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.

Marshall has over fifteen (15) years of substantial bank regulatory compliance/risk management, finance, accounting, and legal experience. He joined City National Bank of Florida in early February 2009 as co-General Counsel and Chief Compliance Officer. At City National, Marshall has joint accountability for the legal affairs of the bank and as such is responsible for compliance with state/federal legal and regulatory requirements. In addition, his responsibilities include leadership, strategy development and execution in the areas of Compliance and Bank Secrecy Act.

Prior to his current role, Marshall joined Wachovia in January 2003 and served in the Legal Division as Assistant General Counsel for the General Banking Group (GBG). In August 2005, Marshall joined the GBG’s Operations Group as Director of International & High Risk Customer Governance. There he was responsible for executing against USA PATRIOT Act, Bank Secrecy Act, and OCC mandates with respect to high-risk customers (e.g., NRAs, MSBs, PEPs, charities, foreign legal entities, travel agencies, etc.). To that end, Marshall was directly responsible for: (i) the GBG’s CIP program; (ii) establishing adequate policies and procedures/controls, risk assessments, etc., for the bank’s high risk customers, (iii) executing against those policies and procedures, (iv) created/managed an analytics and quality assurance team, and (v) managed a team of 100 plus FTE with a budget of nearly $9 million.

Before joining Wachovia, his experience revolved around financial services/bank consulting in a variety of regulatory matters. Formerly of the FDIC, Marshall has extensive experience in working with the federal and state bank/thrift regulatory agencies. His experience includes managing applications and notices regarding all aspects of mergers and acquisitions, de-novo branches, branch closures, bank/thrift holding company formations, de-novo bank and thrift applications, development of business plans & proforma financials for de-novo applications, etc. In addition, Marshall served as general counsel and compliance officer at a large multi-state/country money transmitter and has extensive banking experience dealing with money services businesses.

Mr. Xiques is the Executive Vice President of the Global Financial Services Forum. His role at the GFSF is to create and promote transparency across the financial services sector. He worked previously for Republic Federal Bank as the Information Security Officer and Head of Operations Review for the Bank. In 2007, he played a major role in the bank's core system conversion. His main responsibility there was creating, managing and implementing the Information Security Program as well as establishing numerous controls for all business units that mitigated the operational risk for the bank. These controls included an automated in-house BSA-AML risk rating system as well as numerous in-house automated business development and monitoring controls. Prior to working at Republic Federal Bank, Mr. Xiques was a project manager with the Experian Anti-Money Laundering and Fraud Solutions group. He was responsible for implementing numerous anti-money laundering and fraud programs around the globe.

Patricia Marinho
Co-Programming Director
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.

e-mail: pmarinho@mvtransfers.com

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.

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.

Ms. Aravuori has been with the State of Florida’s Office of Financial Regulation (“Office”) for over ten 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.

Mr. Rodriguez is president of Acclaim Resources, a Miami based company that provides institutions with regulatory guidance and automated compliance solutions to help meet their audit and regulatory requirements. Mr. Rodriguez is responsible for Specialized Training and Evaluations on internal controls, software products, and tools to pinpoint solutions necessary to meet specific regulatory requirements for financial institutions in order to reduce compliance risk and increase organizational efficiencies. He has fifteen-years of experience in banking, business and operations management specializing in BSA/AML, organizational development, management of legal affairs and related documentation, loan origination and administration, and corporate restructure. Throughout his career, Mr. Rodriguez has worked successfully with various institutions to help them increase efficiency and mitigate their exposure to risk.

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.

Ms. Ugas has over 10 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); 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 the BSA/AML Department of Ocean Bank as head of the KYC Unit.

Ms. Catalina Rey is the Manager of Regulatory Risk and OFAC Compliance at Standard Chartered Private Bank. She is an attorney in Costa Rica, her country of origin, and holds a Master of Law (LLM) from the University of Miami in Taxation. Following her studies at the University of Miami, Catalina was the BSA/AML Officer at Credit Agricole Miami Private Bank, responsible for managing all AML/BSA compliance for the agency. She also worked as Assistant Vice President in the BSA Department at Ocean Bank. Currently, at Standard Chartered Bank, Catalina manages all compliance regulatory risk and OFAC matters. She conducts and organizes all AML trainings, and is in charge of coordinating and processing legal and law enforcement requests.