Welcome to the CENTEX ACAMS Chapter web page! This new Chapter was founded in April 2011 by an Executive Board composed of professionals from the AML field active in the Central Texas Area.

The Chapter’s role is to assist the international association in its mission to advance the professional knowledge, skills and experience of those dedicated to the detection and prevention of money laundering.

One of the Chapter’s goals is to promote ACAMS as a platform for career development and professional networking for individuals. In addition, the Chapter will be a resource for financial institutions and related businesses to identify specialists in the rapidly expanding anti-money laundering field by organizing meetings and events of local interest for members and non-members.

We’ll have a variety of events, so all members can benefit. So if you haven’t joined, don’t wait…its easy and inexpensive.

Government discounts available for chapter membership.

Upcoming Central Texas Chapter learning events will be announced soon.

José Treviño Morales and the Los Zetas horse-racing money laundering trial

On June 12th, 2012, a multi-agency federal taskforce raided horse ranches in Texas, Oklahoma, California, and New Mexico belonging to José Treviño Morales, brother of Omar and Miguel Treviño Morales (former leaders of the notoriously violent Los Zetas drug cartel). José Treviño Morales was arrested and accused of running a multi-million-dollar money laundering empire for Los Zetas using the horse racing & horse breeding industries.

The ensuing court case and trial became one of the biggest cartel money laundering trials in recent history. On September 5th, 2013, José Treviño Morales was found guilty of the charges in a federal court in Austin, and sentenced to 20 years.

Our guest speaker from the IRS was directly involved in the investigation, and will give expert insight into the case.

Fiserv, the event sponsor, brings to this discussion a perspective on using analytics in battling money laundering and fraud. Andrew Davies discusses the three dimensions of AML risk and how analytics can be used to better understand and deal with customer risk, transaction monitoring trends and to refine alert thresholds to reduce false positives.

Speakers

  • Michael Fernald, Special Agent, IRS Criminal Investigations
  • Andrew Davies, VP Global Marketing Strategy, Financial Crimes Risk Management

Sponsored by Fiserv, a global leader in financial services technology.


The Panama Papers, Beneficial Ownership and Politically Exposed Persons (PEPs)

The recently leaked documents from Panamanian law firm Mossack Fonesca has created urgency for world leaders and lawmakers to address the use of shell corporations for illegal purposes. This event was enough for the nearly five year old proposed rule by FinCEN on beneficial ownership to become final. The Panama Papers illustrate how wealthy individuals, including politically exposed persons, are able to keep the source of their wealth a mystery. Our speaker is the Legal Counsel & Director of Government Affairs for Global Financial Integrity. She will give expert insight into these fascinating topic.

Speaker

Heather Lowe – Legal Counsel & Director of Government Affairs for Global Financial Integrity


Domestic Terror, Bank Fraud, and the Growing “Sovereign Citizen” Movement


Concerning Trends in Cyber-crimes and Prevention through Cyber-security


Virtual Currency, is it here to stay? Where does AML go from here?

Download Presentation


The ACAMS Central Texas Chapter Board invites you to attend our next networking event of 2015


Human Trafficking: What It Is and How Can We Help Combat It?


ACAMS Centex Chapter Learning Event: Current Trends in AML: Ready for 2015?


So What Makes a GREAT SAR?


ACAMS Centex Chapter Learning Event: Multi-industry perspective on AML/BSA Risk Assessments in light of recent actions


ACAMS Centex Chapter Learning Event: Financial Crime Trends in Central Texas


ACAMS Centex Chapter Learning Event: Virtual Currency


USA Patriot Act: Then and Now


Payment Systems Risk


Prepaid Debit Cards


Human Trafficking – Red Flags for the Financial Industry

Holly Sais

Holly Sais
Co-Chair
Veri-Site

Holly Sais is Vice President of Global Operations for Veri-Site headquartered in Austin, Texas.

Veri-Site is the global leader in provisioning risk-relevant intelligence regarding rogue websites, intellectual property theft, cybercrime, web-enabled transnational organized crime, and sanctioned entities operating online.

Holly Sais joined Veri-Site at inception, as Vice President of Global Operations, Holly has over 17 plus years experience in data compliance and risk management solutions. Holly is responsible for day-to-day oversight of Veri-Sites research operations globally, systems, operational finances, sales activity and partnerships. Prior to Veri-Site, Holly was the Global Director of Account Management and Client Services for World-Check a Thomson Reuters business. During her time at World-Check / Thomson Reuters Holly not only managed the global Account Management Teams and all of the Client Services teams globally she also personally managed several top banks around the globe and engaged directly with their Anti-Money Laundering (AML) compliance teams and the heads of AML compliance. Holly worked to ensure they had the data and system necessary to meet heir current compliance guidelines and were ready to adapt quickly to any changes within the compliance eco-system using a risk based approach.

Email: holly.sais@veri-site.com


Mitch Lincoln

Mitch Lincoln
Co-Chair
USAA

Mitch Lincoln is a Senior Governance Advisor for USAA in San Antonio, TX where he has worked in several capacities for the past 16 years. Mitch currently serves as Senior Governance Advisor where he is responsible for conducting Governance, Risk and Compliance functions for USAA’s Enterprise Financial Crimes department. His responsibilities include oversight of USAA’s Identity Theft Prevention and Internal Fraud Programs. Prior to his current role, Mitch was an integral part of USAA’s Fraud and AML Investigations team for over 12 years serving at one time as an Investigator then later in a Manager role. As an Investigator, he was responsible for conducting due diligence investigations related to fraud and AML allegations. As Investigations Manager, Mitch’s responsibilities included oversight of Fraud and AML Investigators, oversight of the Suspicious Activity Reporting program, and primary point of contact for all related audits and exams for the Investigations teams. He has over 15 years banking experience. Mitch earned a bachelor’s degree in Criminal Justice from University of Texas at San Antonio. He has obtained his Certified Anti-Money Laundering Specialist (CAMS) designation from the Association of Certified Anti-Money Laundering Specialists and is a Certified Fraud Examiner (CFE) as a member of the Association of Certified Fraud Examiners.

Email: mitchell.lincoln@usaa.com


Cary Porter

Cary Porter
Communications Co-Chair
Thomson Reuters

Cary Porter, Customer Development Manager in the Governance Risk and Compliance division at Thomson Reuters, the world’s leading source of intelligent information for businesses and professionals. Thomson Reuters Accelus provides technologies and solutions that enable firms to manage business risk and drive business value. Combining industry expertise with innovative technology to deliver critical information to leading decision makers, she ensures customers understand the changing regulations and the potential risks and business impacts.

Cary has more than 12 years experience servicing customers in the banking industry. Prior to joining Thomson Reuters in December 2011, she was eLearning Advisor, at Sheshunoff Information Services, where she was responsible for implementing eLearning compliance courses for banks and credit unions. Prior to Sheshunoff, Cary was a Business Information Consultant at Hoover’s Inc, a Dunn & Bradstreet company. Cary earned a BAIS in International Relations with a business concentration from Texas State University.

Email: cary.porter@thomsonreuters.com


Tom Firnhaber

Tom Firnhaber
Membership Co-Chair
Stonebridge Partners, LLC

Thomas Firnhaber is President/CEO and founder of Stonebridge Partners, LLC, a leading-edge risk and compliance consultancy with significant experience building effective risk, compliance, internal control and AML programs.

Throughout the course of his 20+ year career in the financial services industry, he has worked for top-tier financial service companies, management consulting firms, and emerging payment companies such as American Express, KPMG and NetSpend. He served as an analyst and regulator for the U.S. Department of Treasury, Financial Crimes Enforcement Network (FinCEN), having an extensive knowledge of AML/CFT and regulatory risks in traditional and emerging payments industries.

Email: firnhaber@stonebridgepartners.us


Terry Luttrell

Terry Luttrell
Program Director
Banker’s Toolbox, Inc.

Terri Luttrell is a seasoned AML professional with over 25 years in the banking industry in both medium and large community and commercial banks, most recently within the BSA/AML field. Since joining Banker’s Toolbox in 2012, Terri has used her extensive knowledge of BSA/AML regulations to successfully work with institutions in implementing suspicious activity monitoring programs and various automated solutions, and streamlining processes while ensuring all regulatory requirements are met. She conducts remote and onsite consulting and education services including system calibration, risk assessments, program evaluations, and data evaluations. In addition, she facilitates an on-site, hands on BSA Academy which is held several times each year. Terri holds a BBA in Finance from the University of North Texas, and is a Certified Anti-Money Laundering Specialist (CAMS).

Email: terril@bankerstoolbox.com


Jeremy Sorenson

Jeremy Sorenson
Program Co-Director
USAA

Jeremy Sorenson has been the Senior Financial Crimes Governance Advisor at USAA in San Antonio, TX since June 15, 2015. As the Senior Financial Crimes Governance Advisor at USAA he is responsible for policy and program updates, quality review, and strategy and analytics. Previously he was the Anti-Corruption Lead for Global Financial Crimes Compliance Testing at JPMorgan Chase in San Antonio, TX where he worked in various roles. As the Anti-Corruption Lead for GFCC Testing he was responsible for conducting compliance reviews of controls in place across all lines of businesses globally that mitigate the risk of bribery and corruption. Prior, Jeremy managed a team responsible for sensitive AML Investigations (NSLs, terrorist financing, PEPs, etc). He was responsible for reviewing completed investigations for submission to FinCEN. His responsibilities also included oversight and contribution to the overall AML program. He has over 17 years of banking experience. Jeremy earned a bachelor’s degree in Homeland Security from University of Maryland University College and his Juris Doctorate from Saint Mary’s University. He became a licensed Texas attorney in May 2014 and is also a Certified Anti-Money Laundering Specialist.

Email: jeremy.sorenson@usaa.com


Ibelise Acosta

Ibelise Acosta
Program Co-Director
NetSpend, Inc.

Ibelise Acosta is an AML Compliance Specialist at NetSpend Corporation headquartered in Austin, Texas.

NetSpend Corporation is one of the leading providers of reloadable prepaid debit cards in the United States. A pioneer in the industry since its inception in 1999, NetSpend prepaid debit cards give financial freedom and convenience to the more than 100 million under-banked consumers in the United States. NetSpend is the only company in the prepaid debit industry to offer an end-to-end solution for consumers and merchants with a proprietary processing platform, card fulfillment, customer service and risk management capabilities.

Ibelise joined the company in September of 2014 and as an AML Compliance Specialist, Ibelise is responsible for BSA compliance, transaction monitoring and regulatory reporting. Prior to working at NetSpend, Ibelise work as a Teller Officer for Security Service Federal Credit Union, and contract work with Chase as a Compliance Analyst completing OFAC screening.

Ibelise earned her Bachelor’s of Arts in Criminal Justice from the University of Texas at San Antonio and is working towards certification from ACAMS as a Certified Anti-Money Laundering Specialist.

Email: iacosta@netspend.com


Kathy Rossi-Allen

Kathy Rossi-Allen
Secretary
NetSpend, Inc.

Kathy Rossi-Allen is an Anti-Money Laundering Investigator within the Compliance Dept. of the Netspend Corporation.

NetSpend Corporation is one of the leading providers of reloadable prepaid debit cards in the United States. A pioneer in the industry since its inception in 1999, NetSpend prepaid debit cards give financial freedom and convenience to the more than 100 million under-banked consumers in the United States. NetSpend is the only company in the prepaid debit industry to offer an end-to-end solution for consumers and merchants with a proprietary processing platform, card fulfillment, customer service and risk management capabilities.

Kathy’s responsibilities include BSA compliance, transaction monitoring, and regulatory reporting. Kathy has also been instrumental in creating and modifying procedures for NetSpend’s Enhanced Due Diligence program and high risk account review.

Prior to joining NetSpend in June of 2014, Kathy came from an underwriting background in Commercial Insurance, specifically Professional Liability and Physicians Professional Liability. Kathy has 16 years of experience within the commercial insurance industry and is licensed in the State of Texas as an Insurance Risk Manager as well as General Insurance Agent, Claims Adjuster and Excess Surplus Lines Agent.

Kathy earned a Bachelor’s of Fine Arts degree in film from Columbia College of Chicago. Kathy is currently working towards certification from ACAMS as a Certified Anti-Money Laundering Specialist.

Email: krossi@netspend.com


Vicki Landon

Vicki Landon, FLMI, CAMS
Co-Secretary
Landon Associates, Inc.

Vicki Landon is the President of Landon Associates, Inc., a leading expert on AML regulations and best practices for insurers, and is a frequent speaker on the topics. She provides anti-money laundering (AML), anti-fraud, and sanctions program services to insurers, broker-dealers, and money services businesses (MSBs).

Recent engagements have included conducting independent AML reviews and risk assessments for leading and boutique insurance companies and MSBs, and creating AML programs for insurers and MSBs. She has also used business intelligence techniques to select and justify alert thresholds for transaction monitoring systems.

She has focused on AML for 10 years and leverages 20 years in insurance, insurance process re-engineering, insurance data management, business architecture, insurance transaction systems, and training in the US and internationally.

Prior to establishing Landon Associates in 2009, Vicki served as VP – Services for Aquilan Group, providing AML transaction monitoring software and services to insurers and securities firms. As Principal and Business Development Director at IBM, Vicki provided Insurance Application Architecture (IAA, the leading insurance business architecture), master data management, and training to insurers internationally. With CSC, Vicki delivered insurance applications, automated workflow solutions, client management solutions, business process reengineering (BPM), and training programs in the US, Canada, Europe, Asia and Australia.

Ms. Landon has earned professional degrees including Certified Anti-Money Laundering Specialist (CAMS), Certified Financial Crime Specialist (CFCS), and a Fellow, Life Management Institute (FLMI). She has presented on AML topics at conferences of the American Council of Life Insurers (ACLI), the Central Texas Chapter of the Association of Anti-Money Laundering Specialists (ACAMS), and the Dallas Area Compliance Association (DACA). Ms. Landon has also presented international webinars on insurance AML and fraud for Association of Certified Anti-Money Laundering Specialists (ACAMS), AML Services International and the CSC Compliance Community. She recently co-founded and co-chairs the Central Texas chapter of ACAMS, and has served on the boards of several charitable and service organizations.

Email: vicki@vickilandon.com


Claudia Wilkins
Membership Director
JPMorgan Chase

Claudia Wilkins is CAMS certified and serves as a Team Lead/Compliance Officer at JP Morgan Chase in San Antonio. Claudia has over eight years of experience in AML Compliance and Fraud, the majority of that time has come while being employed at JPMorgan Chase (JPM). During this time her duties ranged from initial intake of AML alert referrals, point of contact for Global Compliance for JPM’s various Lines of Businesses, investigations consisting of various typologies from Ponzi schemes to High Risk Auto Exporting to Human Trafficking, SAR filing as well as responsibilities in system testing and analytics. She currently supervises a team of investigators responsible for SAR reviewing and reporting to FinCEN.


Jason Zirkle, CAMS
Communications Chair
Texas Department of Public Safety

Jason Zirkle has been an intelligence analyst for almost fifteen years, most recently with the Texas Department of Public Safety, since 2012. At DPS, he works alongside Texas Rangers and DPS Special Agents, providing investigative support and financial analysis on major financial crime investigations, including fraud, money laundering, embezzling, identity theft, terrorist financing, white-collar crime, public corruption, and illegal gambling. Jason has worked on some of the highest-profile DPS criminal investigations in recent years. He also provides financial expertise to non-financial criminal cases, such as murder investigations, narcotics, and human smuggling & trafficking.

Jason is the FinCEN Agency Coordinator for Texas DPS, and conducts training within DPS on FinCEN and financial crime. His duties also include staying up-to-date on the latest money laundering and illicit finance trends, and communicating trends to senior DPS personnel. He also works directly with multiple federal law enforcement agencies, including FBI, IRS, DEA, DHS, USSS, ATF, ICE, HSI, CBP, Border Patrol, and USPS.

Jason is a Certified Crime Analyst and a Certified Anti-Money Laundering Specialist (CAMS). He received his B.S. in Criminal Justice from Texas State University. Prior to DPS, he was an Army intelligence analyst, with combat deployments to Iraq and Kosovo.

Email: jason.zirkle@dps.texas.gov