Christopher (Chris) Siddons, CAMS
Co-Chair
Ally Financial, Inc.

Chris is the AML Operations Director at Ally Financial, Inc., a $176 billion bank holding company operating in 15 countries, was brought in to build an AML Operations group as part of the conversion of GMAC Financial Services from an auto finance company to a bank holding company.  Functioning in this role, the AML Operations group developed and implemented a proprietary integrated customer risk scoring, transaction monitoring and case management solution.  As the AML Operations Director, Chris is responsible for the technology and operations supporting Ally’s AML and Sanctions compliance programs.

Chris has more than 15 years financial services experience.  Prior to joining Ally, Chris was Senior AML Audit Manager at Washington Mutual responsible for building the AML Audit team to independently test the AML/Sanctions program and monitor progress remediating an OTS consent order.  Prior to Washington Mutual, Chris served as a Senior Manager in the Protiviti, Inc. regulatory risk practice advising clients on the remediation of AML/Sanctions programs subject to regulatory enforcement actions.  Prior to Protiviti, Inc. Chris was the Money Laundering Reporting Officer at BNP Paribas Private Bank & Trust Cayman Limited where he was responsible for building the AML/Sanctions compliance program. 

He is a Certified Anti-Money Laundering Specialist (CAMS designation from the Association of Certified Anti-Money Laundering Specialists).

e-mail: Christopher.Siddons@ally.com

Tyrone W. Beasley, CAMS
Co-Chair
RSM McGladrey

Tyrone is a Managing Director in the West Region Consulting Services business unit.  He provides a wide range of consulting and risk advisory services to our clients across the United States and directs the consulting activities of the risk advisory group in the Dallas, Texas office.  He is also on the management oversight team for the western region, which includes all of the states west of the Mississippi River.  He has been with RSM McGladrey for over 16 years and has over 22 years of bank consulting and regulatory experience.

Tyrone is responsible for Bank Secrecy Act and anti-money laundering reviews, credit risk management consulting, consumer compliance reviews, management studies, and general bank consulting.  Before joining McGladrey, Tyrone spent seven years with the Office of the Comptroller of the Currency as a national bank examiner.

With McGladrey, Tyrone has assisted numerous banks with consulting, and his responsibilities include Bank Secrecy Act program development and implementation; compliance program development and implementation; loan reviews and review of loan administration procedures; and Consent Order compliance assistance.  Tyrone also represents McGladrey on public speaking engagements and has been an invited speaker for many banking events.

Tyrone received his undergraduate degree in 1988 from Loyola University of the South in New Orleans, Louisiana.  He also received a Masters of Business Administration degree from Webster University in Colorado Springs, Colorado.  He currently lives in McKinney, Texas.

e-mail: tyrone.beasley@mcgladrey.com

Linda Overfield, HIA, ACS, AIRC, DIA
Secretary
American Fidelity Assurance Company

Linda is the Corporate Compliance and Market Conduct Manager at American Fidelity Assurance Company. She has been with American Fidelity Assurance Company since 1977 with over 25 years of that time spent in the field of compliance. In her role as Anti-money Laundering Compliance Officer, she coordinates the corporate-wide AML program, sanctions program, and Foreign Corrupt Practices Act. In addition, she manages agent licensing, assists with complaints and market conduct issues, and serves as an Investment Company and Variable Contract Products Principal for American Fidelity Securities, Inc. for agent registration and anti-money laundering. She is a member of the Association of Certified Anti-Money Laundering Specialists and the Association of Insurance Compliance Professionals.

e-mail: linda.overfield@af-group.com

Kathryn (Kathy) Bailey, CAMS
Co-Secretary
Shelby Savings Bank

Kathy has served financial institutions for more than six years.  She is currently a Vice President/BSA Coordinator of Shelby Savings Bank in Center, Texas.  She joined Shelby Savings in 2009 as a New Accounts Representative and now serves as BSA Coordinator planning, organizing and conducting all aspects of monitoring activities related to BSA, AML and OFAC compliance and ensures all activities and processes are in compliance with bank policies and procedures as well as audit and regulatory requirements.

Before joining Shelby Savings Bank she was involved with launching Town Square Title Company in Waxahachie, Texas, developed under Citizens National Bank, the parent company.  In addition to serving as an escrow technician, she was office manager and a customer service representative.  Her prior experience in banking also includes Farmers State Bank in Center, Texas, where she served as loan secretary and customer service representative.

She serves on the boards of both the North Texas ACAMS Chapter and the CenTex ACAMS Chapter. She is the Co-Secretary of the North Texas ACAMS Chapter and the Co-Director of Programming on the CenTex Board.

Email: kbailey@shelbysavingsbank.com

Gary Osborn
Co-Treasurer
Ernst & Young

Gary Osborn is an Executive Director in Ernst & Young’s Fraud Investigation & Dispute Services (FIDS) group specializing primarily in the Financial Services industry.  Gary has over 35 years of experience working with Financial Services clients including over 13 years with Ernst & Young; ten years with Bank of America as Senior Vice President and senior commercial and real estate lender; and eight years with regional and local banks. He has been involved with litigation matters in varying degrees throughout his career.

e-mail: linda.overfield@af-group.com   

John Podvin
Membership Director
Haynes and Boone, LLP

John is of counsel at Haynes and Boone, LLP in Dallas, Texas.  John has almost 20 years of regulatory agency, law firm and corporate experience. He has advised corporate boards, board committees, and management on federal and state banking laws and regulations and has served as primary liaison to federal banking regulators.

During his corporate career with an NYSE-listed parent company to a $16 billion bank, he advised the board and management on compliance with applicable law, with specific emphasis on government relations, fair lending, insider lending, affiliate transactions, legal lending limits, anti-money laundering, privacy and ethics. In addition, he actively participated in the formulation and support of enterprise-wide policies and strategic initiatives. He supervised and coordinated investigations triggered by calls to the ethics hotline required by Sarbanes-Oxley. Finally, he coordinated and acted as primary liaison for all examinations with federal bank regulators.

As an attorney with a leading international law firm, John assisted financial institutions with regulatory compliance, mergers and acquisitions, enforcement actions and litigation. He also worked closely with financial institutions in developing new products and services, including electronic banking services, Internet services and other forms of information technology.  John served on the American Bankers Association Compliance Executive Committee from 2005-2008 and he is the President-Elect of the Texas Association of Bank Counsel.

e-mail:  john.podvin@haynesboone.com

Charlotte Lowe, CAMS
Programming Director
Texas Capital Bank

Charlotte’s banking career began in 1983.  In 2003, she joined Texas Capital Bank and for the past five years has served as Senior Vice President and BSA/AML/OFAC Officer.  Before Texas Capital Bank, she was with Bluebonnet Savings Bank for 15 years where she performed many functions in administrative and management roles with responsibilities that included implementing new products, regulatory compliance programs, training and development, policy and procedure development, banking center consolidations, bank/branch acquisitions, data conversions, vendor management, business continuity planning and other programs to support the Bank’s retail and wholesale operations.  She served as Bluebonnet’s BSA/AML/OFAC officer from 1996 to 2003. 

Charlotte is a graduate of West Texas State University in Canyon, Texas and has continued professional development and education from leading industry training and certification programs through the ABA, AIB, TSCBA/TBA, ACAMS, and others.  She received her ACAMS, CAMS certification in 2006.

e-mail: charlotte.lowe@texascapitalbank.com

Mark Bell, CAMS
Co-Programming Director
Penson Financial Services, Inc.

Mark joined Penson Financial Services as its Chief Compliance Officer for Anti-Money Laundering in 2008. He possesses 15 years of financial services industry experience. Before joining the Penson team, Mark helped launch Spyglass Trading, a Dallas based broker dealer for institutional options traders. He served as its only chief operating and compliance officer for its 10 years of operation. Prior to joining the financial services industry Mark worked as judge advocate for the U.S. Air Force. His last assignment before his retirement was the Deputy Chief of the Headquarters Air Force Military Justice Division. Mark is an active member of SIFMA’s Anti-Money Laundering committee.

Thomas R. Delaney II, CAMS
Communications Director
Penson Worldwide Inc.

e-mail:  tdelaney@penson.com

Holly Hasty, CSCP
Co-Communications Director
Penson Financial Services, Inc.

Holly Hasty, CSCP is Vice President / Chief Compliance Officer at Penson Financial Services, Inc. where she is responsible for overseeing the Firm’s overall compliance program. Ms. Hasty joined Penson in August 2008 and is Series 4, 7, 14, 24, 53, 55, 63, and 65 registered. Prior to joining Penson, she spent over eight years with First Southwest Company where she served, among other roles, as Vice President of Capital Markets. Ms. Hasty is a Certified Securities Compliance Professional (CSCP) and has also served on the Business Advisory Board for Missouri Southern State University’s School of Business Administration. She earned both a Bachelor of Business Administration (Marketing) and Master of Business Administration (Finance) from the University of Mississippi.

e-mail:  hhasty@penson.com

Richard  C. Gardner
Treasurer
Drug Enforcement Administration (DEA)