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
Vice President of Compliance at a Legal Services firm
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

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

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 Incorporated
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@pscu.com