Welcome to the ACAMS Central Florida Chapter web site. This chapter will launch in January 2012 and has been founded by an Executive Board comprised of anti-money laundering professionals drawn from financial institutions, regulatory agencies and the private sector throughout Central Florida.

The ACAMS Central Florida Chapter's objective is to become an effective and productive resource for financial institutions and related industries in the areas of career development, educational growth and professional networking. This will be achieved by organizing meetings and instructional events featuring subject matter experts in anti-money laundering and fraud detection from the private sector, supervisory and regulatory agencies and law enforcement. ACAMS Central Florida Chapter members are highly encouraged to add their voice, experience and expertise to promote, expand and improve the local anti-money laundering community.

We look forward to having you as a member of the ACAMS Central Florida Chapter and to seeing you at our inaugural event.

Kathalin Carvalho, LL.M. CAMS
Compliance Professional
Co-Chair (Tampa)

Kathalin has over 10 years of experience working in the areas of BSA/AML, OFAC, regulatory compliance and criminal investigations with governmental and non-governmental domestic and international financial institutions. She is a Certified Anti-Money Laundering Specialists (CAMS) and fluent in both English and Spanish, and speaks Portuguese. Kathalin worked as the Surveillance Manager for the Depository Trust and Clearing Corporation (DTCC) responsible for managing surveillance functions in support of the maintenance, development and implementation of the company’s Employee Trade Monitoring program. From 2005 to 2010, Kathalin worked at Banco Do Brasil and Citigroup in the areas of Global AML Operations and Monitoring, Terrorist Financing, Regulatory Compliance, Customer Enhanced Due Diligence (KYC/CIP/EDD), USA PATRIOT ACT, and Risk. She was also responsible for implementing a Compliance Program for BB Money Transfers operations in the U.S. and Brazil in addition to supporting Banco Do Brasil’s New York, Orlando and Miami Offices and liaise with State and Federal regulatory authorities to fulfill the Bank’s regulatory efforts. Kathalin is native of Maracaibo, Venezuela where she obtained a Law degree from the Universidad del Zulia. In 2001, she attained a Master Degree in Criminology from The University of South Florida, and she holds a Master of Laws International Law and Business (LL.M.) from Stetson University College of Law in Florida.

e-mail: tekawuita@gmail.com

Jody Schmidt, CRCM CAMS, CCBSO
CenterState Bank of Florida, N.A.
Co-Chair

Jody Schmidt is the Chief BSA Officer for CenterState Bank of Florida, N.A. headquartered in Winter Haven, Florida. In this role, Jody leads CenterState Bank’s enterprise BSA/AML Program. Prior to her employment with CenterState Bank, Ms. Schmidt served as the Director of Regulatory Risk Management for Federal Trust Bank in Sanford, Florida. Ms. Schmidt was responsible for the bank’s BSA/AML, Regulatory Compliance, Security, Audit and CRA/HMDA/Fair Lending Programs. Prior to joining Federal Trust Bank in 1992, Ms. Schmidt spent thirteen years with First Federal Savings and Loan Association of Seminole County, where she was responsible for the Bank’s BSA, Compliance and Security Programs. During her career at First Federal of Seminole, Ms. Schmidt also served as an adjunct instructor for Valencia Community College, teaching a variety of banking classes to employees of financial institutions throughout the Central Florida area. Ms. Schmidt is a Past President of the Board of Directors of the Debary Chamber of Commerce, a past First Vice President of the Board of Directors of the Central Florida Chapter of the Institute of Financial Education and currently serves as the President of the Board of Directors of the Seminole County Meals on Wheels Agency.

Ms. Schmidt is a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) and is a recipient of the Certified Anti-Money Laundering Specialist (CAMS) designation. Ms. Schmidt is a member of The Anti Money Laundering Association, the Central Florida Compliance Association and also holds the ABA’s Certified Regulatory Compliance Manager and the ICBA’s Certified Community Bank Security Officer designations. Ms. Schmidt has been a guest speaker at the International Ant-Money Laundering Conference.

e-mail: jschmidt@centerstatebank.com

Erin Wilson
Citi
Communication Director

Erin Wilson is currently employed by Citi as a Retail Bank AML Analyst. Her duties include, but are not limited to, conducting research utilizing internal and external public and private databases to compile information, perform analysis of customer accounts, and prepare Suspicious Activity Reports for regulatory filing. Before working at Citi, Erin worked as an AML Investigator at Capital One in Richmond, Virginia from 2008-2011. She managed list screening (economic sanctions lists - OFAC, OSFI), 314(a), PEPs, Hot List and others activity case work, performed detailed investigations, summarized alerts for advanced investigation and research, escalated cases and issues as appropriate, assisted with the filing of blocked property reports and 314(a) responses in accordance with regulations, and managed AML training programs for all AML associates. From 2006-2008 Erin worked in the Credit/Margin department at Wachovia Securities. In this role she audited team members to ensure work was completed in a timely and efficient manner, assisted with special projects assigned by senior management, and monitored activity in accounts to ensure compliance with firm, federal, and exchange regulations. Erin received her CAMS certification in December of 2009.

e-mail: erin.wilson@citi.com

Michael Landivar
Banco do Brasil
Co-Communication Director

Michael Landivar obtained his Associate in Arts from Miami Dade College in 1997 and his Bachelors of Business Administration from the University Of Miami in 1999.

After obtaining his Bachelor’s Degree in 1999, Michael worked for Banque Sudameris for almost 3 years - An Italian French Agency located in Miami as a Risk Management Administrator. After leaving Banque Sudameris, he worked in the Real Estate and Finance Industry for almost 3 years. In 2006 Michael Landivar joined BNP Paribas, a French Bank located in Miami where he worked as a Compliance Administrator until 2007. In 2007, he started working at Banco Sabadell-Spanish Bank located in Miami, where he was a Compliance Administrator.

In 2008 Michael moved to Banco Do Brasil - a Brazilian State owned Bank with Branches in Miami and New York. During the first 2 years Michael obtained his AML/CA (Anti-Money Laundering/Certified Associate) and CAMS (Certified Anti-Money Laundering Specialist) designations - 2 of the most well known designations in the Compliance environment.

At the present time, he is the Senior BSA/AML Analyst at Banco Do Brasil where he is in charge of reviewing and analyzing several Client's Transaction Reports, reviewing Corporate Accounts, reviewing and filing CTRs and SARs, sending 314(b) Incoming and Outgoing requests, replying to 314(a) Requests, among other tasks.

Michael is fluent in English and Spanish, and has a working knowledge of Portuguese.

Michael also gives time at his church where he is a volunteer as a Catechist Assistant for Kindergarten kids.

e-mail: michaellandivar@hotmail.com

Max Levine
Pershing Advisor Solutions LLC
Co-Communications Director

I was born and raised in Orlando, Florida and I am a graduate of Florida State University. I started my career in the retail brokerage business at Merrill Lynch in Jacksonville, Florida and subsequently transferred to the Rockefeller Center branch office in New York City. After three years in sales, I joined the Merrill Lynch Anti-Money Laundering Group as an Investigator and served as a point of contact between the Anti-Money Laundering Group and Merrill Lynch branch offices. Two years later, I accepted a position as a Compliance Officer at Pershing Advisor Solutions LLC in Lake Mary, Florida. My responsibilities include conducting anti-money laundering and anti-fraud investigations, as well as monitoring all low-priced security transactions. I currently hold FINRA Series 7 & 66 licenses and I am a CAMS graduate.

e-mail: max.levine@pershing.com

Linda Busby
Raymond James Financial
Membership Director

Linda Busby is the Anti-Money Laundering Officer for Raymond James Financial, Inc. and its subsidiary broker/dealer Raymond James & Associates, Inc. She also is responsible for the firm’s Foreign Corrupt Practices Act compliance.

Ms. Busby joined Raymond James in 1995 and was appointed the Compliance Anti-Money Laundering Officer in 2002. Her previous experience at the firm includes supervision of Treasury and Cash Management functions, including funds transfers, deposits, and cash management and investment. She began her work at Raymond James as an accountant in Financial Reporting.

She earned a Masters of Science in Accountancy from Bentley College, Waltham, MA and is a Certified Public Accountant. She completed her undergraduate degree in the sciences from Rhode Island College and studied at the graduate level at Vanderbilt University. An active member of the Securities Industry and Financial Markets Association (SIFMA) AML Committee since 2001, she participates in other industry AML groups and served as President and Chief Information Officer of the Tampa Bay Association for Financial Professionals.

e-mail: linda.busby@raymondjames.com

Thomas Abraham
Office of the Comptroller of the Currency
Co-Membership Director

Tom is a National Bank Examiner for the Office of the Comptroller of Currency. He has been in this role for 19 years. Primarily a safety and soundness examiner with emphasis in BSA/AML and IT bank examinations. Tom is CAMS and CISA certified and has performed several BSA examinations at Community and Mid-Size banks in Florida. Tom works out of the Tampa Field Office.

e-mail: Thomas.abraham@occ.treas.gov

Matthew Houghton
The Depository & Trust Clearing Corporation
Programing Director

Mat Houghton was hired in February of2011 at The Depository Trust & Clearing Corporation (DTCC) as an AML/KYC Specialist where his duties involved Quality Assurance reviews and management of Adverse News evaluations and OFAC checks. Before being hired at DTCC, Mat worked as an Investigative Analyst with Citigroup NA., where he was responsible for transaction monitoring of customer and business accounts, and initial SAR recommendations. Prior to his role at Citigroup NA, Mat served as an associate with Christian & Associates, P.A., which included research and analysis into areas of Criminal and Immigration law, drafting briefs before State and Federal Appellate courts, preparation and filing of Immigration Forms and office management. Mat earned a Juris Doctorate from The Maurer School of Law at Indiana University. He is a member of the Florida Bar, and is taking his Certified Anti-Money Laundering Specialist (CAMS), a certification from the Association of Certified Anti-Money Laundering Specialists (ACAMS), exam at the end of September. He practices kendo and aikido, is an avid reader and has a surprisingly vast array of useless knowledge.

e-mail: mhoughton@dtcc.com

Matthew Patterson
The Depository & Trust Clearing Corporation
Co-Programming Director

Matt Patterson, an AML/KYC Specialist at DTCC via The CSI Companies, was hired in January 2011 to conduct KYC reviews of existing customers in support of the company’s continued focus on mitigating AML risks. Before joining DTCC, Matt worked at Citi as a Senior Compliance Analyst where he was recognized for being one of the original pillars of Citi’s Financial Intelligence Unit. In this capacity, Patterson was part of an extended project to remediate program deficiencies in its Institutional Clients Group, whose clients include global correspondent banks, NPOs and large, high net worth corporates, while coordinating the day-to-day functions of KYC maintenance for several lines of business. Before taking on the Senior Compliance Analyst role, Matt worked in Citi Security and Investigative Services (CSIS) as an investigator in their AML/Due Diligence department. He was responsible for conducting expert due diligence investigations on large multinationals, ultra high net worth clients and other entities which were utilized to facilitate high level business decisions (i.e. IPOs, Mergers and Acquisitions, etc.) While at Citi, Patterson organized two networking events centered on white collar crime with presenters from the FBI and local law enforcement. He also gave a presentation to the National Insurance Crime Bureau (NICB) on money laundering in the insurance arena. Matt’s pre-Citi employment includes stints at both USAA and Mercury Insurance Group as a Special Investigations Unit (SIU) Investigator/Analyst where he reviewed insurance claims for fraud, provided training for claims reps and supported the company’s goals of identifying and reducing risk. Matt has 5 years of banking experience and 6 years of insurance industry experience. Patterson earned a Bachelor of Science in Biology from Florida State University with a minor in Mathematics, Physics and Chemistry. He is a Certified Anti-Money Laundering Specialist (CAMS), a certification from the Association of Certified Anti-Money Laundering Specialists (ACAMS). He is a father of two and an avid basketball player.

e-mail: mpatterson1@dtcc.com

Olga Bolet
Citi
Secretary

Olga has over 25 years of financial services experience with Citi (Citigroup). In her present role as Quality Assurance Manager, within the Audit & Risk Review (ARR) department, she is responsible to evaluate internal audit reviews' adherence to IIA standards, corporate audit methodology and adequacy of AML/Compliance related coverage. Prior to her tenure in ARR, she has held various positions involving project management, banking operations, anti-money laundering/regulatory compliance and also served as co-Chair of the Citi Women's Network - Tampa for two consecutive terms. In addition to the dedication and achievements at Citi, Olga is committed to her family and highly active in the community. She is unquestionably reliable and a people-person who builds strong relationships in every area of commitment. Olga has a BA in Business Administration (Eckerd College),M.S. in Organizational Management (University of Phoenix) and active member of Association of Certified Anti-Money Laundering Specialists, Institute of Internal Auditors, and Association of Certified Fraud Examiners.

e-mail: olga.bolet@citi.com

Diane Blangsted
Independent Bankers Bank
Co-Secretary

Diane is currently the Senior Vice President/ BSA and Senior Compliance Officer at Independent Bankers Bank, a $280 million correspondent bank for community banks. Since joining IBB in 2001, Diane has been responsible for several projects including; the development and implementation of a comprehensive AML Program. One of the challenges Diane faced when developing IBB’s AML Program is how to monitor transactions as an intermediary bank without direct knowledge of the originator or beneficiary. She is responsible for the BSA and anti-money laundering program as well as leading and coordinating the compliance efforts for the bank.

Diane started her banking career with Bank of America in 1981and has experience in Branch Administration, International Banking, Internal Audit, Internal Control, Compliance, Operations, and Project Management. At Bank of America, Diane gained experience in BSA as an internal auditor and later as manager of Internal Control for the Domestic Wholesale Banking Division.

Diane is a Certified Anti-Money Laundering Specialist and Certified Treasury Professional. She has a BS in Business Administration from California State University and graduated from the Pacific Coast Banking School.

e-mail: diane.blangsted@ibbfla.com

Milton De Francisco
Citi
Treasurer

Milton de Francisco is an AVP/AML-Operation Support Manager at Citi Bank NA a multinational financial corporation and the world’s largest financial services network with presence on approximately more than 140 countries. Mr. de Francisco is responsible for all aspects of the daily operations and management of an AML investigative team. The team is comprised of 10-15 investigative analysts. He is the team's main focal point for achieve results, and responsible for establishing short and long-term goals, developing training, operational, and business plans at the execution or tactical level, and developing team members for ever-increasing positions of responsibility within Citi. He serves as the subject matter expert in AML investigative efforts, regulatory requirements at the operational level, and internal processes designed to optimize investigative performance. He is also the primary liaison with the Quality Assurance Team to optimize analyst performance and risk mitigation.

Before joining Citi, Mr. de Francisco worked as Compliance Administrator for Caixa de Aforros de Vigo, Ourense e Pontevedra Miami Branch (Caixanova) a Spanish saving bank. At Caixanova, he supported the development and implementation of policies and procedures. Other functions were, but not limited to, managing and maintaining the use of database in order to ensure adherence to regulatory and compliance requirements, performing Enhanced Due Diligence reviews for customers opening new accounts, reviewing customer database and account information and analyzing compiled data to determine risks associated with the banking relationship, following up with lines of business and other departments on outstanding information requests and interacting with other units, other members and management regarding accounts, customers and investigations.

He holds a Master Degree in Business Administration from Nova Southeastern University and the credential of Certified Anti-Money Laundering Specialist (CAMS) since he became member on 2005. He has over 7 years of banking experience and fluent in English and Spanish.

e-mail: Milton.Defrancisco@citi.com

Ravi Nair
PSCU Financial Services, Inc.
Co-Treasurer

Since 2005 Ravi has worked as an Internal Control/Compliance Analyst for PSCU Financial Services Inc., a CUSO, providing back office contact center support and various solutions to major Credit Unions. Facilitated risk based monitoring of applicable, laws and regulations for CUSO /Credit Unions and Financial Institutions. Directed and controlled the development of applicable Internal Compliance policies/related training pertaining to Contact Center and product areas. He managed SAS 70 Type II audit interfacing with internal, external, management and clients. Ensured timely and satisfactorily getting the audit completed and report made available for all Financial Institutions. Proactively monitored and kept abreast of the legal, regulatory and compliance developments applicable to Credit Unions, CUSO and Financial Institutions and effectively communicated and implemented applicable risk mitigated policies. Ravi has been an Associate Member of ACAMS since 2009.

e-mail: RNair@pscufs.com