ACAMS is guided by an Advisory Board of distinguished experts from around the world committed to keeping ACAMS on the cutting-edge of anti-money laundering practices and ensuring ACAMS’ place as the premier provider of state-of-the-art services to its members.

Advisory Board Members

Rick Small

Rick Small, CAMS
CHAIRMAN

Executive Vice President
Director, Financial Crimes Program
BB&T

Mr. Small brings leading insights on the challenges, strategies, regulatory expectations and future focus areas for anti-money laundering and financial crimes at a global level. Prior to joining EY, he was the Senior Vice President, Enterprise Wide Anti-Money Laundering, Anti-Corruption and International Regulatory Compliance for American Express. In this role, Mr. Small was responsible for overseeing the enterprise-wide anti-money laundering, anti-corruption and sanctions programs. In addition, he was responsible for the Compliance teams that manage day to day compliance outside of the United States. Prior to joining American Express, Mr. Small was the Global Anti-Money Laundering Leader for GE Money, a division of General Electric. In this role, he was responsible for the anti-money laundering program of all GE Money businesses globally. Prior to joining GE, he was the Managing Director, Global Anti-Money Laundering, for Citigroup.

Mr. Small was first a Federal Prosecutor with the United States Department of Justice in the Antitrust Division and the Organized Crime Strike Force and then with the United States Department of the Treasury as the Senior Counsel for Law Enforcement. His most recent government position was on the staff of the Board of Governors of the Federal Reserve System as Deputy Associate Director in the Division of Banking Supervision and Regulation. Mr. Small is currently Chairman of the Advisory Board of ACAMS and a member of the Advisory Board for the American Bankers Association/American Bar Association Money Laundering Enforcement Conference.


Luciano J. Astorga

Luciano J. Astorga
Chief Compliance Officer
BAC|CREDOMATIC NETWORK

Mr. Astorga joined BAC|Credomatic Network in the year 2000 where he worked as Managing Director/General Manager for BAC|Nicaragua until 2008 when he accepted the position of Regional Chief Compliance Officer when the position was jointly offered by both JV partners, (General Electric Co. and Grupo Pellas). During his 8 years tenure at BAC|Nicaragua, he executed a successful high-growth business strategy which persistently exceeded yearly projected double digit business growth and earnings which resulted in yearly ROEs of above 25%.

Prior joining BAC|Credomatic Network, Mr. Astorga worked as Managing Director for First Chicago/Bank One (prior merging with JPMorgan) from 1986 to 2000 as Managing Director in several assignments including Mexico City, Mexico (new bank), New York, NY (Emerging Markets), Chicago, IL (Energy) and Houston, TX (Petroleum). Assignments included heading several business efforts and senior credit positions.

Mr. Astorga also worked from 1983 to 1986 at Bank of Boston in Boston, MA where he completed the Loan Officer Development Program and concluded an assignment in Panama, Rep. of Panama. Prior beginning his banking career, Mr. Astorga worked for 2 years with General Electric Company in Schenectady, NY as an Electrical Engineer where an educational leave of absence was granted for graduate school studies.

Mr. Astorga´s education background includes a Masters of Business Administration in Banking and Finance from the Central American Institute of Business (INCAE), and a Bachelor of Science in Electrical Engineering from Union College in Schenectady, NY.

Email: lastorga@baccredomatic.com


John J. Byrne

John J. Byrne, Esq., CAMS
Vice Chairman
AML RightSource, LLC

John J. Byrne is vice chairman of AML RightSource, LLC and senior advisor to the ACAMS advisory board. 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, AML, privacy and consumer compliance. He has written hundreds of articles on AML; represented the banking industry in this area before congress, state legislatures and international bodies such as FATF; and appeared on CNN, Good Morning America, the Today Show, and many other media outlets. Byrne has received a number of awards, including the Director’s Medal for Exceptional Service from the Treasury Department’s Financial Crimes Enforcement Network and the ABA’s Distinguished Service Award for his career work in the compliance field. His podcast, “AML Now” (on iTunes) received a 2017 Communicator Award for hosting from the Academy of Interactive and Visual Arts. Byrne’s blog on AML and Fraud on BankingExchange.com received a Gold Hermes Award in 2016. In addition, Byrne received the ACAMS Lifetime Service Award in September 2017.

Email: john.byrne90@yahoo.com


Jim Candelmo

Jim Candelmo
MVP, Chief
AML Officer
Capital One

Jim Candelmo is the Chief Anti-Money Laundering Officer with Capital One. In this role, Jim supports all facets of Capital One’s AML program.

Before joining Capital One, Jim served as the Bank Secrecy Act Officer at Ally Financial, where he was responsible for all Anti-Money Laundering activities and Ally’s Financial Crimes Intelligence Unit as well as other compliance activities.

Prior to that, Jim was the Deputy Criminal Chief (National Security) for the United States Attorney’s Office in Raleigh, North Carolina, where he was responsible for the investigation and prosecution of all national security cases. Before joining the US Attorney’s Office, Jim served 10 years with the Department of Justice in Washington, DC where he served as Senior Trial Attorney with the Department’s elite Counter Espionage Section and Fraud Section. He is a veteran of both the New England Bank Fraud Task Force and San Diego Bank Fraud Task Force.

Jim attended the University Of Dayton School Of Law where he was named to the Law Review. After graduating law school, he served on active duty with the United States Navy Judge Advocate General’s Corps, during that time Jim received his Masters of Law in International Law from Georgetown University.

He has served as a guest lecturer in the fields of Financial Crimes Intelligence Units, Terrorism and Terrorist Financing, Espionage, Cybercrimes, Suspicious Activity Review Teams and Bank Fraud. He is an adjunct professor of law where he teaches National Security Law and Federal Criminal Law.

Jim is a former member of the FBI’s Joint Terrorism Task Force Executive Council for the state of North Carolina. He is a current member of the FBI’s National Security Financial Sector Working Group, the Internal Revenue Service, Criminal Investigations’ Bank Forum, Association of Certified Anti- Money Laundering Specialists (ACAMS) Educational Task Force and a board member of the Federal Reserve Bank of Richmond’s Bank Secrecy Act Coalition.

His awards include the Department of Justice’s Director’s Award for Terrorism Prevention and National Security for his work in public/private partnerships combating Money Laundering and Terrorist Financing and the Central Intelligence Agency Seal Medal for his contributions to our National Security. Most recently, Jim was also named “AML Professional of the Year” by the Association of Certified Anti-Money Laundering Specialists (ACAMS).


Robert Curry

Robert Curry, CAMS, CRCM, CIA
EVP, Chief Compliance Officer
KeyBank

Robert Curry is Chief Compliance Officer at KeyBank. He has 25 plus years of compliance experience in varying functions including Chief AML Officer, consultant and auditor. In these roles, he has worked with community and money center banks, international boutique banks and global financial institutions. In his current role, Rob is responsible for the oversight and direction of KeyBank’s Compliance program, which includes AML, Fair and Responsible Banking, core compliance practices and Privacy.

Rob graduated with a BA from Mount Union College and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and Certified Internal Auditor (CIA).

Email: robert_l_curry@keybank.com


María de Lourdes Jiménez

María de Lourdes Jiménez, Esq.
Senior Vice President & Division Head Manager
Corporate Compliance Division
Popular, Inc. San Juan, PR

Senior Vice-President & Division Head of the Corporate Compliance Division for Popular, Inc. Her principal responsibility is to supervise the compliance function in Puerto Rico, the United States and all other operations for Popular, Inc. , the leading financial institution in Puerto Rico which ranks 40th by assets among U.S. banks. She is a compliance and legal professional with 25 years of banking experience and particular expertise in all aspects of regulatory oversight, anti-money laundering (AML), consumer and financial compliance.

Mrs. Jiménez has vast experience as Legal Counsel and Compliance Manager in Multinational Institutions. She has previously worked for Citibank, Puerto Rico’s Commissioner of Financial Institutions, and Banco Santander, where she managed the Legal Counsel Office and Corporate Compliance.

Ms. Jiménez is an active participant in the compliance industry and has held committee positions through the industry. She has precided the Puerto Rico Bankers Association Anti-Money Laundering Committee, for the last 12 years where she has coordinated extensive training to keep the industry abreast of legislative and regulatory changes. Also, she served as Chairman of the American Bankers Association (ABA) Compliance Administrative Committee and collaborates with the ABA in various capacities. Mrs. Jiménez is a frequent speaker both nationally and internationally and has cooperated with the US Treasury Department in the public/private sector dialogues with the Latin American AML financial community.

Mrs. Jiménez serves in various community oriented organizations as a Board Member, Center for the New Economy, a local economic think tank, Corporación del Estuario de la Bahía, the Compañía para el Desarrollo Integral de la Península de Cantera where she spearheaded the efforts to develop an out of school educational program and electronic library for the children of this low income community.


Frank Lawrence

Frank Lawrence
Global Head of Payments Compliance, CCO
Facebook

Frank Lawrence applies his 20 + years of direct experience in managing top money transfer companies as a trusted partner for the internal teams at Facebook, to ready and launch innovative payments products. He is responsible for all Global BSA compliance and operations including Sanctions, CIP/KYC/EDD and all AML monitoring and reporting. Frank’s focus since joining Facebook is to help drive emerging payment systems worldwide.

Frank has a deep working knowledge of Money Transmitter/Money Service Business regulations and e-Money regulations in the EU, including:

  • Anti-money laundering (AML) rules
  • The Bank Secrecy Act (BSA)
  • Know Your Customer (KYC) regulations
  • Suspicious Activity report filings
  • Sanctions screening (e.g., OFAC) process
  • Credit card industry and NACHA regulations

Email: flawrence@fb.com


Dennis Lormel

Dennis M. Lormel
President and CEO
DML Associates

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


William D. Langford

William D. Langford
Global Head of Financial Crimes Compliance
The Bank of Tokyo Mitsubishi UFJ, Ltd. and Chief Compliance Officer for the Americas
MUFG Americas

In March 2017, William Langford Jr. joined MUFG Union Bank (“MUB”) as the Chief Compliance Officer for the Americas. William had worked for GE Capital as the Chief Compliance Officer where he led the team responsible for the firm’s global compliance program from 2015. Before joining GE Capital, he served as the Global Head of Compliance Architecture & Strategy at Citigroup, where he led the group responsible for compliance risk analytics and assessments, regulatory and data governance, and global compliance strategy.

Previously, he held several positions at JPMorgan Chase & Co., including the Global Head of Compliance and Head of Enterprise Financial Crimes Compliance. William had also served as the Associate Director for the Regulatory Policy and Programs Division of the Financial Crimes Enforcement Network (FinCEN), a bureau of the U.S. Department of the Treasury. In this capacity, he oversaw the Bank Secrecy Act regulatory, compliance and enforcement functions for the Agency. He previously served as the Senior Advisor to the General Counsel of the U.S. Department of the Treasury, where he focused largely on the implementation of the anti-terrorism and anti-money laundering provisions of the USA PATRIOT Act, including the drafting of regulations implementing these provisions.

Prior to joining Treasury, he practiced law with the Washington, D.C. law firm of Williams & Connolly LLP and the Boston law firm of Choate, Hall & Stewart, specializing in commercial litigation. He also served as a law clerk to the Honorable Royce C. Lamberth in the U.S. District Court for the District of Columbia. William graduated with high honors from the University of Texas School of Law, and summa cum laude from Hastings College with an undergraduate degree in Mathematics.


Rick McDonell

Rick McDonell
Former Executive Secretary Financial Action Task Force
and Executive Director ACAMS

Mr. McDonell was the Executive Secretary of the FATF since 2007.Prior to that he worked for the United Nations Office On Drugs and Crime (UNODC), where he was Chief of the UN Global Programme on Money Laundering. Previously Rick established the Asia Pacific Group on Money Laundering and became its first Executive Secretary.

He is a lawyer by training and has had extensive experience as a federal prosecutor and in conducting complex investigations including being in charge of many multidisciplinary investigation Task Forces into organised crime cases both nationally and internationally. He also has had experience in private legal practice and as a university lecturer.

Email: rmcdonell@acams.org


Karim Rajwani

Karim Rajwani
Global AML Advisor
Quantexa

Mr. Rajwani is currently the Global AML Advisor at Quantexa. Prior to his current role Mr. Rajwani was the Global Head of Financial Crime Intelligence at Deutsche Bank as well as the Global Head of Financial Crime Technology Strategy.

Mr. Rajwani was also the Chief Anti-Money Laundering for the RBC Financial Group (RBC), where he over saw the design, implementation and the day to day management of the Anti Money Laundering Program for 15 years. Mr. Rajwani was also responsible for overseeing the enterprise-wide anti-money laundering, anti-corruption and sanctions programs. In addition, he was responsible for the AML Compliance teams globally.

Mr. Rajwani has more than 35 years of risk management, compliance and financial accounting experience. Mr. Rajwani was also a member of the Advisory Council on National Security for the Office of the Prime Minister of Canada between 2009 and 2012, the Co-Chair of the Canadian Chapter of the Association of Certified Anti Money Specialists (ACAMS) and is a member of the Advisory Board of ACAMS.

In addition to his risk management experience, Mr Rajwani is a Chartered Accountant both in Canada as well as the UK and has worked for various Financial Institutions, Chartered Accounting and Management Consulting firms. In these roles, he has overseen the implementation of a number of enterprise-wide risk management and compliance initiatives.


Anthony Luis Rodriguez

Anthony Luis Rodriguez, CAMS, CPA
Global Compliance Officer
Associated Foreign Exchange

Anthony Luis Rodriguez is a Certified Public Accountant, CAMS certified, and currently the Chief Risk and Compliance Officer for AFEX. AFEX is a fast growing top-tier independent global payments and risk management provider. Established in 1979, AFEX effectively pioneered the business of personalized global payments services, tailored to small, mid-size and corporate business clients. Since then, AFEX has grown into a leading global payment solutions specialist, offering services throughout the Americas, EMEA and Asia Pacific. AFEX has a diverse global client base of more than 25,000 active commercial customers, including importers and exporters, educational and financial institutions, small businesses and multinational corporations. Prior to joining AFEX, Mr. Rodriguez’s extensive experience spans over 20 years, he has held positions with RIA Financial Services one of the world’s largest money transmitters, JPMorgan Chase as a Vice President in the Commercial Compliance Department and Envios R.D./Pronto Envios a niche market money transmitter as their Chief Compliance Officer. In addition, Mr. Rodriguez, is currently a member of the Advisory Board of the Henry C. Lee College of Criminal Justice and Forensic Sciences at the University of New Haven, as well as, the ACAMS Advisory Board representing the MSB industry.

Email: arodriguez@afex.com


Nancy J. Saur

Nancy J. Saur, CAMS
Head of Compliance
Advantage International Management (Cayman) Ltd.

Nancy Saur has over 35 years’ experience in financial services, with more than 20 years focused in the Caribbean and Latin American region. While living in the Cayman Islands for the past 17 years, Nancy has managed compliance for banks, trust companies, corporate service providers, insurance companies and securities brokers. She founded the Cayman Islands Compliance Association, and in 2004, she and her partners opened the first independent compliance consulting company in Cayman, where, in addition to consulting for institutions such as the above, Nancy consulted for a variety of other financial services businesses including credit unions, MSBs, law firms and insurance and real estate brokers. She currently works for a Private Trust company; prior to that, Nancy was head of compliance at an insurance company that provides private placement life insurance, annuities and business insurance. Nancy is a member of the ACAMS Advisory Board, a CAMS Prep Facilitator and has been on the various ACAMS Exam Writing Task Forces over the past 10 years.

Email: caymanpace@hotmail.com


Markus E. Schulz

Markus E. Schulz
Global Head FCC Controls
Standard Chartered Bank

Markus Schulz is the Global Head of Controls for Financial Crimes Compliance at Standard Chartered.

In his current role he looks after the entire FCC Controls framework for the Group including Customer & Transaction Monitoring/Screening, Surveillance Excellence, Financial Intelligence & Investigations, Metrics, Analytics, Data Management, Change & Delivery, Innovation as well as Learning and owns all FCC systems and processes. He is a trained banker by trade and has over 20 years of experience in Financial Services with more than half of his professional work dedicated to Compliance and Financial Crimes prevention for a number of global Financial Institutions.

He is a very active member in the Compliance industry, working with groups like the Wolfsberg Group, Egmont Group, Madison Group, Basel Institute on Governance, Insurance Europe, FATF, IACA and the European Commission just to mention some. He has initiated and lead a number of successful collective industry action groups around topics like Trade & Economic Sanctions, AML and FATCA as well as Ethics in Business.

Markus is an Advisory Board member of ACAMS®, the leading global Association of Certified Anti-Money Laundering Specialists®. He is a very frequent speaker and chair at Compliance, and Anti-Financial Crime conferences and summits around the world and has co-authored numerous publications in this field.

He lived and worked in a number of different countries and benefits from the business and cultural experience he has been able to gain through all his global roles.

Email: markus.schulz@idoitmyway.com


Daniel D. Soto

Daniel D. Soto, CAMS
Chief Compliance Officer
Ally Financial, Inc.

Dan is the Chief Compliance Officer for Ally, where he is responsible for Ally’s enterprise-wide compliance activities. Before joining Ally, Dan spent two years with Wachovia/Wells Fargo in anti-money laundering and retail banking compliance; was for three years the Chief Compliance Officer for Royal Bank of Canada–Centura; and spent eight years with Bank of America in the global anti-money laundering compliance function.

Prior to joining the private industry, Dan was in the public sector as a commissioned bank examiner where he spent six years with the FDIC and nearly 10 years with the Federal Reserve Board.

Dan is based in Charlotte, North Carolina; was awarded the 2014 Distinguished Service Award from the ABA Compliance Administrative Committee; is a faculty member of the American Bankers Association’s National Compliance School; and also on the advisory boards of the Association of Certified Anti-Money Laundering Specialists and the BSA Coalition.

Email: dan.soto@ally.com


Susan J. Galli

Susan J. Galli, CAMS
Financial Services Advisory Risk and Regulatory
Galli AML Advisory, LLC

Susan Galli assists clients to respond to regulatory and Monitor mandates arising from regulatory exams, enforcement actions and Deferred Prosecution Agreements, as well as proactive compliance reviews, particularly in the areas of financial crime risk management and corporate governance. Susan assists clients with root cause analysis of issues and the development and implementation of remedial actions. As a former Chief Risk Officer coupled with her experience in a number of in-house senior AML and compliance roles, Susan has extensive experience in the development and implementation of financial crime and regulatory compliance programs in financial institutions.

Susan also recently served as a Managing Director in the Financial Crimes Unit in the Advisory Group of PricewaterhouseCoopers LLP (“PwC”). She worked 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. Prior to joining PwC, Ms. Galli held a number of senior roles in anti-money laundering compliance with HSBC Holdings Plc and HSBC Holdings North America, Inc. During her tenure at HSBC, she had responsibility for AML policy and program development and global AML strategy and architecture. She has also served as the Chief Risk Management Officer at Pacific National Bank, N.A. where she had responsibility for the oversight of the compliance risk management functions including BSA and regulatory compliance, as well as all of the other risk management functions at the bank.

Previously in her career, Ms. Galli served as the Senior Anti-Money Laundering Coordinator and a member of Citigroup’s Global Anti-Money Laundering team, as well as the Latin America AML Director for Citigroup businesses and was also the Senior AML Coordinator for Banco Santander’s U.S. and Caribbean operations. She also served as a member of the U.S. Treasury Department’s Bank Secrecy Act Advisory Group (“BSAAG”) and the Bank Secrecy Act Advisory Group Funds Transfer Subgroup, representing both Citicorp and the industry.

Special Advisors

Vasilios P. Chrisos, CAMS
Principal | Financial Crimes Unit
PricewaterhouseCoopers, LLP


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David Clark, CAMS
Global Head of FCC Learning & Surveillance Analysis; Group Financial Crime Compliance
Standard Chartered Bank

David has extensive global financial crime risk mitigation experience within banks and, previously, government customs agencies. David joined Standard Chartered from GE Capital where he headed up the Financial Crime risk management function for EMEA and APAC and focused on Anti-Money Laundering, Sanctions & International Trade Controls, and Anti-Bribery & Corruption. Prior to GEC, David worked for Barclays Wealth where he held a global role as the Head of Financial Crime intelligence with specific responsibilities for Anti- Bribery & Corruption, PEPS, Enhanced Due Diligence and Reputational Risk escalations. Prior to Barclays David worked for ABN AMRO where he held a senior position in their global advisory and analysis team, with specific responsibilities for global AML training & communication and Asia advisory. Before switching careers to work in Financial Services, David had an 18-year law enforcement career as a financial investigator & intelligence officer which included 7 years seconded to a crown dependent territory.


Advisory Board Staff Contact

Kieran Beer

Kieran Beer, CAMS
Director of Editorial Content and Editor-in-Chief of ACAMS moneylaundering.com

Kieran Beer joined Fortent in May 2006 to launch a new compliance news and legal research, Fortent Inform. With Fortent’s subsequent purchase of Alert Global Media in January 2007, Beer became editor-in-chief and editorial director of ACAMS moneylaundering.com, which incorporated Inform, Money Laundering Alert and moneylaundering.com.

Prior to joining what has become ACAMS, Beer was executive editor of Bloomberg Wealth Manager, a trade magazine for financial advisers and family offices. He also served as a staff writer for Bloomberg Markets Magazine.

Beer has been a financial journalist for more than 25 years, beginning his career at Institutional Investor, where he worked as a reporter and editor in the newsletter division and was a contributor to Institutional Investor magazine. He served as editor-in-chief of The Bond Buyer, founding editor of Thomson Municipal News/The Bond Buyer Wire and as the editor of the American Banker.

Beer writes a column and periodically reports on money laundering and bank compliance. He has served as a panelist and moderator at industry conferences and appeared on CNN, CNBC, WCBS and spoken on NPR and Bloomberg radio (WBBR).

Email: kbeer@acams.org