Michelle N. Martin, CAMS, ACA
Co-chairperson
Banco Do Brasil

Ms. Martin is a Compliance Officer with Banco Do Brasil. She began her career in public accounting as an Auditor with KPMG, LLP for two years then moved on to Ernst & Young LLP. In 2004 she transitioned to the private sector as a Franchise Auditor within the Internal Audit department at the Burger King Corporation then moved into the insurance industry by joining Assurant, Inc as an Internal Audit Manager in mid 2005. In 2007 Ms. Martin worked as an Assistant Vice President & AML/BSA Project Manager at Ocean Bank headquarters. She received her Masters in Accounting Information Systems at Florida International University (FIU) in 2002. Her Bachelor's in Accounting was also attained at FIU in 2000.

e-mail: aml@michellenmartin.com

Mr. Nunez-Vivas is a Partner at the Miami-based law firm of Ferrell Law. He graduated from the University of California at Berkeley in 1991 with the highest honors in Economics. He then spent two years studying Economics at the Universidad de Santiago de Compostela in Galicia, Spain and graduated from Cornell Law School in Ithaca, New York. Since graduating from law school, he has practiced in the field of international asset recovery and complex fraud. His practice has expanded to include anti-money laundering/bank secrecy act compliance, negotiating and structuring bank relationship agreements for clients, and the creation and implementation of internal controls. In 2001, he was elected to the Board of Directors of the Dade County Bar Association, Young Lawyers Section. He was awarded the Past President’s Award for his working paper entitled “Review of civil and criminal provisions relating to insider dealing”, presented at the 2006 Annual Congress of the International Association of Young Lawyers in Geneva, Switzerland. And, he co-authored with Mr. Milton M. Ferrell, Jr. “Your company’s ethics code: go for the spirit”, in Directors & Boards, fall 2003. He is also a member of the Florida bar; the Commercial Fraud and Compliance Commission of the International Association of Young Lawyers; and the International Litigation and Arbitration Committee of the Florida Bar.

Mr. Foodman is a partner at Ferrell Law, P.A. He completed his undergraduate studies in accounting at American University in Washington DC, and received both his law degree and masters in taxation from the University of Miami. He is a certified public accountant, a certified anti-money laundering specialist, a certified fraud examiner, and a former prosecutor. Mr. Foodman has prosecuted and defended economic crimes including money laundering, assisted with the creation of internal controls and the implementation of compliance programs, and negotiated and structured bank relationship agreements for clients. He is one of the youngest attorneys to be designated the highest Martindale-Hubbell rating, “AV.” The publication Martindale-Hubbell Law Directory ranks United States lawyers. He is a member of the Florida bar; the Association of Certified Fraud Examiners; the Dade County Bar Association; the American Bar Association; the Business and Trial Lawyers Sections of the Florida bar; and the Florida Institute of Certified Public Accountants.

Mr. Delzoppo joined Community Bank of Florida in 2006 as BSA/AML Officer. He is responsible for managing the bank’s corporate-wide anti-money laundering and anti-terrorist financing programs, as well as leading and coordinating all compliance efforts. Previously, he supervised AML monitoring of international wire transfer activities as Chief Compliance Officer of MoneyExpress Financial Corp., a US financial institution with subsidiaries in Portugal, Spain and the UK. Prior to joining MoneyExpress, he worked as Chief Compliance Officer at Girosol Corp., a money services business operating in 35 US states and 42 countries. He has developed compliance manuals, training manuals and videos, trained employees on BSA/AML subjects, implemented monitoring software and interfaced state and federal examiners in numerous examinations. He has a LLM from the University Of Miami School Of Law, a law degree from Italy and speaks five languages.

Ms. Aravuori has been with the State of Florida’s Office of Financial Regulation (“Office”) for the past nine years. While with the Office she has served in various capacities within the Division of Finance with her most recent assignment as a Financial Specialist with the Bureau of Money Transmitter Regulation. In her current capacity she performs complex examinations of all entities regulated by Chapter 560, Florida Statute (The Money Transmitters’ Code) with an emphasis on BSA/AML Compliance. Prior to joining the Office in 1999, Ms. Aravuori worked for more than 20 years in the Funeral and Cemetery industry in the areas of Internal Audit and Trust Compliance. She has received extensive training in the areas of Anti-Money Laundering and Anti-Terrorist Financing and is a graduate of the University of New Hampshire.

Ms. Benson is a regulatory attorney in the Miami office of Jorden Burt LLP. Her practice focuses on securities and insurance law, and she is the firm's resource on anti-money laundering compliance matters. She received her Juris Doctor degree (magna cum laude) from the George Washington University Law School in 2002. She received her Bachelor of Science degrees in Political Science and International Relations (summa cum laude) from Syracuse University in 1999.

Mr. Cruz-Bustillo is a partner at Diaz, Reus, Rolff & Targ LLP, where he concentrates his practice in international and domestic litigation and arbitration, involving complex business disputes, negotiation and drafting of commercial agreements, financial services, bank secrecy act and anti-money laundering compliance. Mr. Cruz-Bustillo has broad experience in the substantive fields of banking/anti-money laundering, telecommunications, construction, real estate and election law. While actively engaged in a variety of litigation matters at DRRT, Mr. Cruz-Bustillo continues his commitment to public service and currently serves with distinction as Chairman of the Florida Elections Commission.

Mr. Briggs is an attorney at Cohen Fox, P.A. and his practice includes commercial litigation, real estate litigation, anti-money laundering compliance, and family law. Before entering private practice in 1998, he served for four years as an Army Intelligence officer, during which time he received training in counter-terrorism and anti-money laundering, and traveled extensively throughout Central and South America working with diplomatic officials. In 2003, he spoke in Panama on the “Prosecution of Professionals under the Patriot Act” at the Seventh Hemispheric Conference for the Prevention of Money Laundering, and in 2007, he published an article in ACAMS Today entitled “Compliance from the other side: Helping the Customer.” He has represented a Money Services Business and assisted with the creation of internal controls for another institutional customer to enhance the customer’s banking experience. He is a member of the Trial Lawyers and International Law Sections of the Florida Bar, and serves on the Executive Committee of the Board of Directors of the Drug Free Youth in Town. He completed his undergraduate studies at Princeton University, and received his law degree from the University of Florida. He later obtained a Masters in Interamerican Law from the University of Miami.

Mr. Xiques is the Corporate Security Officer and Head of Operations Review at Republic Federal Bank in Miami, Florida. After graduating from Florida State University with a double major in Finance and Management Information Systems, he began working as a programmer. Shortly thereafter, he became a customer support specialist with Experian Anti Money Laundering and Fraud Solutions, formerly Americas Software. Once he mastered customer support, he was promoted to Project Management and began traveling around the globe implementing different AML programs at institutions worldwide. Seeking a different perspective in the financial services industry, he pursued a position as a Compliance Officer at Pinebank. He fine-tuned the bank’s AML application platform, with a focus on transaction monitoring, risk rating and Know Your Customer applications. He transferred these skills to Republic Federal Bank where he optimized the bank’s AML application platform and played a significant role as a member of the bank’s core system conversion team.

Ms. Ugas has over 7 years of experience in BSA/AML. She is a native of Caracas, Venezuela where she obtained a Juris Doctorate from Universidad Catolica Andres Bello. In 2000, she graduated Magna Cum Laude from Northwood University located in West Palm Beach, Florida where she obtained a Bachelors degree in Business Administration with a double major in International Business and Management. She is fluent in both English and Spanish, speaks French and Italian and is currently learning Portuguese. Her professional experience includes an internship in Diego Cisneros Organization, in Caracas, at the vice-presidency of the legal corporate division of Venevision (largest privately owned TV channel); whereas once in the US, she started working for Mercantil Commercebank NA (formerly known as Commercebank NA) where she began as liaison between Personal Banking International and Compliance Departments and shortly ascended to the position of BSA Analyst. At BAC Florida Bank she became an AVP BSA Analyst. Currently she works at Ocean Bank as an Officer BSA Analyst II.

Mr. Rodrigues is a Director in The Litigation Support practice of Morrison, Brown, Argiz & Farra LLP. He has over 13 years of practice providing advisory services including anti-money laundering investigations, regulatory compliance services, financial due diligence, complex accounting and fraud investigations and FCPA violations. He is a certified public accountant and a certified anti-money laundering specialist. He has managed or participated in numerous matters in the U.S., Argentina, Brazil, Chile, Costa Rica, Ecuador, El Salvador, Guatemala, Mexico, Panama, Uruguay, Venezuela and the Caribbean. He has served myriad Fortune level clients in banking and manufacturing. He is fluent in English, Spanish, Portuguese and Dutch.

Mr. Gonzalez is a Partner at Diaz, Reus, Rolff & Targ, LLP where he focuses his litigation practice on appellate matters and complex litigation with an emphasis on international disputes and white collar criminal defense. His clients include individuals, multinational corporations, and government entities. Mr. Gonzalez’s recent matters include the successful defense of an individual charged with a violation of a Florida criminal statute before the Florida Supreme Court, the ongoing representation of a foreign sports league in an arbitration involving allegations of breach of contract, and a major U.S. office equipment manufacturer in an international contract dispute. Mr. Gonzalez is actively involved in various professional organizations, including the American Bar Association, Dade County Bar Association, and Cuban American Bar Association. He currently serves as vice-chair of the Dade County Bar Association’s International Law Committee and is a co-editor of the Florida Bar’s International Law Quarterly.