Michigan Chapter

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Upcoming Michigan Chapter learning events will be announced soon.

Welcome to the Michigan ACAMS Chapter web page.

Our chapter was launched in 2017 by an Executive Board comprised of anti-money laundering professionals throughout the state of Michigan. The Chapter is committed to assisting ACAMS International in its mission “to advance the professional knowledge, skills, and experience of those dedicated to the detection and prevention of international money laundering” by providing:

  • A forum for collaboration and networking opportunities with local AML professionals and industry experts
  • Educational resources focusing on region-specific topics and areas of concern
  • Training and Workshops with subject matter experts, which may earn continuing education credits for certain events
  • Career/professional development opportunities

Please feel free to contact us with questions or comments.

If you are interested in joining, please click here.

Upcoming Michigan Chapter learning events will be announced soon.

Occupational BSA & Fraud Detection

Speaker

William Greshak Professor – Walsh College


Money Laundering Trends Seminar

Speaker

Bruno P. Genrich, DHS/ICE Homeland Security Investigations


ACAMS Michigan Chapter 1st Quarter Continuing Education Event

On March 1, 2018 the ACAMS Michigan Chapter hosted its first continuing education event. Approximately seventy attendees had the opportunity to enjoy breakfast while networking with individuals from various financial institutions and law enforcement agencies before hearing two presentations.

FBI Special Agent Bob Beeckman gave a very intriguing presentation on the investigation and prosecution of Detroit’s former mayor, Kwame M. Kilpatrick, as well as other city officials. The presentation exposed the corruption that was present during Kilpatrick’s administration, and provided the audience with important lessons for the future.

Tom Lazard of Crowe Horwath gave a very timely presentation on Beneficial Ownership that was very interactive between Tom and the attendees. There were many questions presented around different nuances associated with the initiative and this helped to create a very engaging and enlightening discussion on the topic.

The chapter’s board couldn’t be happier with the turnout for this first educational event and is very excited to continue to grow the chapter’s membership, along with starting to formulate thoughts for the next event!


ACAMS Michigan Chapter Launch Event

On October 4, 2017, the ACAMS Michigan Chapter held its inaugural launch event. Over sixty attendees enjoyed breakfast and the opportunity to network with individuals from various financial institutions and law enforcement agencies.

Craig Money, Chair of the Michigan Chapter, did an introduction of the board members and discussed the chapter’s vision around the growth and enhancement of relationships between financial institutions and law enforcement agencies within the region. The chapter is dedicated to this vision, along with helping to advance the knowledge and skills of local AML professionals within the community.

Bill Cloninger, Co-Chair of the ACAMS Northern Ohio Chapter, was the guest speaker for the launch event. Mr. Cloninger gave a wonderful, very well received, presentation to the attendees around a case study involving a SAR from its starting to end points as it relates to both financial institutions and law enforcement agencies.

On behalf of our executive board, we would like to thank Community Financial Credit Union for sponsoring the event, as well as all of the attendees for their strong support in helping the launch be such a success.

Craig Money

Craig Money
Co-Chair
Community Financial Credit Union

Craig Money is the BSA Officer and Manager of the Deposit & Payment Risk department for Community Financial Credit Union. The DPR department performs many functions for the credit union including, managing the BSA Compliance program, Fraud Investigation program, along with the fraud/BSA analytics review and garnishment and levy processing. Beyond these core functions, the department also acts as a help desk for branches, performs fraud mitigation training, as well as creates and enhances the credit union’s policies and procedures relating to areas falling under the team’s umbrella.

Before joining CFCU, Craig previously worked for over twelve years at PNC, holding different positions which included those in loss prevention, auditing and AML. This experience led to Craig managing a loss prevention team for the Detroit market of PNC whose responsibilities included the risk oversight/management of: audits, cash counts, compliance, and legal and non-credit loss issues for over 120 branches in the market.

Craig holds a Bachelor’s degree in Business from Baker College, a Master of Management degree from Walsh College, and is a Certified Anti-Money Laundering Specialist.


Anna Sperling

Anna Sperling
Co-Chair
Independent Bank

Anna Sperling is the BSA Officer and Vice President, Financial Investigations Manager for Independent Bank. Anna created the bank’s loss prevention department in 2006, which evolved into a comprehensive financial investigations unit in 2011. Her department’s responsibilities include maintaining the bank’s fraud and BSA/AML programs, as well as overseeing suspicious activity monitoring and managing cross-channel fraud investigations (deposit, loan, debit card, and money laundering). As BSA Officer, Anna is responsible for all aspects of the bank’s BSA/AML & OFAC compliance program, which includes conducting risk assessments, enhancing policies and procedures, and administering AML & fraud monitoring software.

She started her banking career with Standard Federal Bank, (now Bank of America) as a fraud investigator. In this role, she conducted numerous complex financial fraud investigations including ATM fraud, counterfeit check fraud, and internal embezzlement, referring criminal cases to law enforcement for prosecution.

Anna has over fifteen years of banking experience. She earned a Bachelor of Business Administration from the Ross School of Business at the University of Michigan. She is a Certified Anti-Money Laundering Specialist (CAMS) and a Certified Fraud Examiner (CFE).


Gerald Cutler

Gerald Cutler
Co-Programming Director – Events
GM Financial

Gerald is a Senior Audit Manager at GM Financial (GMF) International Operations. He has served in this capacity since 2014. His current duties include providing management oversight of scheduled audits and the communication of results to management. Additionally, he oversees Sarbanes-Oxley independent testing of financial control. Annually, Gerald assists in the development of the organizational risk assessment and audit plan.

Gerald has 16 years internal audit experience including 4 years at a global public accounting firm. He has routinely managed audit teams across multiple countries. Gerald’s skills include engagement planning, budgeting, team management, documentation review, project status reporting, as well communication of the respective findings to audit and client management. Previous to GMF, he has worked in an internal audit capacity at Ally Financial, KPMG, and Comerica Bank. Gerald has a bachelor’s degree in accounting, and an MBA. He is a Certified Internal Auditor (CIA) in addition to maintaining a CCSA (Certification in Control Self-Assessment) and CAMS (Certified Anti-Money Laundering Specialist).


Sharese Farley

Sharese Farley
Programming Director
Comerica Bank

Sharese is a Senior Bank Secrecy Act/Anti-Money Laundering Compliance Risk Specialist with Flagstar Bank in the Financial Crimes Unit. Her current duties include assisting with managing and mitigating customer related risks, maintaining and ensuring regulatory and organizational compliance with BSA and OFAC regulations, procedural development, risk assessments and enhanced due diligence reviews.

Prior to joining Flagstar Bank, she was an AML Investigations Officer with Comerica Bank. She was responsible for conducting money laundering and fraudulent related investigations covering a broad range of financial crimes, supporting the BSA and USA PATRIOT Act obligations of the bank and suspicious activity monitoring.

She has over thirteen years of banking experience, holds a BBA in Business Management and has been a Certified Anti-Money Laundering Specialist (CAMS) since 2009.


Adam Hermes

Adam Hermes
Co-Membership Director
Comerica Bank

Adam Hermes is an investigator in the Anti-Money Laundering Department of Comerica Bank, a regional bank with 458 banking centers in 5 states. He is responsible for conducting investigations of potential illegal or improper conduct based on referrals from internal and external sources, filing SARs, and supporting the BSA and USA PATROIT Act obligations of the bank. Adam has conducted hundreds of money laundering investigations covering a broad range of financial crimes. Adam has 15 years of experience in the banking industry, having joined Comerica in 2002, and has held positions in both banking centers and BSA/AML compliance.

Prior to joining Comerica Bank, Adam was enlisted in the US Navy as an Electricians Mate with the Naval Nuclear Propulsion Program and served aboard the aircraft carrier USS Theodore Roosevelt during conflicts in Kosovo and the Persian Gulf.

Adam earned a Bachelor’s of Science in Business with a Concentration in Finance from the University of Phoenix and is a Certified Fraud Examiner and Certified Anti-Money Laundering Specialist.


Kevin Mizzi

Kevin Mizzi
Co-Membership Director
Flagstar Bank

Kevin Mizzi is a Certified Anti-Money Laundering Specialist (CAMS) and the Lead BSA Auditor for Flagstar Bank. In his role, he leads a BSA/AML audit team that provides the independent testing of the bank’s BSA/AML compliance. He works with the BSA Compliance department and other lines of business to ensure regulatory compliance, evaluate risk mitigation activities, and provide value-added solutions.

Kevin has held various positions and at financial institutions including training and development and call center and branch management. He has developed an extensive knowledge of BSA/AML and fraud best practices, policy and procedural development, process streamlining, and managing regulatory oversight. He has developed training in BSA/AML compliance, fraud detection and mitigation, new hire on-boarding, products/services, security, and customer service.

Kevin has successfully worked with and provided consultancy to institutions in implementing effective internal controls focused on Know Your Customer (KYC), Customer Due Diligence (CDD/EDD), suspicious activity monitoring programs, investigations, regulatory reporting, and integrating automated solutions. He holds a Bachelor of Business Administration from Siena Heights University and a Master of Public Administration from Wayne State University.


Kristin Pawlowski

Kristin Pawlowski
Secretary/Finance
Rehmann

Kristin is an assurance senior manager in the financial institutions assurance services department of Rehmann and is based in the Troy office. Kristin joined the assurance department of Rehmann in 2010 with over 20 years of experience in the financial institutions industry. Kristin has experience working in bank branches, sales, lending, customer service, operations and underwriting. She has extensive experience with internal audit services for financial institutions including lending, branch operations, anti-money laundering, retail operations, and asset liability management including assessment of interest rate risk and liquidity risk management. Prior to joining Rehmann, Kristin was a senior auditor at Comerica Bank in Detroit.

Kristin holds a Bachelor of Science in finance from Davenport University and a Master of Science in finance from Walsh College. She is a Certified Internal Auditor (CIA), Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE) and a Certified Asset Liability Management (ALM) Specialist.

Kristin’s professional organizations include: Institute of Internal Auditors, Association of Certified Ant Money Laundering Specialists, Association of Certified Fraud Examiners, Inforum, and Michigan Bankers Association.


Brad Birkholz

Brad Birkholz
Co-Communications Director
Plante & Moran, PLLC

Brad Birkholz is a Manager within the Management Consulting, Risk and Accounting Regulatory Services group at Plante & Moran, PLLC. As a Manager, Brad provides BSA/AML/OFAC and regulatory compliance expertise to financial institutions to banks and financial service companies of various sizes, which are regulated by various banking agencies. His responsibilities include performing and managing regulatory compliance engagements that include Bank Secrecy Act audits, compliance audits, risk assessments, model validations, and enhanced due diligence reviews.

Before joining Plante & Moran, PLLC, Brad’s has held previous positions as a Senior Regulatory Compliance Consultant with an international consulting firm and as a Compliance Officer with a large financial institution. In these roles, Brad maintained similar responsibilities in his involvement on a variety of regulatory compliance related engagements.

Brad earned his Bachelor of Science degree in Criminology from Grand Valley State University in Grand Rapids, MI. He is also a Certified Anti-Money Laundering Specialist (CAMS) and a Certified Fraud Examiner (CFE).