R. Joe Soniat, CAMS
Co-Chair
Union Bankshares Corporation

Mr. Soniat is the administrator of the BSA AML programs for Union Bankshares Corporation, all three banks and its subsidiaries, located in Bowling Green, Virginia.  Mr. Soniat has worked in the Internal Audit Section of the Virginia State Police as an Office Services Specialist; as a Finance Officer for the United States Government; and also as a fraud examiner for Circuit City Stores. He is a BSA Coalition Advisory Board Member, which consists of bankers and regulatory representatives from various federal and state banking agencies from the fifth district of the Federal Reserve.

email: robert.soniat@bankatunion.com

John Byrne, CAMS
Co-Chair
Association of Certified Anti Money Laundering Specialists (ACAMS)

John is Executive Vice President of the Association of Certified Anti-Money Laundering Specialists or ACAMS. ACAMS is the 10,000 member organization that develops anti-money laundering/sanctions/financial crime detection programs and certifies specialists in financial and non-financial businesses and government agencies.

Byrne is a nationally known regulatory and legislative attorney with over 25 years of experience in a vast array of financial services issues, with particular expertise in all aspects of regulatory oversight, policy and management, anti-money laundering (AML), privacy and consumer compliance. He has written over 100 articles on AML, represented the banking industry in this area before Congress, state legislatures and international bodies such as the Financial Action Task Force (FATF), and appeared on CNN, Good Morning America, the Today Show, and many other media outlets.

Prior to becoming the EVP of ACAMS, John started his own regulatory advice firm, was the Global Regulatory Relations Executive for Bank of America and prior to that, the Director of the American Bankers Association's (ABA) Center for Regulatory Compliance. John has received a number of awards, including the Director's Medal for Exceptional Service from the Treasury Department's Financial Crimes Enforcement Network (FinCEN) and the ABA's Distinguished Service Award for his career work in the compliance field.

John's blog, "AML, Fraud and Other Things," can be found at: www.ababj.com.

email: jbyrne@acams.org

Edward Rodriguez, CAMS, CFS, CFCI, EA
Secretary
EORS Consulting LLC.

Ed is the principal and founder of EORS Consulting LLC. Prior to forming his own firm, Ed was practice leader of Watkins Meegan LLC, a CPA firm in the DC region, in the area of Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Compliance Services. Ed has deep and varied subject matter expertise in AML compliance, having completed a career as a Special Agent with IRS Criminal Investigations (CI) where he conducted and supervised tax and money-laundering investigations for 25 years.

Prior to being assigned to Organized Crime Drug Enforcement Task Force (OFC), he was a senior analyst in IRS CI HQ in the Financial Crimes Section where he oversaw the IRS CI’s national money laundering program. Reviewed money laundering policy and supported CI’s field offices globally. Strategic analysis reviews were intended to enhance money laundering investigations. Coordinated and trained all the National CI’s 81 Suspicious Activity Review teams (SARs) within all of CI’s Field Offices.

While in New York Field Office (NYFO) as a Supervisor for IRS CI, he presented numerous engagements as an expert in money laundering and BSA enforcement to law enforcement and industry communities. He supervised in the El Dorado Task Force in NYC which involved money laundering and criminal financial investigations. He also supervised the IRS NYFO SAR-Review Team by enforcing BSA statutes such as Title 31. Then finally he supervised in the New York Asset Forfeiture Task Force working on criminal investigations while evaluating the potential to execute the federal asset forfeiture and seizure statutes.

Email: edwardrodriguez677@gmail.com

James M. Wright
Co-Secretary
Independent Consultant

Mr. Wright is an international banking advisor who specializes in anti-money laundering and real estate lending regulations and compliance. For the last ten years he has been a consultant for both the US government and international organizations including the World Bank and Asian Development Bank, working in 28 countries. During the period 2003- 2006 he served as the resident advisor to the National Bank of Romania. Prior to becoming an international consultant he was both a bank examiner and community development specialist for the Office of the Comptroller of the Currency.

email: JamesMwright01@aol.com

Mónica M. MacGregor, CAMS
Membership Director
Alvarez & Marsal Dispute Analysis & Forensic Services, LLC

Ms. MacGregor is a Director with Alvarez & Marsal Dispute Analysis & Forensic Services, LLC disputes analysis and specializes in government and internal investigations, as well as the computation of damages in commercial litigation and international arbitration. During the course of her career, she has conducted investigations in conjunction with and presented investigative findings to U.S. prosecutorial and investigative bodies; foreign governmental, prosecutorial and investigative bodies; and supra-national and international organizations throughout the U.S., Europe and Latin America.

email: mmacgregor@alvarezandmarsal.com

Debra L. Bonosconi, CAMS
Co-Membership Director
HSBC Bank

Ms Bonosconi is Senior Vice President of AML compliance at HSBC Bank USA, where she is responsible for overall AML compliance of the embassy banking portfolio. Previously she was America’s anti-money laundering leader at GE Money where she was responsible for AML compliance matters for the U.S., Canada, and Latin America. Ms Bonosconi has also served as a senior special examiner in the Federal Reserve Board's special investigations and enforcement unit. She has conducted BSA/AML regulatory examinations for both the Federal Reserve and the Office of the Comptroller of the Currency for over ten years.

email: debra.l.bonosconi@us.hsbc.com

Edwin F. Beemer III, CAMS
Communications Director
CorpComm Solutions, LLC

Mr. Beemer is the Principal and founder of CorpComm Solutions, LLC (CCS).  ComplianceComm, a division of CCS, provides AML training support and communications to the MSB community.  For the past ten years he has worked extensively with U.S. Postal Service’s Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) Compliance Team developing their BSA/AML award winning training program and related training support programs and tools.  He has also developed similar programs on anti-fraud and cyber security/information assurance issues. 

email: efb@corpcommteam.com

Deborah L.  Hitzeroth, CAMS
Co-Communications Director
U.S. Postal Service

Deborah (Debbie) Hitzeroth is a communications and anti-money laundering professional with more than 20 years experience. She currently serves as the BSA Compliance Officer for the United States Postal Service where she has worked with BSA/AML training and communication programs for the past 11 years. Her current responsibilities include developing and managing programs to detect, report, and deter money laundering at the Postal Service’s 32,000 retail locations. Debbie’s communications background includes work as a reporter, editor, and director of public affairs for a national association. Ms. Hitzeroth holds a Bachelor of Journalism degree from the University of Missouri and a Master’s Degree in Business Administration from Loyola College in Maryland.

email: deborah.l.hitzeroth@usps.gov

Ross Delston, CAMS
Programming Director
GlobalAML.com

Mr. Delston is an attorney and former Federal banking regulator who specializes in BSA/AML compliance at GlobalAML.com, a Washington, DC-based consulting firm he founded in November 2006. He advises financial institutions, corporations and law firms on BSA/AML issues such as independent audit, trade-based money laundering, and risk assessment.  Mr. Delston has been a legal consultant to the International Monetary Fund on AML and banking matters since 1997 and has participated in the AML assessments of eight offshore financial centers.  He is also the Co-Chair of the American Bar Association’s International AML Committee.

email: ross@globalaml.com

Michael A. Mancusi
Co-Programming Director
Kilpatrick Stockton LLP

Mr. Mancusi is a partner at Kilpatrick Stockton LLP and a member of the firm's Financial Institutions Team. He counsels diverse clients on corporate issues that relate to banking organizations and structures, including corporate governance, national banking associations, operating subsidiaries, and holding companies under the National Bank Act, the Federal Reserve Act, the Bank Holding Company Act, the Federal Deposit Insurance Act, and the Bank Merger Act. Mr. Mancusi also has experience with issues related to interstate branching and main office relocations as well as merger-related activities, including bank/thrift combinations, antitrust issues, and affiliated transactions. In addition, Mr. Mancusi’s experience includes matters related to preparing for, and responding to, examination issues, and compliance with anti-money laundering and foreign assets control requirements. His internal investigations experience involves the Bank Secrecy Act as amended by the USA PATRIOT Act, Office of Foreign Assets Control compliance, the Foreign Corrupt Practices Act, accounting improprieties and misleading financial disclosures, compliance strategy, and civil antitrust issues.

email: mmancusi@kilpatrickstockton.com

Kevin M. Anderson, CAMS
Treasurer
Bank of America

Mr. Anderson has been with Bank of America since 1990, working in various capacities in retail banking, insurance and wealth management. Since 1997, he has worked in compliance, primarily focusing on AML issues. In the compliance capacity, he co-authored the initial enterprise-wide AML policy and program integrating requirements from various businesses as well as the laws and regulations. He has been involved in subsequent revisions, incorporating regulatory and other changes, as well as providing guidance to lines of business globally. He has developed and conducted AML training and supported risk assessments for the enterprise as well at the business unit level. He designed, implemented and managed the company’s process to obtain and validate Patriot Act certifications for non-U.S. banks for several years. He has built and implemented processes to support consistent documentation of the AML policy and program. In addition to AML policy work, Kevin helped design and establish a framework for overseeing the development and implementation of enterprise-wide compliance and operational risk policies, including privacy, fair lending and payment systems risk.

Kevin has been a Certified Anti-Money Laundering Specialist since 2003 and has served on the ACAMS Editorial and Education Task Forces for several years. He has published numerous articles on money laundering topics in publications such as ACAMS Today and the ABA Banking Journal.

email: kevin.m.anderson@bankofamerica.com

Dennis Lormel
Co-Treasurer
DML Associates, LLC

Mr. Lormel retired from the Federal Bureau of Investigation (FBI) in December 2003, following over 30 years of government service, almost 28 years as a Special Agent in the FBI. During his distinguished career, Mr. Lormel amassed extensive major case experience as a street agent, supervisor and senior executive, particularly in complex, document and labor intensive financial related investigative matters. In December 2000, Mr. Lormel was promoted to Chief of the FBI’s Financial Crimes Program.

Immediately following the terrorist attacks of September 2001, Mr. Lormel formulated, established and directed the FBI’s comprehensive terrorist financing initiative. He developed and implemented a variety of proactive and progressive investigative methodologies. These efforts evolved into the formation of a formal Section within the Counterterrorism Division of the FBI, known as The Terrorist Financing Operations Section. This multi-agency, multi-disciplined entity attained international recognition as one of the world’s elite operations for tracking, investigating and disrupting terrorist-related financial activity. For his visionary contributions, Mr. Lormel received numerous commendations and awards to include the Department of Justice, Criminal Division’s Award for Investigative Initiative and the Central Intelligence Agency’s George H. W. Bush Award for Excellence in Counterterrorism.

Over the last six years Mr. Lormel has provided risk advisory consulting services. He is the founder and President of DML Associates, LLC, a full service investigative consultancy. Mr. Lormel provides consulting services and training related to terrorist financing, money laundering, fraud, financial crimes and due diligence. He also offers financial intelligence services through case studies and trend analysis. Mr. Lormel has shared his insight on terrorist financing and money laundering through speaking engagements at hundreds of domestic and international conferences, as well as through regular media interviews. In addition, he served as an Advisor to the Congressional Anti-Terrorist Financing Task Force. Mr. Lormel is also a contributing expert to The Counterterrorism Blog.

email: dlormel@dmlassocllc.com