Atlanta Chapter

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Upcoming Atlanta Chapter learning events will be announced soon.

Welcome to the Greater Atlanta ACAMS Chapter web page! This new Chapter was founded in 2011 by an Executive Board composed of professionals from the AML field active throughout the Greater Metropolitan Atlanta region. The Chapter’s role is to assist the international association in its mission to advance the professional knowledge, skills and experience of those dedicated to the detection and prevention of money laundering and to combating the financing of terrorism. The Chapter will serve AML professionals throughout Georgia, Alabama and Tennessee by providing meaningful opportunities for ongoing professional development and networking. The Chapter will be a resource for financial institutions and related businesses to identify specialists in the rapidly expanding anti-money laundering field with meetings and events of local interest available to members and non-members. By joining and participating in the Chapter, you can keep your AML skills up to date while developing deeper relationships with others sharing your passion and commitment to protecting their company, customers and communities served.

The Atlanta Chapter of ACAMS launched in June 2011 and was formed to advance the professional knowledge, skills and experience of anti-money laundering professionals in the region. If you are interested in joining the chapter, please click here.

You must be a member of ACAMS to join a chapter. For ACAMS membership information, click here ACAMS Membership.

Upcoming Atlanta Chapter learning events will be announced soon.

Lessons Learned from Recent Enforcement Actions

We have all grown accustomed to reading about BSA/AML enforcement actions and the civil money penalties that go with them. There is no such thing as a perfect BSA Compliance Program. Nor, is there a fail safe way to preclude the possibility of a BSA enforcement action. Still, there is a lot that you can learn from recent enforcement actions. This presentation form Rick MacNamara focuses on common enforcement action provisions, ties them back to the underlying regulatory guidance, and offers best practices to protect your bank and yourself. Rick has over 25 years of experience as a federal bank supervisor and has a unioque insight into this topic.

Speaker

Rick MacNamara
AML Risk Supervision, Federal Reserve Bank of Atlanta


How Data, Technology & Automation are Transforming KYC

Speaker

Mr. Kevin Bogdanov, Thomson Reuters
Kevin Bogdanov is Director of Market Development, Americas for Thomson Reuters’s ‘Customer and Third Party Risk Management’ business. He has spent 12 years leading international teams and programs in the Enterprise Information Services, Technology, Finance, Risk and Compliance sectors. He’s currently exploring how data, technology, automation and AI will disrupt and redefine the practice of KYC and Third Party Risk Compliance.


Joint ACAMS Atlanta & GACFE Professional Networking Event to bring in the New Year!


The Cornerstone Initiative and Homeland Security Investigations

Our Cornerstone initiative was launched in July 2003 to systematically and strategically identify vulnerabilities in financial systems through which criminals launder their illicit proceeds. Cornerstone leverages HSI’s traditional investigative authorities to identify methods and systemic vulnerabilities exploited by terrorists and other criminal organizations to earn, move, and store assets and, in partnership with the private sector, to help close down these identified vulnerabilities. I will also provide a few current trends and offer a question and answer period.

Speaker

Mr. Nathan A. Burnham, Special Agent
Nathan Burnham is a Special Agent with Homeland Security Investigations who is currently assigned to the Financial Investigations and Asset Forfeiture group in Atlanta, Georgia. He began his career with HSI in 2008 in Los Angeles, California and has extensive experience conducting investigations involving complex money laundering schemes, fraud, and other financial-related crimes. He began his law enforcement career in 2000 as a Criminal Investigator with the State of Georgia with the bulk of his experience relating to financial crimes. He is a graduate of Georgia Southern University with a degree in Criminal Justice.


GACFE 3rd Annual Fraud Investigations and Examination Career Day

If you are in between jobs, thinking of a slight career change, or just know of anyone (college student or post grad professional) who would like to get into the field of fraud investigations and examination, then please join the Georgia Association of Certified Fraud Examiners (GACFE) on Friday September 29, 2017. On that day, the GACFE is holding their 3rd Annual Fraud Investigations and Examination Career Day. At this event, you will be exposed to various presentations and workshops from professionals in the anti-fraud industry. There will also be various government agencies and private company employers seeking either candidates for employment or potential internship programs. Whether you are interested in an anti-fraud career within the private or government sector, this event covers it all. In addition, there will be a professional branding and LinkedIn Career Coach who will be conducting an instructional marketing workshop on how to have others recognize your personal brand, as well as the technical and psychological sides of LinkedIn. Feel free to check the day’s agenda for further information. This event is an all day event that will be held at Mercer University’s Atlanta Campus. The registration fee is only $10.00. You are welcome to stay all day or part of the day. A luncheon is also included and parking is FREE!

For any questions about the event, please feel free to contact the GACFE at GACFECareerFair@yahoo.com.

ACFE


Simple Techniques to Improve Data Quality for Enhanced KYC and Transaction Monitoring


Terrorist Financing – an Overview

Speaker

John Mowiser, FBI

John Mowiser has been with the Federal Bureau of investigation (FBI) since 2004. Mr. Mowiser was assigned to the Counterterrorism Division / Terrorist Financing Operations Section where he supported international terrorism investigations by conducting financial intelligence analysis and research. Mr. Mowiser has presented case briefings or counter terrorist finance training to international partners in Canada, Sri Lanka, Pakisatan, and Qatar. A financial analysis conducted by Mr. Mowiser was used in an OFAC designation of a Maryland-based charity associated with a Foreign Terrorist Organization. Mr. Mowiser transferred to the Atlanta Division in 2007 and is assigned to the Joint Terrorism Task Force.

Mr. Mowiser graduated from Florida State University with a degree in International Affairs. Mr. Mowiser began as a bank investigator in an anti-money laundering unit in 1999 and rose the level of Assistant Vice President before leaving for the FBI.


2017 BSA/AML Emerging Risk Symposium


Safely and Profitably Banking Money Service Businesses (MSBs)

Speaker

Mr. Jay Postma, CAMS, CFCS

Mr. Postma is a nationally recognized expert on the nexus of banking and MSB relationships. Since founding MSB Compliance in 2006, Jay has provided consulting services to numerous MSBs, TPPPs and banks on BSA/AML compliance issues, conducted independent reviews, and worked with a variety of businesses to ensure effective risk mitigation.

Persistent fear and the resulting “de-risking” by banks has resulted in significant pain, anxiety and sleepless nights for operators of lawful, compliant MSBs. Recognition of the market pain and resulting fee based revenue opportunities is now beginning to lead many Community Banks to reconsider whether they might safely and profitably serve the MSB market.

Banks have often been pressured to refuse banking services to companies and industries that are deemed of higher potential risk and that may pose a “reputational risk” to the bank. Regulatory communications often simply meant that a bank needed to up their game – their BSA program wasn’t sufficiently robust to address potentially higher risk clients. MSBs were an easy target with banks believing they had improved simply by de-risking. Such banks missed the point and should have instead improved their program.

Mr. Jay Postma, CAMS, CFCS will explain: why consumers and businesses do business with MSBs rather than and in addition to banks; revenue potential in banking MSBs; how to evaluate, approve/disapprove, onboard, and monitor MSB relationships. Regulatory oversight of MSBs will be discussed and key industry associations identified. And, there will be an interesting discussion of the compliance and regulatory issues related to MSBs.

$10 Late fee for any attendee after Friday, November 11th


Wire fraud and business email compromise

Speaker

Emma Waddell

Emma Waddell is Senior Vice President, AML Director in Corporate Risk Management for SunTrust and she will be speaking to our group about the JPMC consent order and her experience coming into a new financial institution.

Ms. Waddell joined SunTrust in 2016 after 13 years with JP Morgan Chase. In her current role, Ms. Waddell leads the Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Department. At JP Morgan Chase, Ms. Waddell held numerous roles in various lines of business: Retail, Asset Management and Corporate Investment Banking where she led large scale technology and change management programs from the strategy to the execution. She has extensive experience in BSA/AML having created and held the AML Executive role in the consumer and Wealth Management business for 4 years. She led this line of business through preparation, response and execution for that firm’s BSA/AML/OFAC Consent Order with policy updates, technology implementation and customer remediation activities. Previously Emma designed and deployed a Know Your Customer and Risk Scoring application within the Asset Management business; to include the remediation of customer information, full integration with customer prospecting and account opening. Prior to JPMorgan Chase, Emma was a management consultant. She earned her Bachelor of Arts in Economics from Rutgers University and her Masters of Business Administration from The University of South Carolina.


Working Under, Learning From, and Leveraging Knowledge Gained from Consent Orders

The National Cyber-Forensics Training and Alliance group will be presenting to the Atlanta ACAMS Chapter and the Georgia Association of Fraud Examiners Chapter on wire fraud and business email compromise.

Speaker:

Tiffany McLee, CAMS, Intelligence Analyst, National Cyber-Forensics Training & Alliance (NCFTA)

Tiffany McLee, CAMS, is an Intelligence Analyst for the Cyber Financial (CyFin) Program at the National Cyber-Forensics Training & Alliance (NCFTA), specializing in cyber threats affecting the financial services industry. Tiffany has the responsibility for providing intelligence analysis on various financial fraud scams including business email compromise (BEC), account takeovers, customer email compromise (CEC) and other scams. Previously, she was a Senior Anti-Money Laundering Investigator for a financial institution. In this role, she was responsible for performing analysis and investigation of complex financial transactions to identify potential money laundering, terrorist financing, and other financial crimes. Prior to the role of Senior Anti-Money Laundering Investigator, Ms. McLee was an Intelligence Analyst for the U.S. Department of Justice where she was responsible for researching and analyzing drug trafficking patterns along the Southwest Border and other trend analysis. Tiffany received her MPIA and B.A. from the University of Pittsburgh.


An Overview of the NYDFS’ Proposed AML Certification Requirements

Speaker

Mr. Daniel is Co-chair of the Payment Systems practice and is a partner in the Corporate Department. He is recognized as one of the country’s leading attorneys in payment systems law, including electronic payments, mobile payments, prepaid cards, virtual and digital currencies, and money transmission. Chris focuses his practice on non-bank and bank financial institutions and other companies participating in the banking and payment systems of the United States, Europe, and Asia.

Presentation


Vegas in Atlanta – Gambling Compliance for AML Professionals

Judy Carter Newberry, Chief Compliance Officer &amp Supervising Partner for Regulatory Compliance at Aldridge Pite LLP, will present on the latest legal, political, and legislative developments for casino gambling in Georgia. In this interactive lunch and learn, attendees will discover the challenges facing a casino as a “financial institution” under Bank Secrecy Act federal regulations and the regulatory challenges unique to a proposed casino located in Georgia. Judy will discuss recent developments, settlement orders, and case law to give perspective on industry trends. Finally, Judy will make predictions about the potential impact of an Atlanta casino to Georgia and to the southeastern region as it relates to establishing a regulatory framework and best practices for casino compliance.

Judy Newberry

Judy Newberry
Guest Speaker

Judy has more than thirty years of legal experience. As the Supervising Partner for Regulatory Compliance at Aldridge Pite, Judy advises financial institutions on compliance matters, including drafting policies compliant with state and federal laws, licensing, managing vendors, preparing for audits, and responding to regulatory examination findings. She has presented on a number of regulatory and compliance issues facing financial institutions and the financial services industry. Judy previously worked as the Deputy Commissioner for Legal & Consumer Affairs at the Georgia Department of Banking & Finance. In her capacity as Deputy Commissioner, she acted as Chief Legal Officer for the state agency charged with the regulatory oversight of state-chartered banks and non-depository institutions, including mortgage lenders and money service businesses in the state of Georgia. Judy worked directly with state legislative counsel, state assembly members, and committees of the Georgia General Assembly on items and legislation relating to the regulation of financial institutions. She also acted as legal advisor to department senior management regarding complex mortgage and banking issues. Judy has served as a subject matter expert for regulatory organizations and has chaired or sat on the board of a number of industry committees.

Aldridge Pite

Banking & Data Analysis – “AML Safe” Marijuana Banking

Guest Speaker: Clark Gilder

Clark Gilder is an Atlanta-based angel investor and technology executive with 30 years of software industry experience who has spent the last 10 years applying new technologies to banking problems. He holds over 10 patents in various banking & electronic payment systems as well as data mining techniques and is now leading a new company to make sales of legal marijuana safe for banking. Prior to launching his own software companies, he spent 12 years at Microsoft in Redmond WA where he worked in various operating roles, including Worldwide Technology Evangelist and as Lead Program Manager on the Windows development team shipping Windows 2000, Windows XP and Windows Server 2003. His accomplishments include being the first two-time winner of the Windows Division “Gold Star” award and being one of the very first Microsoft Certified System Engineers in the World.

Clark has served on the board of the Atlanta Technology Angels (ATA) investment group as well as being Chairman of ZeeWise, the leading service for Franchisee – Franchisor Business Intelligence, along with serving on various “board of advisors” for a number of Atlanta startups. In addition, Clark is the CEO of BankingTHC.com, a next generation BSA product that utilizes the patented data collection technologies from ZeeWise and reapplies them to solve the marijuana banking crisis. Clark joined the software industry after graduating from The Georgia Institute of Technology with a degree in Systems Engineering and Operations Research.


Sanctions: Programs, Penalties, Emerging Trends and Case Studies


Cyber-Laundering: The Monetization of Cybercrime


Prepaid and Emerging Regulatory Issues


ACAMS Atlanta Chapter Lunch-n-Learn


Suspicious activity reports – SAR completion, filing, case examples and latest FinCEN guidance


Beneficial Ownership and Due Diligence


Human Trafficking and Modern Day Slavery


Session Description: Digital Currencies, Third Party Payment Processing, Oh My!

David-Sawyer

David Sawyer
Chair
Sawyer & Company LLC

As a forensic accountant and financial crimes investigator for civil litigation and criminal prosecution, David Sawyer has served as consulting or testifying expert in approximately 300 investigations involving fraud, corruption, financial damages and a variety of other legal disputes.  He has provided expert witness testimony in more than two dozen of those matters.  David served a key role in developing software designed as an early warning system to detect red flags of fraud, waste, abuse and white-collar crime.  He has also worked as an advisor on the global initiative to combat, prevent and detect multi-national economic and military espionage, as well as the proliferation of WMD, terrorist financing and money laundering.

Previously, David was a partner with a Top 50 Regional CPA / Advisory Firm and managing consultant with forensic units of two Big Four accounting firms.  A former internal auditor for Fortune 500 corporations, Mr. Sawyer still regularly consults with organizations on improvements of internal controls, as well as fraud prevention and detection.

David is a Board Member Emeritus of the Georgia Chapter of Certified Fraud Examiners, where he was elected president four times.  Currently, he is a member of the Fraud and Forensic Services Advisory Council for the Georgia Society of CPA’s and is Co-Chairman for the Atlanta Chapter of the Association of Certified Anti-Money Laundering Specialists (ACAMS).  David is a graduate of Auburn University and has addressed thousands of professionals and students on the topic of fraud investigation and forensic accounting.  He is a published author and has provided expert commentary for the Atlanta news media affiliates of ABC, NBC, CBS, Fox and NPR.


Thomas-Williams

Thomas Williams, CRCM, CCBIA, ACT SPECIALIST
Co-Chairman
United Bank

Thomas Williams is a Senior Vice President and the Senior Compliance Manager for United Bank in Zebulon, GA. He has been in banking for over 21 years and has spent the last 13 years working solely in the area of risk management and regulatory compliance. Prior to joining the compliance side of banking, he spent time working in the areas of auditing, bank security, branch management, consumer lending, and credit administration. Thomas is a graduate of Clemson University where he earned a Bachelor of Science degree in Financial Management. Thomas holds the professional designations of Certified Regulatory Compliance Manager, Certified Community Bank Internal Auditor, and At-Risk Adult Crime Tactics (ACT) Specialist.


Morgan-Ruggiero

Morgan Ruggiero
Secretary
Frazier & Deeter

Morgan Ruggiero, CPA CFE. .Morgan is a Senior Associate in the Process Risk and Governance group at Frazier and Deeter. Her experience includes investigations of white collar crime involving fraud, corruption, and financial damages, as well as SOC reporting and business process improvement consulting. Morgan is an active member of the GACFE in addition to Atlanta ACAMS.


Karen-Bitner

Karen Bitler
Co-Secretary
The Piedmont Bank

Karen Bitler has over 35 years of banking experience with regulatory, internal audit, examination, compliance, anti-fraud, risk management and lending knowledge. She is currently a VP at The Piedmont Bank who is responsible for management of the BSA, Information Security, Compliance, Risk and Bank Security areas. Her background and the majority of her experience is centered around financial institutions in all areas of Risk Management and Regulatory Compliance. Her experience includes, Quantum National Bank, Bank of America, MSB Compliance, Inc., ING Insurance Americas, Embassy National Bank, RBS Lync, SunTrust Bank, Inc., GE Consumer Finance, Resolution Trust Corporation, Office of Thrift Supervision, Wells Fargo and FDIC. Karen graduated from Virginia Wesleyan College with a Bachelors in Business Management, received her ACAMS certification in 2013 and has a Six Sigma Greenbelt Certification from GE. She is married with one son who is currently enrolled in a local Technical college.


Amanda Carter

Amanda Carter
Membership
State Bank & Trust Company

Amanda Carter is a Deposit Operations Manager of State Bank & Trust Company. Prior to managing operations support, Amanda provided BSA expertise at another financial institution for a number of years. Amanda holds a Bank Secrecy Act and Anti-Money Laundering Specialist (CBAP) certification with the ICBA as well as an ACT Specialist designation with the Department of Human Services.


William Leopold

William Leopold
Co-Membership
Verizon Wireless

William is currently a Senior Compliance Analyst with Verizon Wireless where he investigates issues of fraud and unethical sales behavior. Previously William was a BSA/AML Investigator for SunTrust Bank and specialized in high risk wire activity. Prior to SunTrust Bank, William was an Atlanta Police Officer for five years and has experience investigating various financial crimes. He has taken courses and received certifications on financial investigations, identity theft and fraud, and intelligence analysis at the Georgia Public Safety Training Center and Atlanta High Intensity Drug Trafficking Area (HIDTA). William served two years in the Israel Defense Forces and achieved the rank of Sergeant. William has a Bachelor of Arts in Political Science from Binghamton University of New York. He is a Certified Anti-Money Laundering Specialist (CAMS) and serves as a Board Member for the Atlanta Chapter.


Kenneth Simmons

Kenneth Simmons, CAMS-Audit, CAMS-FCI, CRCM, ACT
Communications Director
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.


Fernanda Medina

Fernanda Medina
Co-Communications Director
Fiserv

Fernanda Medina serves as Compliance Manager, Corporate Audit Services at Fiserv since April 2018. Prior joining Fiserv, she served as Senior Compliance Analyst – Regulatory Reporting and Licensing for First Data Corporation. Previously, she was BSA/AML Compliance Specialist for MSB Compliance Inc., and worked for a money transmitter company as the Chief Compliance Officer. She holds a Bachelor of Laws Degree from Brazil (JD equivalent) and completed the Paralegal Program from Emory University. She is a Certified Anti-Money Laundering Specialist (CAMS).


Ed Edmister

Ed Edmister, CAMS
Programming Director
Incomm Financial Services, Inc.

Ed is the BSA/AML Risk Manager and Subject Matter Expert for InComm’s global Alt-Pay Programs.  His areas of expertise include Risk & Compliance, Know Your Customer (KYC), Fraud Investigations, and MSB Licensing.  In his current role, Ed works across InComm’s business channels to implement effective risk management solutions and mitigate risks with particular focus on compliance, money laundering and fraud.  InComm is one of the largest prepaid card program managers in the U.S. with an evolving global footprint.

Ed is a retired U.S. Navy Chief that served aboard 5 different nuclear-powered fast attack submarines as well as assignments to other sensitive nuclear command operations centers.  Following retirement from the Navy, Ed spent the next 14 years working as a Fraud Examiner/Investigator and Computer Forensic Expert.  He previously served on the Scientific Evidence Committee at the ABA, as a Forensic Expert Witness, and was noted for his professional acumen in landmark cases involving Scientific Misconduct, BP Oil Spill, Liberty Reserve Money Laundering Case (Costa Rica) and Paramount Studios – Loss Mitigation.

Ed is a Certified Anti-Money Laundering Specialist (CAMS) and serves as a Board Member (Program Director) for the Atlanta ACAMS Chapter.

Email: eedmister@incomm.com


Harry-Dixon

Harry Dixon
Co-Programming Director
Taylor English Duma LLP

Harry Dixon is a litigation attorney at Taylor English Duma, LLP. Prior to joining Taylor English, he practiced with his father, Donnie Dixon, who is both a former District Attorney for the Waycross Judicial Circuit and a former United States Attorney for the Southern District of Georgia. He is a graduate of the University of Georgia Honors Program and the University of Georgia School of Law.

Email: hdixon@taylorenglish.com


David Dinkins

David Dinkins, CAMS, CFE
State Treasurer
Accertify, Inc., an American Express company

David is the Business Development Lead and Subject Matter Expert for Accertify, Inc. with areas of expertise in risk management solutions. In his role, he works with organizations to solve business challenges and design effective risk management solutions to mitigate risks. David has over 13 years of experience in the financial services industry including holding various positions at a large financial technology company and two of the largest U.S. based financial institutions. He has deep knowledge of fraud, compliance and anti-money laundering (AML) processes, analytics and technology and works with global enterprise companies on deploying best practices. David has successfully worked with institutions in implementing suspicious activity monitoring programs, installing various automated solutions, and streamlining processes while ensuring all regulatory requirements are met. He is skilled at recognizing and reducing operational discrepancies/risk, as well as increasing revenue through improving existing systems and implementing customized financial crime and risk management solutions. He is also a Certified Anti-Money Laundering Specialist (CAMS) and Certified Fraud Examiner (CFE)..