Central Texas Chapter

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Upcoming Central Texas Chapter learning events will be announced soon.

Welcome to the CENTEX ACAMS Chapter web page! This new Chapter was founded in April 2011 by an Executive Board composed of professionals from the AML field active in the Central Texas Area.

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.

One of the Chapter’s goals is to promote ACAMS as a platform for career development and professional networking for individuals. In addition, the Chapter will be a resource for financial institutions and related businesses to identify specialists in the rapidly expanding anti-money laundering field by organizing meetings and events of local interest for members and non-members.

We’ll have a variety of events, so all members can benefit. So if you haven’t joined, don’t wait…its easy and inexpensive.

Government discounts available for chapter membership.

Upcoming Central Texas Chapter learning events will be announced soon.

Hiding in Plain Sight: An Investigation into MNCO Financing

Historically, the greatest challenge for multi-national criminal organizations (MNCO) has not been in the production or distribution of narcotic but rather on how the revenue from these activities is captured and dispersed. With estimated annual earnings in excess of $400B, MNCOs continue to develop creative methods to mask the illegitimacy of their businesses. This presentation provides an overview of the leading income streams for Mexico-based MNCOs and how they have evolved over the last two decades. It explores the interdependence of fraud and money laundering investigators and field operators, emphasizing the role each plays in identifying, investigating, and prosecuting such crimes. While DEA plays a significant role in this process, it highlights the lateral support required of other federal agencies, host nation law enforcement, and the U.S. banking industry.

Networking opportunity following the presentation

*To receive the law enforcement & university student discount, please email chapters@acams.org


Dirty Funds and Fruitcake, A Recipe For Fraud

Speaker

Dr. Cecily Raiborn

  • Dr. Cecily Raiborn will dive into the Collin Street Bakery Fraud Case. Dr. Raiborn is an Emeritus Professor of Accounting from Texas State University. She received her Ph.D. in Accounting from Louisiana State University and is a Certified Public Accountant, Certified Management Accountant, and Certified Fraud Examiner.

    During her academic career, she taught at both the undergraduate and graduate levels. At Texas State, she developed the Fraud Prevention and Detection graduate accounting course. She co-authored 60 journal articles, 80 presentations at academic meetings, and five textbooks (including a cost accounting text that was translated into Spanish and Chinese). While on the faculty at Loyola University New Orleans, she received the AICPA/Louisiana CPA Society Outstanding Educator Award.

Real Estate and Money Laundering: Impact of the FinCEN Geographic Targeting Orders

Learn more about the impact of the FinCEN Geographic Targeting Orders (GTO) on the real estate industry, to include a prosecuted real estate case in Bexar County. Industry information will be share on how Title Companies and Financial Institutions should comply with the FinCEN GTO’s.

*To receive the law enforcement & university student discount, please email chapters@acams.org


Joint Account: Banking and Marijuana-Related Businesses

Come learn from the leading industry expert on what aspects of marijuana-related businesses are legal, and whether or not financial institutions can provide services to these businesses

Speakers

  • Steven Kemmerling – CEO & Founder, MRB Monitor

  • MRB Monitor provides independent, robust, reliable and up-to-date corporate intelligence on marijuana-related businesses (“MRBs”) and the people who own/manage them. Prior to founding MRB Monitor, Mr. Kemmerling worked as a corporate M&A investment banker – including time at KBW advising banks – and co-founded a securities litigation consulting firm.

Central Texas Chapter Q1 Learning Event

What’s lurking on the dark web?

The dark web, also known as the digital underground, houses vendor shops and marketplaces for criminals to sell and buy stolen credit cards, debit cards, bank account login info, and a variety of fake IDs and counterfeit currencies. In this session, we will learn how to access this part of the internet, conduct a live tour of popular vendor shops and marketplaces on the dark web, and look for transactions that indicate someone is working with virtual currencies.

Speaker

  • John Meyer, Chief Strategy Officer – Abrigo
    John Meyer has been developing solutions to protect and help financial institutions grow for more than 20 years. He has been a critical part of Abrigo since 2012 when he joined as chief product officer and the company was still known as Banker’s Toolbox. Prior to Abrigo, he was a senior executive with Harland Financial Solutions (now Finastra), where he managed teams providing teller, new account origination, internet banking, item processing, and BSA/CIP solutions for over 2,500 financial institutions. In his early career, John worked for a community bank in Western Pennsylvania. He holds a BS in computer science from the U.S. Military Academy at West Point and an MBA from the University of Washington.

Celebration of National BSA/AML Professionals Day along with the Central Texas ACAMS Q4 Learning event sponsored by Bankers Toolbox

Celebration of National BSA/AML Professionals Day along with the Central Texas ACAMS Q4 Learning event sponsored by Bankers Toolbox

  • What makes a strong BSA risk management program?
  • What key MIS must be in place?
  • How will the regulators identify strong risk management practices?

Speaker

  • Jessica Caballero, CRCM (former OCC regulator) BSA Risk Management

Drinks and light refreshments will be provided.

*To receive the law enforcement & university student discount, please email chapters@acams.org


Human Trafficking: Perspectives

Speakers

  • Joann Alicea – Senior Compliance Officer, ACAMS Houston Chapter Communications Director
  • Lt. William Grayson – San Antonio Police Department Speaker
  • Yonnette Wolfe – CEO of the Rape Crisis Center
  • Jessica Garcia Leal – Criminal Intelligence Analyst, Office the Attorney General of Texas

*To receive the law enforcement & university student discount, please email chapters@acams.org


How is Fintech changing the Financial Industry?

FinTech poses significant regulatory challenges as demand for real time responses, decisions, and interactions are occurring in non-bank institutions, driving demand for financial institutions to follow suit to compete.


Beneficial Ownership: 30-Day Countdown for the CDD Rule Date of Event

  • Free for law enforcement & university students* with a valid Student ID
  • $50 for all other guests

The Value of the SAR from Business, Regulatory, and Law Enforcement Viewpoints

The Suspicious Activity Report (SAR) is central to the federal government’s regime of protecting the U.S. financial system from criminals and fraudsters. The BSA and USA PATRIOT Act structures a partnership among business, regulators, and law enforcement to detect, investigate, and prosecute an array of crimes. In this session, speakers representing business, regulators and law enforcement will reveal their perspectives on how the SAR enables this partnership and helps the U.S. achieve its anti-crime objectives. They’ll shed light on how the SARs filed by businesses eventually lead to apprehending and prosecuting criminals, and share case studies.


Cyber Attacks, Threats and Vulnerabilities

The Central Texas Chapter of the Association of Certified Anti-Money Laundering Specialists will be moderating a panel to discuss Cyber Attacks, Threats and Vulnerabilities on July 20, 2017 at Saint Mary’s University from 4p-6p. The panel will consist of experts from the FBI, DOJ, financial and technology sectors. The panel will discuss a variety of topics in this area from the psychology of how subjects gain access to victims to latest trends, and best practices to guard against these threats. This will be an exciting learning event with the unique opportunity to interact with experts from all areas.


Human Trafficking

Speaker

Harry Jiminez, Assistant Special Agent in Charge, Department of Homeland Security, Homeland Security Investigations (HSI)

Sponsored by Banker’s Toolbox


Current Trends in Cybercrime

Speaker

Steve Gemperle – Special Agent, Electronic Crime Task Force, U.S. Secret Service


José Treviño Morales and the Los Zetas horse-racing money laundering trial

On June 12th, 2012, a multi-agency federal taskforce raided horse ranches in Texas, Oklahoma, California, and New Mexico belonging to José Treviño Morales, brother of Omar and Miguel Treviño Morales (former leaders of the notoriously violent Los Zetas drug cartel). José Treviño Morales was arrested and accused of running a multi-million-dollar money laundering empire for Los Zetas using the horse racing & horse breeding industries.

The ensuing court case and trial became one of the biggest cartel money laundering trials in recent history. On September 5th, 2013, José Treviño Morales was found guilty of the charges in a federal court in Austin, and sentenced to 20 years.

Our guest speaker from the IRS was directly involved in the investigation, and will give expert insight into the case.

Fiserv, the event sponsor, brings to this discussion a perspective on using analytics in battling money laundering and fraud. Andrew Davies discusses the three dimensions of AML risk and how analytics can be used to better understand and deal with customer risk, transaction monitoring trends and to refine alert thresholds to reduce false positives.

Speakers

  • Michael Fernald, Special Agent, IRS Criminal Investigations
  • Andrew Davies, VP Global Marketing Strategy, Financial Crimes Risk Management

Sponsored by Fiserv, a global leader in financial services technology.


The Panama Papers, Beneficial Ownership and Politically Exposed Persons (PEPs)

The recently leaked documents from Panamanian law firm Mossack Fonesca has created urgency for world leaders and lawmakers to address the use of shell corporations for illegal purposes. This event was enough for the nearly five year old proposed rule by FinCEN on beneficial ownership to become final. The Panama Papers illustrate how wealthy individuals, including politically exposed persons, are able to keep the source of their wealth a mystery. Our speaker is the Legal Counsel & Director of Government Affairs for Global Financial Integrity. She will give expert insight into these fascinating topic.

Speaker

Heather Lowe – Legal Counsel & Director of Government Affairs for Global Financial Integrity


Domestic Terror, Bank Fraud, and the Growing “Sovereign Citizen” Movement


Concerning Trends in Cyber-crimes and Prevention through Cyber-security


Virtual Currency, is it here to stay? Where does AML go from here?

Download Presentation


The ACAMS Central Texas Chapter Board invites you to attend our next networking event of 2015


Human Trafficking: What It Is and How Can We Help Combat It?


ACAMS Centex Chapter Learning Event: Current Trends in AML: Ready for 2015?


So What Makes a GREAT SAR?


ACAMS Centex Chapter Learning Event: Multi-industry perspective on AML/BSA Risk Assessments in light of recent actions


ACAMS Centex Chapter Learning Event: Financial Crime Trends in Central Texas


ACAMS Centex Chapter Learning Event: Virtual Currency


USA Patriot Act: Then and Now


Payment Systems Risk


Prepaid Debit Cards


Human Trafficking – Red Flags for the Financial Industry

Holly Sais

Holly Sais
Co-Chair
Veri-Site

Holly Sais is Vice President of Global Operations for Veri-Site headquartered in Austin, Texas.

Veri-Site is the global leader in provisioning risk-relevant intelligence regarding rogue websites, intellectual property theft, cybercrime, web-enabled transnational organized crime, and sanctioned entities operating online.

Holly Sais joined Veri-Site at inception, as Vice President of Global Operations, Holly has over 17 plus years experience in data compliance and risk management solutions. Holly is responsible for day-to-day oversight of Veri-Sites research operations globally, systems, operational finances, sales activity and partnerships. Prior to Veri-Site, Holly was the Global Director of Account Management and Client Services for World-Check a Thomson Reuters business. During her time at World-Check / Thomson Reuters Holly not only managed the global Account Management Teams and all of the Client Services teams globally she also personally managed several top banks around the globe and engaged directly with their Anti-Money Laundering (AML) compliance teams and the heads of AML compliance. Holly worked to ensure they had the data and system necessary to meet heir current compliance guidelines and were ready to adapt quickly to any changes within the compliance eco-system using a risk based approach.

Email: holly.sais@veri-site.com


Mitch Lincoln

Mitch Lincoln
Co-Chair
USAA

Mitch Lincoln is a Senior Governance Advisor for USAA in San Antonio, TX where he has worked in several capacities for the past 16 years. Mitch currently serves as Senior Governance Advisor where he is responsible for conducting Governance, Risk and Compliance functions for USAA’s Enterprise Financial Crimes department. His responsibilities include oversight of USAA’s Identity Theft Prevention and Internal Fraud Programs. Prior to his current role, Mitch was an integral part of USAA’s Fraud and AML Investigations team for over 12 years serving at one time as an Investigator then later in a Manager role. As an Investigator, he was responsible for conducting due diligence investigations related to fraud and AML allegations. As Investigations Manager, Mitch’s responsibilities included oversight of Fraud and AML Investigators, oversight of the Suspicious Activity Reporting program, and primary point of contact for all related audits and exams for the Investigations teams. He has over 15 years banking experience. Mitch earned a bachelor’s degree in Criminal Justice from University of Texas at San Antonio. He has obtained his Certified Anti-Money Laundering Specialist (CAMS) designation from the Association of Certified Anti-Money Laundering Specialists and is a Certified Fraud Examiner (CFE) as a member of the Association of Certified Fraud Examiners.

Email: mitchell.lincoln@usaa.com


Cary Porter

Cary Porter
Communications Co-Chair
Thomson Reuters

Cary Porter, Customer Development Manager in the Governance Risk and Compliance division at Thomson Reuters, the world’s leading source of intelligent information for businesses and professionals. Thomson Reuters Accelus provides technologies and solutions that enable firms to manage business risk and drive business value. Combining industry expertise with innovative technology to deliver critical information to leading decision makers, she ensures customers understand the changing regulations and the potential risks and business impacts.

Cary has more than 12 years experience servicing customers in the banking industry. Prior to joining Thomson Reuters in December 2011, she was eLearning Advisor, at Sheshunoff Information Services, where she was responsible for implementing eLearning compliance courses for banks and credit unions. Prior to Sheshunoff, Cary was a Business Information Consultant at Hoover’s Inc, a Dunn & Bradstreet company. Cary earned a BAIS in International Relations with a business concentration from Texas State University.

Email: cary.porter@thomsonreuters.com


Terry Luttrell

Terry Luttrell
Treasurer
Abrigo

Terri Luttrell is a seasoned AML professional with over 25 years in the banking industry in both medium and large community and commercial banks, most recently within the BSA/AML field. Since joining Banker’s Toolbox in 2012, Terri has used her extensive knowledge of BSA/AML regulations to successfully work with institutions in implementing suspicious activity monitoring programs and various automated solutions, and streamlining processes while ensuring all regulatory requirements are met. She conducts remote and onsite consulting and education services including system calibration, risk assessments, program evaluations, and data evaluations. In addition, she facilitates an on-site, hands on BSA Academy which is held several times each year. Terri holds a BBA in Finance from the University of North Texas, and is a Certified Anti-Money Laundering Specialist (CAMS).

Email: terril@bankerstoolbox.com


Ibelise Acosta

Ibelise Acosta Carroll
Secretary
Security Service Federal Credit Union

Ibelise Acosta Carroll is a BSA/AML Education Consultant with ten years of experience in the retail banking industry. She has worked with mid-sized and large international institutions in a variety of roles, from Teller Officer to Compliance Analyst and BSA Investigator. She has been in her current role as an Education Consultant since July 2015, where she has educated institutions on functionality and best BSA/AML practices, as well as calibrated risk-based systems and works with BSA officers on internal and external projects. She is a Certified Anti-Money Laundering Specialist, a member of the National Association of Certified Anti-Money Laundering Specialists (ACAMS).


Claudia Wilkins
Membership Director
Wells Fargo 

Claudia Wilkins is CAMS certified and serves as a Team Lead/Compliance Officer at JP Morgan Chase in San Antonio. Claudia has over eight years of experience in AML Compliance and Fraud, the majority of that time has come while being employed at JPMorgan Chase (JPM). During this time her duties ranged from initial intake of AML alert referrals, point of contact for Global Compliance for JPM’s various Lines of Businesses, investigations consisting of various typologies from Ponzi schemes to High Risk Auto Exporting to Human Trafficking, SAR filing as well as responsibilities in system testing and analytics. She currently supervises a team of investigators responsible for SAR reviewing and reporting to FinCEN.


Kristin Santini

Kristin Santini
Co-Membership Director
Wells Fargo Bank, N.A.

Kristin Santini is a Regulatory Compliance Consultant for Wells Fargo Bank in San Antonio, TX. She has 14 years of financial services experience with 4 being specific to BSA/AML. Previously she was a Team Lead/Compliance Officer in Financial Crimes Compliance at JPMorgan Chasewhere she was responsible for account investigations and subsequent SAR filings. Kristin was also aBSA Customer Due Diligence Quality Assurance Analyst for Bank of the Westwhere she worked on the customer intake side of the house assuring pertinent regulatory required documentation was obtained and reviewed prior to onboarding new clients.

Kristin holds her Master’s in Business Administration and maintains both the CAMS and CFE credentials. Kristin is currently working towards her certification from the American Bankers Association as a Certified Regulatory Compliance Man


Ray Soto
Programming Director
JPM Chase