ACAMS 12th Annual AML & Financial Crime Conference
This event qualifies for 16 CAMS
Sunday, September 22, 2013 - Pre-Conference Training
8:00 AM – 9:00 AM
Registration for CAMS Examination Preparation Seminar and Workshop A (Separate registration required for both)
9:00 AM – 4:30 PM
CAMS Examination Preparation Seminar
The Certified Anti-Money Laundering Specialist (CAMS) examination rigorously tests for aptitude and expertise in anti-money laundering detection, prevention and enforcement. The CAMS Examination Preparation Seminar empowers you take CAMS Exam in confidence by strengthening your core capacity for detecting and combating money laundering.
Separate registration required. Contact ACAMS Member Services to register for this full-day preparation course at +1 305.373.0020 orinfo@acams.org.
9:00 AM – 12:00 PM
Workshop A
Developing a Fully Integrated Customer Monitoring Program
During this interactive workshop, let seasoned practitioners teach you how to integrate current and future trends in the financial crime prevention community, from understanding the vast array of predicate offenses to spotting emerging transaction patterns for moving illicit funds, as well as other key considerations in fortifying your monitoring systems. Participants are also taught techniques to enhance monitoring practices by incorporating client risk rating, due diligence controls, and “smart” solutions that learn from alerts closed with no action, and alerts that become SARs or crime reports. Walk away with the latest intelligence to help you integrate new transaction monitoring processes and develop a robust regime of total customer monitoring that addresses accounts, products and borders. (Separate registration required.)
You will learn to:
- Overcome privacy challenges in centralized customer monitoring
- Move from siloed functions to overall financial crime management
- Effectively manage large amounts of data
- Identify opportunities for robust crime prevention through better understanding of transaction patterns
Who should attend:
This is an essential workshop for managers responsible for designing and executing their institution’s financial crime strategy and those tasked with developing and maintaining customer and transaction monitoring systems.
12:30 PM – 1:30 PM
Registration for Workshop B (Separate registration required)
1:30 PM – 4:30 PM
Workshop B
Achieving a Detailed Enterprise-Wide Risk Assessment Process
Determining the level of risk exposure within your institution, whether large or small, is key in mitigating vulnerabilities and avoiding costly penalties and reputational damage. This three-hour hands-on workshop walks you through the process of developing, implementing and testing a risk assessment model that is tailored specifically to your organization’s unique business model. Interactive exercises, detailed case studies and in-depth Q&A provide a practical toolbox to give you a head start on improving your own processes as soon as you’re back in the office.(Separate registration required.)
You will learn to:
- Develop and implement a robust risk assessment model
- Test and validate your model’s inputs and reports
- Prepare for regulatory review of your risk assessment practices
- Utilize lessons learned from recent enforcement actions to optimize your risk-rating controls
Who should attend:
This workshop is designed for compliance officers tasked with creating or managing the risk assessment process from small and large institutions with domestic and international branches. It is a must-attend for professionals from financial and non-depository institutions alike.
1:30PM – 6:00PM
Main Conference Pre-Registration Open
Registration courtesy of Safe Banking Systems. Lanyard courtesy of Wolters Kluwer. Conference Bag courtesy of GlobalVision Systems.
5:00 PM - 5:30 PM
ACAMS Member Update
5:30 PM - 6:00 PM
ACAMS First Time Attendee Orientation
Monday, September 23, 2013 - Main Conference Day One
8:00 AM - 6:25 PM
Registration Desk Open
8:00 AM - 7:30 PM
Exhibit Hall Open
8:00 AM – 9:00 AM
Networking Breakfast in Exhibit Hall
9:00 AM - 9:15 AM
Welcome Remarks
9:15 AM - 9:45 AM
Keynote Address
Jane Rhodes-Wolfe, Section Chief, Terrorism Financing Operations Section (TFOS), FBI
9:45 AM - 11:00 AM
Plenary Session
Law Enforcement Update: Forecasting Financial Crime Trends and Bolstering Collaboration
- Dissecting recent cases and their impact on financial institutions
- Enhancing cooperation between the public and private sectors to uncover emerging financial crime trends
- Understanding the latest government initiatives to combat illicit activities impacting the financial sector
- Connecting the dots: working closely with law enforcement before, during and after the filing of suspicious activity reports
11:00 AM - 11:30 AM
Networking and Refreshment Break in Exhibit Hall
11:30 AM - 12:45 PM
Plenary Session
Real-Life Case Exposé: Lessons Learned from an Online Gambling and Bank Prosecution
- Examining the true story of an AML compliance officer's role in uncovering illegal internet gambling and money laundering operations
- Overview of the latest law enforcement investigation findings
- Recounting the consequences of the prosecution for the bank and top executives
- Identifying similar scenarios within your institution and providing guidance on changing your policies and procedures a avoid these activities
12:45 PM - 2:00 PM
Networking Luncheon
2:00 PM - 3:15 PM
Concurrent Sessions
Revamping Internal Practices to Assess and Mitigate Sanctions Risk
- Reviewing the latest OFAC guidance and related typologies to identify program priorities
- Weighing screening versus monitoring, deciding when and how to stop real-time payments for investigation vs. applying AML surveillance techniques after payments have gone through
- Leveraging customer due diligence intelligence to mitigate sanctions risk
- Providing auditable documentation for customer screening that meets regulatory expectations
AML Think Tank
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
3:15 PM - 3:45 PM
Networking and Refreshment Break in Exhibit Hall
3:45 PM - 5:00 PM
Concurrent Sessions
Meeting Eventual Customer Due Diligence (CDD) and Beneficial Ownership Requirements
- Preparing to address regulatory mandates for changes to customer due diligence practices
- Meeting heightened regulatory expectations on scrutiny of beneficial owners and information verification processes
- Assessing the ability of your existing resources to meet the requirements of the impending regulation
- Implementing training and guidance to ensure staff adhere to new practices and expectations
AML Think Tank
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
5:00 PM - 5:10 PM
Move to next session
5:10 PM - 6:25 PM
Concurrent Sessions
Your Hot Topic
Back by popular demand, be in the room as a panel of financial crime prevention veterans tackles common concerns around the latest AML challenges and strategies, recent enforcement actions and shifting regulatory expectations. Specific topics for this session are developed by your input provided just two weeks prior to the conference to ensure you walk away with the most timely and relevant information.
AML Think Tank
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
6:25 PM - 7:30 PM
Networking Reception in Exhibit Hall
Tuesday, September 24, 2013 - Main Conference Day Two
8:00 AM - 5:55 PM
Registration Desk and Exhibit Hall Open
8:00 AM – 9:00 AM
Networking Breakfast in Exhibit Hall
8:00 AM – 9:00 AM
AML Knowledge Breakfast courtesy of Safe Banking Systems
Capacity is limited. RSVP to Carol Stabile to confirm your space: carol.stabile@safe-banking.com
9:00 AM – 9:15 AM
Day Two Opening Remarks
ACAMS Awards Ceremony
9:15 AM - 10:30 AM
Plenary Session
Reinforcing Regulatory Priorities for the Coming Year
- Identifying key examination trends for 2013 and looking forward to 2014
- Assessing the impact of recently enacted regulations in the financial sector
- Understanding examiners’ expectations in the areas of risk assessment and internal controls
- Reviewing the impact of recent enforcement on financial institutions
10:30 AM - 11:00 AM
Networking and Refreshment Break in Exhibit Hall
11:00 AM - 12:15 PM
Concurrent Sessions
Human Trafficking in 2013: An Update on the Work of the Private and Public Sectors
- Recognizing the success of partnerships between financial institutions and the government in addressing the horrific crime
- Identifying red flags that indicate transactions related to human trafficking
- Addressing local and federal approaches to tackling this global problem
- Improving your approach to documenting and reporting suspicious activities to law enforcement
AML Think Tank
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
12:15 PM - 1:30 PM
Networking Luncheon
1:30 PM - 2:45 PM
Concurrent Sessions
Utilizing Financial Intelligence to Detect Terrorist Financing
- Learning emerging trends in terrorist financing
- Understanding the nexus between terrorist groups and transnational criminal organizations
- Analyzing data to identify terrorist financing operations within the U.S. financial system
- Leveraging innovative data tools and methods used by the FBI to spot terrorist financing
AML Think Tank
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
2:45 PM - 3:15 PM
Networking and Refreshment Break in Exhibit Hall
3:15 PM - 4:30 PM
Concurrent Sessions
Addressing Key Areas of Concern for Financial Institutions
- Understanding FinCEN’s latest guidance on virtual currency
- Assessing the impact of the Mexican currency regulation on US financial institutions
- Outlining Southwest border financial crime challenges and fortifying controls
- Evaluating financial institutions’ status regarding the CTR and SAR form change
AML Think Tank
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
While at the conference, you have the opportunity to present topic ideas for in-depth discussion. Submit your topic on the schedule posted outside the meeting room and gather with colleague interested in the same subject matter
4:30 PM - 4:40 PM
Move to next session
4:40 PM - 5:55 PM
Plenary Session
Evolving the Risk-Based Approach to Manage Today’s Vulnerabilities and Regulatory Expectations
- Understanding the evolution of the risk-based approach to address current vulnerabilities
- Debating whether the risk-based approach is effectively applied and its implementation challenges
- Adopting a suitable risk-based approach depending on the size of the institution and sector
- Evaluating the effectiveness of the risk-based approach as recommended by the FATF
5:55 PM - 7:00 PM
Networking Reception
Wednesday, September 25, 2013 - Main Conference Day Three
8:00 AM – 1:00 PM
Registration Desk Open
8:00 AM – 11:00 AM
Exhibit Hall Open
8:00 AM – 9:00 AM
Networking Breakfast in Exhibit Hall
8:00 AM – 9:00 AM
AML Knowledge Breakfast
Capacity is limited. RSVP to Justin Huntsman to confirm your space: justin.huntsman@sas.com
8:00 AM - 9:00 AM
AML Knowledge Breakfast
Modernizing Anti-Money Laundering (AML) Practices
Before congress passed the Bank Secrecy Act (BSA) in 1970, banks were not required to record or report currency transactions. Today, financial institutions of all types face increasingly complex requirements to monitor, investigate, and report all transactions of a suspicious nature. Since 2000, nearly two-dozen new acts and provisions have been amended to the BSA, and government supervisors are insistent that institutions provide evidence of well-developed AML programs. Moreover, the high transaction rates and volumes from online and mobile banking services are producing big-data hiding places for criminals and compounding the challenges AML professionals face.
Join SAS to learn how leading institutions are addressing these challenges and more by deploying tailored AML solutions that:
- easily adapt as regulatory needs change and/or new threats emerge;
- prioritize alerts based on risk scores that incorporate KYC data, transactions, historical behavior and expected activity across all accounts;
- get you up and running on time and on budget, with a monitoring methodology reviewed and favorably received by multiple regulatory agencies.
9:00 AM – 9:15 AM
Day Three Opening Remarks
ACAMS and Dow Jones Joint Survey
9:15 AM - 10:30 AM
Plenary Session
Uncovering Valuable Lessons from Common Enforcement Action Themes
- Understanding the impact of recent penalties on your current compliance practices
- Strengthening internal controls to avoid reputational damages
- Aligning your compliance priorities to match regulatory expectations
11:00 AM – 12:00 PM
Plenary Session
Financial Crime Risk Analytics: The Future
Analytics, utilized in a number of risk disciplines such as credit risk for some considerable time, have arrived in the financial crime risk discipline. Leading financial institutions have been investing in this capability to assess and validate the effectiveness of their operational processes and to identify key risks and trends. In this presentation, industry experts will debate the benefits and challenges in applying an evidence-backed, risk-based and analytics led approach to financial crime risk management.
12:00 PM - 12:45 PM
Keynote Address and Q&A
Michael Hudson, Senior Editor, The International Consortium of Investigative Journalists
Q&A with:
Kieran Beer, Editor-in-Chief,ACAMS moneylaundering.com
John J. Byrne, Esq., CAMS, Executive Vice President,ACAMS
12:45 PM - 1:00 PM
Closing Remarks
Speaker and Presenter Information
Keynote Address Day One Jane Rhodes-Wolf 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. Keynote Address Day Two Michael Hudson Senior Editor The International Consortium of Investigative Journalists Michael Hudson, USA, is a senior editor at ICIJ. His two decades of work on mortgage and banking fraud has prompted media critics to call him the reporter "who beat the world on subprime abuses" and the "guru of all things predatory lending." He previously worked as a reporter for the Wall Street Journal and as an investigator for the Center for Responsible Lending. Hudson has also written for Forbes, the New York Times, the Los Angeles Times and Mother Jones. His work has won many honors, including a George Polk Award for magazine reporting, a John Hancock Award for business journalism and accolades from the National Press Club, the White House Correspondents’ Association, the American Bar Association and the New York State Society of CPAs. He edited the award-winning book Merchants of Misery and appeared in the documentary film Maxed Out. His latest book, THE MONSTER: How a Gang of Predatory Lenders and Wall Street Bankers Fleeced America—and Spawned a Global Crisis, was named 2010 Book of the Year by Baltimore City Paper and called "essential reading for anyone concerned with the mortgage crisis" by Library Journal. His recent series of stories for the Center for Public Integrity, "The Great Mortgage Cover-Up," has been selected to appear in Columbia University Press's Best Business Writing, 2012. Vikas Agarwal Managing Director PwC 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. Lisa 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.s. 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. Cynthia A. Barie,CAMS Vice President, AML Surveillance Operations, Tuning & Optimization PNC 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. 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 Principal, Financial Services Ernst & Young 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 expectation, 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 Beer Editor-in-Chief ACAMS moneylaundering.com Kieran Beer has been the editor-in-chief and editorial director for 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. 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). Nicholas Bogdan, CAMS IT Consultant 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. John J. Byrne, Esq., CAMS Executive Vice President ACAMS 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. James 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 Senior MLRO Advisor and Global Head for Sanctions Barclays Nelson 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, he 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. Nelson has degrees in law and in industrial engineering. Vasilios P. Chrisos, CAMS Americas Anti-Money Laundering 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 and Young’s AML advisory practice by managing projects at large, complex institutions. Tara M. Dabek, CAMS, AMLP, AAP Anti-Money Laundering / Fraud Project Manager Discover Financial Services 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. Sandra 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. Alejandra Elsea-Belousek, CAMS Director, Global Cards Citibank 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. 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 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. Donna DeMartino, CAMS Senior Director, Global Forensic and Dispute Services Alvarez and Marsal Donna DeMartino is a Senior Director with Alvarez & Marsal’s Dispute Analysis & Forensic Services in New York where she is currently the lead in the BSA/AML and Compliance Technology Service Line. She brings more than 20 years of management consulting experience in leading and managing large, complex technology implementation efforts, investigations, BSA/AML Look Backs and Forwards and has supported compliance, forensic, dispute and quarterly audit projects. Ms. DeMartino has spent more than 10 years focusing on regulatory and compliance engagements within the financial services industry, specifically banking and brokerage. While she specializes in compliance related technologies, such as interdiction (OFAC), transaction monitoring applications, case and SAR management systems, she also has in-depth expertise in the policies and procedures that are captured in the business rules within the compliance’s technology infrastructure (i.e., dynamic risk scoring, customer and enhanced due diligence, wire transfer transactions, e-payments, etc.). From a project management perspective, she has provided management oversight to customer remediation efforts, transaction monitoring reviews and assessments, gap analysis, sanction reviews, work flow and case management product selections, testing, refinement and implementations. In addition, she has assisted clients in calibrating their thresholds and settings within the compliance technologies to accommodate enhancements and augmentations made to the financial institutions’ business models. Moreover she has built strong working relationships with the major vendors in the compliance space. Prior to joining A&M, Ms. DeMartino was a Senior Manager in Enterprise Risk Services Group at Deloitte & Touche. She was also a Senior Manager in the Analytic and Forensic Technology group in Deloitte’s Financial Advisory Services practice and Deloitte Consulting. Prior to Deloitte, Ms. DeMartino was with Pinkerton Consulting and Booz Allen & Hamilton, where she was responsible for managing a number of application development efforts, providing business improvement and IT strategy expertise for the Financial Services Sector. Ms. DeMartino earned a dual bachelor's degree in arts and sciences from Syracuse University with honors. She is also a certified anti-money laundering specialist. Mo-Yun Lei Fong, CAMS Finance Director and Chief Compliance Officer Google Wallet 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 ChemE and MA in Education from Stanford University. Tramond French, CAMS, CRCM, CIPP Senior Director, Strategy, Governance and Product Development PayPal 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). Susan 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 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 (Ron) Giammarco, CAMS Partner, Financial Services Ernst & Young 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, Rento 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. Michael Grossman, CAMS Vice President, Global Anti-Money Laundering Unit The Northern Trust Company 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 Gurdak, CAMS Supervisory Analyst Washington Baltimore HIDTA-NVSI 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. 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. Anthony Hannem Vice President, Global Security & Investigations TD Bank Group Anthony brings over 22 years of in-depth global security and investigative experience. During his career, he has held leadership roles in security with a number of global organizations, including Husky IMS, Research in Motion and Sun Life Financial. Anthony has had global responsibility for security strategy, investigative services, physical and electronic security and risk management. Anthony joined TD Bank Group in April 2010; he currently holds the role of Vice President Global Security & Investigative Services. Anthony studied Education and Business at Acadia University in Wolfville, Nova Scotia. Peter Hazlewood Global Head, Financial Crime Risk Operations Group Financial Crime Risk Standard Chartered Bank Peter Hazlewood is the Standard Chartered Bank executive with direct responsibility for managing Financial Crime Risk (FCR) operations globally. The FCR Programme at Standard Chartered Bank is now fully integrated on a global basis having undergone a two year model transformation. Hazlewood designed and implemented the new model and now manages a USD34MM budget and 600 FTE. Headquartered in London and operating in over 70 countries worldwide, Standard Chartered is an emerging markets specialist with a strategic focus on Asia, Africa and the Middle East. Hazlewood previously served in Hong Kong law enforcement, specializing in complex white collar crime. He was recruited by JPMorgan Chase in 1996 and worked in various positions in Hong Kong, Singapore and the USA. His last appointment at JPMC was in Corporate AML Compliance, New York. Immediately prior to joining Standard Chartered, Peter was Managing Director, Compliance Services and Security, DBS Group, the largest financial services group in the South East Asia. Hazlewood has an MBA (distinction) from the University of Hull (UK). 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. Mason Hinkle Senior Vice President, Deputy BSA Officer BSA Operations Financial Crime Risk Management Union Bank Jeffrey Houde, CAMS, CIA Vice President and Director - Enterprise AML Audit BMO Financial Group Jeff manages a team of auditors responsible to complete BSA/AML independent testing for BMO Financial Group, U.S. operations. BMO, the Bank of Montreal is one of the big five banks in Canada and is ranked at number 150 on the Forbes Global 2000 list. BMO has a substantial U.S. presence, ranking seventeenth in the U.S. with $117 billion in assets. BMO serves U.S. clients through BMO Harris Bank, a major U.S. Midwest personal and commercial bank, and BMO Private Bank, with wealth management offices across the United States, as well as BMO Capital Markets, the organization’s North American investment and corporate banking division. 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 came to the U.S. AML Audit Team from the Private Client Group Audit Team, where he was an Audit Manager focusing on wealth management operations in BMO Private Bank. 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. Jeffrey 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. Michael D. Kelsey, CAMS Compliance Managing Director JPMorgan Chase AJ Khan, Esq., CRCM, CAMS Senior Business Leader Global AML/ATF Visa 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. Khouri, CAMS Senior Director, Compliance Audit Services Ally Financial Services 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). Peter Kwan, CAMS Director, Forensic Technology Services Alvarez and 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. Jeff Lavine Partner, Financial Services Regulatory Practice PwC 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. Lawlor, CAMS Vice President, Global Sanctions Governance Director Wells Fargo Bank 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. Luigi Licari, CAMS Head of AML Operations Global Anti-Money Laundering Compliance TD Bank Group Luigi is an AML industry leader with20 years experience in various compliance roles. He is currently 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. Tara E. Loftus Executive Director Global Head, AML Training Americas Head, Anti-Corruption UBS 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. 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. Marshall Martin Enterprise Risk Executive and Co-General Counsel City National Bank of Florida Katie E. McBrayer, CRCM Internal Audit Team Lead; Regulatory Compliance Group BBVA Compass Bank Yesenia A. Mendez, CAMS, CRCM Manager 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 Montoya Product Development Manager ACAMS 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. Catherine LaFalce Director, Barclays Corporate and Investment Bank, Financial Crime Compliance – Americas Region, Head and Global AML Policy Advisory Head Barclays 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. Peter Neilson, CAMS Managing Vice President, Director of Anti-Money Laundering 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. Michelle L. Neufeld Managing Director and Chief Financial Crimes Compliance Executive North America, Global Financial Crimes, Corruption and Economic Sanctions Bank of America Michelle L. Neufeld is a Managing Director and Chief of Financial Crimes and Corruption North America at Bank of America. She is responsible for leading a team of compliance officers that provide oversight, direction, advice and counsel to all of the business units and control functions in North America on matters dealing with financial crimes including AML, Fraud and Corruption. Ms. Neufeld, as the BSA officer, participates in a number of senior management activities and governance routines within the Enterprise to enhance the risk management function. In addition, with over fifteen years of experience, Ms. Neufeld actively participates in government, regulatory, law enforcement and industry trade associations and forums; she is currently a co-Chairperson of the International Council of Securities Associations’ AML committee, participates in FATF’s public sector/ private sector consultative initiative, a member of BSAAG, a past co-chair of SIFMA’s Financial Crimes committee and participates actively in several other trade associations in this space. Prior to joining BAC, Ms. Neufeld served as the AML Officer for the Global Investment Bank at JPMorgan Chase. She also worked at The Reserve Funds as General Counsel and Compliance Officer and as a staff attorney at NASD’s Department of Arbitration and Mediation. Ms. Neufeld holds a J.D. from New York Law School and a B.A. from the University of Miami. Jack 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. 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. Gary E. Peterson Senior Executive Vice President, 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. Platt Senior Investigator | AML/BSA Consultant US Department of Justice – Organized Crime Drug Enforcement Task Force (OCDETF) 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, Mrs. Rentschler spent 7 years as a National Bank Examiner with the Officer of the Comptroller of the Currency. Christine 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 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. Ellen Rullman, CRCM, CAMS, CIA AML Compliance - Director Capital One Before joining the department as the Anti-Money Laundering (AML) Independent Compliance Transaction Testing (ICTT) team lead, Ellen was a Senior Manager in Corporate Audit Services responsible for leading AML Compliance audits and other compliance audits. Ellen is responsible for designing and executing compliance tests for all Capital One businesses to ensure the second line of defense is appropriately validating control performance. Her previous audit experience has contributed to the early success of the testing team. She has demonstrated independent thinking, effective communications, and the ability to build relationships throughout the organization. Ellen is CRCM and CAMS certified as well as a Certified Internal Auditor (CIA). John Sabatini Partner PwC 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. Nancy 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. Markus E. Schulz Chief Compliance Officer EMEA GE Capital Markus is the chief compliance officer for Global Life and BankingExpected Number of Attendees
1600Relevant Government Agencies
Intelligence Agencies, DOD & Military, Dept of Homeland Security, Dept of Justice, Dept of State, Dept of Treasury, USPS, SSA, Judicial Branch Agencies, State Government, County Government, City Government, CIA, USAID, National Guard Association
View Exhibitor/Sponsorship Details
When
Sun-Wed, Sep 22-25, 2013
PT
Exhibit Dates
Mon-Wed, Sep 23-25, 2013
Where
Aria
3730 Las Vegas Boulevard South
Las Vegas, NV 89158
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Website
Click here to visit event website
Organizer
ACAMS
