Carolinas Chapter

Participate

Upcoming Events

  • Elder Financial Abuse Prevention
  • October 1, 2019
  • Registration: 3:00 PM – 3:30 PM
  • Presentation: 3:00 PM – 5:00 PM
  • Networking Reception: 5:00 PM – 6:00 PM
  • LPL Financial LPL Financial
    1055 LPL Way
    Fort Mill, South Carolina
  • Non-Chapter Price: $30.00
  • Chapter Member Price: $20.00
  • 1 CAMS Credits
  • Read More | RSVP Here

Welcome and thank you for visiting the ACAMS Carolinas Chapter website.

Our Executive Board is comprised of regulators, industry experts, and consultants who specialize in the prevention, detection, and reporting of financial crimes, including money laundering, terrorist financing, sanctions compliance, and fraud.

One of our Chapter’s goals is to promote ACAMS as a platform for career development and professional networking for our community professionals, by organizing meetings, workshops, and events of local interest, where we will present various speakers who are subject matter experts in the industry. We believe this Chapter will be an effective and productive resource, and we strongly encourage your participation.

Upcoming Events

  • Elder Financial Abuse Prevention
  • October 1, 2019
  • Registration: 3:00 PM – 3:30 PM
  • Presentation: 3:00 PM – 5:00 PM
  • Networking Reception: 5:00 PM – 6:00 PM
  • LPL Financial LPL Financial
    1055 LPL Way
    Fort Mill, South Carolina
  • Non-Chapter Price: $30.00
  • Chapter Member Price: $20.00
  • 1 CAMS Credits
  • RSVP Here

Elder Financial Abuse Prevention

The statistics for elder financial exploitation are staggering. According to some estimates, as many as 1 in 10 Americans over the age of 60 have experienced some form of elder abuse at an annual estimated cost of $37 billion. FinCEN recognized the important role financial institutions could play in helping to recognize red flags associated with elder fraud when they issued their advisory in 2011. But, what has changed in the last eight years? Join the ACAMS Carolina Chapter and the Charlotte Chapter of the Association of Certified Fraud Examiners as we present our first joint learning event on Elder Abuse and Fraud Prevention. Industry experts from federal and local law enforcement, along with financial professionals, will share updated information on ever-changing typologies to help ensure our programs can detect, and ultimately, prevent elder financial abuse.

Speakers

  • Amanda Ordemann-Manager of Senior Investors Protection, LPL Financial
  • Randy Berkland, US Postal Inspector
  • Jeff Kearney, Executive Director – Enterprise Fraud, Security and Investigations – Ally Financial
  • Detective T. P. Garrison-Charlotte-Mecklenburg Police Department Financial Crime Unit
  • TBD-US Attorney’s Office

Fireside Chat with OFAC Director Andrea Gacki

Join the Carolina’s Chapter for an exclusive fireside chat with Andrea Gacki, Director of the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury. OFAC is the federal agency charged with implementing and enforcing economic sanctions on behalf of the U.S. government. In this interactive session, Brian O’Toole, AML Executive for Sanctions at BB&T, will be our moderator, and attendees will be given an opportunity to ask questions.

Event is limited to 110 participants. Please be considerate and cancel your registration to allow others to attend in the event of an unforeseen conflict. Attendees can receive refunds up to 7 days before the event date. If you are not already a Carolinas Chapter member, you may purchase an annual membership for $50.00 and participate in events throughout the year at a reduced or free rate of charge. Ask our representatives during registration about this opportunity.

Speakers

  • Andrea Gacki, Director of OFAC of the US Department of the Treasury
  • Brian O’Toole, AML Executive for Sanctions at BB&T

AML and OFAC Symposium-Technology and Hot Topics

Diamond Sponsor: Thomson Reuters
Gold Sponsors: AML RightSource, TD Bank and Protiviti

The Carolinas Chapter is proud to present our first full day Symposium

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Use cases in Human Trafficking

Human Trafficking is one of the largest growing crimes in the United States. North Carolina ranks 8th in the nation, in part due to its military presence, agricultural industry, ports and interstate connectivity to other regions. As AML professionals, we are in a unique position to detect and defend our banks and communities from this crime. Join us as we hear from law enforcement experts about Human Trafficking in our region.

Agenda:
4:45 – 5:00 PM Registration
5:00 – 6:00 PM Kelly Harrison &
MaryCatherine Glenn Covington
6:00 – 7:00 PM Networking Cocktail Reception

Speakers

  • Kelly Harrison, Homeland Security Investigations
  • MaryCatherine Glenn Covington, Homeland Security Investigations

AML and OFAC Symposium-Technology and Hot Topics

Diamond Sponsor: Thomson Reuters
Gold Sponsors: AML RightSource, TD Bank and Protiviti

The Carolinas Chapter is proud to present our first full day Symposium

Download Agenda:

Download Presentations:


Dancing with the SARs

“Write for the expert, but write so the non-expert can understand.”
— Bernard Kilgore

Join the Carolinas Chapter for our first event in historic Charleston, South Carolina. There are a number of different users of SAR information. During this session a law-enforcement professional, a prosecutor and a banker will share their priorities and their essential information requirements when reviewing SARs. There will also be a discussion on the lessons that can be learned – from a number of lookbacks – to improve SAR quality.

Speakers

  • Nicolas Khouri, Senior Compliance Director, Enterprise AML Investigations, Ally
  • Jeremi Blankley, Special Agent Homeland Security Investigations
  • Matt Austin, US Department of Justice, Assistant United States Attorney
  • Jason Chorlins, Principal, Risk Advisory Services, Kaufman Rossin

Terrorist Financing is really happening. What you need to know now.

Join the Carolinas Chapter for a unique opportunity to hear from leading subject matter experts, Dennis Lormel, Michael Emmerman and Rick Small, who will discuss current trends in this crucial area. During this interactive session, our panel will address changes in money flows, the challenges of micro structuring, how government agencies work together to share information with financial institutions, some examples of how terrorists are using cryptocurrencies, the effects of FinTech, and new approaches to name tracking.

Attendees will learn about critical opportunities to enhance the terrorist financing components of their AML Program.

Speakers

  • Dennis Lormel, Founder and President of DML Associates, LLC
  • Michael N Emmerman, Intelligence Analyst, The Special Operations Support Group
  • Rick Small, Executive Vice President Director Financial Crimes Program, BB&T
  • Peter D. Wild. Founder, Wild AML Solutions LLC

10th Annual BSA Conference

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The Carolina’s Chapter has partnered with the United States Attorney’s Office for the Eastern District of North Carolina and the North Carolina Sheriff’s Association to offer our chapter members access to a unique multi-day training event. This 10th annual conference will focus on the Bank Secrecy Act and the important role that financial institutions have in reporting various types of suspicious activity.

Our speakers will include representatives from the Federal Bureau of Investigation, Internal Revenue Service Criminal Investigation, Drug Enforcement Administration, and the U.S. Attorney’s Office. Topics include Cyber Crime, Virtual Currency, Opioid Case Study, Marijuana Banking, AML Hot topics, Sanctions and more.

Please join us for an optional session on Wednesday evening followed by a networking reception sponsored by the Carolina ACAMs Chapter.

Payment by check is available by contacting Don Connelly directly at Don.Connelly@usdoj.gov.


2019-What to Expect in the world of AML

With the New Year just underway, come hear from industry experts on what 2019 may hold for the AML industry.

Moderator

  • Nicolas Khouri, Senior Compliance Director, Ally Bank

Speakers

  • Dan Soto, Chief Compliance Officer, Ally Bank
  • Brian O’Toole, Senior Vice President/AML Executive for Sanctions, BB&T
  • Tyler Reynolds, Enterprise Financial Crimes Compliance Executive, U.S. Bank, NA
  • Leya Bralich, AML Audit Director, Ally Bank
  • Heather Allen, First Vice President – BSA Officer, People’s Bank

“Year in Review 2018” Thursday, December 6th, 2018

As we leave 2018 behind, join us for a cup of kindness and hear from our distinguished panel of experts on what made 2018 a year to remember in the world of AML.

Speakers:

  • Megan Hodge – Executive Compliance Director, BSA/AML Officer – Ally Bank
  • Lisa Grigg – Chief Enterprise Financial Crimes Compliance Executive – US Bank
  • Rick Small – Executive Vice President; Director, Financial Crimes Program – BB&T
  • Paul Daughtry – SVP, Financial Crimes Compliance – Fifth Third Bancorp
  • Laurie A. Bender – Sr. Special Investigator, Department of Justice

“Year in Review 2018” Sponsored by PwC

As we leave 2018 behind, join us for a cup of kindness and hear from our distinguished panel of experts on what made 2018 a year to remember in the world of AML and what to look forward to in 2019!

Speakers:

  • Dan Soto – Chief Compliance Officer, Ally Bank
  • Rick Small – Executive Vice President Director Financial Crimes Program, BB&T
  • Tyler Reynolds – Enterprise Financial Crimes Compliance Executive, U.S. Bank, NA
  • Megan Hodge – Executive Compliance Director, Ally Bank
  • Nicolas Khouri – Senior Compliance Director, Ally Bank

“Human Trafficking-Detecting-and-Combating-The-Threat”

“Enslave the liberty of but one human being and the liberties of the world are put in peril.”
William Lloyd Garrison

It seems inconceivable that our modern world with same day ACH and virtual currency could also be home to the horrors of slavery. Yet, according to national statics, human trafficking is one of the fastest growing illegal enterprises, with reports of trafficking cases in all 50 states. As AML professionals, we are in a unique position to detect and defend our banks and communities from this crime. Join us as we hear from law enforcement and a survivor of human trafficking.

Speaker:

  • Jantzen Blackmon, Department of Homeland Security

Human Trafficking-an Age Old Problem in a Modern World

“Enslave the liberty of but one human being and the liberties of the world are put in peril.”
William Lloyd Garrison

It seems inconceivable that our modern world with same day ACH and virtual currency could also be home to the horrors of slavery. Yet, according to national statics, human trafficking is one of the fastest growing illegal enterprises, with reports of trafficking cases in all 50 states. As AML professionals, we are in a unique position to detect and defend our banks and communities from this crime. Join us as we hear from industry experts, law enforcement and a survivor of human trafficking.

Speakers:

  • Philip DeLuca, SVP Compliance Director, US Bank
  • Kelly Harrison, Department of Homeland Security
  • Jantzen Blackmon, Department of Homeland Security
  • Timea E. Nagy, International Speaker and Survivor of Human Trafficking

Use cases in Private and Public Partnership

Suspicious Activity Reports (SARs) are at the core of an effective AML program and a primary means for Financial Institutions to escalate BSA matters to the US government. For many investigations, the outcome of a SAR filing is unknown. In this session, our panel will share case studies of how SARs aided law enforcement in putting the pieces together for a success investigation.

Speakers:

  • Rick Patel, HSI Assistant Special Agent in Charge, New York office
  • Mike Rodgers, HSI Liaison to FinCEN

Financial Institutions and Marijuana Related Businesses

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Marijuana related businesses have been a challenge for financial institutions ever since some states started legalizing them. This presentation will shed some light on understanding how "legalized marijuana commerce" affects all financial institutions and how to ensure compliance with applicable regulations.

Specifically, the presentation will include:

  • Overview of the Legal Regime
  • Legal Risks to Financial Institutions (FI’s)
  • Projections on Trump Administration
  • The Marijuana Industry Players
  • Banking Direct and Indirect Marijuana Related Businesses (MRB)
  • Examination of Data Display of MRB and Beneficial Owners
  • Introduction to Due Diligence Models, KYC Procedures

This educational session is a must attend for all banks regardless of whether they bank or don’t bank MRBs or if they are in a "legalized" state.

Speakers:

  • Robert Goldfinger CAMS CFS Cmdr. CID (ret.), President, NominoData
  • David B. Chenkin, Esq., Partner, Zeichner Ellman & Krause LLP

Deep Dive: Virtual Currency 101

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Virtual currency, crypto currency, blockchain…what was once an esoteric topic is increasingly becoming mainstream. What does it all really mean, and what should you know about it to make sure your AML Program is keeping pace? We’ll dig into the topic, starting with the basics of how Virtual Currency works. From there, we’ll hear from law enforcement on how they’re seeing virtual currency move into financial crimes, and then a panel of bankers will discuss how they’re thinking about and approaching these new risks within their organizations.


Year-In-Review

The ACAMS Carolinas Chapter will be accepting donations for “Toys for Tots”, a program intended to collect new, unwrapped toys as holiday gifts to less fortunate children in the community. Please consider bringing an unwrapped gift or donation for this worthy cause!

Speakers:

  • Lisa Grigg, U.S. Bank, Chief Enterprise Financial Crimes Compliance Executive
  • Rick Small, BB&T, Executive Vice President; Director, Financial Crimes Program
  • Dan Soto, Ally Financial, Inc., Chief Compliance Officer

ACAMS Carolinas Chapter Double Session Event

Speakers:

  • Nick Annan, Special Agent in Charge (SAC), Homeland Security Investigations (HSI)
  • Dave Marwell, RCA Manager, AML Investigations, US Bank
  • Joseph Gallion, SVP – BSA/AML Special Investigations Manager, BB&T

Cornerstone Initiative

Speaker:

Lee Brown
National Program Manager

Illicit Proceeds of Crime Unit
Homeland Security Investigations


CDD Final Rule: One Year Out

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The ACAMs Carolinas Chapter’s most recent event, “CDD Final Rule: One Year Out” was held at the Wake Forest Center in uptown Charlotte on June 27, 2017. Around 60 attended from various institutions. 

Monique Anikwue (Wells Fargo), Megan Nelson (BB&T), and Cheryl Thompson (Fifth Third Bancorp) led a panel discussion and began with an overview FinCEN’s final rule followed by the efforts to implement and the impacts on policies, processes and systems at each of their institutions. They spoke about the progress towards the May 2018 implementation date and some of the challenges faced.

Attendees enjoyed refreshments and networking immediately following the event.

If there was any information provided during the event about which you would like to know more, please contact us at carolinaschapter@acams.org.

The Carolinas Chapter would like to thank the event speakers for their support:

  • Monique Anikwue, Wells Fargo
  • Paul Dougherty, Fifth Third Bancorp (moderator)
  • Megan Nelson, BB&T
  • Cheryl Thompson, Fifth Third Bancorp

“Connecting the Dots: Best Practices for Identifying, Assessing, and Monitoring AML Risk”

Speakers

  • Jason Chorlins, CPA, CFE, CAMS, CITP
    Principal – Risk Advisory Services
  • Ivan A. Garces, CPA, CFE, CFF, CAMS
    Principal – Risk Advisory Services Practice Leader

Advisory on Cyber-Events and Cyber-Enabled Crime

The ACAMs Carolinas Chapter event, “Advisory on Cyber-Events and Cyber-Enabled Crime” held at the Fifth Third Center in uptown Charlotte on March 9, 2017, was a success. More than 100 people from over 25 firms across the Carolinas region were in attendance.

Special guest, Tim Bhatt, CISO at Ally Financial, kicked off the program with an overview of cyber risks. Bhatt engaged the audience in the discussion and raised some interesting questions regarding cyber security in today’s technologically advanced world.

Next, Paul Dougherty (Fifth Third), Kelley Chamberlain (Wells Fargo), and Carlos Orel (TD Bank) led a panel discussion on how to incorporate cyber event data into AML operations. Each panelist brought a unique perspective to the table. Paul Dougherty initiated the conversation by discussing the FinCEN Advisory issued to financial institutions in October 2016 and the four components of it:

  1. Reporting cyber-enabled crime and cyber-events through SARs
  2. Including relevant and available cyber-related information in SARs
  3. Collaborating between BSA/AML units and in-house cybersecurity units to identify suspicious activity
  4. Sharing information, including cyber-related information, among financial institutions to guard against and report money laundering, terrorism financing, and cyber-enabled crime.

All of the panelists stressed the importance of communication between IT departments and AML groups and discussed the efforts to create a more formalized process to achieve this at their institutions. There was also dialog about the interest regulators are taking in banks’ efforts around cyber-events and cyber-enabled crime and the positive feedback received from law enforcement regarding the work being done at financial institutions to aid investigations, identify criminals, and disrupt and dismantle criminal networks.

Attendees enjoyed refreshments and networking immediately following the event.

If there was any information provided during the event about which you would like to know more, please contact us at carolinaschapter@acams.org.

The Carolinas Chapter would like to thank the event speakers for their support:

  • Tim Bhatt, CISO, Ally Financial
  • Paul Dougherty, 5th 3rd Bancorp
  • Kelley Chamberlain, Wells Fargo
  • Carlos Orel, TD Bank

8th Annual Bank Secrecy Act Seminar

Brochure | Agenda


Carolinas Chapter December Event

Speaker:

  • Richard Weber
    Chief
    Criminal Investigation at Internal Revenue Service

The Chief’s message will focus on the agency’s history, current challenges, and FY17 priorities. Priorities include the agency’s core mission tax investigations (employment, corporate, international/offshore, abusive tax schemes, refund crimes) and non-tax investigations (terrorism, narcotics, and cybercrimes).


CDD – Beneficial Ownership Rule/5th Pillar and Risk Assessments

Speakers:

  • Jason Chorlins, CPA, CFE, CAMS, CITP
    Principal – Risk Advisory Services
    Kaufman Rossin
  • Ivan A. Garces, CPA, CFE, CFF, CAMS
    Principal – Risk Advisory Services
    Kaufman Rossin
    Download Bios

Trade Based Money Laundering

Speakers:

Introductions by John Byrne, Executive Vice President, ACAMS

Mr. Byrne is an internationally known regulatory and legislative attorney with close to 30 years of experience in a vast array of financial service related issues, with particular expertise in regulatory oversight, policy and governance, anti-money laundering (AML), privacy and terrorist financing. He has written over 100 articles on AML, asset forfeiture and privacy; represented the banking industry in this area before the United States 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.

Mr. Byrne has received a number of awards, including the Director’s Medal for Exceptional Service from the US Treasury Department’s Financial Crimes Enforcement Network (FinCEN) and the ABA’s Distinguished Service Award for his career work in the compliance field.

John Cassara, former Dept. of Treasury, noted author

John Cassara retired after a 26 year career in the federal government intelligence and law enforcement communities. He is considered an expert in anti-money laundering and terrorist financing, with particular expertise in the areas of money laundering in the Middle East and the growing threat of alternative remittance systems and forms of trade-based money laundering and value transfer. He invented the concept of international “Trade Transparency Units,” an innovative countermeasure to entrenched forms of trade-based money laundering and terrorist financing. A large part of his career was spent overseas. He is one of the very few to have been both a clandestine operations officer in the U.S. intelligence community and a Special Agent for the Department of Treasury.

His last position was as a Special Agent detailee to the Department of Treasury’s Office of Terrorism Finance and Financial Intelligence(TFI). His parent Treasury agency was the Financial Crimes Enforcement Network (FinCEN), the U.S. Financial Intelligence Unit (FIU). He worked at FinCEN from 1996-2002. From 2002-2004, Mr. Cassara was detailed to the U.S. Department of State’s Bureau of International Narcotics and Law Enforcement Affairs (INL) Anti-Money Laundering Section to help coordinate U.S. interagency international anti-terrorist finance training and technical assistance efforts

During his law enforcement investigative career, Mr. Cassara conducted a large number of money laundering, fraud, intellectual property rights, smuggling, and diversion of weapons and high technology investigations in Africa, the Middle East, and Europe for a variety of federal agencies. While assigned to the Office of the Customs Attaché in Rome, Italy, he directed the first truly international money laundering task force, called Operation Primo Passo, (“First Step”). The innovative operation combated Italian/American organized crime by examining the movement of money between the two countries and represented an early use of financial intelligence to proactively initiate investigations. During his customs career, he also served two years as an undercover arms dealer. He began his career with Treasury as a Special Agent assigned to the Washington Field Office of the U.S. Secret Service.

Since his retirement, he has lectured in the United States and around the world on a variety transnational crime issues. He is a industry advisor for SAS – the analytics company. Mr. Cassara has authored or co-authored several articles and books, including Hide and Seek, Intelligence, Law Enforcement and the Stalled War on Terrorist Finance (2006 Potomac Books) and On the Trail of Terror Finance – What Intelligence and Law Enforcement Officers Need to Know (2010 Red Cell IG). In 2013, his first novel was released – Demons of Gadara. Trade-Based Money Laundering: The Next Frontier in International Money Laundering (Wiley) was released in November, 2015.


Dissecting FinCEN’s Client Due Diligence Rule: understanding the final rule and preparing for implementation

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BSA/AML Model Risk Best Practices


Trends in Alternative Payment Risks


Understanding Today’s Terrorist Threats and Risks


Model Validation and Risk Modeling

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International Trends in Money Laundering


The Role of the Department of Defense in AML and CTF Efforts

Presented by: Joseph Sinicrope, Lieutenant Colonel Retired USMC

Elder Abuse – Telemarketing and Lottery Fraud


Turning the Tables – Join us for a candid question and answer session around issues and trends in AML Audits and Exams


Elder Abuse – At Risk Persons


SAR Review Teams Nationwide, the Columbia SC Financial Crimes Task Force, And SAR Trends and Tips for Preparing SARs for Law Enforcement


Investigation Trends and the New SAR Form

Melissa L. Morelli

Melissa L. Morelli, CAMS
Chair
US Bank

Melissa Morelli is a Financial Crimes Compliance Risk Manager at U.S. Bank responsible for providing oversight of Financial Crimes risk and implementation to the Retail Line of Business. Prior to joining U.S. Bank, Melissa held various AML and Compliance roles at a large financial institution for approximately 15 years. Roles included Regulatory Relations Liaison, Financial Crimes Investigator, Financial Crimes Investigations Operational Manager, Global Financial Crimes Enterprise Training Manager and Global Financial Crimes Strategy and Operations Manager. Melissa has presented in various ACAMS training webinars in regards to Suspicious Activity Reporting and SAR Quality Assurance and as a panel speaker.

Email: melissa.morelli@usbank.com


Megan Davis Hodge

Megan Davis Hodge
Co-Chair
Ally Financial

Megan Davis Hodge is the Executive Compliance Director, BSA/AML Officer for Ally Financial. Prior to joining Ally, Hodge was with Royal Bank of Canada for 11 years. She served as US Regional Head of AML, responsible for overseeing the AML programs for RBC’s US-based entities. Hodge also served as the Chief Compliance Officer for RBC Bank and Head of Compliance for RBC’s US International Wealth business, and joined RBC Bank in 2005 as Director of AML and BSA Officer. Hodge spent time at Bank of America and began her career with Accenture. Hodge serves as the co-chair of the ACAMS Carolinas Chapter and is on the Board of the ABA/ABA Money Laundering Enforcement (MLE) Conference. Hodge has testified before the Congressional Oversight and Investigations Committee on Financial Services on behalf of the American Bankers Association. She holds a BSBA from The University of North Carolina at Chapel Hill.


James Arndts

James (Jim) Arndts, CAMS
Treasurer
Wells Fargo N.A.

Jim Arndts is the Financial Crimes Control Executive at Wells Fargo N.A. for Payments, Virtual Solutions and Innovation (PVSI). In this role he is responsible to manage money laundering, fraud, model risk, credit bureau and other related risk control functions for the front line business.  The team focuses on payments, treasury, deposit products, virtual channels and innovation risk management. Mr. Arndts has worked in the Financial Crimes Compliance industry for over 17 years and prior to joining Wells Fargo N.A. he lead Financial Crimes Strategy & Transformation for U.S. Bank.  Prior to U.S. Bank he was the BSA Officer at Capital Bank where he led the AML and Fraud teams. He also held multiple AML positions with RBC where he was most recently the Head of the Global AML Financial Intelligence Unit, based in Toronto, ON. Prior to joining RBC in 2007, Jim worked at Bank of America where he was a Senior Risk Technology Manager and responsible to manage the AML technology program.

Jim Arndts has an MBA from the McColl Scholl of Business at Queen’s University of Charlotte and a Bachelor’s degree in Management Information Systems from Ohio University. Mr. Arndts is a Certified Anti-Money Laundering Specialist, regularly participates in industry working groups and regularly speaks at anti-money laundering industry conferences.


April Siniscope

April Sinicrope
Membership Director
US Bank

April Sinicrope joined the Enterprise Financial Crimes Compliance team at US Bank in 2017 as the Risk Manager supporting US Bank Investments and US Bank Asset Management. Mrs. Sinicrope has worked in the industry for over 20 years. Prior to joining US Bank in February 2017, she was with several firms, including Citi, LPL Financial, Wachovia Securities and Edward Jones Investments where she took on a myriad of roles with increasing responsibilities which provided her a detailed understanding of many aspects within a financial institution. Mrs. Sinicrope has received a Bachelor of Science from Park University and a Master of Business Administration from the University of Phoenix. She is FINRA Series 7 and 24 registered as well as a Certified Anti-Money Laundering Specialist and a Certified Fraud Examiner.

Email: April.Sinicrope@usbank.com


Susan Sanchez

Susan Sanchez
Co-Membership Director

TD Bank

Susan holds the role of Senior Vice President, Head of Global AML Operations Support and AML Testing at TD Bank, America’s Most Convenient Bank. She is based in Lexington, SC and is responsible for the Global Demarketing, AML Exception Processing, AML Testing and AML Operations QA program. TD Bank, America’s Most Convenient Bank® is one of the 10 largest banks in the U.S. with an extensive network of approximately 1,300 locations from Maine to Florida. TD Bank is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. Before joining TD Bank 5 years ago, Susan held roles in Regulatory Compliance with South State Bank, based in Columbia, SC, and Client On-Boarding and Due Diligence with ABN AMRO Bank, based in Chicago, IL and Amsterdam in the Netherlands rounding out her 15 years of experience in AML and Compliance functions.

Susan holds a Bachelor of Science Degree in Organizational Development from Loyola University Chicago. She is a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) and the Association of Certified Financial Crimes Specialists; and is past-Treasurer of the FBI Columbia Citizens Academy Alumni Association.


Paul Dougherty

Paul Dougherty
Co-Membership Director, NC
Fifth Third Bank

Paul B. Dougherty is the Director of Financial Crimes Compliance at Fifth Third Bank where he leads the Anti-Money Laundering and Economic Sanctions programs. He is responsible for ensuring compliance with applicable financial crimes laws and regulations along with overseeing all financial crimes operations and risk management functions. Prior to joining Fifth third, Paul worked at Bank of America for ten years, managing the North America AML Risk Management team and the Financial Intelligence Unit.


Carl Francois
Co-Membership Director
South State Bank


Dan Boylan
Co-Programming Director
Bank of America


Heather Allen
Co-Programming Director
Peoples Bank


Peter Wild

Peter Wild
Co-Programming Director
Wild AML Solutions

Peter is a senior consultant specializing in Operational and Information Technology {IT} Auditing and Training covering the Anti-Money Laundering/Counter Financing of Terrorism {AML/CTF} and Sanctions business processes and supporting computer applications.

In 2016 he retired from J.P. Morgan as a Senior Audit Manager with over 10 years of experience of managing Operational and IT audits of AML/CTF and Sanctions. 

As a Senior Manager with Touche Ross in London he managed the IT and operational audit work for many UK and European clients.  Upon arriving in America in 1980, he was the IT Audit Director at Republic National Bank of New York, then a Senior Audit Manager with Coopers & Lybrand and later the IT Audit Director and Deputy CIO at Melville Corporation.

He is a Fellow of the Institute of Chartered Accountants in England & Wales {FCA}, a Past President of the NY ISACA Chapter.  He is also a recipient of the Wasserman Award for outstanding contributions to IT Audit and Security. 

As a founding member of the CAMS Audit Faculty, he frequently teaches the CAMS Audit Course. In 2016 he was a Task Force Vice Chair for the project to develop the current version of the CAMS Certification Examination and the related Study Guide and he frequently teaches the CAMS Examination Preparation Course.  He is a frequent speaker at ACAMS Conferences and a recipient of the ACAMS Volunteer of the Year Award.  He was the Co-Chair of the ACAMS New York Chapter between 2013 and 2018 and is currently on the Board of the Carolinas Chapter.


Robert Goldfinger

Robert A. Goldfinger, CAMS, CFS, Cmdr. CID (retired)
ACAMS Headquarters Communication Director
BAE Systems

Robert A. Goldfinger is the  Banking Global Expert of Financial Crimes Solutions for BAE AI.

With nearly three decades of leadership experience in the public and private sectors, Mr. Goldfinger brings a unique combination of management expertise, operational and investigation leadership across business environments that require technology and investigative solutions.

Mr. Goldfinger has held leadership positions within the   Fraud/Risk Management sector at multiple firms including financial services and technology entities. He has a proven ability to design both operational and technical approaches to enhance Risk, Fraud and Compliance programs for financial institutions. Mr.Goldfinger’s background within the Compliance, Anti- Money Laundering/Combating Terrorist Financing, Security and Operational Risk disciplines allow him to view overall risk bank operations with a practical risk based approach.

Mr. Goldfinger is a retired Law Enforcement Executive having served with the Rochester New York Police Department. During his tenure in Law Enforcement, he held numerous leadership positions including Commanding Officer of Criminal Investigations, Director of Training and Development, and Internal Investigation Command managing use of deadly physical force, corruption and integrity investigations.

Mr. Goldfinger is a Certified Anti-money Laundering Specialist (CAMS). He is a founding member and former Co-Chair of ACAMS Carolinas Chapter,and serves on ACAMS TODAY editorial task and ACAMS educational task forces. He is a frequent speaker at US domestic and international conferences on organizational efficiency, utilization and design of due diligence tools, threat and risk management, fraud and Anti-money Laundering. Mr. Goldfinger is widely published in a variety of industry periodicals. He is an adjunct Law Professor at Case Western University, School of Law.

Email: robertgoldfinger007@gmail.com


Beth Herron

Beth Herron
Communications Director
SAS

Beth Herron is a Senior Solutions Architect within the Global Financial Crimes Practice for Banking and is responsible for providing domain expertise in the development, marketing and implementation of Anti-Money Laundering and Fraud solutions worldwide. She has over 10 years of experience supporting Financial Services, including 4 years within Bank of America’s Financial Intelligence Unit. As the subject matter expert for analytics, monitoring and case management, she provided responses to AML audit and exam inquiries in more than 40 countries throughout Europe, the Middle East and Africa, Asia Pacific and the Americas. Her experience also includes the strategy and transformation of customer risk assessment, Fraud and AML system integration, and Single View of the Customer initiatives.

Beth holds a Master’s degree in Industrial Organizational Psychology, serves on the board of the ACAMs Carolinas Chapter, and is a Certified Anti-Money Laundering Specialist.

Email: Beth.Herron@sas.com


Lisa Grigg

Lisa Grigg
Board Advisor
U.S. Bank, Chief of Enterprise Financial Crimes Compliance

Lisa is responsible for Enterprise Financial Crimes Compliance globally. She is the BSA Officer for US Bank and is responsible for the oversight and management of AML Compliance, Counter-Terrorist Financing, Economic Sanctions and Anti-Bribery Compliance.

Her organization provides the company and business units with direction, guidance, monitoring and assistance necessary to comply with effective compliance laws and regulations.

Lisa joined US Bank in February, 2015. Prior to joining US Bank, she has spent the last 16 years in senior management positions leading varous AML and Fraud organizations.

Before moving into the banking industry, Lisa was a Special Agent with the United States Secret Service with both protective and investigative responsibilities. Lisa has been instrumental in estabilishing and maintaining working relationships with law enforcement and related government agences on investigative matters.

Lisa is based in Charlotte, NC and is a graduate of Radford University. She is both ACAMS and CFE certified and participates in many industry groups and was a special invitee to the 25 most powerful women in Banking gala ( America Banker) in 2016. Lisa speaks regularly at conferences and serves on the board of the ACAMS Carolinas chapter and International Banking Security Association (IBSA). Additionally, Lisa serves on several financial crime conference committees and is involved in her local community.

Email: lisa.grigg@usbank.com


Lisa Grigg

Chris Healy
Law Enforcement Liason
Department of Homeland Security

Chris Healy currently serves as the Assistant Special Agent in Charge for Homeland Security Investigations (HSI) in Charlotte, North Carolina.  Mr. Healy has oversight of all of HSI investigative purview in North Carolina, with oversight of 5 offices throughout the state. 

In his current position, Mr. Healy manages all of HSI’s complex federal law enforcement investigative programs related to national security and smuggling violations, including money laundering, counter-proliferation, financial crimes, commercial fraud, human trafficking, human smuggling, narcotics smuggling, transnational gangs, cyber-crimes, child pornography and exploitation, and document and benefit fraud.  He has oversight of a diverse cadre of federal agents, intelligence analysts, and professional administrative staff.  He also oversees a number of HSI-led multiagency task forces, which include state, local and federal law enforcement members working together to target cross-border criminal organizations that exploit the legitimate travel, commercial trade and financial systems. 

Mr. Healy began his career in 1997 in Nogales, Arizona as a Special Agent with the former United States Customs Service where he worked narcotics smuggling and financial investigations.  In 2001, Mr. Healy transferred to the Newark, NJ office where he primarily worked money laundering investigations targeting Colombian based money launders using the banking system to further their illicit activities.  In 2003, Mr. Healy was promoted to Homeland Security Investigations headquarters in Washington, DC where he was served as the Department of State Liaison overseeing export investigations involving weapons and sensitive technology.  In 2007, he transferred to Atlanta, Georgia as a Group Supervisor over the David Wilhelm Narcotics Strike Force focusing on narcotics and bulk cash smuggling investigations.  Mr. Healy was promoted in 2012 to serve as the Resident Agent in Charge for the Charlotte, NC office of investigations.  In July 2016, Mr. Healy was again promoted to his current position of Assistant Special Agent in Charge for North Carolina. 


Daniel D. Soto

Daniel D. Soto, CAMS
Board Advisor
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


Nicolas Khouri

Nicolas Khouri
Programming Director
Ally Financial

Nicolas Khouri is currently a Senior Compliance Director at Ally Bank overseeing AML Investigations. As part of his role, Nicolas manages a team that handles all AML investigations, SAR filing and all law enforcement requests. Prior to that Nicolas was a Senior Audit Director with Ally Bank overseeing all of Compliance and Legal.

Nicolas has over 20 years of financial institutions and investment banking auditing and compliance 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 domestic and international AML regulations.

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), American Bankers Association (ABA), Florida International Banking Association (FIBA), The Institute of Internal Auditors (IIA) and the Financial Markets Association (FMA).


Megan Nelson

Megan Nelson
Secretary
BB&T

Megan Nelson is the Senior Vice President, Manager Financial Crimes Governance and Risk Assessments for BB&T. Megan took on this new role in August of 2016, where she is responsible for establishing and maintaining Company-wide anti-money laundering and sanctions risk assessments, testing and governance methodologies and processes.

Prior to joining BB&T, Megan was the Vice President over the Global Financial Crimes Compliance Risk Management Office for American Express.  In this role, Megan had responsibility for enterprise-wide development of standards and processes related to Customer Due Diligence, Financial Crimes risk assessments, and Customer Risk Rating. Prior to that role Megan served as the Bank Secrecy Act/Anti Money Laundering Officer for American Express Bank, FSB.

Prior to American Express, Megan served in various Compliance leadership roles including Bank Control Officer for GE Capital, where she led risk identification, assessment, and testing in Compliance and as the Chief Compliance Officer and Bank Secrecy Act Officer and Anti-Money Launder Officer for a banking organization owned by Lehman Brothers.

Megan graduated from Mesa State College. She and her husband, Burke, have two children and reside in Winston-Salem, North Carolina.


Eddie Robinson

Eddie Robinson
Co-Secretary
TIAA-CREF

Eddie is currently Managing Director, Chief AML & Sanctions Officer at TIAA where he is responsible for leading the enterprise AML and Sanctions program, which includes eight programs for TIAA Bank, affiliated insurance companies, broker dealers and investment companies. Prior to this position, Eddie served as the BSA & Sanctions Officer for TIAA Bank as well as Enterprise Financial Intelligence Unit Director, where he led the firm’s AML Investigations initiatives.

Prior to joining TIAA in 2014, Eddie worked for Ally Financial where he spent the majority of his tenure managing the Global AML Investigations Unit, and later served as the Head of OFAC and Global Sanctions. Prior to that, he was Senior Compliance Officer at Washington Mutual/JP Morgan Chase where he assisted in the remediation of various enforcement actions. Eddie also served at USAA, where he focused on Know Your Customer and OFAC initiatives.

Eddie is a Certified Anti-Money Laundering Specialist (CAMS) and Certified Fraud Examiner (CFE), and is an advisory member on US Treasury’s BSA Advisory Group.

He holds a B.S. in from The University of Texas at San Antonio and a Juris Doctorate from St. Mary’s University School of Law.