Alan S. Abel  |  Director and Global AML Practice Leader, Regional Leader Regulatory Compliance
Crowe Horwath LLP

Alan Abel is Crowe Horwath’s Global Anti-Money Laundering (AML) Practice Leader. Alan has worked with the Boards and Management of over one hundred global and regional banks to help them develop and strengthen their governance, business processes, controls, and risk management connected with money laundering, fraud, corruption, related financial crime, and sanctions.   He has 20 years of experience managing large, complex domestic and international projects and financial management operations.  Alan has worked with the governments of thirty-five countries to evaluate and assist their money laundering detection and deterrence efforts, including the first money laundering vulnerability assessment of the Latin American Rim and Caribbean Region resulting in the Kingston Declaration and the Caribbean Financial Action Task Force (CFATF), which he ran prior to Trinidad & Tobago.  These regions included the British Overseas Territories in the Caribbean, the Kingdom of the Netherlands jurisdictions, the governments of Mexico, Colombia, Costa Rica, Dominican Republic, Nicaragua, Panamá, and Venezuela.  Alan has testified before the U.S. Senate Finance Committee on money laundering for the private sector.  Alan has written numerous articles, is quoted frequently by the press and has appeared on CNN and CNBC.

Amy G. Rudnick  |  Partner
Gibson Dunn and Crutcher LLP

Amy G. Rudnick, a partner in theWashington, D.C. office of Gibson, Dunn & Crutcher, joined the firm in 1995. Ms. Rudnick co-chairs the firm's Financial Institutions Group and is a member of the White Collar Defense and Investigations Practice Group, specializing in criminal, civil, and regulatory enforcement proceedings involving anti-money laundering laws and regulations, including the Bank Secrecy Act, as amended by the USA PATRIOT Act. Ms. Rudnick also counsels domestic and foreign banks, securities broker-dealers, investment companies, insurance companies, finance companies, money services businesses, other financial services businesses, casinos, and other multinational corporations with respect to anti-money laundering and anti-terrorist financing compliance programs, currency transaction and suspicious activity reporting requirements, Customer Identification Programs, Enhanced Due Diligence policies and procedures, and Office of Foreign Assets Control laws and regulations. She conducts due diligence reviews in connection with possible acquisitions of U.S. and foreign businesses directed to avoiding civil and criminal liability under applicable U.S. and foreign money laundering, anti-bribery and economic sanctions laws and regulations. Ms. Rudnick is ranked nationally as a leading lawyer for Financial Services Regulation in the 2010 guide of Chambers USA: America's Leading Lawyers for Business. From 1994-2003, Ms. Rudnick was a member of the Treasury Department's Bank Secrecy Act Advisory Group.

Andrés Carriquiry, FIBA CPAML & FIBA AMLCA  |  Gerente Ejecutivo  -  Oficial de Cumplimiento
Banco de la República Oriental del Uruguay

Con más de treinta y tres años de trayectoria en el Sector Financiero Uruguayo, ocupa actualmente el cargo de Oficial de Cumplimiento del Banco de la República Oriental del Uruguay (BROU).   Es  el Representante Titular por Uruguay en el Comité Latinoamericano de Prevención de Lavado de Activos y Financiación del Terrorismo de FELABAN.  e desempeña como Gerente Ejecutivo de la Unidad de Prevención de Lavado de Activos del BROU, habiendo participado como orador en diversos cursos de certificación, seminarios y congresos internacionales vinculados a esa materia.  Se ha especializado en la temática de Prevención de Lavado de Activos, obteniendo la certificaciónes CPAML y AMLCA de la Florida International University y el Instituto de Capacitación de FIBA,  la Certificación en Prevención de Lavado de Activos y Financiamiento al Terrorismo de la Universidad Católica del Uruguay, como así también la Certificación como evaluador de GAFI según la Metodología de Evaluaciones Mutuas.

Andres A. Fernandez, Esq.  |  Shareholder/ Co-Leader Banking and Financial Services Pratice Group
Gunster

Shareholder, Gunster (2005-Present).  Practice Leader, Banking and Financial Services.  Chairman, Gunster’s Diversity Committee. Specializing in Banking and International Law, including Bank Secrecy Act (BSA), Anti-Money Laundering (AML) and Office of Foreign Assets Control (OFAC) compliance-related matters.  Mr. Fernandez has developed substantial expertise in counseling international and domestic banking clients in the development and implementation of policies, procedures and internal controls to comply with BSA/AML/OFAC laws and regulations.  In his capacity as banking counsel, Mr. Fernandez has represented banking clients in such diverse matters as the establishment of U.S. presences of foreign banks, the de novo formation of banks, the resolution of regulatory enforcement actions against banks, the representation of banks before various regulatory or enforcement agencies as well as the resolution of potential civil and criminal monetary penalties, fines and forfeitures before U.S. banking regulators, FinCEN, OFAC and the U.S. Department of Justice.  Member of the U.S. Department of the Treasury’s Steering Committee for the U.S.-Latin American Private Sector Dialogues.  Member of FIBA’s AML Compliance Officers Committee and Legal and Regulatory Affairs Committee.  Board of Directors for the South Florida Banking Institute.  Honorary Director for the Latin Builders Association.  Mr. Fernandez is a frequent speaker at banks and international/domestic conferences on BSA/AML/OFAC compliance-related matters.

Andrew Aspen  |  Assistant General Counsel
Bank of America

Andrew Aspen is Assistant General Counsel with Bank of America advising Merrill Lynch Wealth Management’s Latin America Division, which includes business units based in the U.S. and in Latin America.  He has worked previously as in-house counsel with Morgan Stanley’s Global Wealth Management Group, as an associate in the Latin American practice group of Cleary Gottlieb Steen & Hamilton LLP and as a law clerk to the Honorable William J. Bauer of the U.S. Court of Appeals.  Andrew received his J.D. from New York University and his B.A. from Bates College in Maine.  He is admitted to practice law in New York and Illinois, is a member of SIFMA’s cross-border wealth management working group for in-house counsel and is fluent in Spanish.

Arthur D. Middlemiss  |  Director of the Global Anti-Corruption Program
JPMorgan Chase & Co.

Arthur D. Middlemiss is the Director of the Global Anti-Corruption Program at JPMorgan Chase & Co. (JPMC).  At JPMC, he formerly headed the Financial Intelligence Unit, a team designed to recognize and proactively confront major enterprise-wide Anti-Money Laundering (AML) risks, and oversaw the AML surveillance program for the Investment Bank and the Treasury and Securities Services lines of business.   Prior to its merger with JPMC, Mr. Middlemiss headed the AML surveillance program for Bear Stearns.   From September 1994 to June 2007, Mr. Middlemiss served as an Assistant District Attorney in the New York County District Attorney’s Office.  As Bureau Chief of Investigations Division Central, also known as DANY Overseas, Mr. Middlemiss supervised the investigation and prosecution of complex white collar criminal cases, focusing on matters involving securities fraud, international money laundering, tax evasion, and illegal money remitters.  Multiple investigations produced settlements that required major domestic financial institutions to reform their compliance programs.  Among other matters, Mr. Middlemiss co-led the District Attorney’s investigation into the role of financial institutions in Enron’s collapse.

Ms. Ricca has over 30 years of experience with Chief Counsel.  Since July 1, 2001, she has been the Deputy Associate Chief Counsel (International Litigation and Field Service).  Prior to assuming this job, she was the Associate Area Counsel (LMSB) in Washington, DC.  From March 1997 to October 2000, she was the Associate District Counsel, Delaware-Maryland, in Washington, D.C.

Bill has over 25 years combined experience in Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) compliance, corporate security, investigations, fraud prevention and law enforcement.   Prior to joining Union Bank, Bill was with Sky Financial Group as the  BSA/AML and Security Officer overseeing all financial crimes, security and BSA/AML compliance.  Bill previously worked at Riggs Bank during their landmark enforcement action and assisted with the development of the BSA/AML program; focusing on the creation of the FIU and the integration of AML/ATF investigations and  fraud prevention initiatives.   Currently, Bill is the Executive Vice President, Chief BSA & Security Officer at Union Bank.  Bill’s responsibilities include  the BSA/AML/OFAC  & FCPA Program, Enterprise Fraud Management (EFM), Corporate Security & Investigations and Regulatory Affairs. During his tenure with law enforcement, Bill served in numerous roles which includes criminal investigations involving financial crimes, narcotics, vice and organized crime.  Bill is a graduate of the Public Safety Executive Management program from Northwestern University and has a BA in Criminal Justice and Community Studies.

Carl Fornaris is a shareholder in Greenberg Traurig's Miami office where he co-chairs the firm's National Financial Institutions Group.  Carl concentrates his practice in the representation of financial services firms in all aspects of their business.  In particular, he represents U.S. and non-U.S. firms on finance and corporate matters and provides supervisory and compliance counseling for institutions regulated by the Federal Reserve, OCC, OTS, FDIC, Florida Office of Financial Regulation and other state supervisory authorities. He actively advises banks, thrifts, investment advisers, securities broker dealers, money services businesses and other financial institutions on TARP-related matters, FIRREA issues, and compliance with the USA PATRIOT Act.  Carl previously served as the Head of Legal and Compliance for the Latin America region of Barclays Bank PLC, with responsibility for managing legal and compliance matters throughout the Latin America region.

Clark Abrams is Chief of the Money Laundering and Financial Investigations Unit at the Office of the Special Narcotics Prosecutor for the City of New York, where he is responsible for directing money laundering cases, conducting training, and assisting and advising prosecutors throughout the Office on money laundering investigations and prosecutions, and sits on the Office's committee that approves and reviews undercover money laundering operations.  Over the past 20 years, he has gained substantial experience, in positions with the Securities and Exchange Commission, Manhattan District Attorney’s Office, and Special Narcotics Prosecutor, investigating and prosecuting international money laundering, narcotics trafficking, and financial crime. After serving state appellate and federal trial judicial clerkships upon graduation from law school, Mr. Abrams practiced commercial litigation in New York City, before entering public service. He has served on various Financial Action Task Force (FATF) Working Groups, has been trained as a Mutual Evaluation Assessor for the 40 + 9 Recommendations, and has spoken both in the United States and abroad on issues relating to financial crime, money laundering, and international cooperation.  

Mr. Vázquez-Bello is a Senior Partner with the firm of Gunster, Yoakley & Stewart and is a member of its Board of Directors. Mr. Vázquez-Bello was Chairman of the International Law Section of The Florida Bar (1986-87) and was a Director of the Cuban-American Bar Association (1987-92).  He has served as General Counsel of the Florida International Bankers Association (FIBA) and is a member of its Executive Committee and Board of Directors.  He is the Chairman of  FIBA’s annual AML Compliance Conference.  Since 1998, Mr. Vázquez-Bello has been a member of the Bank Secrecy Act Advisory Group of the Financial Crimes Enforcement Network (FinCEN), of the U.S. Department of the Treasury (most recently as representative of FIBA). Mr.  Vázquez-Bello serves as outside legal counsel to numerous domestic and foreign banking and financial institutions.  He oversees Gunster’s legal services in BSA/AML/OFAC compliance as a member of the Firm’s Banking and Financial Services Group, practicing out of Gunster’s Miami Office. He is recognized, nationally and internationally, as a specialist on BSA/AML/OFAC compliance and has been a speaker at more than 100 seminars/conferences on banking and BSA/AML/OFAC issues in the U.S., Europe, Central and South America and the Caribbean.

Darren is a principal with KPMG LLP’s Forensic Advisory Services practice. He serves as the U.S. Financial Services Sector Leader for Forensic. Darren has 25 years experience delivering Investigative and Integrity Advisory Services, Anti Money Laundering Compliance services, Fraud and Misconduct Investigations, and Foreign Corrupt Practices Act / Anti-Bribery-Corruption services. Prior to KPMG, some of his experience included serving as an investigator with the Criminal Division of a State Attorney General; Fidelity Investments and  a leading global Consulting firm.   Darren works on a wide array of issues pertaining to integrity investigation and remediation for his clients. He has extensive hands-on experience in assisting clients in providing advisory services around government matters involving Deferred Prosecution Agreements (DPAs), Cease and Desist Orders (C&Ds) and Memoranda of Understanding (MOUs) . He has developed and led numerous presentations to and/ or provided official reports to various government agencies such as DOJ, SEC, Federal Reserve, FDIC, New York State Banking, and State Attorney Generals. He has worked for a highly select client base of major financial institutions throughout the U.S. and the world.  Darren has a wealth of experience leading complex, high profile global projects. Subjects have include: violations of law/regulations, corruption, financial fraud, insider abuse, securities misconduct violations, market timing/late trading, tax evasion, mortgage foreclosure, AML/OFAC.

David commenced his banking career in 1978 with Marine Midland Bank in New York City while still in University. After graduation, David entered the executive training program at Marine Midland thus providing him with a solid and wide base of experience. Having initially focused on the treasury side of banking, David held positions as head of Treasury operations and then Lending operations at a number of international banks in New York until he was appointed as Head of Operations for what is today Sumitomo Mitsui Banking Corporation in New York. Originally commencing with Mitsui Bank, the bank during the late eighties and nineties placed in the top two positions globally by asset size. Having spent eleven years at the bank, David eventually assumed the role of Head of Risk Management giving him oversight over key risk management functions.   Having relocated to South Florida, David joined Protiviti as the head of the financial services practice for Florida and was the senior “subject matter expert” in banking for the Southeast region.  In this capacity, David provided internal audit and compliance consulting services for a number of community banks in Florida. Later David joined Great Florida Bank as Chief Risk Officer and Executive Vice President. Currently David is the Chief Risk Officer for BAC Florida Bank as well as Chairman of the AML Committee for FIBA.  Formerly serving on the Board of Directors for FIBA and was the Vice President of The Institution of Internal Auditors Miami’s Chapter.

Deborah is the Head of the Financial Intelligence Unit for Citizens Financial Group, with responsibility for all FIU functions across the CFG footprint, including AML Investigations, High Risk Customer Investigations, Analytics and Intelligence, and Quality Control Management.  Citizens Financial Group, Inc. is a $132 billion Commercial bank holding company, headquartered in Providence, R.I., with branches in 12 states and  non-branch retail and commercial offices in more than 30 states. Deb joined Citizens in 1998 as Director of Loss Avoidance, in which position she was responsible for deposit, check, and card fraud prevention.  In 2002, she became the Director of the newly created AML Department.

Ellen Zimiles is a Managing Director and Head of Global Investigations and Compliance at Navigant. She has more than 25 years of litigation and investigation experience, including 10 years as a federal prosecu­tor. Ms. Zimiles is a leading authority on anti-money laundering programs, corporate governance, regulatory and corporate compliance, fraud control and public corruption matters. She has worked with a multitude of financial institutions preparing for regulatory exams, developing remediation programs and assisting organizations as a regulatory liaison. Ms. Zimiles founded and served as CEO of Daylight Forensic & Advisory LLC, an international investigations and compliance consulting firm which merged with Navigant in 2010. As an assistant United States attorney in the Southern District of New York for more than 10 years, Ms. Zimiles served in the civil and criminal divisions and was chief of the forfeiture unit for more than six years. She was responsible for many high-profile money laundering, fraud and forfeiture cases.

Fiona Briscoe is the Senior Compliance Manager at National Commercial Bank Jamaica Limited (“NCB”). In this capacity she is charged with administering the anti-money laundering (“AML”)/counter-financing of terrorism (“CFT”) compliance program for NCB and its subsidiaries - comprising entities within the securities, insurance, remittance and pension industries. Some of her responsibilities include providing guidance to stakeholders, submitting regulatory reports to the relevant agency of government and advising the enterprise of new and revised changes to legislation, regulatory directives and international best practices along with outlining processes to be employed to ensure the continued compliance of the enterprise. In the discharge of her responsibilities, Fiona works closely with the regulators and senior managers/unit heads within the NCB group.   Prior to joining NCB, Fiona served in the capacity of Senior Analyst in the Financial Crimes Unit at the Financial Services Commission (“FSC”) in Jamaica. During her tenure, she was credited for the drafting of its Guidelines on AML/CFT for its constituents and planning and coordinating successful training seminars relating to AML/CFT and fraud.   Fiona is also an experienced auditor having garnered this experience whilst working at Deloitte & Touche. Her audit experience includes financial and internal control audits covering a wide cross section of industries.

Frank D. Robleto is President and Chief Executive Officer of BAC Florida Bank, based in Coral Gables, Florida. He was appointed to his current position on May 1, 2005, after serving for two years on the Bank’s Board of Directors and on several committees of the Board.  Before joining BAC Florida Bank, Frank spent over twenty-two years at Standard Chartered Bank and First Interstate Bank in different executive positions, including CEO of Latin America based in Miami, New York and Los Angeles; Global Head of Institutional Banking and Regional Head of Institutional Banking, based in Singapore. In his last role, he led the customer relationships with banks, broker-dealers, fund managers and insurance companies in the Asia Pacific Region. Before his time at Standard Chartered Bank and First Interstate Bank, Frank worked in Nicaragua for ten years as the CEO of a local finance company and as an officer in the Central Bank of Nicaragua.  Frank is on the Board of Directors of the Florida International Bankers Association where he serves as President. He was elected president in May of 2011, and will serve from July 1, 2011 to June 30, 2012.  He is also on the Board of the American Nicaraguan Foundation and is a member of its Audit Committee. 

Jamal El-Hindi is the Associate Director for the Regulatory Policy and Programs Division of the Financial Crimes Enforcement Network (FinCEN).  In this capacity, he oversees the regulatory, compliance and enforcement functions for the Agency.  Prior to assuming this position, Mr. El-Hindi served as the Associate Director for Program Policy & Implementation at the Office of Foreign Assets Control in the U.S. Department of the Treasury from June 2005 to June 2006.  In that capacity he oversaw OFAC’s Compliance Outreach Division, Licensing Division and Policy Division.  Previously, he was an Attorney-Advisor in the Office of Chief Counsel (Foreign Assets Control) within Treasury’s Office of the General Counsel, where he served as a legal advisor on various economic sanctions programs.  Before joining Treasury in December 2000, Mr. El-Hindi was an associate at Patton Boggs LLP in Washington, D.C., where his practice focused on U.S. regulation of international business transactions, representation of foreign sovereigns and international banking litigation.  He is a past president of the Washington Foreign Law Society.

Jim is Director of BSA Compliance for BBVA Compass, a leading banking franchise with more than  700 branches in the Sunbelt and Colorado.  He served for three years as Director of BSA Compliance for BBVA USA, with oversight over the compliance programs at all of the BBVA entities in the U.S.  Prior to joining the BBVA Group, Jim was a Vice President in JP Morgan Chase’s BSA Compliance Department.  Jim started his career in banking compliance as a bank examiner with the Federal Reserve Bank of New York.

James H. Freis, Jr. was appointed Director of the Financial Crimes Enforcement Network (FinCEN) on March 5, 2007 by the Secretary of the Treasury.  As Director, Mr. Freis oversees FinCEN’s efforts as administrator of the Bank Secrecy Act (BSA) to establish and implement policies to detect and prevent money laundering and terrorist financing, as well as support the law enforcement, regulatory and intelligence communities through the sharing and analysis of financial intelligence.  Since his arrival at FinCEN, Mr. Freis has worked toward ensuring that BSA requirements on covered financial institutions are efficient in their application, and effective in their service to law enforcement investigators, FinCEN analysts, and regulatory examiners.  This effort has included:  simplifying the reporting regime while maintaining its high degree of usefulness to law enforcement; making FinCEN’s regulations more accessible; and promoting a more efficient, risk-based process for compliance examinations. Under his leadership, FinCEN has strengthened its outreach to, and information exchange with, the regulated industry, in order to better align with the financial industry’s business incentives and risk-based approaches for protecting financial systems from abuse.  

Jim Richards is the Bank Secrecy Act Officer for Wells Fargo & Co., and is a member of the Compliance & Enterprise Risk Management Group. The group provides regulatory compliance oversight for the Bank and holding company, and corporate support for operations risk analysis and control, including BSA activities. Jim also heads up the enterprise BSA Steering Committee and the Corporate BSA/Office of Foreign Asset Control (OFAC) Program Office. The BSA/OFAC Program Office is working to ensure that Wells Fargo has a strong, well-understood anti-money laundering and sanctions program, including establishing corporate policy, setting priorities and directing resources, sharing information and best practices, coordinating BSA/AML/OFAC compliance activities across the company, and investigating and reporting suspicious activity related to money laundering, terrorist financing, and customer and third party fraud. In addition to his BSA, AML, and OFAC responsibilities, Jim manages the enterprise Customer Due Diligence Group and Credit Investigations Department, and oversees the Corporate Fraud Risk Management Program.  Prior to joining Wells Fargo in October 2005, Jim was head of Bank of America’s Global Anti-Money Laundering Operations group. Previously, he was head of FleetBoston Financial Group’s Financial Intelligence Unit, responsible for investigating terrorist financing and money laundering.  Jim was a Special Constable with the Royal Canadian Mounted Police prior to beginning his legal career, with nine years in private practice specializing in commercial litigation, and four years as a prosecutor specializing in organized crime, narcotics, asset forfeiture, and public corruption. 

John Wagner was named in March 2005 as director for Bank Secrecy Act and Anti-Money Laundering Compliance in the Compliance Policy Division of the Office of the Comptroller of the Currency (OCC).  Mr. Wagner directs the development of Bank Secrecy Act and anti-money laundering examination policy and procedures.  He also provides policy interpretations and guidance to field staff, represents the OCC and the U.S. Treasury on interagency task forces, and develops training programs.  Prior to March 2005, Mr. Wagner served as a Bank Secrecy Act (BSA) / anti-money laundering (AML) specialist in the OCC’s Compliance Policy Division.  Mr. Wagner is a certified anti-money laundering specialist (CAMS) and a commissioned national bank examiner.  He began his OCC career 30 years ago in Dallas, Texas and subsequently served in San Francisco, California.

Joseph Cachey III is Senior Vice President and Associate General Counsel for The Western Union Company, which includes Orlandi Valuta and Vigo Remittance Corp.,   providers of money transfers, money orders and epayments.  He focuses his efforts on developing corporate shared value initiatives and external stakeholder outreach.    Until recently, he was Chief Compliance Officer to the Company where he had overall executive responsibility for the Company’s anti-money laundering program, licensing and corporate compliance and ethics programs in the over 200 countries in which Western Union conducts business.  Mr. Cachey has also served as Acting General Counsel.  He has been with the Company since 1998.   Mr. Cachey is a frequent speaker on anti-money laundering topics and compliance with the BSA and OFAC requirements, as well as international remittance issues. He has testified on regulatory matters before the U.S. House of Representatives’ Subcommittee on Oversight and Investigations of the Committee on Financial Services and the U.S. Senate Banking Committee.  He has served on FinCEN’s Bank Secrecy Act Advisory Group and is BAI Anti-Money Laundering Professional certified.  He is the inventor of three patented anti-money laundering processes.

Kathryn Hinton is an assistant vice president in the supervision and regulation division at the Federal Reserve Bank of Atlanta. In this capacity, she is responsible for the anti-money laundering, information technology, wealth management and operations risk teams.  Before joining the Bank, Ms. Hinton worked as a commercial lender. She joined the Atlanta Fed in 1992 as an international bank examiner and served as a field team leader for the international examinations area, which examines foreign banking organizations that conduct business in the Sixth District. In 2004, she became director of operations risk responsible for the Bank Secrecy Act/anti-money laundering team. In 2008, Ms. Hinton was appointed as assistant vice president.  Beyond her primary responsibilities, Ms. Hinton serves as an instructor at Federal Reserve System board examination schools and has conducted seminars on anti-money laundering and foreign bank organizations. She has also been involved in considerable public outreach efforts.

Les Joseph is the Manager of the Global Financial Crimes Intelligence Group at Wells Fargo & Company.  The primary mission of this Group is to provide intelligence on money laundering activity and financial crime trends to all parts of the bank.  Les joined Wells Fargo as the International Investigations Manager in the Financial Intelligence Unit in March 2010. Prior to joining Wells Fargo, Les worked for the U.S. Department of Justice from 1984 to February 2010.  From 2002-2010, he was the Principal Deputy Chief of the Asset Forfeiture and Money Laundering Section (AFMLS).  He was a Deputy Chief in the Section since October 1991.  During his tenure in AFMLS, the Section played a major role in several noteworthy money laundering investigations and prosecutions involving major financial institutions.

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.

Lisa Grigg is the Senior AML Compliance Executive for North America and Bank Secrecy Act Officer in Global AML and Economic Sanctions Global Compliance within the Legal Division and is located in Charlotte, NC. She is responsible for ensuring compliance with the Bank Secrecy Act and related federal laws as amended and supplemented by the relevant provisions of the Patriot Act, as well as other locally applicable laws and related anti-money laundering regulations in the United States, Canada and the Cayman Islands.  Grigg joined Bank of America in 2004 as a Manager in the Special Investigations Group within Global AML. She was promoted to AML Executive in 2006 and asked to lead Global AML Investigations in 2007. In early 2008 she was appointed as the Executive to lead Global AML Operations and then later that year appointed to the role of the Bank Secrecy Act Officer to oversee Global AML. In 2009 with the acquisition of Merrill Lynch she was asked to take the role as the America’s AML Risk Executive and Bank Secrecy Act Officer. She has been in her current position since March of 2009.

Abogado de la Universidad de los Andes y Filósofo de la Universidad Nacional de Colombia.  Con varios años de experiencia en el sistema financiero, se desempeña actualmente y desde 1996 como Oficial de Cumplimiento del Banco de Bogotá.  Presidente del Comité Latinoamericano para la prevención del Lavado de Activos (COPLAFT).

Lynne is the Head of Financial Crime Risk for Standard Chartered Americas.  Her responsibilities include Anti Money Laundering compliance and related financial crime compliance.  She was the Anti-Money Laundering Head for RBS Americas (including ABN AMRO) until July 2009. Prior to joining ABN AMRO in early 2006, she was the Global Director of Anti-Money Laundering Compliance at JP Morgan Chase in New York. Lynne has supervised all aspects of anti-money laundering and anti-terrorist financing compliance, policies, procedures and projects. She has worked closely with stakeholders from across the bank organizations to create and implement effective anti-money laundering programs.  Standard Chartered PLC, listed on both the London and Hong Kong Stock Exchange, ranks among the top 25 companies in the FTSE-100 by market capitalization, and has operated for over 150 years in some of the world’s most dynamic markets with an extensive global network of more than 1600 branches in over 70 countries in Asia Pacific, South Asia, Middle East, Africa, Europe and the Americas.

Marcelo Coscarelli is Chief Operating Officer of Banco Itaú Europa International and Itaú Europa Securities, Itaú-Unibanco’s US-based units dedicated to Private Banking.  Marcelo has been in the Financial Services industry for seventeen years, the past nine in the Wealth Management segment. He joined Itaú-Unibanco in December of 2008 from UBS, where he was responsible for the Brazil Wealth Management Sales Desk in Zurich. Prior to this role, he was Head of Citigold Wealth Management (Citigroup’s Mass Affluent segment) for Europe, Middle-East, and Africa, based in London.  A native of Brazil, Marcelo has spent nearly his entire career in international assignments, having lived and worked in Brazil, Venezuela, the United States, Singapore, the United Kingdom, and Switzerland.

Melanie Garman is the Executive Vice President and Chief Compliance Officer for the Mercantil Group in the United States.  The group includes Mercantil Commercebank, NA, which is headquartered in Coral Gables, Florida and has $7 billion in assets.  Melanie oversees the regulatory compliance and BSA programs at the bank and its broker dealer and trust subsidiaries and two affiliated offshore banks.   In this capacity, she has gained extensive experience in developing internal controls and systems for anti-money laundering compliance in a global, multi-faceted organization.  Melanie has worked as a compliance officer for over 24 years and serves on several boards of directors such as the South Florida Compliance Association and the Housing Opportunities Project for Excellence.  In addition, she has spoken about anti-money laundering and compliance   issues at conferences sponsored by the American Bankers Association, Florida International Bankers Association; the Bank Administration Institute; the Financial Institute and International Bankers of the Netherlands Antilles, and Miami-Dade College.

Michael B. Bernardo  |  Chief, Cyber Fraud and Financial Crimes
Federal Deposit Insurance Corporation

Michael B. Benardo is the Chief of the Cyber Fraud and Financial Crimes Section in the FDIC’s Division of Risk Management Supervision.  He oversees all aspects of fraud-related initiatives, including establishment of regulatory policies and procedures.  He is instrumental in developing and implementing fraud-related supervisory programs including examination techniques, and represents the FDIC on interagency working groups with a goal of developing consistent interagency programs for combating financial institution fraud.  Mr. Benardo has over twenty-one years of progressive experience with the FDIC, including serving as a Manager in the Technology Supervision Branch.  He also served as a key member of the FDIC’s Year 2000 project team from 1997 through the century date change.  Prior to his employment with the FDIC, Mr. Benardo spent six years working in the commercial banking industry.  He worked in a variety of areas including several assignments in bank operations.

Mr. Rufino is presently the Chief Operating Officer of Member Regulation Sales Practice responsible for overseeing FINRA’s Sales Practice program including the Membership Application Process. Prior to serving in this capacity, Mr. Rufino worked in FINRA’s Financial/Operational (FinOp) programs for ten years.  Mr. Rufino has been involved in various industry initiatives throughout his career including being a member of the Continuing Education (CE) Council and assisting in the creation of Electronic Communications Guidance to the industry and now more recently as a member of the Social Networking Task Force.  Mr. Rufino currently represents FINRA on several industry committees, including the Bank Secrecy Act Advisory Group (BSAAG), and the BSAAG sub-committees on Securities/Futures, SAR Reporting and SAR Review.

Mr. Volkov focuses his practice on white collar defense, corporate compliance and internal investigations, regulatory enforcement matters and complex commercial litigation.  Mr. Volkov regularly handles high-profile criminal cases under the Foreign Corrupt Practices Act (FCPA) and UK Bribery Act.  Mr. Volkov has extensive trial experience and was the lead trial attorney in more than 75 jury trials, including several lengthy and complex cases lasting more than six months.  Before entering private practice, Mr. Volkov served for over 17 years as a federal prosecutor in the U.S. Attorney’s Office in the District of Columbia; for 5 years as the Chief Crime and Terrorism Counsel for the Senate Judiciary Committee, and Chief Crime, Terrorism and Homeland Security Counsel for the Senate and House Judiciary Committees; and for 6 years in the US Department of Justice.

Richard G. MacNamara  |  Director, AML Risk Supervision, Department of Supervision and Regulation
Federal Reserve Bank of Atlanta - Miami Branch

Rick MacNamara is a director of anti-money laundering risk supervision at the Miami Branch of the Federal Reserve Bank of Atlanta where he manages a risk identification and examination team.  Mr. MacNamara joined the Supervision and Regulation Department of the Bank in 1992.  Since then he has been involved in commercial bank examination, bank holding company inspections and examinations of U.S. operations of foreign banking organizations.  Prior to joining the Federal Reserve Bank of Atlanta, he worked in the banking industry as an internal auditor, financial analyst, and lending officer.  He is an instructor at Federal Reserve training schools, both domestic and overseas, and actively involved in development of Federal Reserve System training programs. Mr. MacNamara regularly speaks at banking and regulatory conferences on topics relating to anti-money laundering supervision.

Robert F. Hudson, Jr.  |  Principal and Miami Office Managing Partner
Baker & McKenzie LLP

Bob Hudson is the Managing Partner and Senior Tax Partner of the Miami office with a 39-plus year career in international tax law.  He has long been recognized as a leading tax authority and practitioner, with specialties in both tax planning and tax controversy work in the international and domestic arenas. Bob has covered both outbound and inbound U.S. tax planning for international clients, with a subspecialty of addressing FIRPTA and treaty-related issues for foreign clients investing in the United States.  In recent years, Bob has done an increasing amount of so-called private banking, international tax and trust planning for very high net worth clients and financial institutions.  He continues to represent a number of significant Fortune 500 companies in international, outbound tax planning and global tax minimization projects, as well as representing clients in major tax controversy cases.  He has testified before the U.S. House of Representatives Ways and Means Committee on U.S. taxation of foreign investment in the United States.

Robert G. Rowe, III   |  Vice President & Senior Counsel
American Bankers Association

Rob joined the American Bankers Association (ABA) in October 2008 and represents the association’s members in the areas of Bank Secrecy Act/Anti-Money Laundering, Community Reinvestment Act, fair lending and privacy. He is actively engaged with developing the ABA’s annual Money Laundering Enforcement Conference with the American Bar Association and also manages the ABA’s monthly conference calls with members on AML issues and oversees the ABA’s bi-monthly AML newsletter.  Rob serves as the ABA representative to Treasury’s Bank Secrecy Act Advisory Group (BSAAG). He has been an active member of the BSAAG for nearly 15 years and during that time has co-chaired many different BSAAG subcommittees; he currently co-chairs the Banking Subcommittee. In 2005, Rob was awarded the Financial Crimes Enforcement Network Director’s Medal for Exceptional Service for his work on behalf of the banking industry to combat money laundering and terrorist financing. In addition to his work with BSAAG, Rob chairs the Financial Crimes Working Group, one of seven active committees of the International Banking Federation.

Ryan Bahadur  |  Senior Compliance Vice President - Regulatory Compliance
Cayman National Corporation

Mr. Bahadur is a Senior Vice President of Cayman National Corporation responsible for regulatory compliance of the group’s subsidiary banks, trust companies, fund administrators and broker dealers. Previously, he was with Royal Bank of Canada International Wealth Management in Grand Cayman responsible for regulatory compliance in trust services, private banking, international advisory, captive insurance and fund management. Ryan also held the position of Deputy Head of Banking Supervision – Cayman Islands Monetary Authority with direct responsibility for the Basel II implementation in the Cayman Islands and has consulted for financial services companies within the Caribbean on AML/CFT.  Ryan holds a B.Sc. (Hons) degree in Management and Finance from the University of the West Indies and the Certified Anti Money Laundering designation from the Association of Certified Anti Money Laundering Specialists.

S. Marshall Martin  |  Managing SVP, Enterprise Risk Executive & Co-General Counsel
City National Bank

Marshall has over twenty three (23) years of substantial real estate, bank regulatory compliance/risk management, finance, accounting, and legal experience.  He joined City National Bank of Florida in February 2009 and presently serves as Enterprise Risk Executive & Co-General Counsel.  At City National, Marshall has joint accountability for the legal affairs of the bank and is also responsible for all non-credit risk, including BSA/AML/OFAC and regulatory compliance.  In addition, his responsibilities include leadership, strategy development and management of regulatory relations. Prior to his current role, Marshall joined Wachovia in January 2003 and served in the Legal Division as Assistant General Counsel for the General Banking Group (GBG).  In August 2005, Marshall joined the GBG’s Operations Group as Director of International & High Risk Customer Governance.  There he was responsible for executing against USA PATRIOT Act, Bank Secrecy Act and OCC mandates with respect to high-risk customers (e.g., NRAs, MSBs, PEPs, charities, foreign legal entities, travel agencies, etc.). 

Sean O'Malley  |  Vice President and Deputy Chief Investigator
Federal Reserve Bank of New York

Sean M. O’Malley is a Vice President and the Deputy Chief Investigator for Enforcement at the Federal Reserve Bank of New York.  In this capacity, he participates and manages investigations of possible violations of banking and criminal laws and regulations by financial institutions and affiliated parties subject to the jurisdiction of the Federal Reserve.  Mr. O’Malley specializes in investigations that relate to Bank Secrecy Act violations.  Mr. O’Malley also acts as a liaison between the Federal Reserve Bank of New York and law enforcement agencies at both the federal and state level in advanced fee and other types of fraud detection, money laundering and terrorist-financing issues.  As part of this responsibility, he has testified at criminal trials and taught training seminars focusing on the banking system to agents from various federal agencies.  Mr. O’Malley was also a lead investigator on the Independent Inquiry Committee, where he helped trace billions of dollars in corruption linked to the United Nations Oil-for-Food Programme.

Serena D. Moe  |  Consultant - Economic Sanctions

Serena Moe served as the General Counsel for Economic Sanctions at Citigroup, advising all Citigroup businesses on issues related to economic sanctions.  She assumed this position in September 1997 serving thru December 2011.  Ms. Moe also had responsibility for advising on anti-boycott laws, and the Foreign Corrupt Practices Act.  Before coming to Citigroup, Ms. Moe served as the Deputy Chief Counsel at the Office of Foreign Assets Control of the U.S. Treasury Department.  Ms. Moe joined the OFAC legal staff in 1988, and served as the principal attorney for the Cuban embargo and the sanctions used to protect Kuwaiti assets.  Prior to assuming her position at OFAC, Ms. Moe held other legal positions at the Department of Treasury and the National Labor Relations Board.  Ms. Moe received a B.A. and an M.A. from Stanford University and her J.D. from George Washington University.   On leaving the Treasury Department, Ms. Moe received the Treasury Department’s Meritorious Service Award from Secretary Rubin. 

Sergio Alvarez-Mena  |  Executive Director
Morgan Stanley Smith Barney

Sergio Alvarez-Mena is currently an Executive Director of Morgan Stanley Smith Barney, LLC. Mr. Alvarez-Mena was formerly lead counsel for the Private Wealth Management division, as well as lead counsel for all U.S. based cross-border business including the Latin American division, and its New York, Geneva, Miami, and Sao Paulo offices.  Prior to joining Morgan Stanley & Co. in December 2008, he served as lead counsel to Merrill Lynch International Latin America Private Client division and Merrill Lynch Bank & Trust (Cayman) Ltd. From 1989 through 2000, Mr. Alvarez-Mena was an equity partner of Morgan Lewis & Bockius specializing in cross-border matters and the representation of financial institutions in those matters.

Susan Galli  |  Senior Vice President and AML Program Director
HSBC

Susan Galli is currently the Director of AML Programs, part of the AML Governance Office for HSBC North America Holdings, Inc.  She has responsibility for AML policy and program development.  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 17 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. 

Licda. Susan Paola Rojas  |  Intendente de Verificación
Superintendencia de Bancos de Guatemala

Profesional calificada en Prevención de Lavado de Dinero, Financiamiento del Terrorismo y Administración de Riesgos Operativos, reconocida desde el año 2005 por la Iniciativa Americana para la Prevención de Riesgos Financieros IAPRIF (entidad que goza del respaldo de la Fundación General de la Universidad de Salamanca y la Federación Latinoamericana de Bancos) como parte de su selecto Grupo de Expertos AML-CFT.

Suzanne L. Williams  |  Manager, BSA/AML Compliance Section, Division of Banking Supervision and Regulations
Board of Governors of the Federal Reserve System

Suzanne Williams is the Manager of the BSA/AML 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.   Ms. Williams 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.   Ms. Williams began her career as a safety and soundness bank examiner in the New York Region of the Federal Deposit Insurance Corporation.  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.

Sven Stumbauer  |  Director, Forensic
KPMG LLP

Sven joined KPMG’s Forensic practice in October of 2004. Prior to joining KPMG ForensicSM, Sven worked with the NASD (National Association of Security Dealers) as a Compliance Examiner. His prior experience includes Financial and AML/U.S. Patriot Act compliance audits of broker/dealers as well as securities fraud examinations. Sven’s industry expertise includes domestic and international banks, broker/dealers, trust companies and hedge funds, focusing on regulatory compliance, fraud issues and Anti-Money Laundering compliance. Sven participated in the development and deployment of KPMG’s proprietary Anti-Money Laundering approach and system, for both correspondent and retail banking, which focuses on the development of scenarios to identify potentially suspicious transactions as well as other indicators of money laundering or fraud.

Timothy P. Leary  |  Senior Special Anti-Money Laundering Examiner
Board of Governors of the Federal Reserve System

Timothy P. Leary is a Senior Special Anti-Money Laundering Examiner at the Board of Governors of the Federal Reserve System in Washington, D.C.  In this position, he works with Reserve Bank and Board staff in designing supervisory strategies to address complex BSA/AML issues and planning examination approaches to large banking organizations and financial institutions.  Mr. Leary also participates on behalf of the Board in interagency and industry groups to develop and communicate BSA/AML policy guidance for financial institutions.  He has served as a member of the interagency drafting group of the FFIEC BSA/AML Examination Manual since the group’s inception in 2004, and chaired the group for the 2010 revision of the Manual.

Wayne Shah  |  Senior Vice President
Wells Fargo Bank, N.A.

Wayne Shah is a Senior Vice President at Wells Fargo and works in their international division managing correspondent banking for the Caribbean region. He is an experienced practitioner from the fast paced world of banking and technology. His background encompasses various functions within both corporate and retail banking and includes successful stints with Citicorp, ABN AMRO Bank, M-Frontier Inc. and Clavex LLC.  In 2006 Mr. Shah was appointed Chief Operating Officer of Clavex LLC. a wholly owned subsidiary of BLADEX - the Latin American Export Bank. In 2002 Mr. Shah co-founded M-Frontier Inc. a Miami company focused on providing technology solutions for Banks.

William Shepherd  |  Partner
Holland & Knight

William Shepherd is a trial lawyer who defends individuals and corporations in state and federal government investigations and grand jury investigations. He also assists the general counsel of public and private companies in conducting sensitive internal inquiries. Mr. Shepherd's extensive trial practice background also serves to support his practice in complex civil litigation involving fraud and the False Claims Act. Prior to joining the firm, Mr. Shepherd served, at the appointment of the attorney general, as the statewide prosecutor of Florida and earlier in his career, as a prosecutor in Miami, Florida.