Welcome to the South Florida ACAMS Chapter web page! This new Chapter was founded on November 7, 2007 by an Executive Board composed of professionals from the AML field active in the South Florida region. 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 international money laundering by representing the association to the local members and community. 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.

Upcoming South Florida Chapter learning events will be announced soon.

ACFE and ACAMS South Florida Chapter: 2016 AML/Fraud Conference

As evidenced by record anti-money laundering (AML) fines and increased prosecutions of fraudsters, prosecutors are rigorously applying both AML and fraud statutes. This one day conference addresses current issues in the world of AML and Fraud. Learn core principles of AML and Fraud taught by leading practitioners, consultants, and investigators (both Fraud/AML Subject Matter Experts).


SEC Examination to Enforcement Lifecycle, Cybersecurity & Cuba


Terrorist Financing in 2016 & Beyond

Download the Presentation


The Panama Papers: A discussion on Offshore Tax Havens and Beneficial Ownership

The ACAMS South Florida Chapter would like to cordially invite you to their next learning event entitled “The Panama Papers: A discussion on Offshore Tax Havens and Beneficial Ownership”. During this session, our speakers will cover various topics, such as Offshore Tax Havens and the beneficial ownership challenges they present to financial institutions and law enforcement. This event is being held as a result of the Panama Papers, which details the risks of the world of Offshore Finance which includes the facilitation of bribery, arms deals, tax evasion, financial fraud and drug trafficking.

Speaker

  • John Tobon, Deputy Special Agent in Charge, Homeland Security Investigations – Miami
  • Alcides Avila, Founding Partner, Avila Rodriguez Hernandez Mena Ferri LLP

ACAMS South Florida Chapter Learning Event: Real Estate Geographical Targeting Order

The ACAMS South Florida Chapter will be hosting our first Learning Event of 2016 geared towards the recent Real Estate Geographical Targeting Order (“GTO”) released by Fincen. During this event, we will be discussing the implications of the GTO, which goes into effect on March 1, 2016.

Speaker

John Tobon, Deputy Special Agent-In-Charge for Homeland Security Investigations

Please see links below for more information.
Useful links:


2015 AML/Fraud Conference

As evidenced by record anti-money laundering (AML) fines and increased prosecutions of fraudsters, prosecutors are rigorously applying both AML and fraud statutes. This one day conference addresses current issues in the world of AML and Fraud. Learn core principles of AML and Fraud taught by leading practitioners, consultants, and investigators (both Fraud/AML Subject Matter Experts).

Presentations:

Session 1.1
Navigant
Session 2.1
Dr. Boyce
Session 2.2
Lee Yanero
Session 2.3
Frank Cummings
Session 6.1
Dr. Fleischman

Program:

Regulatory Update

  • Salvatore LaScala, Navigant
  • Marc Benson, Navigant
  • Gregory Moore, Senior National Bank Examiner, OCC

Complex Corporate Structures & CDD

  • Dr. Toussant Boyce, Caribbean Development Bank
  • Lee Yanero, Ocean Bank
  • Frank Cummings, AML Partners

Investigating Ponzi Schemes

  • H. Ron Davidson, Assistant United States Attorney for the South District of Florida
  • Kate Zoladz, Securities and Exchange Commission

South Florida Geographic Targeting Orders

  • William Rondon, Supervisory Special Agent Internal Revenue Service Criminal Investigations
  • Jennifer Kuehl, Special Agent Internal Revenue Service Criminal Investigations
  • John F. Tobon, Assistant Pecial Agent-in-Charge, Financial Investigations Division of Homeland Security

Model Validation / Statistical Analysis

  • Rachel Delgado, Telavance
  • William Goss, Telavance
  • Daniel Haggerty, Federal Reserve

How Fraud & Curruption in Latin America impacts business in South Florida

  • Dr. Luis Fleischman, Menges Security Project

South Florida Chapter Networking event

Join us on Wednesday October 28, 2015 from 6:00 PM to 8:00 PM at Fado Irish Pub for our monthly networking mixer. Meet with ACAMS chapter members and discuss relevant industry issues all while having a good time. The event is open to everyone.


South Florida ACAMS Chapter Learning Event

ACAMS South Florida Chapter’s first learning event geared towards the insurance industry. The event covered various various topics such as the Foreign Corrupt Practices Act, Anti-Bribery, Anti-Money Laundering, Third Party Risk and the Regulatory Environment. The lunch for this event was sponsored by PwC.

Speakers:

Stuart Deming, Principal Deming PLLC

Over many years, Stuart H. Deming has represented foreign and domestic clients in a range of business and investigatory matters focusing on the FCPA and related anti-bribery regimes now being enforced in much of the world. Both an attorney and CPA, prior to entering private practice, he served with the SEC and in various capacities with the U.S. Department of Justice, including as one of the special prosecutors in a highly sensitive investigation of the U.S. Congress. Mr. Deming is the author of Oxford University Press’ recently published Anti-Bribery Laws in Common Law Jurisdictions; the co-author with a leading English barrister of The FCPA and UK Bribery Act: A Ready Reference for Business; and the author of a major best-selling book published by the ABA: The Foreign Corrupt Practices Act and the New International Norms.

Daniel Tannebaum, Director and Global Financial Services Sanctions Leader, PwC

Daniel Tannebaum is a Director in PwC’s Financial Crimes Advisory Practice and the Leader of the Global Financial Services Sanctions Practice. Dan provides regulatory crisis management support to global financial institutions including banks, broker dealers and money services businesses. He also provides strategic AML and Sanctions Compliance Program support during both program creation and remediation.

Susan Galli, Managing Director, Financial Services Advisory, PwC

Susan Galli is considered an AML Subject Matter leader and currently serves as a Managing Director in the Financial Services Advisory Risk and Regulatory area at PricewaterhouseCoopers LLP (“PwC”). She works closely with PwC’s risk and regulatory consulting teams to advise clients on the overall management and performance of their business, with a focus on compliance management, risk and governance. Specifically, Ms. Galli advises clients on matters involving regulatory actions, monitorships, and overall AML/Sanctions strategies.


Networking Event


ACAMS South Florida Chapter Learning Event

  • Enhanced Due Diligence on Foreign Financial Institutions – Learn what the obligations are for financial institutions when conducting enhanced due diligence on correspondent foreign financial institution accounts.
  • Terrorism and Drug Cartels: Their impact on security in the United States and Latin America – We will also be discussing what the geopolitical impact is from Terrorism and Drug Cartels on the security of the United States and Latin America

South Florida Chapter Networking Event


ACAMS and ACFE South Florida Chapter 2014 AML/Fraud Conference


FATCA and LatAm AML Update


ACAMS South Florida Chapter – Happy Hour


Annual Chapter Holiday Party


ACAMS South Florida Chapter – Happy Hour


AML Hot Topics

Richard Xiques

Richard Xiques, CAMS
Chapter Chairman
Citigroup Inc.

Mr. Xiques is a Senior Vice President within Global Sanctions Compliance at Citigroup. His team is responsible for performing the model validation function within the group. His team also provides assistance to other areas of the division including program management, assurance, optimizations and on-boarding.

Prior to joining Citi, Mr. Xiques worked at Ocean Bank, Republic Federal, Credit Agricole and Pinebank, performing similar functions. He also worked as a project manager at Experian, implementing transaction monitoring and list screening applications at customer sites globally. He holds a B.S. in Finance and Management Information Systems from Florida State University. Mr. Xiques has 11+ years of BSA experience in the banking industry and has been CAMS certified since 2007.

Email: Richard.Xiques@citi.com


Lorenzo Delzoppo

Lorenzo Delzoppo, CAMS
Programming Co-Chair
Community Bank of Florida

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.

Email: lorenzod@communitybankfl.com


Patricia Marinho

Patricia Marinho
Programming Co-Chair
Mountview Money Transfer

Ms. Marinho is CEO/Chief Compliance Officer for Mountview Money Transfers. Patricia Marinho manages the company’s BSA and anti-money laundering programs, as well as coordinates the entire compliance efforts with all Federal and State laws. Prior to working at Mount View Money Transfers, Patricia was EVP/Chief Compliance Officer at MoneyExpress Financial Corp. She began her career as an attorney, working first as assistant of a judge, then as counsel for law firms and companies in Brazil and the US in the areas of Intellectual Property, Computer Law and Business Immigration. After being involved with the compliance area in 2003, Patricia Marinho participated to international AML conferences, developed compliance manuals, training manuals and videos, implemented compliance monitoring systems and interfaced state examiners and auditors in various examinations. She taught Computer Law for MBA classes at Fundacao Getulio Vargas. She has a LLM from the University of Miami School of Law, a law degree from Brazil, she studied Intellectual Property at the University of Berkeley and Florence. She speaks five languages. She is a member of the Association of Certified Anti-Moneylaundering Specialist and the co-Membership Director of the ACAMS South Florida Chapter.

Email: pmarinho@mvtransfers.com


Bao Q Nguyen

Bao Q. Nguyen, MBA, CAMS
Programming Co-Chair
Kaufman Rossin & Co.

Bao Nguyen joined Kaufman Rossin in 2013 as a manager with 8 years of prior experience in the financial services industry. His expertise focuses on recognizing and assessing compliance risks for broker-dealers, hedge funds and investment advisers. He provides compliance solutions including annual compliance reviews, anti-money laundering independent testing, supervisory control risk assessments, fraud investigations, and customized compliance or product reviews. He has also assisted clients with broker-dealer and investment adviser registration with FINRA, the states, and the Securities and Exchange Commission.

Prior to joining Kaufman Rossin, Bao was the Chief Compliance Officer for a broker-dealer and registered investment advisor in South Florida. He was responsible for developing and implementing the firm’s supervisory systems to comply with federal and state securities law and FINRA Rules and Regulations. In addition, as the Anti-Money Laundering Compliance Officer, he was responsible for compliance with the USA PATRIOT Act, Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and Foreign Corrupt Practices Act (FCPA).

Bao’s experience also includes being a lead examiner with FINRA for six years where he examined FINRA member firms with respect to sales practice and financial reviews to determine compliance with federal and FINRA rules and regulations. Bao is a frequent speaker at various conferences and an author with published articles in Bloomberg BNA and ACAMS. In addition, Bao is frequently quoted in various publications such as, ACAMS.com, IA Watch, and PAM Magazine. In addition, Bao sits on the board of Families First of Palm Beach County Foundation.

Bao earned a Bachelor’s Degree in Finance and Marketing, and a Master’s of Business Administration from Florida Atlantic University. He is a Certified Anti-Money Laundering Specialist (CAMS).

Email: bnguyen@kaufmanrossin.com


Jeferson M Moreira

Jeferson M. Moreira
Treasurer

Jeferson Moreira joined the Andbanc Wealth Management group in 2014 as the CCO for the Andbanc Brokerage and Andbanc Advisory entities. Prior to Andbanc, Mr. Moreira worked for TOV Capital Markets, Banif Securities, Citigroup, KPMG and Ernst & Young.

An accomplished and resourceful Financial Compliance Executive with 15+ years of experience, Mr. Moreira has a track record of maintaining exceptional compliance standards and results for financial firms. Tri-lingual (Portuguese, English and Spanish), Mr. Moreira has expertise in executive-level (C-Level) financial and operational management as well as development and growth of organizations.

Proactive, collaborative and hands on leader, Mr. Moreira has a Bachelor degree in Business Administration with a Major in Finance from Fundacao Santo Andre, Brazil. He also holds the FINRA licenses Series 7, 9/10 and 24.

Email: jmoreira76@gmail.com.


Josue Garcia

Josue Garcia, CAMS
Communications
TIB Bank

Josue Garcia, Security Compliance Analyst at TIB Bank, a $1.73 billion commercial bank with 28 branches, joined the bank in July 2004. He performs a myriad of investigative compliance research and analysis associated with customer activity pursuant to various regulatory initiatives, such as the Bank Secrecy Act (BSA), USA PATRIOT Act, Office of Foreign Assets Control (OFAC). Josue serves on the Compliance Committee and on the Community Reinvestment Act (CRA) Committee. Josue is currently working towards completing a combined bachelors and masters degree in Criminal Justice from Florida International University. He is a Certified Anti-Money Laundering Specialist (CAMS) and has 10 years of banking experience. He also serves as a mentor for Take Stock In Children a non-profit organization that provided scholarships to low-income and at-risk students since 2005.

Email: jgarcia@tibbank.com


Andres Miranda
Membership


Richard Wichmann

Richard William Wichmann, Jr., CAMS
Secretary

Mr. Wichmann has 7 years experience in Regulatory Compliance in the Insurance Industry. He was the Director of AML and OFAC Compliance for Assurant Inc., where he initially developed the AML and suspicious activities reporting programs. He served on the AML and OFAC Compliance Committees. He was also the Privacy Officer for the Assurant Solutions and Assurant Specialty Property subsidiaries. He has coordinated program development and documentation, training curriculum development and training classes, communications and audit activities, in each of these areas. He is a member of International Association of Privacy Professionals, as well as ACAMS. He received a Master’s Degree in Demographics from Florida State University.

Email: rwichmann@bellsouth.net