig Sigma compliant.  Kevin is a Certified Anti Money Laundering Specialist, the Chairman of Association of Certified Anti Money Laundering Specialists Education Task Force and a Certified Anti Money Laundering Professional. 

Christine SzafranskiChristine Szafranski, CAMS
Assistant Director of Enterprise Privacy and AML Compliance
Northwestern Mutual

Chris Szafranski is the Anti-Money Laundering Officer for The Northwestern Mutual Life Insurance Company and provides oversight for Northwestern Mutual's Enterprise AML program. Her experience includes program and customer risk assessments, drafting firm policies and procedures, training development and delivery, implementation of automated transaction monitoring and case management solutions, and investigations. She is a participating member of the American Council of Life Insurance (ACLI) AML/CI Workgroup, as well as the BSAAG SAR Sub-Committee. 

In 2012, in addition to her AML role for Northwestern Mutual, Chris also assumed responsibility for the company's privacy program. Her team oversees privacy training, incident management, and customer notification and also works very closely with I.T. Information Risk Management.

Chris has over twenty years of experience in the financial services industry and is a Certified Anti-Money Laundering Specialist (CAMS). She holds a Bachelor of Science degree in Communications from Illinois State University. She is also a Fellow of the Life Management Institute (FLMI) and is Series 6, 7 and 24 qualified.

Daniel TannebaumDaniel Tannebaum
Director, Financial Crimes Practice

Daniel Tannebaum is a Director in PwC’s Financial Crimes Advisory Practice. His practice specializes in providing strategy, advisory and assessment support to global financial institutions and multinational corporations. Previously he was Senior Associate and Commercial Financial Crimes Leader at Booz Allen Hamilton. Daniel led a team of experienced former government regulators and commercial compliance officers. Prior to joining Booz Allen Hamilton he served as the Head of Compliance for the Americas at Travelex. Dan directed a staff of over 30 Compliance professionals in the U.S., Canada and Brazil.

Before joining Travelex, Dan was the OFAC Compliance Coordinator for the Federal Reserve Bank of New York, where he advised the Bank on OFAC issues. Dan also served as Senior Consultant at Protiviti Inc., serving in the Regulatory Risk Practice as the firm’s OFAC subject matter expert. Dan has conducted BSA/AML/OFAC compliance audits for major domestic and international financial institutions and developed OFAC policies, procedures and risk assessments for various clients.

Dan began his career in Compliance when he served as a Compliance Officer with the Office of Foreign Assets Control (OFAC), US Department of the Treasury. He was appointed in 2006 to the Indian Gaming Working Group, an interagency task force comprised of various federal law enforcement agencies providing advisement to the tribal gaming community. Dan received the FBI Director’s Certificate for Exceptional Service in the Public Interest in May 2007. He was an instructor at the Department of Homeland Security’s Federal Law Enforcement Training Center course on International Banking and Money Laundering, and has trained Federal Reserve national supervisory examiners and FDIC examiners on OFAC regulations and policies.

Max R. TappeinerMax R. Tappeiner, CAMS
Program Director, Enterprise-Wide AML Risk Assessment
TD Bank Group

Max brings over 10 years experience in domestic and international institutions, specializing in AML compliance in a global context.  As Program Director of Risk Assessment, he is responsible for strategic direction of the enterprise-wide annual risk assessment at TD Bank. Prior to joining TD, he led subject-matter expert groups at RBS and ABN AMRO in developing workable transaction monitoring standards for businesses in 53 countries.  He also worked with business lines to identify products and AML risks in order to appropriately monitor them.  In addition to transaction monitoring work, Max advised ABN AMRO on complex cross-border AML issues.  He also managed the bank’s financial intelligence unit in New York, conducting in-depth investigations of correspondent banking activities.

Chuck TaylorChuck Taylor, CAMS
Senior Vice President and BSA Officer
City National Bank

Charles "Chuck" Taylor is currently Senior Vice President and BSA Officer for City National Bank. A 20+ billion dollar bank headquartered in Los Angeles with offices in California, Nevada, New York, Georgia and Tennessee. He has oversight responsibility for all aspects of the BSA function including maintenance of the Bank’s BSA program, BSA Risk Assessment, AML Monitoring, Currency and Suspicious Activity Reporting, Customer Identification Program, and BSA Training.

Chuck completed his Juris Doctorate in 2001, received certification as an Anti-Money Laundering Specialist (CAMS) in 2003 with the inaugural class and became a Certified BSA Officer in 2007. In 2010 Chuck completed the Masters level Bank Management & Finance program through Pacific Coast Banking School. Chuck is a founding member and current Co-Chair of the Southern California chapter of ACAMS.

Photo not availableJeanne H. Thurman, CPA, CAMS
Director, AML Compliance Executive
Global Financial Crimes Compliance (GFCC)
Bank of America

Jeanne H. Thurman is a Director and the Global Financial Crimes Compliance Executive for Enterprise Control Functions and Global Technology & Operations for Bank of America. Her responsibilities include leading a team of compliance officers that consults with these businesses on financial crime risk issues, overseeing the implementation of the Global Financial Crimes Policies and Standards in these businesses and managing the completion of Anti-Money Laundering (AML) Risk and Control Assessments execution for her areas of responsibility. These areas include: Wire Transfer Operations, Large Currency Reporting, Vendor Management, Human Resources, and Cash Vault Operations. Ms.Thurman participates in numerous senior management meetings and interactions with various regulators.

Ms.Thurman joined Bank of America in 1987, starting her career in Internal Audit. She then spent several years managing domestic and international payments operations and leading operations projects and site/system consolidations. For the last 17 years she has worked within Global Compliance  managing key financial crimes functions, including overseeing the development and delivery of enterprise AML training; establishing and executing AML and Economic Sanctions risk assessment processes globally; leading the Economic Sanctions Program; and overseeing the operational risk management and metrics, governance routines, and audit and exam management functions. Ms.Thurman participates in government, regulatory, and industry trade associations and forums; she has presented at numerous financial crimes conferences.

Ms.Thurman is a CPA, CAMS certified, and Six Sigma Greenbelt certified. Ms. Thurman earned a bachelor’s degree in accounting and management from Appalachian State University.

Brian Vitale, CAMS 
Director, Compliance Risk Management
Notre Dame Federal Credit Union

In 1996, Brian earned his Political Science degree from North Central College in Naperville, Illinois.  Following college, Brian was recruited by the National Security Division of the Federal Bureau of Investigation where he specialized in Counterterrorism and Foreign Counterintelligence.  During his tenure, Brian was assigned to work the FBI’s most sensitive international terrorism and espionage cases.  Additionally, Brian is a decorated military veteran who served his country in Guantanamo Bay, Cuba in the early 1990’s.

Brian has over twenty years of banking, finance and investigative experience; a number of those years dedicated to the Anti-Money Laundering and Combating the Financing of Terrorism effort.  He holds the position of Director of Compliance Risk Management for Notre Dame Federal Credit Union.

Brian is an Executive MBA candidate, attending the University of Notre Dame in South Bend, Indiana where he, his wife and three daughters reside.

William VoorheesWilliam Voorhees, MFA, CAMS, C.F.E.
Senior Director - Financial Intelligence Unit (FIU) & Global Deposit Operations (GDO)
SVB Financial Group

Will Voorhees is the Director of the Financial Intelligence Unit at SVB Financial Group, a Silicon Valley- based, international financial institution that serves technology, life science, and venture capital markets. SVB operates globally with offices in the US, UK, Cayman Islands, India, Israel and China. In this role, Will worked to combine fraud and AML into one distinct group, increasing efficiency through sharing a single case management system and aligning synergies within the group. Over the past two years, Will directed the design of an anti-efraud program to successfully thwart cyber attacks against SVB’s commercial clients. Due to the uniqueness of SVB’s client base in high tech, Will has had the opportunity to be involved with emerging technologies in virtual platforms, electronic currencies, and nontraditional payment methods. Will is a Gulf War veteran, prior municipal police officer and holds a Masters degree in Forensic Accounting. He is a Certified Fraud Examiner and Certified Anti-Money Laundering Specialist and is the founding co-chair of the ACAMS Northern California Chapter and also serves on the speaker faculty for ACAMS conferences and learning events

Daniel WagerDaniel Wager, CAMS
Senior Vice President and Head of Global Enhanced Due Diligence
TD Bank

Prior to joining TD Bank in September 2011, Daniel served as a Supervisory Special Agent with the Department of Homeland Security, Office of Homeland Security Investigations (HSI). From 2008 to 2011 he served as the director of the New York High Intensity Financial Crime Area (HIFCA), a multi-agency financial intelligence unit that was identified in the 2006 FATF United States Mutual Evaluation as "a model for the rest of the country. During his service with HSI, the U.S. Customs Service, and the U.S. Department of Labor's Office of Labor Racketeering and Fraud Investigations, Daniel conducted investigations into traditional organized crime, fraud, narcotics, insider trading, arms trafficking, national security and terrorism. He is the recipient of commendations from the Director of the Federal Bureau of Investigation and the Central Intelligence Agency for his work in national security investigations. Daniel is a veteran of U.S. Army Special Operations and Military Intelligence, with combat service in Panama and Iraq.

#John Wagner, CAMS, NBE
Director, BSA and AML Compliance
Office of the Comptroller of the Currency (OCC)

John was named director for Bank Secrecy Act and Anti-Money Laundering Compliance in the Compliance Policy Division of the Office of the Comptroller of the Currency (OCC) in March 2005. John directs the development of Bank Secrecy Act and anti-money laundering examination policy and procedures. He also provides policy interpretations and guidance to field staff, represents the OCC and the U.S. Treasury on interagency task forces, and develops training programs. Prior to 2005, John served as a Bank Secrecy Act (BSA) / anti-money laundering (AML) specialist in the OCC’s Compliance Policy Division.

William D. Ward, CAMSWilliam D. Ward, CAMS
Executive Vice President
Chief BSA/OFAC & Security Officer
Union Bank

Bill has over 25 years combined experience in law enforcement, corporate security, investigations, fraud prevention and Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) compliance. Prior to joining Union Bank, Bill was with Sky Financial Group where he was the  BSA/AML and Security Officer overseeing the BSA/AML program, corporate security, fraud prevention & corporate investigations. Bill previously worked at Riggs Bank during their landmark BSA/AML enforcement action and assisted with the development of the BSA/AML program; focusing on the creation of the FIU and the integration of AML/ATF investigations and  fraud prevention initiatives. 

Currently, Bill is the Executive Vice President, Head of Financial Crime Risk Management at Union Bank. Bill’s responsibilities include the BSA/AML, Economic Sanctions, Corruption, Enterprise Fraud and Corporate Security & Investigations. During his tenure with law enforcement, Bill served in numerous roles which includes criminal investigations involving financial crimes, narcotics, vice and organized crime. Bill is a graduate of the Public Safety Executive Management program from Northwestern University and has a BA in Criminal Justice and Community Studies.

Ted Weissberg, CAMS
Chief Executive Officer

Ted Weissberg is the CEO of ACAMS. Prior to joining ACAMS in 2009, Weissberg was President of the Information and Training unit of Fortent, Inc. and spent 15 years at Thomson Financial in various editorial, publishing and general management roles, including President of Thomson’s Venture Economics unit. In total, Weissberg has worked in the information and training field for more than 25 years. Weissberg is a graduate of Wesleyan University. He has authored two books, a biography of Arthur Ashe, and an expose of NCAA sports scandals. 

Thomas J. Welch Thomas J. Welch
Supervisory Special Agent, Financial Group,
Special Agent in Charge Office, Phoenix, Arizona
US Immigration and Customs Enforcement (ICE), Homeland Security Investigations (HSI)

Mr. Thomas J. Welch is a Supervisory Special Agent for the HSI Special Agent in Charge (SAC) Phoenix Office where he has oversight over HSI financial investigations in the District of Arizona. His group is responsible for conducting investigations into Transnational Criminal Organizations TCO's. His group conducts money laundering investigations as they relate to narcotics and human smuggling as well as conduct investigations in reference to violations of wire fraud and bank fraud. He and his group are members of two significant task forces: (1.) the High Intensity Drug Trafficking Area (HIDTA) Financial Task Force with the Phoenix Police Department and Arizona Department of Public Safety and (2.) the Suspicious Activity and Border Related Task Force with the Internal Revenue Service (IRS) Criminal Investigation Division. Mr. Welch began his law enforcement career in 1991 as a Special Agent with the Arizona Attorney General's Office in Phoenix, Arizona, where he worked in the Organized Crime, Major Fraud and Environmental Crimes Units. Mr. Welch is a graduate of Arizona State University in Tempe, Arizona with a bachelor's degree in Justice Studies.

Grahame WhiteGrahame White 
Head of Europe 

Grahame is a very recently retired detective from New Scotland Yard and joins ACAMS as head of European Operations. His previous experiences include 12 years at the National Terrorist Financial Investigation Unit and the Metropolitan and City Police Company Fraud Department in a police career spanning 30 years. Grahame was the designated financial investigator on Operation Crevice, the fertilizer plot and still the longest trial in UK Criminal History, and 7/7 The Suicide Bombings of the London Transport Network in July 2005.

Denise WhitingDenise Whiting, CAMS
Vice President, AML Compliance
US Consumer and Commercial Banking

In her current role, Denise is a member of the Enhanced Due Diligence AML Compliance team at Citibank. She is responsible for quality assurance of the Enhanced Due Diligence reviews for the North America Region. 

Before joining Citibank, Denise worked as an AML Auditor with Ally Bank; Commercial Compliance and AML Investigations with Bank of America; and Fraud Investigations with Wachovia / Wells Fargo Bank.

Prior to joining the private industry, Denise was in the public sector as a Sentencing Specialist with the North Carolina Administrative Office of the Courts.

Denise is based in the Charlotte, North Carolina area. She is listed as a co-inventor on US Patent #20110087495: Suspicious Entity Investigation & Related Monitoring in a Business Enterprise Environment. Denise was an invited speaker at the 5th Annual Terrorism Financing & Money Laundering Forum (SAS Institute) and the 2009 FBI Bank Outreach Conference Combating Terrorist Financing (NY Federal Reserve).

Peter WildPeter Wild, FCA, CAMS
Vice President and IT Audit Partner
JPMorgan Chase

Peter joined the Internal Audit Department of the Firm in 1996 and has been responsible for the Information Technology audit support for the corporate Legal & Compliance applications since 2007. Upon moving to America from England, in 1980, he became the IT Audit Director for Republic National Bank of New York. Later he was a Senior Audit Manager at Coopers & Lybrand and then moved to the Melville Corporation as the IT Audit Director and subsequently became their Director of Information Systems Planning. He is a Fellow of the Institute of Chartered Accountants in England & Wales (FCA) and he is a Past President of the New York Chapter of the Information Systems Audit and Control Association (ISACA). He is a member of the ACAMS Audit Faculty and the Board of the ACAMS New York Chapter.  He is also a member of the Honourable Artillery Company of London.

Suzanne WilliamsSuzanne Williams
Assistant Director, Bank Supervision & Regulation
Board of Governors of the Federal Reserve System

Suzanne Williams is the Assistant Director for Corporate Governance in the Bank Supervision and Regulation Division of the Board of Governors of the Federal Reserve System. In this capacity, Ms. Williams oversees the Federal Reserve’s policy, guidance, and initiatives related to the Bank Secrecy Act (BSA), anti-money laundering (AML), and Office of Foreign Assets Control.  She is also responsible for oversight of regulatory and strategic policy related to incentive compensation, corporate governance and corporate compliance. Prior to assuming this position, Ms. Williams served as Manager of the BSA/AML Section responsible for designing and implementing supervisory strategies, including enforcement actions, to address significant BSA/AML and OFAC issues at supervised institutions. She joined the Board in 2005 after spending 15 years at the Federal Deposit Insurance Corporation and the Department of the Treasury in various bank supervisory positions.  Ms. Williams has a master’s degree in financial management from University of Maryland and a bachelor’s degree in international business from King’s College.

James WillisJames Wills
Senior Business Manager – Banking Initiatives/Standards

James Wills is a senior business manager and the market/standards representative for the North American Market as part of the Banking Initiatives Team for SWIFT Americas.  Based in New York, Mr. Wills works closely with a variety of standards-setting bodies, trade associations and member communities on standardization issues in financial market areas including compliance, payments, cash management, and trade finance.

Mr. Wills joined SWIFT in 2006 as Head of Trade Standards Development responsible for SWIFT implementation in conjunction with UCP 600 and SWIFT TSU (Trade Services Utility) message development.  He has held the industry banking initiatives role for several years.

Prior to joining SWIFT, Mr. Wills worked as the global Anti-Money Laundering Business Line manager for Fortent, a privately held software company. Previously, he worked as a Senior Vice President with Union Bank of California where he had responsibilities in the areas of general management, compliance, trade, payments, cash management and sales.

Mr. Wills earned a B.A. degree from Beloit College in Beloit, Wisconsin, and an M.A. from the American Graduate School of International Management in Glendale, Arizona.

Richard WrightMark A. Witzal
Deputy Assistant Director, Financial, Narcotics, and Special Operations Division       
US Immigration and Customs Enforcement (ICE)
Homeland Security Investigations (HSI)

Mark A. Witzal was recently appointed to serve at the Deputy Assistant Director of the Financial, Narcotics and Special Operations Division. Mr. Witzal oversees a wide variety of programs and operations that investigate transnational criminal organizations that seek to exploit America’s legitimate trade, travel, and financial systems for illicit purposes. Investigations under this division focus on money laundering, bulk currency smuggling, narcotics and contraband smuggling, and other financial and trade-related crimes. Prior to this assignment, Mr. Witzal served as the Deputy Assistant Director for the National Intellectual Property Rights Coordination Center (IPR Center) in Arlington, Virginia for two years. In this position, he oversaw all of the Intellectual Property and Commercial Fraud operational components, and served as the Deputy Director for the IPR Center to oversee operations with the 21 partner agencies of the IPR Center.

Prior to being selected by Director Morton for this assignment, Mr. Witzal served in several offices and positions. He was the Deputy Special Agent in Charge for the HSI New Jersey field office. During this assignment, he was the senior operations manager in command of ICE/HSI investigations that occur within New Jersey. Prior to becoming the Deputy, Mr. Witzal served as an Assistant Special Agent in Charge for the Public Safety Division, where he managed investigative groups that target transnational criminal organizations that are involved in the cross border smuggling of narcotics and contraband merchandise.

Mr. Witzal has over 23 years of federal law enforcement experience. During his tenure as a federal law enforcement officer, Mr. Witzal has also worked as a field investigative agent and supervisor in the area of commercial fraud, trade based money laundering and narcotics. He managed three different investigative groups for the ICE/HSI field office in New York. His specialty lies in investigating transnational criminal organizations that smuggle illegal merchandise across international borders. In addition to his experience as field agent and supervisor, Mr. Witzal was assigned to legacy U.S. Customs Headquarters in Washington, D.C. in the Fraud Investigations Division, where he managed the Forced Labor program, and also served as an operations manager coordinating headquarters interaction with the field offices in San Diego and Seattle. Mr. Witzal holds a Bachelor’s degree from Montclair State University.

Preston WoodPreston Wood
Executive Vice President and Chief Information Security Officer
Zions Bancorporation

Preston oversees Zions’ Fraud Management, Security Analytics and Forensics, Information Security, Physical Security, Corporate Investigations, Technology and Operations Risk, and Business Resiliency for eight banks in eight high growth western markets. 

He is a veteran Security and Information Technology professional, with over 15 years of hands-on experience in an Information Technology, Security, and Risk capacity. Because of this, he is a frequent speaker on various security and fraud topics. Preston’s unique blend of skills combines real-world business and technology experience with a keen understanding of security and risk management.

Preston holds a Bachelor’s Degree in Computer Science and an MBA.

Susan E. Woods Susan E. Woods
Financial Crimes Compliance Attorney

Susan Woods is a Financial Crimes Compliance Attorney, most recently serving as the Global Anti-Money Laundering (GAML) Legal Assurance Officer and Head of AML Legal Operations Group for a large, global financial institution. She provides strategic direction, program development and execution, and manages legal matters relating to Anti-Money Laundering, Anti-Terrorist Financing, the Bank Secrecy Act, and the Office of Foreign Assets Control. She has also held positions in Corporate Security Services and Investigations, as well as Fraud Operations, where she was responsible for conducting risk assessments, identifying emerging physical security and financial fraud trends, and making recommendations to mitigate risk and limit impact on banking operations.

Susan has served as a Special Agent for both the Federal Bureau of Investigation and the Central Intelligence Agency – Office of the Inspector General, specializing in international financial fraud, money laundering, and terrorist financing investigations. She was actively involved in the Evidence Response Team while with the FBI, and has completed advanced training in Human Remains Recovery, Post-Blast Recovery, and Forensic Document Recovery and Preservation. She began her professional career as an attorney with Child Support Services of Tennessee in Union City, Tennessee, where she was responsible for the case management and litigation of child support and paternity establishment cases.

She graduated from the University of Tennessee at Martin, earning her bachelor's degree in Criminal Justice, and from the University of Memphis, School of Law, earning her Juris Doctor degree in law.

Richard WrightRichard Wright
Director of AML Monitoring Program Strategy and Development

Rick Wright is Director of AML Monitoring Program Strategy & Development at Citi focusing on data analytics, risk tolerance and continuous improvement.

Mr. Wright worked for 12 years in multiple countries including Yemen, Saudi Arabia, Bahrain Cayman Islands and Antigua and in NYC for 4 years with MCI as a telecommunications engineer before joining AML operations at Citi in 2001. He has spent the past 12 years actively enhancing AML behavior detection systems and process. Rick has presented at several industry forums on topics from optimization to risk tolerance for modeling. He is forging strategic innovations to build a future vision of AML monitoring.