Enhance your AML Audit Skills

CAMS Audit

The ACAMS Advanced AML Audit Certification (CAMS-Audit) is the first certification of its kind in the AML/CTF and financial crime prevention community. Building on current CAMS expertise, CAMS-Audit is advanced training that will equip mid-level and senior management professionals with the essential knowledge that reinforces internal controls and enhances your ability to meet regulatory expectations.

CAMS-Audit certified professionals can count themselves as the elite in the AML Audit arena.

The CAMS-Audit curriculum prepares professionals to:

  • Evaluate the effectiveness and adequacy of a BSA/AML compliance program, suspicious activity reporting and transaction monitoring systems, and KYC/CIP policies, procedures, and processes
  • Address and mitigate BSA/AML risk including tracking and correcting previously identified issues and deficiencies
  • Identify, analyze and recommend enhancements to policies, procedures and processes in accordance with guidance and regulations
  • Assess the adequacy of transaction testing in relation to risk and suspicious activity
  • Understand and communicate reporting and record keeping requirements in performing independent testing
  • Enhance the role of audit in regards to your institution’s compliance monitoring and AML training
  • Identify communication techniques to increase the reception and collaboration of your message across different departments

Benefits

  • Fulfill regulatory expectations – International standards require that all financial institutions have AML programs and that these programs be independently reviewed.
  • Safeguard your AML program, minimize risk, preempt negative examination findings – With CAMS-Audit, you will strengthen the skills required to uncover and address any areas of vulnerability within your institution in an efficient and comprehensive manner.
  • Experience professional growth – Given recent headlines and increased scrutiny, AML professionals with audit experience will continue to be in high demand.

Who should Apply?

CAMS-Audit is geared toward mid-level to senior management such as:

  • Internal/External Auditors
  • Consultants
  • Regulators
  • Compliance Officers
  • Risk Managers

With experience and training in all or any of the following areas:

  • Risk Assessment
  • Policies and Procedures
  • AML Audit Processes
  • Transaction Monitoring
  • Identifying and Reporting Suspicious Activity
  • Compliance Monitoring/Corrective Action Testing/Validation
  • Training

Program Outline

Administrative Session

This hour-long webinar is an administrative session to go over the program logistics, timelines and other details.

Self-Study

Participants will be required to complete pre-class assign­ments prior to attending the classroom session. Partici­pants should plan to spend 8 – 10 hours reading, research­ing and completing exercises that will be used in the classroom session. All pre-class assignments will be tied to classroom activities.

3-Day Live Course

The live course is comprised of:

Lecture

Where needed to introduce topics and establish the foundation for discussions and exercises.

Discussion

This course is designed to create dialogue and interaction. Participants will be encouraged to engage in discussions focused on various aspects of AML audit.

Exercises

In-class exercises are designed to leverage the results of pre-class activities and immerse participants in interactive situations and work groups, allowing them to put concepts into practice.

Publishable White Paper

Participants will be required to write a white paper, which will be graded as the final exam, on one of several topics. Papers will be available to ACAMS members online or in print. This published paper will help you:

  • Establish your expertise, gain recognition and build your portfolio
  • Give back to the Association by building intellectual capital for ACAMS members
  • Provide analysis on major/emerging issues

How to Qualify

Candidates wishing to apply for CAMS-Audit must maintain an active CAMS designation and submit documentation supporting they have met the required 20 qualifying credits based on a combination of:

  1. Professional Experience – 10 of the 20 credits must come from professional experience. Experience is limited to within the last 5 years.
  2. Continuing Education – Candidates receive 1 credit per 3 hours of training. Limit to 10 credits per 2 years.
  3. Audit Certification – Limit to 1 active certification. Certification qualifies for 3 credits.

How to Apply

  1. Complete the application included in the handbook.
  2. Email the application and all required documentation to advanced-certification@acams.org.
  3. You may also mail or fax in your application, however, please keep in mind that mailing in your application may delay the application process. Our mailing address and fax number are:
    Brickell Bayview Centre
    80 SW 8th Street, Suite 2350
    Miami, FL 33130
    Fax: +1 305.373.7788
  4. Upon approval of your application, you will receive an invoice for payment.
  5. Payment may be made by credit card, personal check, cashier’s check, money order or wire transfer. Checks should be made payable to ACAMS. Declined credit cards and/or returned checks are subject to a $25 penalty.

*Incomplete applications, including missing documentation, will be returned.

Review Board

John J. Byrne

John J. Byrne, Esq., CAMS
Executive Vice President
ACAMS

John is Executive Vice President of the Association of Certified Anti-Money Laundering Specialists or ACAMS. ACAMS is the over 20,000 member organization that develops anti-money laundering/sanctions/financial crime detection programs and certifies specialists in financial and non-financial businesses and government agencies. The website is www.acams.org.

Byrne is a nationally known regulatory and legislative attorney with close to 30 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.

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 is a graduate of Marquette University in 1978 and the George Mason University School of Law in 1983.

John’s blog, “AML, Fraud and Other Things,” can be found at: www.bankingexchange.com


Lindsay Dastrup

Lindsay Dastrup (CAMS – Audit, CRCM, CIA, CFSA)
Director of Internal Audit
American Express

Lindsay is a Director of Internal Audit at American Express. She leads the BSA/AML Audit team and is responsible for leading the annual Enterprise BSA/AML audit and assisting with the international AML audits. This consists of managing audits in Europe, Asia, and Latin America, including managing AML audits across all business units. Lindsay continually interacts with the regulators to ensure regulatory findings are remediated by the Company. She is responsible for providing subject matter expertise on BSA/AML regulatory requirements across the Internal Audit organization.


Laura Goldzung

Laura Goldzung, CAMS
President & Principal Examiner
AML Audit Services, LLC

Laura H. Goldzung is the founder of AML Audit Services and has a long-standing career in the financial services industry. Ms. Goldzung also consults on a variety of securities-related projects and is active as a non-public arbitrator for FINRA Dispute Resolution. An excellent relationship manager, she is a member of SIFMA’s Compliance & Legal and Internal Audit Societies.

Ms. Goldzung began her career in 1979 with a wire house firm, and worked her way up through the ranks to become a branch office manager for a retail broker-dealer. Always in supervisory mode, she served on committees for the NYSE and [then] NASD as a subject matter expert in compliance and supervision. She went on to become managing director for a trade organization and managed their education, conference, continuing and professional education programs and advised to several industry-leading committees.

Borne out of her vast knowledge of the financial services industry space, Ms. Goldzung established a consultancy to leverage her skills and expertise, and this eventually led to establishing the AML practice. She specializes in AML audits and services to small to mid-size broker-dealers and frequently partners on AML projects with other consultants in the field.


Vicki Landon

Vicki Landon, FLMI, CAMS-Audit, CFCS
President
Landon Associates

Vicki Landon is the President of Landon Associates, Inc., a leading expert on AML regulations and best practices for non-bank financial institutions, 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).

In recent engagements she has provided leading and boutique insurance companies, broker-dealers and MSBs with independent AML reviews, risk assessments, and AML policies and procedures. She has also helped companies “tune” AML transaction monitoring systems through selection and justification of alert thresholds.

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 services around Insurance Application Architecture (IAA, the leading insurance business architecture), master data management, and training to insurers internationally. With CSC, the leading provider of insurance application systems, Vicki delivered 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.


Nicolas Khouri

Nicolas Khouri, MBA, CAMS
Senior Audit Director – Compliance and Legal
Ally Financial

Nicolas Khouri is currently a Senior Audit Director at Ally Financial overseeing Compliance and Legal. As part of his role, Nicolas advises management and senior leadership on industry best practices and hot topics for compliance including BSA and AML. Further, Nicolas manages the Compliance Center of Excellence that supports line of business audit teams in conducting Compliance and AML reviews.

Nicolas has over 16 years of financial institutions and investment banking auditing experience focusing mainly on AML and International Operations. Prior to joining Ally, Nicolas spent 7 years as an AML auditor at Wachovia/Wells Fargo Bank. Over the years, Nicolas has developed in depth knowledge in international AML regulations, including Chinese, Japanese, German, Canadian, Mexican and UK laws.

Nicolas holds an MBA in Finance and International Business from the George Washington University and is a certified anti-money laundering specialist (CAMS) since 2006. Nicolas has been an invited speaker and/or panelist at several national conferences on AML and auditing including Association of Certified Anti-Money Laundering Specialists (ACAMS), Florida International Banking Association (FIBA), The Institute of Internal Auditors (IIA) and the Financial Markets Association (FMA).


Hoi Luk

Hoi Luk, CRCM, CAMS
Senior Manager
Moss Adams LLP

Mr. Luk, a Certified Anti-Money Laundering Specialist (CAMS) and Certified Regulatory Compliance Manager (CRCM), is a Senior Manager with Moss Adams LLP. Hoi is the practice leader and is responsible for project oversight and delivery of risk management services primarily in the Southern California region. His regulatory compliance, risk management, and internal audit experience spans more than 20 years with specialties in the Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), residential lending, and asset quality reviews.

Prior to joining Moss Adams LLP, Hoi was a Regional Director at the world’s largest global provider dedicated to banking and payments technologies. Prior to that, Hoi was a director at a leading national business consulting, accounting, and tax firm where he was responsible for risk management consulting services. He has also served as a compliance specialist for two $3 billion institutions and also worked for two mortgage companies, performing regulatory compliance testing and support functions.


Marc Maramag

Marc Maramag, CAMS
Vice President – Internal Audit
CIT

Marc is Vice President with the Regulatory Compliance Audit Team within CIT. He oversees the independent review of AML processes within both the business and core segments of the AML Program. Prior to CIT, Marc was a Senior Audit Manager of the AML Audit Team in the US for TD Bank NA, America’s Most Convenient Bank. While with the audit department at TD, Marc built, managed, and oversaw a team of AML audit professionals in the reviews of the US AML Program. He also successfully implemented several Computer Assisted Audit Techniques (CAATs) in systematically testing complete populations of accounts and transactions across all aspects of the AML Program including CIP, Special Measures, and OFAC. Marc was also Vice President in the Legal, Risk and Capital Audit Team at Deutsche Bank NY. He was responsible for executing periodic reviews of the AML Program of DB Canada, and covered the US AML Operations as part of an integrated Global AML Operations review. In addition to AML, Marc was also responsible for the reviews of Group Legal, specifically developing audit programs of the oversight and governance structure of Legal and Legal Operations globally. He also developed audit programs for reviews of Contract Management and Electronic Communications process. Marc also worked in the Global Banking Audit Team at Merrill Lynch, where he covered compliance reviews of Regulation W – 23A/23B, and the Community Reinvestment Act. While at Merrill Lynch, Marc also developed programs that reviewed the Government Relations Office – looking at the PAC and lobbying efforts of the Firm, and of the GPC Marketing Department. Prior to Merrill Lynch, Marc worked at American Express where he did fully integrated reviews, including coverage of the financial, regulatory (AML and FRB Regulations), and operational risks for several lines of business, including Private Banking, ATM Operations, Amex One, Payment Processing, Credit Cards, AEFA, and of Third Party Vendors.

Marc has a bachelor’s degree in Accounting from the City University of New York – Staten Island. Throughout his career, he has earned several designations and registrations, including the CAMS, CPA, CIA, CISA, CFSA, Series 7 and Series 63.


Paul R. Osborne

Paul R. Osborne
Partner
Crowe Horwath LLP

Paul is a Partner with Crowe Horwath LLP responsible for directing the development and support of Crowe’s national regulatory advisory services, focusing on various consumer compliance requirements. This includes Compliance regulations and their respective requirements, Fair Lending evaluations, BSA/AML and terrorist financing risk assessments, Compliance and BSA/AML independent audits, trust department operational and administrative reviews, and Compliance, BSA/AML and trust training. The Regulatory Compliance practice of Crowe has assisted many clients with developing functional and effective Compliance and BSA/AML management programs, and consulted with banks under regulatory orders in addressing memorandums of understanding or cease and desist requirements. Crowe currently provides compliance, BSA/AML and trust services to over 400 financial institution clients nationwide.

Paul has over twenty-five years of experience in the banking industry. Prior to joining Crowe in 1994, Paul was with a $30B multi-state bank holding company as a regional compliance director where his responsibilities included the management of compliance, fair lending, BSA/AML, community reinvestment, real estate appraisal, and environmental liability for the holding company’s affiliates in Florida, Illinois, Indiana, and Michigan.

Paul has also been involved in many Compliance and BSA/AML risk assessment projects, transaction lookback investigations and BSA audits for three of the nation’s largest financial institutions and the world’s third largest money service business. Paul was also a member of the Crowe team assisting Riggs Bank with addressing Department of Justice enforcement initiatives and developing a modified BSA program to help complete the sale to PNC. Some of Paul’s former and current clients include: Bank of America, Bank of the West, Capital 1, Key Bank, BB&T, Comerica, MoneyGram, PayPal, National City, and First National of Nebraska, Inc.


Jack Oskvarek

Jack Oskvarek, CAMS, AMLP
Vice President, BSA Executive Director
Wintrust Financial Corporation

Jack Oskvarek is Vice President, BSA Executive Director for Wintrust Financial Corporation and responsible for bank-wide AML/BSA/OFAC functions. Prior to joining Wintrust in Nov 2013, Jack served in similar roles at Banco Popular North America, Park National Bank, AMCORE Bank and MidAmerica Bank. Jack’s experience includes implementing innovative management dashboard reporting, establishing detailed EDD programs (particularly for IPB), improving investigatory processes along with refining transaction monitoring systems. Of particular note in July 2007 he was brought in to AMCORE Bank to navigate through an OCC formal agreement and consent order and build a comprehensive BSA/AML/OFAC program and team. Functioning in this integral role, all adverse OCC regulatory actions were lifted in April 2008. Jack has more than 25 years of banking experience.

Prior to joining AMCORE (now BMO Harris) in July 2007, he was First Vice President, BSA Officer & Deposit Operations Manager at MidAmerica Bank, where he was responsible for bank-wide AML/BSA/OFAC functions (completing a full AML/FIU build-out of personnel and systems), deposit operations, servicing departments, wire operations, internal help desk, and contact center. Prior to MidAmerica Bank, Jack served as Vice President, BSA Officer & Manager of Retail Banking Operations at TCF Bank (formerly Standard Federal Bank), which included AML/BSA/OFAC functions, loss prevention/fraud operations, compliance, branch mgmt, and was Plan Trustee for a $10 million employee pension portfolio.

Jack earned a bachelor’s degree in business with a finance concentration from De Paul University. He is a Certified Anti-Money Laundering Specialist (CAMS designation from the Association of Certified Anti-Money Laundering Specialists) and is a certified Anti-Money Laundering Professional (AMLP designation from BAI).

His professional experience also includes founding the ACAMS Chicago Chapter, which under his leadership received the 2011 worldwide Chapter of the Year Award, and continues to serve as Chairman. Jack also serves on various ACAMS committees and participated on panels such as the ACAMS Annual AML & Financial Crime Conference and the ABA AML National Conference in Washington D.C. Outside his professional life, Jack is an avid tennis player and a dedicated Cubs fan.


Michael Schidlow

Michael Schidlow, Esq., CAMS-Audit
Head of Financial Crime Compliance and Emerging Risk Audit Development
HSBC

Michael Schidlow is an accomplished investigator, professor of ethics and criminal justice, licensed attorney, Certified Anti-Money Laundering Specialist (CAMS) and Certified AML Audit Professional (CAMS-Audit).

In his role as the Head of Financial Crime Compliance and Emerging Risk Audit Development at HSBC, Schidlow directs the financial crime compliance training program for the global internal audit function. Under his leadership, Schidlow spearheaded the development of an exemplary financial crime compliance Bootcamp course, which has been delivered across the entire HSBC global footprint. Schidlow previously served as one of the United States’ foremost investigators for Bank of America’s Global Financial Crimes Compliance division, specializing in high-profile client compromises, high net-worth investigations, complex fraud cases, and insider abuse allegations. Schidlow started his career working as an attorney at some of Manhattan’s premiere law firms, concentrating on regulatory compliance and white collar litigation matters.

Schidlow is considered a subject matter expert in the field financial crime compliance, fraud, and criminal justice.


Kenneth Simmons

Kenneth Simmons, CAMS-Audit
SVP, Senior Administrative Officer – Compliance / BSA / OFAC Officer
Hamilton State Bank

Kenneth serves on the Review Board for the ACAMS- Advanced AML Audit Certification program. A Compliance/BSA professional serving the financial industry for 30 years. Kenneth is the SVP, Chief Compliance / BSA Officer of Hamilton State Bank in Georgia. Subsequent to this he served as a SVP, Compliance/ BSA Testing Division Manager for BB&T. Kenneth Served as a Compliance/ BSA Specialist Examiner for the Office of the Comptroller Currency (OCC) and the Federal deposit Insurance Corporation (FDIC). During this tenure he served as an instructor for the OCC’s Compliance Examination School and the Advanced BSA School for Examiners. Kenneth also served as the Functional Examiner-In-Charge for several Mid-size financial institutions. He has served as the General Auditor for a multi-billion dollar financial institution; served as a Compliance Officer for smaller Community Banks; and V.P Compliance Officer for some of the country’s largest financial institutions. Kenneth has spoken at industry conferences throughout his career and served as a panelist for The OCC, FNMA, Alabama Banker’s Association – BSA conference, and ACAMS AML Conference. Kenneth has published a BSA-related white-paper entitled “Learning from the mistakes of others”. This is the only white-paper ever published addressing BSA Matters Requiring Attention (MRAs) issued by the OCC.


Elizabeth A. Slim

Elizabeth A. Slim, CAMS
Senior Vice President and BSA Officer
1st Enterprise Bank

Elizabeth Slim is the Senior Vice President and BSA Officer for 1st Enterprise Bank headquartered in downtown Los Angeles and is responsible for managing the BSA program of the Bank. Elizabeth has been in the banking industry for over 30 years specializing in areas of compliance, operations, fraud, security, training and risk management with financial institutions such as Bank of America, First Interstate Bank of California, Home Savings of America, Sanwa Bank, Community Bank, Grandpoint Bank and City National Bank. She is the Founder and Co-Chair of the ACAMS Southern California Chapter established October 2009. Elizabeth is a Certified Anti-Money Laundering Specialist (CAMS) since 2004 and a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) since 2003. She has been a guest speaker for ACAMS conferences and the West Coast Anti-Money Laundering Forum. Elizabeth also serves on the ACAMS faculty for the ACAMS Advanced Certification Program. She attended California State University, Los Angeles.


Jack Sonnenschein

Jack Sonnenschein, CAMS-Audit
Global Head Audit Advisory for Financial Crime Compliance
Standard Chartered Bank

Jack Sonnenschein recently joined Standard Chartered Bank as Global Head Audit Advisory for Financial Crime Compliance. Previously, Jack was Chief Auditor for Compliance at Citigroup with global responsibility for anti-moneylaundering, anti-bribery and corruption, sanctions and consumer and institutional compliance audits and at American Express where he developed and implemented enterprise-wide compliance risk management programs including legal, regulatory and control inventories, risk assessments, compliance monitoring and testing, third party compliance oversight and compliance training.

At Citigroup in a prior role, Jack drove the development of technology solutions for customer acquisition and identification programs, transaction and account monitoring and USA Patriot Act compliance. He has worked extensively in developing country, product and customer risk models to integrate and support customer due diligence and monitoring systems.

Jack also served as a Client Service Partner in Chase’s General Auditing Department responsible for delivering financial and technology audit services to Global Private Banking, Consumer Banking, Credit Card and Mortgage Banking clients.

Mr. Sonnenschein started his career at Touche Ross (now Deloitte & Touche) in Quebec and New York where he earned his chartered accountancy and certified public accountant designations.


Kevin B. Thomas, CPA, CIA, CAMS
Senior Vice President, Director of Internal Audit
EagleBank

Mr. Thomas is Senior Vice President, Director of Internal Audit for EagleBank, headquartered in Bethesda, Maryland. He is responsible for overseeing the internal audit function for the Bank. Mr. Thomas has over ten years of experience in banking, as well as in other industries (e.g., defense, manufacturing, power production, research and development, etc) where he was also responsible for the internal audit functions. Prior to his current position, Mr. Thomas was a consultant initiating his consulting tenure with Deloitte and Touche as a Manager in the Internal Audit Services Practice. Mr. Thomas began his career in accounting for a fortune 500 company and then moved to external auditing where he performed audits of numerous types of public and private companies; including partnerships, joint ventures, municipalities, and boards of education.


Peter D. Wild

Peter D. Wild, CAMS-Audit
Principal
Wild AML Solutions

Peter is an independent consultant in the Anti Money Laundering/Terrorist Financing {AML/TF} and Sanctions field. In consulting engagements he specializes in AML/TF and Sanctions business processes, Independent Testing and Operational and IT Auditing. He is also experienced in the development and presentation of AML Training.

He retired from J.P.Morgan in 2016 as a Senior Manager in the Internal Audit Department. He managed both Information Technology and Operational audits in many areas of the Firm. Starting in 2007, he specialized in managing audits covering all the Corporate AML/TF and Sanctions computer systems and operations.

Upon moving to America from England he became the IT Audit Director for Republic National Bank of New York. Later, he was a Senior IT Audit Manager at Coopers & Lybrand and then moved to the Melville Corporation as the IT Audit Director and subsequently became their Director of Information Systems Planning.

He is a Fellow of the Institute of Chartered Accountants in England & Wales {FCA} and a Past President of the New York Chapter of the Information Systems Audit and Control Association {ISACA}. He is a Recipient of the Joseph J. Wasserman Award for his outstanding contributions to Information Systems Audit and Security.

He is a founding member of the CAMS Audit Faculty {CAMS Audit}, the Co-Chair of the ACAMS New York Chapter and in 2015 he received the Al Gillum Volunteer of the Year Award from ACAMS. He is also a member of the Honourable Artillery Company of London.

Faculty

John J. Byrne

John J. Byrne, Esq., CAMS
Executive Vice President
ACAMS

John is Executive Vice President of the Association of Certified Anti-Money Laundering Specialists or ACAMS. ACAMS is the over 20,000 member organization that develops anti-money laundering/sanctions/financial crime detection programs and certifies specialists in financial and non-financial businesses and government agencies. The website is www.acams.org.

Byrne is a nationally known regulatory and legislative attorney with close to 30 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.

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 is a graduate of Marquette University in 1978 and the George Mason University School of Law in 1983.

John’s blog, “AML, Fraud and Other Things,” can be found at: www.bankingexchange.com


William (Aub) Chapman

William (Aub) Chapman, CAMS-Audit
Director
Aub Chapman Consulting Services Pty Ltd

Prior to his retirement, Aub Chapman was a career banker with over 42 years of professional experience. In his last role at Westpac Banking Corporation, he was responsible for managing a number of functions including Group Fraud Control, Physical Security, Business Continuity Services, Cash and ATM Services as well as managing the group’s compliance with AML/CTF legislation.

Since his retirement, Aub has been consulting in both the public and private sectors, not only in Australia, but also internationally. He specializes in controls against financial crime and management of cash services. His international experience includes assignments for the United Nations, the Asian Development Bank, The Eurasian Group on Money Laundering (on behalf of the FSVC), Bank Negara Malaysia, Institut Bank-Bank Malaysia and the Labuan Offshore Financial Services Authority. He has been a guest speaker at a number of international AML/CTF conferences and international conferences associated with the cash services industry.

Aub is a founding member and Co-Chair of the ACAMS Australasian Chapter, a member of the ACAMS Education Taskforce, a certified CAMS Instructor and a member of the CAMS-Audit faculty. He received the ACAMS AML Professional of the Year award in 2009.


Vasilios Chrisos

Vasilios Chrisos, CAMS
Principal, Fraud Investigation & Dispute Services
Ernst & Young LLP

Vasilios leads Ernst & Young’s Financial Crime practice by focusing on investigations, look-backs, and regulatory inquiries related to AML, sanctions, and anti-bribery and corruption (AB&C) matters. He assists both financial institutions and non-financial companies on all aspects of financial crime compliance. Vasilios also works with entities that are either undergoing or facing regulatory enforcement actions and advises them on the construction of action plans and communication strategies with regulators, including regular updates on the progress of remediation efforts.

Prior to re-joining Ernst & Young, Vasilios was the Americas Financial Crime Director for Macquarie, Australia’s largest investment bank. In that role, he was responsible for managing the company’s AML, sanctions, and AB&C programs across all business divisions and legal entities in North and South America.

Vasilios is a Certified Anti-Money Laundering Specialist (CAMS). He is currently on the Global Advisory Board of the Association of Certified Anti-Money Laundering Specialists (ACAMS). Vasilios is also the Co-Chairman of the ACAMS New York Chapter and also serves on several ACAMS task forces. Additionally, he is a member of the New York State Society of CPA’s Anti-Money Laundering and Counter Terrorist Financing Committee and the Securities Industry and Financial Markets Association (SIFMA) AML & Financial Crimes Committee. In 2012, Vasilios received the prestigious ACAMS Al Gillum Volunteer of the Year Award for his significant contributions to the AML, sanctions, and financial crime fields.


Dave Dekkers

Dave Dekkers, CAMS, CAMS Audit
Managing Partner
Dekkers Services & Solutions

Dave is the managing partner of Dekkers Services & Solutions, and is a vetted professional in the field of fighting Financial Crime (AML, Sanctions, Compliance, Anti-Fraud, Cybercrime, Forensic, Accounting, Risk Management) and specialized analysis for intelligence gathering.

Dave previously served as expert for large financial institutions to develop AML, Fraud and Cybercrime program, including processes and training of new staff. His 10+ years of international experience across the world allows Dave to think out-of-the-box and be prepared for any given financial crime challenge.

Dave supports (tech) startups in being successful with their products to fight financial crime and the field of finance, serving positions as Head of Product Management, Business Consultant and Senior Project Manager/Program Manager at various large financial institutes and software companies worldwide.

Dave enjoys sharing his experience and insight in fighting financial crime, by being a speaker, provide training, writing articles and participating in communities.


Laura Goldzung

Laura Goldzung, CAMS
President & Principal Examiner
AML Audit Services, LLC

Laura H. Goldzung is the founder of AML Audit Services and has a long-standing career in the financial services industry. Ms. Goldzung also consults on a variety of securities-related projects and is active as a non-public arbitrator for FINRA Dispute Resolution. An excellent relationship manager, she is a member of SIFMA’s Compliance & Legal and Internal Audit Societies.

Ms. Goldzung began her career in 1979 with a wire house firm, and worked her way up through the ranks to become a branch office manager for a retail broker-dealer. Always in supervisory mode, she served on committees for the NYSE and [then] NASD as a subject matter expert in compliance and supervision. She went on to become managing director for a trade organization and managed their education, conference, continuing and professional education programs and advised to several industry-leading committees.

Borne out of her vast knowledge of the financial services industry space, Ms. Goldzung established a consultancy to leverage her skills and expertise, and this eventually led to establishing the AML practice. She specializes in AML audits and services to small to mid-size broker-dealers and frequently partners on AML projects with other consultants in the field.


Marc Maramag

Marc Maramag, CAMS
Vice President – Internal Audit
CIT

Marc Maramag is Vice President and the Senior Audit Manager of the AML Audit Team in the US for TD Bank NA, America’s Most Convenient Bank. In his current role, Marc oversees and manages a team of individuals in conducting independent testing of the US AML Program. Prior to joining TD Bank NA, Marc was Vice President in the Legal, Risk and Capital Audit Team at Deutsche Bank NY. He was responsible for conducting periodic review of the AML Program of DB Canada, and covered the US AML Operations as part of an integrated Global AML Operations review. In addition to AML, Marc was also responsible for the reviews of Group Legal, specifically developing audit programs of the oversight and governance structure of Legal and Legal Operations globally. He also developed audit programs for reviews of Contract Management and Electronic Communications process. Previously, Marc worked in the Global Banking Audit Team at Merrill Lynch, where he covered compliance reviews of Regulation W – 23A/23B, and the Community Reinvestment Act. While at Merrill Lynch, Marc also developed programs that reviewed the Government Relations Office – looking at the PAC and lobbying efforts of the Firm, and of the GPC Marketing Department. Marc also worked at American Express where he did fully integrated reviews, including coverage of the financial, regulatory (AML and FRB Regulations), and operational risks for several lines of business, including Private Banking, ATM Operations, Amex One, Payment Processing, Credit Cards, AEFA, and of Third Party Vendors.

Marc has a bachelor’s degree in Accounting from the City University of New York – Staten Island. Throughout his career, he has earned several designations and registrations, including the CAMS, CPA, CIA, CISA, CFSA, Series 7 and Series 63.


Paul R. Osborne

Paul R. Osborne
Partner
Crowe Horwath LLP

Paul is a Partner with Crowe Horwath LLP responsible for directing the development and support of Crowe’s national regulatory advisory services, focusing on various consumer compliance requirements. This includes Compliance regulations and their respective requirements, Fair Lending evaluations, BSA/AML and terrorist financing risk assessments, Compliance and BSA/AML independent audits, trust department operational and administrative reviews, and Compliance, BSA/AML and trust training. The Regulatory Compliance practice of Crowe has assisted many clients with developing functional and effective Compliance and BSA/AML management programs, and consulted with banks under regulatory orders in addressing memorandums of understanding or cease and desist requirements. Crowe currently provides compliance, BSA/AML and trust services to over 400 financial institution clients nationwide.

Paul has over twenty-five years of experience in the banking industry. Prior to joining Crowe in 1994, Paul was with a $30B multi-state bank holding company as a regional compliance director where his responsibilities included the management of compliance, fair lending, BSA/AML, community reinvestment, real estate appraisal, and environmental liability for the holding company’s affiliates in Florida, Illinois, Indiana, and Michigan.

Paul has also been involved in many Compliance and BSA/AML risk assessment projects, transaction lookback investigations and BSA audits for three of the nation’s largest financial institutions and the world’s third largest money service business. Paul was also a member of the Crowe team assisting Riggs Bank with addressing Department of Justice enforcement initiatives and developing a modified BSA program to help complete the sale to PNC. Some of Paul’s former and current clients include: Bank of America, Bank of the West, Capital 1, Key Bank, BB&T, Comerica, MoneyGram, PayPal, National City, and First National of Nebraska, Inc.

Kenneth Simmons

Kenneth Simmons, CAMS-Audit
SVP, Senior Administrative Officer – Compliance / BSA / OFAC Officer
Hamilton State Bank

Kenneth serves on the Review Board for the ACAMS- Advanced AML Audit Certification program. A Compliance/BSA professional serving the financial industry for 30 years. Kenneth is the SVP, Chief Compliance / BSA Officer of Hamilton State Bank in Georgia. Subsequent to this he served as a SVP, Compliance/ BSA Testing Division Manager for BB&T. Kenneth Served as a Compliance/ BSA Specialist Examiner for the Office of the Comptroller Currency (OCC) and the Federal deposit Insurance Corporation (FDIC). During this tenure he served as an instructor for the OCC’s Compliance Examination School and the Advanced BSA School for Examiners. Kenneth also served as the Functional Examiner-In-Charge for several Mid-size financial institutions. He has served as the General Auditor for a multi-billion dollar financial institution; served as a Compliance Officer for smaller Community Banks; and V.P Compliance Officer for some of the country’s largest financial institutions. Kenneth has spoken at industry conferences throughout his career and served as a panelist for The OCC, FNMA, Alabama Banker’s Association – BSA conference, and ACAMS AML Conference. Kenneth has published a BSA-related white-paper entitled “Learning from the mistakes of others”. This is the only white-paper ever published addressing BSA Matters Requiring Attention (MRAs) issued by the OCC.



Elizabeth A. Slim

Elizabeth A. Slim, CAMS
Senior Vice President and BSA Officer
1st Enterprise Bank

Elizabeth Slim is the Senior Vice President and BSA Officer for 1st Enterprise Bank headquartered in downtown Los Angeles and is responsible for managing the BSA program of the Bank. Elizabeth has been in the banking industry for over 30 years specializing in areas of compliance, operations, fraud, security, training and risk management with financial institutions such as Bank of America, First Interstate Bank of California, Home Savings of America, Sanwa Bank, Community Bank, Grandpoint Bank and City National Bank. She is the Founder and Co-Chair of the ACAMS Southern California Chapter established October 2009. Elizabeth is a Certified Anti-Money Laundering Specialist (CAMS) since 2004 and a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) since 2003. She has been a guest speaker for ACAMS conferences and the West Coast Anti-Money Laundering Forum. Elizabeth also serves on the ACAMS faculty for the ACAMS Advanced Certification Program. She attended California State University, Los Angeles.


Jack Sonnenschein

Jack Sonnenschein, CAMS-Audit
Global Head Audit Advisory for Financial Crime Compliance
Standard Chartered Bank

Jack Sonnenschein recently joined Standard Chartered Bank as Global Head Audit Advisory for Financial Crime Compliance. Previously, Jack was Chief Auditor for Compliance at Citigroup with global responsibility for anti-moneylaundering, anti-bribery and corruption, sanctions and consumer and institutional compliance audits and at American Express where he developed and implemented enterprise-wide compliance risk management programs including legal, regulatory and control inventories, risk assessments, compliance monitoring and testing, third party compliance oversight and compliance training.

At Citigroup in a prior role, Jack drove the development of technology solutions for customer acquisition and identification programs, transaction and account monitoring and USA Patriot Act compliance. He has worked extensively in developing country, product and customer risk models to integrate and support customer due diligence and monitoring systems.

Jack also served as a Client Service Partner in Chase’s General Auditing Department responsible for delivering financial and technology audit services to Global Private Banking, Consumer Banking, Credit Card and Mortgage Banking clients.

Mr. Sonnenschein started his career at Touche Ross (now Deloitte & Touche) in Quebec and New York where he earned his chartered accountancy and certified public accountant designations.


Brian Stoeckert

Brian Stoeckert, JD, CAMS, CFE
Partner
Stratis Advisory

Brian is a Managing Partner of Stratis Advisory with more than 15 years of experience in strategy, risk, legal, and compliance serving startups through Fortune 500 companies. He manages an international portfolio of FinTech start-ups, money service businesses, financial institutions, government agencies, universities, and entertainment. Brian has served as an expert in civil and regulatory matters related to anti-money laundering (AML) and digital currency compliance, and international bond swaps. Moreover, he has testified before domestic and foreign governments.

Brian previously co-founded CoinComply, the first risk and compliance solutions provider devoted exclusively to the FinTech and digital currency ecosystem. Prior to CoinComply, he led Booz Allen Hamilton’s west coast strategy and risk practice on advising board of directors, audit and compliance committees, and executive management of global financial institutions under consent orders for AML deficiencies, money service businesses, and international intelligence firms. Moreover, he has served as a guest lecturer at New York University’s Law School and Stern School of Business on AML laws, regulations, and digital currency compliance. Brian is a frequent presenter at international risk and compliance conferences.

Brian is a recipient of Stony Brook University’s 2014 Top 40 Under Forty Award. He serves as a Non-Executive Director for a post-IPO global FinTech firm and is a member of the National Association of Corporate Directors, the Chairman of the ACAMS Chapter Steering Committee, and an Executive Board member of the award winning ACAMS Northern California Chapter. He received his J.D. from New York Law School and his B.A. in Political Science from Stony Brook University.

He can be reached at bstoeckert@stratisadvisory.com, @StratisAdvisory, or 917.554.9903.


Chuck Taylor

Chuck Taylor, CAMS
Senior Vice President, BSA Officer
City National Bank

Mr. Taylor is Senior Vice President, BSA Officer for City National Bank, headquartered in downtown Los Angeles. He is responsible for overseeing all aspects of the BSA/AML function for City National. He has been in the banking industry since 1992 and the BSA/AML field exclusively since 2003. His resume includes positions with; California National Bank, Bank of America, Pacific Capital Bancorp and the Santa Barbara County District Attorney’s Office. Chuck completed his Juris Doctorate in 2001, received certification as an Anti-Money Laundering Specialist (CAMS) in 2003 with the inaugural class and became a Certified BSA Officer in 2007.


Peter D. Wild

Peter D. Wild, CAMS-Audit
Principal
Wild AML Solutions

Peter is an independent consultant in the Anti Money Laundering/Terrorist Financing {AML/TF} and Sanctions field. In consulting engagements he specializes in AML/TF and Sanctions business processes, Independent Testing and Operational and IT Auditing. He is also experienced in the development and presentation of AML Training.

He retired from J.P.Morgan in 2016 as a Senior Manager in the Internal Audit Department. He managed both Information Technology and Operational audits in many areas of the Firm. Starting in 2007, he specialized in managing audits covering all the Corporate AML/TF and Sanctions computer systems and operations.

Upon moving to America from England he became the IT Audit Director for Republic National Bank of New York. Later, he was a Senior IT Audit Manager at Coopers & Lybrand and then moved to the Melville Corporation as the IT Audit Director and subsequently became their Director of Information Systems Planning.

He is a Fellow of the Institute of Chartered Accountants in England & Wales {FCA} and a Past President of the New York Chapter of the Information Systems Audit and Control Association {ISACA}. He is a Recipient of the Joseph J. Wasserman Award for his outstanding contributions to Information Systems Audit and Security.

He is a founding member of the CAMS Audit Faculty {CAMS Audit}, the Co-Chair of the ACAMS New York Chapter and in 2015 he received the Al Gillum Volunteer of the Year Award from ACAMS. He is also a member of the Honourable Artillery Company of London.

Graduates

First NameLast NameStateCountry
Hossam Abd El Rahman United Arab Emirates
Elsherif Abdel-Razek Egypt
Shibu Abraham Hong Kong
Bukola Adisa London United Kingdom
Svetlana Agayeva NJ USA
William Akel NV USA
Reema Al Rabea Bahrain
Ahmed H. Al Radhi Bahrain
Nadine Al Shirawi Bahrain
Thomas Alessandro NY USA
Maleka Ali CA USA
Marissa Allum Trinidad and Tobago
Rosali Andrade Sao Paulo Brazil
Sylvia Auguste Saint Lucia
Sahar Banu Sirajudeen United Arab Emirates
Jochen Best BC Canada
Lisa Martine Bowyer Grand Cayman KY
Robert J Bradley NY USA
Joyce S. Broome NC USA
Narda Brown ON CAN
Keron Burrell Jamaica
Susan Cannon TX USA
Ka Ki Chan Hong Kong
William A. Chapman NSW Australia
Qian Chen China
Idris Fidela Clarke Saint Kitts Saint Kitts and Nevis
Nathaniel Cole CA USA
Paul Coleman ―― Turks and Caicos
Alicia D. Cortez FL USA
Cherise Cox Nassau Bahamas
Cheryl Cravens MO USA
John Crouch NC USA
Hue Dang Hong Kong
Tamara Darnow CO USA
Lindsay Dastrup NY USA
Donna Davidek FL USA
Garvin De Jonge Tortola British Virgin Islands
Dave Dekkers Noord-Brabant Netherlands
Susan Devine VA USA
Martin Dilly Auckland NZ
Jennifer Dors Willemstad Curacao
Kacy Drury NV USA
Kathe M. Dunne TX USA
Wafaa El Dars Egypt
Sam Adam Elnagdy NY USA
Jonathan Estreich NY USA
Ameera Khalil Fakhrawi Bahrain
Brooke Ferris CO USA
Shonda S. Forde Bridgetown Barbados
Alaa Saleh Ghaith Bahrain
Rudolf Gomez Kralendijk Bonaire
Claudia Gonzalez FL USA
Lawrence Grant-Lapre United Arab Emirates
Ralph Guillou NY USA
David Haghighi NY USA
Vincia L. Herbert Nevis Saint Kitts and Nevis
Yolanda Hilton NP Bahamas
Yekaterina Hirose CA USA
Ryan Hodge CA USA
Jason Honeycutt TX USA
Jeff Houde IL USA
Jang Yu John Hu Kowloon Hong Kong
Monique Johnson OH USA
Tara R. Johnston NY USA
Karl-Johan Karlsson Sweden
Ramanathan Karuppiah QLD Australia
Jonathan Kay NY USA
Laurie S. Kelly CO USA
Marion Keyes CO USA
Abdul H. Khan FL USA
Fairoz Khan Singapore
Manisha Khanna Singapore
Alba Kiihl MA USA
Harold Koster United Arab Emirates
Mary-Jo LaHood NJ USA
Nancy E. Lake PA USA
Vicki Landon TX USA
Aaron Lau WP Kuala Lumpur Malaysia
Tony Lee Hong Kong
Wing Yan Gloria Lee Hong Kong
Kok Cheong Leong Singapore
Sherron A. Lewis TX USA
Andrew Li Hong Kong
Henry Lim SGP Singapore
Yunhong Liu NJ USA
Thomas C. Lorenz NE USA
Christopher Luangpakdy NY USA
Terri Luttrell TX USA
Walid Malhas Kuwait
David Thomas Martin Morris NY USA
Victor M. Martinez Cruz PR PR
Jo Ann Masiello NY USA
J. Scott Mauro NY USA
Mwiinga Mbozi Zambia
John McCormick NY USA
Angela Juliet Mele Grand Cayman Cayman Islands
Joseph Meyer CA USA
Louis Napolitano NY USA
Betty Sze Wai Ng Hong Kong
Troy Dyson Nicholson New Zealand
Tyler Lamar Nicoll AZ USA
Andres Noren-Jacobson Mexico
Munkhbat Nyamaa Mongolia
James Inchurl Park OK USA
Iris Aimee Pinedo NY USA
Mark Prater VA USA
Kristin Pullar CO USA
Mahendrasingh Ramdhary Flacq Mauritius
Chris Randle ON Canada
Brandi Reynolds SC USA
Rebecca Robertson SC USA
Alexandra Rosi NY USA
Kyle Rulau VA USA
Omar M. Saif Kuwait
Andrea Saunders Nassau Bahamas
Michael Schidlow NY USA
Marianne Schmitt FL USA
Kenneth Simmons GA USA
Cheryl Sincock CA USA
Katuna Sinyangwe Lusaka Zambia
Kathleen O. Smith CT USA
Jay Smith Hamilton Bermuda
Shanique Smith MD USA
Jason Smith NY USA
Iris Smith NC USA
Jack Sonnenschein NY USA
David G. Specker Amsterdam Netherlands
Gina Storelli PA USA
Conrad Tillett Belize
Karima Touil United Arab Emirates
Siddhartha Valluri CA USA
Kathleen Veldhuizen Noord-Brabant Netherlands
Jaime Verastegui FL USA
Daniel Vieira Sao Paulo Brazil
Brian W. Vitale IN USA
Erik Vledder Singapore
Hao Wang NY USA
Hao Jan Wang Taiwan
Kem V.C. Warner St. John's Antigua
Joseph Weber NY USA
Peter Wild NY USA
Mark E. Wolfrey PA USA
John Wood AL USA
Francisco Daniel Zepeda MDC Honduras
First NameLast NameStateCountry