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Lisa Arquette, CAMS
Associate Director, Division of Supervision and Consumer Protection
Federal Deposit Insurance Corporation

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 to transactions such as deposit insurance, mergers, and changes of control. Ms. Arquette also manages the Expanded Bidder Qualification Process related to troubled institutions. Ms. Arquette had prior responsibility to administer programs that encompassed: bank-related fraud matters, cyber-fraud, policy related to fiduciary activities, government and municipal securities dealers and registered transfer agents, as well as, the national background check program. Ms. Arquette began her FDIC career as a safety and soundness bank examiner in the Dallas Region. Since then, she has also held the positions of Senior Capital Markets Specialist and Risk Management Review Examiner.

John H. Atkinson, CAMS
Director, Regulatory Risk Consulting
Protiviti
Former Assistant Vice President, Federal Reserve Bank of Atlanta

John is a Director with Protiviti in the firm’s Regulatory Risk Consulting practice, where he consults with a broad array of financial institution clients on regulatory and risk management issues, with an emphasis on anti-money laundering risk management. John joined Protiviti in June 2008 after a 30-year career at the Federal Reserve Bank of Atlanta, where he had oversight and management responsibilities at the official level for numerous bank supervision functions, including anti-money laundering, enforcement, fiduciary risk, international bank supervision, operations risk, consumer compliance, and policy development. John has been a regular speaker for many years at professional conferences and events for industry, regulatory, and law enforcement groups on both a national and international basis. He has a B.A. degree in Economics from Emory University, Atlanta, Georgia, and attended the Executive Development Program at the Kellogg School of Management, Northwestern University, Chicago, Illinois.

Mitch Avnet
Senior Vice President
Chief Ethics and Compliance Officer
Lincoln Financial Group

Mitch Avnet is Senior Vice President and Chief Ethics and Compliance Officer at Lincoln Financial Group in Radnor, Pa. Avnet is responsible for Enterprise Compliance and Ethics at Lincoln Financial, having direct oversight of the company’s anti-money laundering, privacy, ethics and compliance risk management programs. In addition, Avnet works closely with the Lincoln Financial Business Law and Compliance teams to ensure continuity and consistency in the company’s strategic delivery of compliance resources / services throughout the Lincoln Financial footprint.

Over the span of Avnet's 18-year career in the financial services industry, he has developed an extensive knowledge of both buy side and sell side businesses, with a deep understanding of Equity and Fixed Income Markets, Derivative Instruments, Structured Products and Variable Products.

Bill Badinelli
Senior Vice President/Audit Partner
Group Internal Audit-Americas
AML and Regulatory Risk
Royal Bank of Scotland

Elizabeth Paige Baumann
Vice President, Deputy Anti-Money Laundering Officer
FMR LLC

Kieran Beer
Editor-in-Chief
ACAMS MoneyLaundering.com

Kieran Beer is the founding editor of ACAMS MoneyLaundering.com and has been the editor-in-chief and editorial director for ACAMS MoneyLaundering.com 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. After launching Capital Markets Analyst at Thomson Financial, 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 CNBC, WCBS and spoken on Bloomberg radio (WBBR) addressing banking and other financial issues.

Shannon Bennett, CRCM, CAMS
Senior Director, Law Enforcement Liaison & Technical Strategies
MoneyGram International

Shannon, who joined MoneyGram in 2006, has responsibility for building the company’s relationships and working closely with law enforcement agencies as well as overseeing and globally centralizing the subpoena processing team. She focuses her efforts on leveraging law enforcement input and knowledge to advance company efforts to systemically prevent fraud and manage compliance. During her tenure at the company, Shannon has served in a variety of compliance leadership roles including agent oversight, compliance technology initiatives, government reporting and transaction monitoring functions, most recently as Sr. Director, AML Compliance Operations and Technology.

Shannon joined MoneyGram from Wells Fargo’s Home and Consumer Finance Group where she was a Vice President in the Enterprise Risk Management Group (ERMG) leveraging common technology and building capabilities across HCFG’s real estate lending business and implementing a Global delivery strategy.

With her entire career spent in the financial services industry, she has significant experience in providing a wide range of compliance advice and technology guidance. She frequently presents at industry seminars and conferences. She is currently serving on the Executive Board of the ACAMS Greater Twin Cities Chapter, the Advisory Board for the ML.com conference and the ACAMS Annual Conference Task Force.

Mary Bhawnani
Director
AML Risk Management

Mary is the Managing Director of AML Risk Management Ltd, and over the last five years has provided strategic and technical financial crime risk management expertise to corporate and financial service clients. In 2004, she joined ABN AMRO’s Wholesale Compliance team and was responsible for the development and management of the Bank’s AML Advisory function. This followed her time at Bank of America’s Corporate and Investment Bank, where she was responsible for the management of the AML Programme for the EMEA region. As a former FSA Supervisor of Investment Business firms, she provided AML guidance and training to colleagues. In 2001 she was the FSA Money Laundering Theme Project’s Senior Associate, conducting sector-wide analysis of AML compliance across regulated firms.

Debra Bonosconi, CAMS
Director, Global Head Quality Assurance
Citigroup

Valentina Broussilovskaia, CAMS
Senior Manager, AML Analytics
TD Bank Group

Valentina provides the Global AML functions at TD Bank Group with the data-driven analysis of unusual transactional and behavioral patterns, regular and ad-hoc trend reporting, and analytical support for complex investigations. She is leading new monitoring development activities and she is responsible for fine-tuning the existing scenario coverage in the transaction monitoring system. Prior to joining TD Bank Group, Valentina served in a similar role at Royal Bank of Canada, providing oversight of transaction monitoring scenarios and analytical models.

Valentina received a Masters degree in Applied Mathematics from the Moscow University of Electronics and Mathematics.

John J. Byrne, Esq., CAMS
Executive Vice President
Association of Certified Anti-Money Laundering Specialists

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.

Tim Byun, CFA, CAMS
Head of Global Credit Settlement Risk and AML/ATF Officer
Visa

Tim Byun has been with Visa since February 2009 and currently serves as the AML/ATF Officer and Head of Global Credit Settlement Risk. In this role, Mr. Byun has developed and executed leading programs to ensure that the Visa’s payment system is not used to facilitate money laundering or the financing of terrorist activities. Prior to joining Visa, Mr. Byun served as a bank regulator for sixteen years. He was with the Federal Reserve Bank of San Francisco's Division of Banking Supervision and Regulation for twelve years in various positions, including as an Examining Manager in the Regional and Foreign Institutions Group. He also worked for the Federal Deposit Insurance Corporation in Los Angeles as a commissioned bank examiner.

Pete Caddigan
Vice President, Global Security and Investigations
MoneyGram International

Retired from Federal Law Enforcement after serving for 24 years. Conducted complex investigations involving fraud, counterfeit, insider threat and internal affairs as both a field agent and supervisor. Current responsibilities with MoneyGram are to foster a lasting partnership with local, state and federal law enforcement relating to the identification and prosecution of those persons involved in criminal activity involving the electronic transfer of money around the world, helping to educate the public about scams created to defraud our consumers of large sums of money, and assisting with company strategic planning for protecting the integrity of our industry. Routinely meet with members of the various federal law enforcement agencies in Washington DC.

Paul Camacho
Special Agent in Charge, Department of the Treasury
Internal Revenue Service, Criminal Investigation

For the past three years, Paul has been 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, CAMS
Executive Compliance Director and BSA/AML Officer
Ally

Jim Candelmo is the Executive Director/Bank Secrecy Act Officer for Ally Financial, Inc. where he 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.

Corey M. Cardine
Senior Vice President, BSA/AML Systems, Technology & Data Integrity
HSBC Bank USA

Nelson Cardona
Senior MLRO Advisor and Global Head for Sanctions
Barclays

Nelson Cardona is the Global Head for Sanctions of Barclays’ corporate and investment banking businesses, where he is responsible for the sanctions compliance program globally and serves as Senior Advisor on anti-bribery and corruption, and economic sanctions matters. Prior to joining Barclays in 2009, he was the Global Head of Sanctions Compliance for Citi. During his 15 years in Citi, Mr. Cardona held various compliance positions at the corporate center, where he managed firm-wide bank regulatory, sanctions and FCPA compliance initiatives, and the corporate and investment bank, where he led the compliance function for the Latin America Region and Citibank, Puerto Rico. Mr. Cardona has degrees in law and in industrial engineering.

Elliot Casey
Assistant Commonwealth’s Attorney
Special Assistant United States Attorney
County of Albemarle, Western District of Virginia

Elliott Casey is an Assistant Commonwealth's Attorney for the County of Albemarle, and formerly prosecuted for City of Alexandria and the County of Arlington in Virginia. Elliott specializes in money laundering, narcotics, and complex white collar offenses. A graduate of the University of Virginia School of Law, is cross-designated as an Assistant United States Attorney for the Western District of Virginia. Elliott also instructs law enforcement agencies throughout the D.C. area in forfeiture, money laundering, identity theft, and search & seizure.

William Chapman, CAMS
Director
Aub Chapman Consulting Services Proprietary

Prior to his retirement, Aub Chapman was a career banker with over 42 years of professional experience. In his last role at Westpac Banking Corporation, he was responsible for managing a number of functions including Group Fraud Control, Physical Security, Business Continuity Services, Cash and ATM Services as well as managing the group’s compliance with AML/CTF legislation. Since his retirement, Aub has been consulting in both the public and private sectors, not only in Australia, but also internationally. He specialises in controls against financial crime and management of cash services. His international experience includes assignments for the United Nations, the Asian Development Bank, The Eurasian Group on Money Laundering (on behalf of the FSVC), Bank Negara Malaysia, Institut Bank-Bank Malaysia and the Labuan Offshore Financial Services Authority. He has been a guest speaker at a number of international AML/CTF conferences and international conferences associated with the cash services industry.

Vasilios P. Chrisos, CAMS
Americas Anti-Money Laundering (AML) and Economic Sanctions Director
Macquarie Compliance | Macquarie Group

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 & Young’s AML advisory practice by managing projects at large, complex institutions. During his tenure at E&Y, Vasilios advised financial services institutions on a number of program improvement initiatives. He also worked with several institutions that were either undergoing or facing regulatory enforcement actions and advised them on the construction of action plans and communication strategies with regulators, including regular updates on the progress of remediation efforts

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

Chris joined Schwab in March 2010 as the AML/OFAC Officer for Charles Schwab & Co., Inc., and later appointed to the same position for the Charles Schwab Bank. Chris also is the officer responsible for Schwab's Anti-Bribery program. Prior to joining Schwab, he served as N. 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. While at Citi, Chris 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. Chris is a graduate of the University of Colorado and the University of Denver College of Law.

Tara M. Dabek, CAMS
Vice President & BSA Manager
Citizens First National Bank

Tara Dabek is a member of the Risk Management Department of Citizens First National Bank (CFNB), where she serves as VP & BSA Manager and Chair of the Internal Fraud Committee. She joined CFNB in May 2010 and is heavily involved with the daily BSA and fraud related duties. In addition, she performs the ACH audit for the Bank. Prior to joining CFNB, Tara worked 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. Tara resides in Joliet, Illinois with her husband, Andy, and their cat, Diesel. In Tara’s free time, she enjoys movies, reading, target shooting, and vacationing.

Sandra DePaolo
Managing Director, Global Head of Anti-Money Laundering Audit
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.

Jon Elvin, CAMS
Senior Vice President, BSA & AML Officer
PNC Financial Services Group

Jon is the Chief Bank Secrecy Act and Anti-Money Laundering Officer for The PNC Financial Services Group, Inc. In this role, Jon is responsible for the enterprise-wide AML Risk Management function for one of the nation’s largest diversified financial services organizations operating primarily in 16 states and the District of Columbia. Jon is a Certified Fraud Examiner (CFE) and Certified Anti-Money Laundering Specialist (CAMS) and has held a variety of positions within the intelligence community and professional services field including prior roles as a senior manager and co-founder of an AML service solution for an international services and accounting firm. Jon retired in 2007 from the United States Military after honorably serving twenty years in the Army and Army Reserves. His service included seven years active duty and a deployment to Iraq in 2003 where he earned the Bronze Star Medal.

John Epperson, CAMS, CFE
BSA/AML Model Risk Management Solution Leader
Crowe Horwath

John is a Senior Manager with Crowe Horwath LLP’s Risk Consulting practice specializing in AML regulatory compliance. In his current role, John maintains a leadership role for Crowe‘s national AML Audit and Model Risk Management solutions and is responsible for the performance of AML reviews for the firm’s most complex clients. His AML risk consulting services encompass a wide array of diversified financial institutions to include banks, money service businesses, payment providers, trust companies, and brokerage firms. John’s clients range from de novo organizations to financial institutions with over $250 billion in assets all relying on various models and system applications as a cornerstone to their AML program. John is a trusted advisor to Audit Committees and Boards of Directors and he regularly presents on regulatory requirements, trends, and expectations in regards to BSA/AML compliance. John is a Certified Fraud Examiner (CFE) and Certified Anti-Money Laundering Specialist (CAMS).

Kelly Etherington, CRCM, CAMS
Senior Vice President, Assistant Compliance Director
Zions Bancorporation

Kelly has been with Zions Bancorporation for 26 years, beginning his Zions career in Zions Bank Branch Operations in 1986 and worked in branch and administration capacities until 1997. Kelly became the Operations Compliance Officer and BSA Officer in 1997, and transferred to the holding company as the Corporate AML/Operations Compliance Manager in October 2001, and became the Assistant Director of Corporate Compliance in January 2011.

Kelly earned his Associates Degree in Banking and Finance from Utah Valley Community College and later graduated from the University of Phoenix in Business Administration. He attended the ABA National Compliance School in 1997 and the ABA Graduate School of Compliance Risk Management in 2008. Kelly was awarded the designation of Certified Anti-money Laundering Specialist in March 2003 after passing the required exam with the first set of candidates to sit for the exam and became a Certified Regulatory Compliance Manager exam in June of 2004.

In addition to standing as an advisory and coordinating body, Zions’ Corporate Compliance employs over 160 individuals responsible for monitoring compliance processes for eight affiliate banks and various investment and trust businesses in ten Western states.

Michael P. Flowers
Director, Financial Crime Task Force for the City of New York
Office of the Mayor

Tasked by Mayor Bloomberg with supporting the City’s efforts to prevent, detect and respond to financial crime and ensure the security and transparency of our economic infrastructure. To achieve these goals, the Task Force designed, launched and administers the NYC Financial Intelligence Center, a first-of-its-kind initiative to integrate, analyze and disseminate municipal data bearing on financial crime to the City’s local, state and federal law enforcement and regulatory community. The Task Force also represents the City in dealings with our state and federal partners and assists agencies in developing new ways to protect New Yorkers from fraud. Prior to directing the Financial Task Force of the City of New York, Michael was counsel at the US Senate Permanent Subcommittee on Investigations where he led investigations into financial crimes, money laundering, tax evasion, and the efficiency of federal financial regulatory and law enforcement agencies, including securities violations by multinational commercial and investment banks in the packaging, rating and offering of mortgage-backed securities; off-shore tax haven abuses by banks based in Switzerland and Lichtenstein; and money laundering and deceptive financial transactions by North Korea through U.S. financial institutions under cover of UN activity.

Tramond French, CAMS, CRCM, CIPP
Credit Compliance Director
PayPal – BillMeLater.com

Tramond (Trey) is the Director of Compliance for PayPal Credit, based in Timonium, Maryland since November 2010, where he is responsible for compliance risk management including BSA/AML compliance for all credit products and services. Previously, Trey was with Bank of America for 15 years, where he held various positions, including Vice President and Senior Policy Manager, responsible for Regulatory Change Management globally, AML/BSA compliance, serving as BSA officer for the Card businesses, AML/BSA Policy integration globally, and AML/BSA Exam Management. Along with his background in the e-commerce banking business environment he is a certified anti-money laundering specialist (CAMS), certified regulatory compliance manager (CRCM) and certified information privacy professional (CIPP).

Timothy N. Friedman, CAMS
Assistant Director of Compliance/Chief AML Compliance Officer
Scottrade

Timothy serves as the Assistant Director of Compliance and Chief Anti-Money Laundering (AML) Compliance Officer for Scottrade, Inc., a leading online investment firm based in St. Louis. He is also serves as the OFAC Compliance Officer for Scottrade. Timothy has over 22 years experience in the securities industry, with over 10 years experience as an AML Compliance Officer. He has spent the last 4 years at Scottrade, where he is responsible for the development and implementation of Scottrade’s AML policies and initiatives. Before joining Scottrade, Timothy spent time as the AML Compliance Officer for FFP Securities and 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 received a Bachelor’s degree in Economics from the University of Missouri–Columbia.

Chris Galloway, CAMS
Anti-Money Laundering Risk Management Officer
Central 1 Credit Union

Chris Galloway is Anti-Money Laundering Risk Management Officer at Central 1 Credit Union, the central financial facility and trade association for the British Columbia and Ontario credit union systems in Canada. In this role, Chris acts as the primary contact for approximately 200 credit unions in relation to Anti-Money Laundering and Terrorist Financing (‘AML/ATF’) compliance, advising on suspicious activity pertaining to money laundering, policies and procedures, risk assessments and training programs amongst other AML/ATF matters.

Chris began his career within the financial services sector in 1998 in London, UK and since then he has worked for a number of large multinational banking corporations such as the Royal bank of Canada and ABN AMRO Bank NV in various different consultancy roles. These roles have allowed him to work across the globe in places such as the UK, Australia, New Zealand, the Netherlands and the USA prior to settling in Canada.

Chris is happy to have worked in the credit union system since 2007 having previously held the role of Anti-Money Laundering Officer for Credential Financial Inc before moving over to Central 1 Credit Union.

Chris holds an Honours Degree from the University of London (UK), is a designated Anti-Money Laundering Specialist, and a member of the Association of Certified Anti-Money Laundering Specialists.

Kenneth Graff
Police Supervisor
Metropolitan Washington Airport Police

Sergeant Kenny Graff is the supervisor for the Metropolitan Washington Airports Authority Police Department (MWAA-PD) Criminal Investigations Unit. He has over 24 years of law enforcement experience and has specialized in money laundering related investigations since the 1990’s. In 2002 Sgt. Graff became one of the founding members of an innovated SAR Review Team formulated through the US Attorney’s office for the Eastern District of Virginia (EDVA) and Washington Baltimore HIDTA known as the Northern Virginia Financial Initiative (NVFI). Sgt. Graff would go on to supervise that that initiative for several years. Since inception NVFI has been responsible for over 40 money laundering related convictions and the forfeitures of millions of dollars in illicit proceeds. Sgt. Graff has received individual and group awards through the United States Attorney’s Office and others for his work in money laundering investigations and SAR based investigations.

Theodore Greenberg
TG Global

Theodore Greenberg joined the World Bank in 2003 as Senior Counsel in the Legal Vice Presidency and served in Financial Market Integrity (Financial Sector Vice Presidency) where he helped design and implement the Bank’s global technical assistance program to combat money laundering and terrorist financing. Mr. Greenberg helped create and implement the World Bank/UNODC Stolen Asset Recovery (StAR) Initiative to help countries recover the proceeds of corruption. He led the project teams for, and is an author of, Stolen Asset Recovery: A Good Practices Guide For Non-Conviction Based Asset Forfeiture (World Bank, April 2009), and Politically Exposed Persons: Preventive Measures For The Banking Sector (World Bank, April 2010). Mr. Greenberg retired from the World Bank in September 2009 and runs the consulting firm, TG Global. Before joining the Bank Mr. Greenberg served in the U.S. Department of Justice for 30 years in both managerial and prosecutorial positions and specialized in fighting money laundering, white collar crime including (procurement fraud, Foreign Corrupt Practices Act) and transnational organized crime.

Michael Grossman, CAMS
Vice President, Global Anti-Money Laundering Unit
Northern Trust

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.

Richard H. Harvey Jr., Esq., CRCM
Chief Compliance Officer
State Farm Bank

Richard H. Harvey, Jr., is an experienced senior level Compliance leader and a noted expert in developing and implementing risk-based Compliance and Anti-Money Laundering programs for financial institutions. Richard currently serves as the Chief Compliance Officer for State Farm Bank. Prior to joining State Farm he served as a Senior Vice President and Chief Compliance Officer for Rabobank, N.A. Richard is a graduate of the Catholic University of America Columbus School of Law. He served as an enforcement and litigation attorney with the Office of Thrift Supervision (Formerly the Federal Home Loan Bank Board) from 1986 to 1993. Richard joined Chevy Chase Bank in 1995 and served as the Bank’s Chief Compliance Officer and Chief Privacy Officer until 2002. In 2002, he joined E*Trade Bank as Director, Chief Compliance Officer. In 2003, Richard joined Washington Mutual Bank and served as First Vice President, Regulatory Analysis Manager. In 2004, he joined Silicon Valley Bank as a Senior Vice President and Chief Compliance Officer.

During his career, Richard has held key roles in many areas of bank compliance. He has had responsibility for managing his institution’s Bank Secrecy Act (BSA), Privacy, Consumer Compliance, Safety and Soundness and Information Technology examinations. Additionally, Richard is a Certified Regulatory Compliance Manager and currently serves as a Board and faculty member for the American Bankers Association (ABA) School of Compliance Risk Management. Richard has also taught a course on Compliance management at the Stonier School of Banking.

Richard is a former Chair of the ABA’s Compliance Executive Committee and its Compliance Conference Planning Committee. He has also served on the ABA’s Government Relations Council and the ABA’s Privacy Task Force. He is a frequent speaker at conferences and seminars on the topics of Compliance Risk Management, Privacy, BSA and Anti-Money Laundering and fair lending. In 2001, Richard testified on behalf of the ABA before the House of Representatives Banking Committee concerning financial institution’s efforts to combat identity theft.

Richard L. Herrington
Special Agent in Charge, Criminal Intelligence Unit
Washington State Gambling Commission

David 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.

Patrick J. Holden, Examiner
Supervision, Regulation and Credit
The Federal Reserve Bank of Richmond

Patrick is a safety and soundness examiner in the Federal Reserve Bank of Richmond Supervision and Regulation Division. He has broad experience with community and regional banks specializing in internal audit and operational risk. In addition, to his financial institution examination duties, Patrick worked as an analyst on the Treasury Department’s Capital Purchase Program (CPP); has assisted many banks with the design of their internal audit function as part of the Federal Reserve’s outreach efforts; and, has spoken to a variety of financial industry interest groups on the topic of internal audit. Before joining the Federal Reserve Bank, he was a Director within Capital One Corporation’s internal audit group where he managed an operational audit team; he was the Director of Internal Audit for the formerly $4 billion Rochester Community Savings Bank and a Regional Auditor at Charter One Corporation where he oversaw the internal audit activities at 7 community banks in western New York. Holden earned a B.A. in economics from Iona College in New Rochelle, New York and holds the BAI’s Certified Bank Auditor (CBA) certification.

Yvette Hollingsworth
Managing Director, Global Head of Financial Crimes Compliance
Barclays Capital

Yvette Hollingsworth joined Barclays Capital in 2008 as a Managing Director and Financial Crimes Compliance Head. Ms. Hollingsworth, who is based in New York, is responsible for implementing the company's Global Anti-Money Laundering, Sanctions and Anti-Bribery and Corruption policies. Ms. Hollingsworth joined Barclays Capital after a four year career with Citigroup where she was Managing Director and North America Regional Head for Anti-Money Laundering Compliance of the Institutional Clients Group. Prior to this, Ms. Hollingsworth was a Senior Examiner and Portfolio Manager with the Federal Reserve System with responsibility for implementing supervisory strategies for Large Complex Banking Organizations. Ms. Hollingsworth holds a MBA Degree with a concentration in Financial Institutions and Markets from Syracuse University, Whitman School of Management.

Guillermo Horta Montes, CAMS
Managing Director-Global Financial Crimes, Corruption and Economic Sanctions
Bank of America Merill Lynch

Guillermo is the Managing Director of Global Financial Crimes, Corruption and Economic Sanctions of Bank of America Merrill Lynch for the Andean, Central America, Caribbean & Mexico Regions. Before joining Bank of America Merrill Lynch, Guillermo acted as Citigroup’s Managing Director of Anti-Money Laundering for Mexico & Latin America. Guillermo is also the Vice President (former President) of the Anti-Money Laundering & Terrorist Financing Committee of the Latin-American Banks Federation (FELABAN), Head of the AML Committee of the Mexican Banks Association (ABM), member of the AML Committee of the Florida International Bankers Association (FIBA) and Chairman of ACAMS Latin American Task Force. Previously, Guillermo held several positions in Citigroup at the Corporate Legal and Compliance Departments for Mexico & Latin America. Guillermo has a J.D. degree in Law from the Universidad Iberoamericana and postgraduate studies in Criminal Law and Telecommunications Law. Before his career in the financial system, Guillermo worked in different governmental entities involved in topics related to law enforcement and also as an associate in a prestigious international law firm in Mexico.

María de Lourdes Jiménez, Esq.
Senior Vice President & Division Head Manager, Corporate Compliance Division
Popular

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.

Pamela J. Johnson
Managing Director
Global Head AML Compliance and Sanctions
Citigroup

Pamela J. Johnson is the Managing Director and Citi’s Global Head for Anti-Money Laundering (AML) and Sanctions Compliance. Pamela joined Citi in 2004 as the Director of AML Compliance Monitoring & Training. Previously, she was the Director of AML Policy & Regulatory Coordination for Deutsche Bank. Pamela has also held several senior positions in the Federal government. Until 2003, she was the Senior Anti-Money Laundering Coordinator for the Board of Governors of the Federal Reserve System in Washington, DC. In this capacity, her responsibilities included the development of domestic and international AML policy and implementation of the USA PATRIOT Act. At the U.S. Department of the Treasury, Pamela was an Assistant Director and then Counselor to the Director at the Financial Crimes Enforcement Network (FinCEN). She also served as the Bank Secrecy Act (BSA) Compliance Chief for Treasury’s Office of Financial Enforcement. Before her government service, Pamela was an AML compliance officer at another large national bank.

Aaron Karczmer
Principal Compliance Leader
Enterprise Growth
American Express

Aaron received his J.D. from Stanford Law School in 1998. After law school, Aaron worked as an associate for Winthrop, Stimson, Putnam & Roberts before starting a one year clerkship for the Hon. Samuel Conti, U.S. District Court, Northern District of California. Aaron joined the New York County District Attorney's Office in May of 2000. In 2001 Aaron was assigned to the Firearms Trafficking Unit where he was responsible for leading informant and undercover based investigations targeting organizations trafficking in guns and narcotics. He later co-founded and was appointed Unit Chief of the Identity Theft Unit in 2004. As Unit Chief, Aaron supervised prosecutors in the investigation and prosecution of a wide range of cases, including data breaches, counterfeit credit card rings and cyber-crime. In September of 2007, Aaron began working at American Express, creating and leading the Financial Intelligence Unit. The Financial Intelligence Unit has global end-to-end responsibility for the suspicious activity identification, investigation and reporting process. The Financial Intelligence Unit also provides a broad range of operational support for the Enterprise AML department.

Alan T. Ketley
Managing Director, AML Compliance, Treasury and Securities Services
JPMorgan

Alan is a Senior Vice President for AML Compliance at JPMorgan's Treasury and Securities Services (TSS) Line of Business in New York. TSS provides cash management, prepaid card products, trade and securities services primarily to corporations, institutions, banks and sovereign entities globally. Alan has been involved with AML compliance for transaction banking since 2003. Before entering the world of AML Compliance, Alan held positions in cash management sales and correspondent banking relationship management for HSBC Bank USA, Barclays Bank, New York and Lloyds Bank in New York and London. Alan graduated from Reading University (England) with a BA (Hons) in Economics, he is also an Associate of the Chartered Institute of Bankers, London.

Christopher King, CAMS, CFE
Senior Manager
Global Financial Services/Credit Compliance
PayPal – BillMeLater.com

Christopher (Chris) King is a Senior Manager currently working within the Compliance PayPal Global Financial Services/Credit Team, based in Timonium, Maryland since May 2011. Chris is responsible for Credit BSA/AML Compliance Programs, Policies/Procedures and Compliance Training. Previously, Chris held a VP position for five years at JPMorgan Chase’s Financial Intelligence Unit, responsible for managing detailed AML procedures and training for a large team of investigators. Chris frequently interfaced with managers, staff, regulators, and provided education about various compliance systems or programs worked. Mr. King also has 11 years of banking and compliance experience at MBNA/Bank of America where he held multiple positions including: SAR Coordinator for the Card Business, AML/BSA Team Leader as well as Training and Policy/Procedure Manager roles. Along with this background in the banking arena, he is a Certified Anti-Money Laundering Specialist (CAMS), a Certified Fraud Examiner (CFE) and has spoken at external conferences about SAR/AML compliance-related topics. Chris is pursuing a Master of Science degree in Economic Crime Management from Utica College, Utica NY.

George Kunkel, CAMS
Vice President of AML Surveillance
Capital One Bank

George leveraged nineteen years of IT management at PNC and Mellon Bank to transition into his current role as AML Operations manager at Capital One. His role managing customer information and data warehousing systems at PNC evolved to include support for AML systems where he led the effort to select and implement their transaction monitoring and list screening solutions. This experience led to a consulting opportunity where his focus was the implementation and optimization of transaction monitoring solutions. Five years ago he took advantage of an opportunity at Capital One to participate in the build out their AML program as they transitioned from a mono line credit card company to a full service financial institution.

Catherine LaFalce
Director, Barclays Corporate and Investment Bank
Financial Crime Compliance – Americas Region Head and Global AML Policy Head
Barclays Capital

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.

Duncan Levin
Chief, Asset Forfeiture, Assistant District Attorney
New York County District Attorney's Office

Duncan oversees all criminal and civil asset forfeiture on a wide variety of cases, including white-collar fraud, identity theft, organized crime, money laundering, and narcotics cases. Duncan also coordinates with the Suspicious Activity Report Task (SAR) Force, as well as local and federal prosecutors and law enforcement agencies, on the financial recovery aspects of complex financial investigations. Prior to joining the District Attorney’s Office as Chief of the Asset Forfeiture Unit, Duncan served as an Assistant United States Attorney at the United States Attorney’s Office for the Eastern District of New York in the Asset Forfeiture Unit, and he was in private practice. After graduating from Yale Law School, he started his legal career as a line prosecutor at the Manhattan District Attorney’s Office, where he focused on financial crime. Duncan has lectured extensively on money laundering, suspicious activity reporting, AML, and asset forfeiture for the U.S. Department of Justice and the District Attorney’s Office.

Luigi Licari, CAMS
Head of AML Operations
Global Anti-Money Laundering Compliance
TD Bank Group

An AML industry leader with20 years experience in various compliance roles, Luigi is Head of AML Operations for TD Bank Group. In that role, he is responsible for creating a unified transaction monitoring program for the Canadian and US operations. Additionally, he is responsible for executing the enterprise-wide AML risk assessment and testing function. Prior to joining TD, Luigi worked for ABN AMRO Bank where he implemented a global transaction monitoring program for retail, wholesale, investment and private banking operations across 53 countries. Following the take-over of ABN AMRO by a consortium of banks, Luigi oversaw the orderly separation of transaction monitoring activities to each of the acquiring banks.

Dennis M. Lormel
Founder and President
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.

John J. MacKessy
Anti-Money Laundering and Trade Sanctions Officer
MasterCard

John is MasterCard’s Global Anti-Money Laundering (AML) and Trade Sanctions Officer. He is responsible for managing the company’s AML, Trade Sanctions, and Export Control programs. Prior to MasterCard, John was a regulatory consultant and forensic investigator for Promontory Financial Group, FTI Consulting and KPMG and has more than 17 years of regulatory and compliance experience. John’s experiences include assisting firms with complying with regulatory enforcement actions such as cease and desist orders and non-prosecution agreements as well as conducting complex financial fraud investigations including securities fraud, ponzi scheme and money laundering investigations. John holds a B.A. in political science from the University at Albany (SUNY) and an M.B.A. in finance and investments from Baruch College (CUNY). He is a Certified Ant-Money Laundering Specialist and is a member of the Association for Certified Anti-Money Laundering Specialists and the Association of Certified Fraud Examiners.

D. Matthew Mandrell
Chief US AML/BSA Compliance Officer
Legal, Corporate and Compliance Group
BMO Financial Group

Matt received his undergraduate degree in Criminal Justice Sciences (BS) from Illinois State University in 1992 and his J.D. from California Western School of Law in 1996. He is a member of the California and Illinois State Bars.

Matt practiced private criminal defense for 2 years before joining the BMO Harris Bank in 1998. As a member of the Bank’s legal department, Matt provided retail bank support and handled special project work including system conversions, due diligence, contract review (technology, service, etc.), internal policy review and governmental regulatory filings.

Since 2004, Matt has served as the Chief US AML/BSA Compliance Officer. He is responsible for ensuring BMO Financial Groups’ US entities have established appropriate anti-money laundering programs which are designed to comply with all anti-money laundering laws and regulations.

Brian L. Mannion
Managing Counsel
Office of Privacy, Technology and Contract Services
Office of General Counsel
Nationwide Mutual Insurance

Brian is lead counsel with Nationwide Mutual Insurance Company. He has been with Nationwide for ten years and practices in the areas of insurance, securities, privacy, information technology, OFAC and anti-money laundering. For the last eight years he has been the primary lawyer responsible for implementing the Bank Secrecy Act and the Office of Foreign Assets Control (OFAC) for Nationwide, including its broker/dealers, bank, mutual funds, and life insurance companies. Additionally, he has been leading the effort for all Nationwide companies to comply with the FACT Act ID Theft Regulations and utilize Social Networking tools. He has spoken frequently regarding the application of anti-money laundering laws and OFAC to the financial services industry.

Steven Nasalroad, CAMS
Director, Consumer Protection Compliance & Ethics Office – US Agent Field Team
Western Union Financial Services

Steven is Director of the United States Agent Field Team within Western Union’s Global Anti-Money Laundering (AML) Compliance department. His primary responsibility is oversight and direction of compliance related programs for Western Union’s Agents in the United States which includes the largest Western Union Agent networks in North America. He oversees approximately 90 network accounts representing more than 27,000 agent locations, as well as oversight over 30,000 smaller independent Agent locations. With his staff of 28 CAMS certified professionals he helps Agents meet their requirements to comply with all applicable AML laws and regulations as well as strengthening their anti-fraud programs. Previously, Steven was Manager of the department’s Interdiction and Consumer Calling Programs. In that role, he was responsible for managing the daily operations of compliance related issues that involve the customer service areas of the Western Union Money Transfer® service. Steven has expertise in developing AML/BSA program for Money Services Business (MSB) Agents, auditing Agents for BSA compliance, OFAC related issues, Federal and State seizure warrants, Title 31 exam items, consumer fraud and other regulatory matters pertaining to the MSBs.

Prior to joining Western Union in March 2005, Steven worked for nine years in a management role with Janus Mutual Funds dealing primarily with operational compliance issues. While at Janus, he was a member of several ICI industry working groups, which developed and defined new regulations for securities dealers. Steven is a charter member of the Association of Certified Anti-Money Laundering Specialist, and was CAMS certified in 2003. He served as a member of the working group that wrote questions and provided input into the Certified Anti-Money Laundering Specialists (ACAMS) exam. Steven is a frequent industry speaker on the subject of money laundering and fraud. He also has worked with the U.S. Treasury Department in development and interpretation of USA PATRIOT Act regulations for the securities dealers. Steven is a native of Grand Junction, Colorado. He earned his Bachelor’s degree from Mesa State College with a double emphasis in Business and Computer Information Systems. After graduation he moved to Denver where he has now lived for the last 18 years.

Peter Neilson, CAMS
Managing Vice President, Director of AML Compliance
Capital One Bank

Peter Neilson joined Capital One in 2006 and serves as Vice President over Anti-Money Laundering Compliance. In this role, he is 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.

Paul R. Osborne, CPA, CPO, AMLP
Partner
Regulatory Compliance Risk Management
Crowe Horwath

Paul is a Partner with Crowe Horwath LLP responsible for directing the development and support of Crowe’s national regulatory advisory services, focusing on various consumer compliance requirements. This includes Compliance regulations and their respective requirements, Fair Lending evaluations, BSA/AML and terrorist financing risk assessments, Compliance and BSA/AML independent audits, trust department operational and administrative reviews, and Compliance, BSA/AML and trust training. The Regulatory Compliance practice of Crowe has assisted many clients with developing functional and effective Compliance and BSA/AML management programs, and consulted with banks under regulatory orders in addressing memorandums of understanding or cease and desist requirements. Crowe currently provides compliance, BSA/AML and trust services to over 400 financial institution clients nationwide.

Paul has over twenty-five years of experience in the banking industry. Prior to joining Crowe in 1994, Paul was with a $30B multi-state bank holding company as a regional compliance director where his responsibilities included the management of compliance, fair lending, BSA/AML, community reinvestment, real estate appraisal, and environmental liability for the holding company’s affiliates in Florida, Illinois, Indiana, and Michigan. Paul has also been involved in many Compliance and BSA/AML risk assessment projects, transaction lookback investigations and BSA audits for three of the nation’s largest financial institutions and the world’s third largest money service business.

Paul was also a member of the Crowe team assisting Riggs Bank with addressing Department of Justice enforcement initiatives and developing a modified BSA program to help complete the sale to PNC. Some of Paul’s former and current clients include: Bank of America, Bank of the West, Capital 1, Key Bank, BB&T, Comerica, BankAtlantic, National City, and First National of Nebraska, Inc.

Jack Oskvarek, CAMS, AMLP
Vice President, BSA/AML/OFAC 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.  

Jack earned a bachelor’s degree in business with a finance concentration from De Paul University.  He is a Certified Anti-Money Laundering Specialist (CAMS designation from the Association of Certified Anti-Money Laundering Specialists) and is a certified Anti-Money Laundering Professional (AMLP designation from BAI).

His professional experience also includes founding the ACAMS Chicago Chapter, which under his leadership received the 2011 worldwide Chapter of the Year Award, and continues to serve as Chairman.  Jack also serves on various ACAMS committees and participated on panels such as the ABA AML National Conference in Washington D.C.  Outside his professional life, Jack is an avid tennis player and a dedicated Cubs fan.

Tom Ostrishko, CAMS, CIPP/US
Director of Security/BSA Officer
Malvern Federal Savings Bank

Tom Ostrishko is the BSA Officer at Malvern Federal Savings Bank in Paoli, PA. Tom started with MFSB in March of 2009 and is responsible for BSA Compliance, Physical Security, Training, Privacy, Information Security, and Vendor Management. Previously, Tom held a VP position with Bank of America’s Global AML OFAC Team where he was responsible for managing day to day OFAC screening processes enterprise wide. Tom held various positions during his 7 years of banking at MBNA/Bank of America that included Retail and Business Card Fraud, AML/BSA Compliance Team, AML Senior Investigator, SAR Coordinator for Card Services, and AML/BSA Training. In addition to his banking background, Tom retired as a Lieutenant after 21 years with the Wilmington Delaware Police Department and was the Director of Operations for Wilmington’s Downtown Business Improvement District. Tom is a Certified Anti-Money Laundering Specialist (CAMS), and a Certified Information Privacy Professional (CIPP).

Raul Perez
Sergeant, Narcotics Bureau
Asset Forfeiture Unit
Los Angeles County Sheriff’s Department

Raul has over 30 years of Law Enforcement experience with the Los Angeles County Sheriff’s Department. Supervisor of a narcotics enforcement team for 11 years; 6 years as a supervisor for the Asset Forfeiture Unit which has an active role in financial investigations and interaction with financial institutions. Partnership with the Los Angeles HIFCA and IRS –CI Task Force which focuses on Anti-Money Laundering Investigations.

Karim Rajwani, CAMS
Vice-President and Chief Anti-Money Laundering Officer
RBC Financial Group (RBC)

Karim is currently the Vice-President and Chief Anti-Money Laundering for the RBC Financial Group (RBC) and is responsible for leading RBC's Anti-Money Laundering, Anti-Terrorism and client risk management initiatives globally. Karim has more than 20 years of risk management, compliance and financial accounting experience. He is a leading authority on anti-money laundering and counter-terrorist financing matters both domestically and internationally and speaks frequently on these matters in banking, legal, compliance and academic platforms. As Chief Anti-Money Laundering Officer, Karim has overseen the development and implementation of RBC’s AML/CTF program from its inception. Over the past 11 years under his direction, RBC has developed and implemented numerous AML/CTF solutions globally.

Derek Ramm
Director, Anti-Money Laundering Programs
Legal, Regulatory & Compliance
Ontario Lottery and Gaming Corporation

Prior to joining the Ontario Lottery and Gaming Corporation in September 2011, Derek spent over seven years as a federal officer with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), the Canadian government’s financial intelligence unit. His primary responsibilities at FINTRAC included oversight of Canadian casinos’ compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and liaising with domestic and international law enforcement and regulatory agencies. Derek frequently gives seminars on the fight against money laundering and terrorist financing, including presentations to the Ontario Police College, U.S. Department of Homeland Security, Senate Banking Committee and other public and private sector organizations.

Francisco Rapp
Chief Sanctions Officer Managing Director, Global Sanctions Compliance
Citigroup

Francisco is Citi’s Chief Sanctions Officer and a Managing Director within Citi’s Global AML & Sanctions Compliance organization. Francisco heads the global sanctions compliance program, managing a global team that address sanctions risk for all Citi businesses. In this role he is Citi’s primary liaison with the U.S. Department of the Treasury’s Office of Foreign Assets Control. His responsibilities include defining a uniform enterprise-wide economic sanctions risk management framework, establishing governance and oversight mechanisms over key sanctions processes, and providing advice on local sanctions compliance and regulatory issues in 100+ countries in which the firm operates. Francisco, working with Citi Legal, is responsible for Citi’s Sanctions Screening Policy. Francisco has been with Citi for over 14 years, serving in various Audit, Risk Management and Compliance roles at country, regional and corporate levels.

Anna 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, Anna spent 7 years as a National Bank Examiner with the Officer of the Comptroller of the Currency.

Anna is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM) with the Institute of Certified Bankers and has the Anti-Money Laundering Professional (AMLP) designation with BAI. She is active with the American Bankers Association serving on the ABA ABA ABA/ABA Money Laundering Enforcement Conference Advisory Committee, the Chairman’s Committee for BSA Reform, past co-chair and member of the ABA Regulatory Compliance Conference Committee, past chair and member of the ABA Compliance Executive Committee, and the Board of the ABA Bank Compliance Magazine. Anna served a three year appointment on the Federal Reserve Consumer Advisory Council. Anna has served as an instructor for the ABA National Compliance School, speaker for ABA Telephone Briefings on Regulation O, Appraisals, and Currency Transaction Reporting, roundtable speaker for Associated Risk Group and is an instructor for the Missouri Bankers Association Compliance workshops. Anna was the 2008 recipient of the Distinguished Service Award presented annually by the American Bankers Association.

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

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.

Edward Rodriguez, CFS, CAMS, EA
Principal
EORS Consulting

Edward Rodriguez is the founder and Principal of EORS Consulting LLC. He has more than 26 years experience have conducted, managed and directed complex forensic financial investigations including asset forfeiture, SAR Review teams, international tax, money laundering, Bank Secrecy Act, terrorism financing, financial frauds and corruption. Prior to forming EORS, Ed was the Manager in the Forensics practice at Watkins Meegan LLC where he worked on civil and criminal tax matters, as well as fraud and misconduct investigations. He is a Certified Anti-Money Laundering Specialist (CAMS), a Certified Fraud Specialist (CFS), a Certified Financial Crimes Investigator (CFCI) and an Enrolled Agent (EA). He is a subject matter expert in the requirements and penalties regarding the Bank Secrecy Act (BSA), Know Your Customer (KYC) and Customer Due Diligence (CDD). He is a Licensed Private Investigator in the State of Maryland (PI).

Linda Roybal, CAMS
Executive Director, Legal and Compliance
JPMorgan Chase

John Sabatini, CAMS
Managing Director & Global Director, Technology Audit
Goldman Sachs

John focuses on the continued development of Internal Audit’s business model and works closely with the global Audit directors to advance and integrate technology audit strategy. He is a member of the Internal Audit Global Operating Committee.

John joined Goldman Sachs in 2010 as a managing director in the Legal and Internal Audit in New York. Prior to joining the firm, John was a partner/principal at Ernst & Young where he led the Compliance Technology Enablement Group for the New York Financial Services Office. In this role, John was responsible for developing service offerings and managing client engagements in the areas of Anti-Money Laundering (AML), trade compliance, trade surveillance, regulatory reporting, tax compliance and electronic messaging surveillance. John also worked as the engagement partner for several large regulatory projects where his team identified surveillance gaps and designed/ implemented systems to remediate these issues – resulting in the lifting of enforcement actions by the regulators.

Markus E. Schulz
Chief Compliance Officer Global Life & Banking
Zurich Insurance Company

Markus is the chief compliance officer for Global Life and Banking and global head of financial crime for Zurich Insurance. Markus joined Zurich in January 2008 after 13 years at ABN AMRO Bank, where he held various senior global compliance positions, including global head of the Compliance Service Center and COO of AML Compliance. Prior to his time in compliance, Markus served for almost a decade in a variety of senior in-country, regional and global management positions in Germany, UK and the Netherlands.

Elizabeth A. Slim, CAMS
Vice President, BSA Risk Manager
City National Bank

Elizabeth Slim is the Vice President and BSA Risk Manager for City National Bank, headquartered in downtown Los Angeles. Elizabeth is the Founder and Co-Chair of the ACAMS Southern California Chapter established October 2009. She is a Certified Anti-Money Laundering Specialist (CAMS) since 2004 and a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) since 2003. Slim has been in the banking industry for over 30 years specializing in areas of Compliance, Operations, Fraud, Security, Training and Risk Management with financial institutions such as Bank of America, First Interstate Bank of California, Home Savings of America, Sanwa Bank, Community Bank and Grandpoint Bank.

Richard A. Small, CAMS
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.

Daniel D. Soto, CAMS
Chief Compliance Officer
Ally Financial Services

Dan is responsible for Ally’s enterprise-wide compliance activities. Before joining Ally, Dan spent two years with Wachovia/Wells Fargo in anti-money laundering and retail banking compliance, three years as the chief compliance officer for Royal Bank of Canada–Centura, and spent eight years with Bank of America in the global anti-money laundering compliance function.

Prior to joining the private industry, Dan was in the public sector as a commissioned bank examiner where he spent six years with the FDIC and nearly 10 years with the Federal Reserve Board.

Clayton Stevenson
Senior AML Risk Executive
Global Economic Sanctions
Bank of America

Clayton is the Senior AML Risk Executive for Bank of America, responsible for the company’s overall economic sanctions and anti-boycott compliance efforts. Before commencing this role in March, 2009, he had responsibility for the economic sanctions compliance program at Merrill Lynch. Prior to joining Merrill Lynch in May 2007, Clayton served for more than eight years with the U.S. Department of Treasury’s Office of Foreign Assets Control (OFAC), working first in the Compliance Division and later the Designation Investigations Division. Among his roles while at OFAC, Clayton served as the first Chief of the Counter proliferation Section within the Designation investigations Division where he led a team of sanctions investigators charged with targeting the assets of weapons of mass destruction proliferators and their support networks, particularly those involved with the weapons programs of North Korea and Iran. Clayton received his bachelor’s in International Affairs from the George Washington University and his master’s from the John Hopkins University’s School of Advanced International Studies.

Sandra Stolt
Chief, Bank Secrecy Act Policy
Internal Revenue Service (IRS)

Sandra Stolt is the IRS Small Business/Self-Employed (SB/SE) Bank Secrecy Act (BSA) Policy Manager. In this position, she provides BSA Program oversight and is an advisor to the Director, Fraud/BSA for BSA policies and interpretation of federal laws and regulations. Sandra develops and Implements Service-wide polices and strategies addressing money laundering, establishes appropriate goals and guidelines, and analyzes program progress against operational plans.

Sandra has been with the Internal Revenue Service for 35 years. In October 2004, she assumed her current position as SB/SE BSA Policy Manager. Sandra is a graduate of the University of Maine and is a Certified Public Accountant (CPA).

Kevin Sullivan, MS, MMBA, CAMS
President
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.

Daniel Tannebaum
Head of Compliance – Americas, Travelex
Travelex Currency Services

Dan is the Head of Compliance – Americas for Travelex. In this capacity he also serves as Chief Compliance Officer of the U.S. corporate entity, Travelex Currency Services, Inc. Dan directs a staff of over 30 Compliance professionals in the U.S., Canada and Brazil. He is responsible for all Compliance-related activities in over 350 Retail locations in the Americas and 1,000 Partners selling Travelex products and services. He also has oversight over Travelex Insurance Services, Travelex’s travel insurance division.

Prior to joining Travelex, Dan was the OFAC Compliance Coordinator for the Federal Reserve Bank of New York. Dan previously was a Senior Consultant at Protiviti Inc., serving in the Regulatory Risk Practice. He managed the OFAC sub-practice as Protiviti’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. He has advised clients on the selection and implementation of transaction monitoring systems and developed and delivered targeted OFAC and AML training.

Prior to joining Protiviti, Dan served as a Compliance Officer with OFAC, US Department of the Treasury. He has spoken to various governmental and industry specific groups and 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. Tappeiner, CAMS
Program Director, Enterprise-Wide AML Risk Assessment
TD Bank Group

Specializing in AML compliance in a global context, Max R. Tappeiner brings over 10 years experience in domestic and international institutions. 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, Tappeiner 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 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.

John F. Tobon
Chief-Illicit Finance and Proceeds of Crime Unit
Homeland Security Investigations
U.S. Immigration and Customs Enforcement (ICE)

Gene Truono
Vice President, Global Anti-Money Laundering/Anti-Corruption and Vendor Management Compliance
Paypal

Gene has 20 years of experience in the AML and compliance area. Most recently, he was a director in the dispute and investigations practice of Navigant Consulting, Inc., where he advised major financial institutions. Prior to that, Gene was vice president of compliance and ethics, and chief compliance officer at American Express Bank International, where he successfully led very substantial and complex AML remediations driven by the Federal Reserve and other regulators.

Prior to that role, Gene served as vice president of compliance and ethics for JPMorgan Chase, where he was responsible for the development, oversight and management of the global treasury service department’s regulatory compliance program, AML program, and supervision of all regulatory examinations. Gene has also served as the head of compliance for Chase Card Services for Chase USA N.A., where he was responsible for overall compliance related to credit card, residential mortgage, student loan and auto loan portfolios.

Susan Tuccillo, CAMS
Senior Vice President, Head of Compliance
Nordea Bank Finland

Susan Tuccillo is currently Head of Compliance for Nordea Bank Finland Plc, New York Branch. She has the responsibility for leading the management of compliance and associated risk within the Branch. Prior to joining Nordea, Ms. Tuccillo served as the Global Consumer and Small Business Compliance Manager, Global AML Bank of America, Director, Anti-Money Laundering, Merrill Lynch Banks of America. Ms. Tuccillo served as Senior Vice President and Senior Compliance Manager for Citigroup’s Global Anti-Money Laundering Group. During her tenure in Global AML, Ms. Tuccillo developed policy and supervised the implementation of Customer Identification Programs in more than 125 diverse business units and 75 countries.

Gonzalo Vila, CAMS
Director of Latin America Operations
Association of Certified Anti-Money Laundering Specialists

Gonzalo is the Director of Operations for Latin America at the Association of Certified Anti-Money Laundering Specialists (ACAMS) where for the past 5 year he has led the developments of the association in the region, promoting a wide array of initiatives, from training to certification of AML professionals. Previously, he was the Editorial Director for Alerta de Lavado de Dinero and Lavadodinero.com, publications specialized in Money Laundering and Terrorist Financing. He worked for more than 7 years for The Wall Street Journal, first for the Latin American print edition and then as a managing editor for the Internet edition in Spanish. Gonzalo has a vast experience in investigative journalism. He has participated as an international speaker in AML/CTF issues at several conferences throughout Latin America and has organized dozen of conferences, seminars and other events for Alert Global Media and ACAMS.

William Voorhees, CAMS, C.F.E, MFA
Director, Financial Intelligence Unit
SVB Financial Group

Will 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.

Peter Warrack, CAMS
Head of Investigations, AML, FIU
Royal Bank of Canada

Peter leads a highly trained team, multi cultural team of 70 investigators drawn from banking, regulators and law enforcement. Peter has transitioned the investigations team from a rules-based / approach to a risk-based (end to end) methodology in which, investigators work closely with Insight and Analytics to investigate, make a decision and action the decision accordingly, e.g. file a SAR or close an incident. Prior to joining RBC in 2002, Peter served as a Senior Officer and detective with the police in Northern Ireland during the height of the ‘Troubles’. He previously served in the British Army in an intelligence capacity. Peter has a Masters Degree in Organization and Management. He has published and presented on the subjects of AML / fraud investigation and risk mitigation. He also teaches on these subjects at Seneca College. Known as ‘a practical academic’, Peter strives for consistency of approach the professions, common standards and shared best practices.

Evan Weitz
Assistant United States Attorney
US Attorney's Office, District of New Jersey

Evan currently serves an Assistant United States Attorney in New Jersey where he specializes in complex Money Laundering, Bank Secrecy Act, and Asset Forfeiture prosecutions. Previously, Evan served as an Assistant United States Attorney in both New York City and Atlanta, Georgia. Prior to joining the Department of Justice, Evan spent several years as an Assistant District Attorney in the Manhattan District Attorney’s Office where he was assigned to the Trial Division. Evan has been a frequent lecturer on Money Laundering, Bank Secrecy Act and Asset Forfeiture matters and has given presentations in the past at the Federal Reserve Bank, the Federal Depository Insurance Corporation (FDIC), the Association of Certified Anti-Money Laundering Specialists (ACAMS), the National Advocacy Center and at numerous state/local law enforcement functions. Evan also serves on the faculty of the Emory University School of Law Trial Techniques program. Evan is a graduate of both the Emory University School of Law and Rutgers College.

Scott Willis
Director, BSA Risk Assessment
Internal Audit
Citigroup

Scott has over 20 years of experience in the banking and financial services industry. He joined Citi in 2010 and is responsible for ensuring AML audit scope, frequency, and coverage align with emerging industry, regulatory and strategic issues. He also directly leads analysis of control deficiencies and complex audits of higher risk AML customers/products and enterprise wide targeted reviews. Scott is also responsible for the development and delivery of the Global AML training program for Internal Audit. He also provides advisory services to lead auditors and compliance teams on complex AML matters and has interaction with regulatory authorities. Prior to joining Citi Scott was a member of the Wells Fargo (Legacy Wachovia) BSA Governance Group for 5 years where he collaborated with Group Risk Officers and compliance team members to develop and maintain enterprise level AML policies. Prior to this, he worked as an OCC examiner for 12 years leading examination teams and conducting evaluations of safety and soundness and the adequacy of compliance programs. Prior to joining the OCC he held various positions in a community bank. Scott is a Certified Anti-Money Laundering Specialist, Certified Fraud Examiner and Commissioned National Bank Examiner and has served as a member of the FinCEN Bank Secrecy Act Advisory Group.

Suzanne Williams
Manager, BSA/AML Compliance Section
Board of Governors of the Federal Reserve System

Suzanne is the manager of the Compliance Section of the Division of Banking Supervision and Regulation at the Board of Governors of the Federal Reserve System. In this position, she works with Reserve Bank and Board staff in designing and implementing supervisory strategies to address significant Bank Secrecy Act, anti-money laundering and Office of Foreign Assets Control issues, including related enforcement actions. Suzanne develops policy interpretations and guidance for financial institutions and examination staff, represents the Federal Reserve on several interagency task forces, and conducts frequent industry outreach on compliance matters. She subsequently served as a senior financial analyst at the FDIC and a senior Regulatory Compliance Program specialist at the Department of the Treasury's Financial Crimes Enforcement Network.

Robert L. Williams III, CAMS
Vice President OFAC/BSA/AML Compliance Officer BNP
Paribas

Robert has over 10 years experience in the AML/BSA and OFAC Compliance arena with his most recent focus as the OFAC Compliance officer at BNP Paribas where he is currently employed. Prior to his employment at BNPP, Robert was at Credit Lyonnais, later Calyon, then Credit Agricole as a Senior Associate AVP in the AML Compliance field working on Correspondent Banking and Capital Markets KYC/AML/CIP Compliance issues. While at Credit Lyonnais Robert also assisted on OFAC sanctions Compliance, and wrote researched and filed Suspicious Activity Reports.

Elaine R. Yancey
Supervisory Examiner
Federal Reserve Bank of Richmond

Elaine started her career at the Federal Reserve Bank of Richmond as a consumer affairs examiner dealing with consumer protection laws and regulations. Elaine is currently a supervisory examiner in the safety and soundness division of Banking Supervision and Regulation of the Federal Reserve, with responsibility for the Legal and Fiduciary Risk unit. She works with Bank Secrecy Act/Anti-Money Laundering (BSA/AML) legislation, bank fraud, and fiduciary/trust issues. She is the advisor to the BSA Coalition, a group of financial institution and banking agency regulatory representatives who discuss, debate, and try to resolve BSA/AML issues.

Elaine is a graduate of Furman University (Bachelor of Arts) and the Graduate School of Banking at Louisiana State University. In 2005, she obtained her MBA from Virginia Commonwealth University.

Joseph A. Yuhasz
Supervisory Special Agent (SSA)
National Cyber-Forensics & Training Alliance (NCFTA)

Prior to entering the FBI in 1999, SSA Yuhasz worked as a Systems Engineer for Westinghouse. In 1999 SSA Yuhasz joined the FBI and was assigned to work Cyber matters in Norfolk, VA as the first ever Cyber agent. As an agent, SSA Yuhasz had one of the first Cyber conviction in the Eastern District of Virginia and the first successful Phishing conviction in the U.S. In 2006, SSA Yuhasz transferred to the HQ unit in Pittsburgh, PA known as CIRFU to work along with the NCFTA.

Paulina M. Zurowska, CAMS
Assistant Quality Assurance Officer
BMO Financial Group

Paulina M. Zurowska retains an extensive background in Anti-Money Laundering and has been in the banking industry for over ten years. Her current role is with BMO Harris N.A. as the Asst. Quality Assurance Anti-Money Laundering Officer. Her role consists of supporting the AML QA program at BMO Harris N.A., as well as conducting QA reviews, various testing, and AML governance and oversight reporting.

Paulina’s previous experience provided her an edge and paved a way for her current role. Prior to joining BMO Harris N.A., she was the BSA Department Team Lead at Park National Bank (U.S. Bank), where her primary role consisted of QA and oversight of daily department functions. While there, Paulina advanced from her starting role as a BSA Analyst (which focused on suspicious activity monitoring and investigations) providing her with a unique and detail focused investigative approach. Prior to joining Park National in September 2007, Paulina was employed by MidAmerica Bank (PNC) from 2002 and served an array of retail positions. In 2006, Paulina moved from retail banking to Loss Prevention as an analyst and finally began her career in Anti-Money Laundering in 2007.