2015 Chapter of the Year

Northern California Chapter

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Upcoming Events

    Save the Date

  • Sixth Annual Learning Event on Emerging Payments and Technologies
  • July 25, 2018
  • Presentation: 10:30 AM – 5:30 PM
  • Facebook
    Menlo Park, CA
  • Non-ACAMS Member: $150.00
  • ACAMS Member / Non-Chapter: $150.00
  • Chapter Member: Free
  • 6 CAMS Credits
  • Read More

2016 ACAMS Northern California Chapter Annual Newsletter

2017 ACAMS Northern California Chapter Annual Newsletter

The mission of the Northern California ACAMS Chapter is to support the goals of the International ACAMS organization to provide outstanding learning and training events and professional development opportunities, as well as support for its members’ needs in the AML industry.

The Chapter will strive to fulfill its mission by: educating and training AML professionals in private and government organizations regarding anti-money laundering and fraud detection specific to our area, such as technology related fields and our relations with Pacific Rim countries; bringing educational resources on an international level to our local area to reduce costs and save time for our members; and collaborating and networking with other local AML professionals to increase industry knowledge and job effectiveness from this interaction and exposure.

Twitter: ACAMSNorthernCA

LinkedIn: Northern California Chapter Group

    Save the Date

  • Sixth Annual Learning Event on Emerging Payments and Technologies
  • July 25, 2018
  • Presentation: 10:30 AM – 5:30 PM
  • Facebook
    Menlo Park, CA
  • Non-ACAMS Member: $150.00
  • ACAMS Member / Non-Chapter: $150.00
  • Chapter Member: Free
  • 6 CAMS Credits

Sixth Annual Learning Event on Emerging Payments and Technologies

Save-the-Date!

Please join us for our Sixth Annual Learning Event on Emerging Payments and Technologies!

This will be a full-day learning event focusing on new payments and technologies. Lunch will be included.

As the schedule is still being set, if there is a specific topic or speaker you would like to hear from, please send requests to ACAMSNorthernCA@gmail.com.

Registration will be opening soon. In the interim, please mark your calendars. The event space is limited to 200 attendees. Once it is full, registration will close. Only registered attendees will be admitted onto the Facebook campus for the event due to security protocols.

*Attend free by joining the Northern California Chapter! Membership is only $50/year. The Chapter offers five to seven Learning Events each year.


ACAMS Northern California Chapter Happy Hour

The Northern California Chapter invites ACAMS members and West Coast AML Forum attendees to join us for a Happy Hour Networking Social event!

We welcome all Chapter members and non-members to join us to meet and network with other AML professionals!


Learning Event

Please join us for our next learning event, which will be a regulatory panel, including panelists from the OCC, FDIC and FRB. To ensure a great, interactive event for our participants, please submit your questions in advance to our regulatory panel. Your questions will be anonymous. Please click on the link below to submit your questions. https://www.surveymonkey.com/r/SB566CF

To attend this event for free, join the Northern California Chapter! Membership is $50/year. The Chapter offers five to six Learning Events each year.


AML Technology

Path to Intelligent Transaction Monitoring

Please join us for our first event of the year, which will be focusing on advances in AML technology, including new tools leveraging machine learning and advanced analytics. We will have speakers from DataVisor and Quantiply, as well as First Republic Bank who will provide insights on using technology from the banking perspective.

Sponsored by:

DataVisor is a leading financial crime and fraud detection service utilizing unsupervised machine learning to identify cases of money laundering, fraudulent transactions, identity theft, fake account creation and more. DataVisor’s full-stack risk platform provides an end-to-end solution for detecting individual as well as coordinated attacks. To date, DataVisor has processed over 600 billion events and detected 100M+ bad accounts from some of the largest financial institutions and online services in the world such as Yelp, Pinterest and Alibaba.

and

Quantiply
Quantiply provides explainable AI software to augment outdated and inefficient AML processes, allowing banks to lower operating costs and reduce false positives by more than 50%. Founded in 2014 by industry veterans, Quantiply is on a mission to fight financial crime. Trusted by leading banks around the world, Quantiply automates manual tasks by using self-learning AI algorithms which also use human feedback, ensuring the decision making process is both predictive and explainable, making it regulator friendly.

The Chapter offers five to six Learning Events each year.


Year-end Learning & Social Event


Dual Location Learning Event: Banking the Marijuana Industry

Please join us for our next learning event on experiences in banking the marijuana industry. Our speaker, Michael O’Neill, is an Operations & Compliance Executive with over 20 years of experience with specialization in bank operations and regulatory compliance for the community banking and credit union industries.

This event will be held at two separate locations on two different dates with the same speaker and content. Please see date and location details below. Please select the location you would like to attend during registration.

Speaker

Michael O’Neill, Operations & Compliance Executive


Fifth Annual Learning Event on Emerging Payments and Technologies!

Presentations


Law Enforcement Update


Learning Event: The Importance of SAR filings (NOCA)

Please join us for our next Sacramento area learning event. Hear from an IRS-CI Special Agent on the value SARs provide to law enforcement and the relationship between law enforcement and AML departments.


ACAMS Northern California Chapter Happy Hour

The Northern California Chapter invites ACAMS members and West Coast AML Forum attendees to join us for a Happy Hour Networking Social. We welcome all Chapter members and non-members to join us to meet and network with other AML professionals!


The Internet as an Investigative Research Tool


2016 Year in Review

Mark your calendars for our first event of 2017! This will include a Learning Event on Regulatory updates in 2016 and an outlook on proposed changes in 2017. This will be followed by a networking event at SPiN where you can show off your ping pong skills and/or mingle with colleagues over happy hour food and drinks.


Year-end Learning & Social Event: Northern California ACAMS has Talent!

Please join us for our last event of the year! The Northern California Chapter of ACAMS will be highlighting members who have completed advanced CAMS certifications. Join us to learn more about the topics listed below and advanced certifications and how they can enhance your skills. This event is sponsored by Computer Services, Inc. (CSI). Immediately following the learning event, join us for a Networking Social.

Speakers:

  • Ryan Hodge, CAMS Audit
  • Miguel Alcantar, CAMS FCI

Sponsor:

CSI_sm


Terrorist and Illicit Finance


Fourth Annual Learning Event on Emerging Payments and Technology


Casinos and Gaming


ACAMS Northern California Chapter Happy Hour


Terrorist Financing

On Thursday, April 28, approximately 70 BSA/AML/OFAC Compliance professionals gathered at the Wells Fargo Learning Annex in San Francisco to attend the Terrorist Financing learning event.

Mayank Johri and Kevin Kinkade from First Republic Bank discussed:

  1. the challenges of identifying terrorist financing,
  2. indicators of terrorist financing including utilizing a Bank’s customer risk rating model and
  3. visualizing the risk using tools.

Their presentation can be found here: http://arca.pagecloud.com/

Then a Special Agent from the FBI provided multiple counter-intelligence and counter-terrorism case studies including a micro-electronics importing/exporting case, credit card re-shipper schemes and calling cards mailed overseas. He took many questions from the audience making it quite an interactive session.


Cybersecurity


Trade Based Money Laundering Learning Event

Presentation

Trade Based Money Laundering (TBML) is the process of disguising the proceeds of crime and moving value through the use of trade transactions in an attempt to legitimize their illicit origins. The crime involves a number of schemes in order to complicate the documentation of legitimate trade transactions; such actions may include moving illicit goods, falsifying documents, misrepresenting financial transactions, and under- or over-invoicing the value of goods. We had two speakers covering this topic from the U.S. Customs & Border Protection, Office of International Trade, Commercial Targeting & Enforcement as well as a speaker from Accuity.


Learning Event: De-Risking

“De-risking” is one of the hot topics in financial crimes. What it is, and whether and why financial institutions terminate or restrict business relationships with categories of customers, is the subject of our next learning event with guest speaker Jim Richards, EVP & BSA Officer for Wells Fargo. Mr. Richards will discuss the current trend many banks are taking today in de-risking the “riskiest” types of customers, the systemic effects of de-risking, and alternative options to de-risking such as strategies for pricing for risk.


Third Annual Half-Day Learning Event: Emerging Payment Technologies 103!


Marijuana and the Green Triangle


Regulatory Changes – Sanctions, CDD, FFIEC Exam Manual Changes


Northern California ACAMS Chapter Extension Kick-Off Social


AML Model Tuning, Validation, & Optimization – Getting the Most Out of Your AML Systems


Global AML Trends and Annual Holiday Cocktail Party


Learning event – Investigative Techniques

On Thursday, October 9, approximately 30 BSA/AML/OFAC Compliance professionals gathered at Bank of the West in San Ramon to attend an interactive session on Investigative Techniques. Neal Reiter from Identity Mind shared some great tips on streamlining and enhancing investigations. In addition, he provided information on various paid and free sites that could assist in investigations. Finally, he provided insight into strategies to streamline/automate investigations. After the formal presentation, the audience was split into groups so that participants could network and share investigative tips and tricks.


Second Annual Half-Day Learning Event: Emerging Payment Technologies 102

On Thursday, July 31, BSA/AML/OFAC Compliance professionals gathered at Silicon Valley Bank in Santa Clara to attend the second annual half day learning event focused on Emerging Payment Technologies. Three sessions covered I) emerging payments technology, II) emerging payments companies and III) virtual currency/Bitcoin investigations. For the first session, speakers from Xapo and Paypal discussed payments technologies including: RFID tabs, beacons, QR barcodes, NFC, digital wallets and bitcoin. In addition to discussing the emerging technologies and what they do, the challenges of adoption and compliance risks/concerns were raised. For the second session, three companies presented their products. This included Square (merchant services), PayNearMe (digitization of currency) and Bitaccess (Bitcoin ATMs). For the third and final session, speakers from virtual currency companies as well as a representative from the San Francisco High Intensity Financial Crimes Area Task Force discussed virtual currency investigations. This included an AML case study of Butterfly Labs. After the sessions concluded, attendees were invited to network during a hosted cocktail hour.


AML Hot Topics

On Thursday, May 29, approximately 70 BSA/AML/OFAC Compliance professionals gathered at the Omni Hotel in San Francisco to attend the AML Hot Topics learning event. The event was sponsored by Oracle. Oracle’s representative Don Ryu provided a presentation on FATCA requirements and provided an overview of FATCA and the implementation timeline. Speakers for the session covered additional hot topics including banking marijuana businesses, sanctions and virtual currency. The first speaker was Robert “Bud” Heng, (RH Counseling), who spoke about FinCEN’s recent guidance on banking marijuana businesses. He covered the state versus federal differences on marijuana issues and what the regulatory expectations are in regards to banking marijuana businesses. Specifically, he covered the different SARs that should be filed based on what type of marijuana activity financial institutions are seeing through their customer’s accounts. Second was Tim Byun (formerly of Visa) who provided insight into the recent sanctions against the Ukraine including the timeline and evolution of the sanctions. He also provided some helpful tips on how to take action on potential matches. Finally, Karsten Behrend (Xapo) provided an overview of virtual currencies and their risks and benefits.


Tool Box Lunch Session


Learning Event, Career Paths in AML – Managing your AML Career

On Thursday March 27th approximately 50 local BSA/AML/Compliance/HR professionals gathered at the Wells Fargo Penthouse Board Room in San Francisco to attend the Career Paths in AML: Managing your AML Career learning event. The diverse panel was comprised of individuals from the financial and human resources industries. The panel members were: Peter Deragon (Stanton Chase), Ryan Hodge (Dwolla/ACAMS N. CA Chapter Secretary) Bob Kenny (FinCEN/ACAMS N. CA Chapter Membership Director), John McCarthy (AirBNB), Sandy Merein (K-force)

Jenner Balagot (ACAMS N. CA Chapter Co-Chair) introduced the panel and served as the moderator for the session. The panelists discussed various career paths available within the AML field, as well as how they have managed to translate AML skills into other opportunities and careers. The panelists participated in a moderated question and answer session and then concluded with a breakout session.

The panelists produced some notable takeaways from the panel discussions. Among the valuable concepts that were presented, it was stated that being flexible and taking experiences from other areas was important when building your overall professional skillset. Other panelists state that it is important to be nimble and prepared to make changes to your normal routine to make yourself a more valuable member of your organization. Another item that was emphasized was the expertise that can be gained by forging partnerships with members of the public sector.

Panelists mentioned that when looking towards outside opportunities that it is valuable to use traditional outlets in addition to social media and web-based searches. It was conveyed that it is important to keep in touch with your professional network and reach out two degrees outside of your established network. The panelists agreed that the CAMS certification and colleagues within the ACAMS organization were indispensable in an individual’s professional development.

The audience used the full hour at the end to network, and to speak with the panelists. The event was a great success and provided a wealth of information via the panel and networking session. The consensus opinion was that the event was relevant and valuable. Many attendees mentioned that they are looking forward to upcoming N. CA Chapter events. Once again, a big thank you to our event sponsor: Kforce Inc, a professional staffing and solutions firm.


Implications of Doing Business with Asia


Emerging Payment Technologies


Model Risk Management


Worried About Satisfying FinCEN’s new CTR and SAR Filing Requirements?

Allie Suazo from Bank of Marin presented the new CTR form. Field by field, she provided details into what will soon be required. Erik Mineishi from Union Bank presented the new SAR form. He provided some great information about what FinCEN has stated they are expecting to see in certain fields. Finally, Pam Bowersox from First Technology Federal Credit Union, provided an overview of their BSA operation. This provided insight into a mid-sized credit union based in the Silicon Valley for those Chapter members who may not be that familiar with how a credit union’s BSA program might operate.

The event was sponsored by Verafin, a company that offers BSA/AML solutions including a solution to file CTRs and SARs using the new form.

Tasha Roberts and Brendan Brothers from Verafin, the event sponsor

Tasha Roberts and Brendan Brothers from Verafin, the event sponsor

Left to right: Brian Stoeckert, Erik Mineishi, Pam Bowersox, Allie Suazo, Lisa Lechner, Brendan Brothers

Left to right: Brian Stoeckert, Erik Mineishi, Pam Bowersox, Allie Suazo, Lisa Lechner, Brendan Brothers

Allie Suazo speaking at Bank of the West

Allie Suazo speaking at Bank of the West

Pam Bowersox speaking at Bank of the West

Pam Bowersox speaking at Bank of the West

Lisa Lechner

Lisa Lechner, CAMS
Co-Chair

Mercari

Lisa is the Chief Compliance Officer at Mercari, Inc, a global marketplace of buyers and sellers, and the Co-Chair on the ACAMS Northern CA Chapter. She has lead compliance within financial services and technology since 1995 including MSBs, banks, credit & collections, and securities.  Previously, Lisa served as the OFAC Officer, Privacy Officer and SVP of BSA/AML, Compliance Systems and Training at RaboBank National Association.

At Venmo and Braintree, she was the Chief Compliance Officer and AML/BSA Officer. While at AVG she was the Head of Product Compliance.  She served as a founding member of PayPal’s compliance program, serving as Director of Global AML/CTF Program and later as Head of Compliance Strategy, Product and Analysis. During her career she has spanned many industries and created and managed numerous facets of global  compliance  programs including: Licensing, OFAC and Global Sanctions, AML/CTF,  Consumer Protection, FCPA, SAR and FIU programs, TCPA, UDAAP, GLBA, specializing in the development of compliance strategies for new products, partners, global expansion initiatives, M&A, and for ongoing compliance program development and regulatory reviews. Her experience includes the implementation of an enterprise-wide compliance platform and successful remediations with AUSTRAC and the OCC. She has served on numerous executive boards in her tenure.

Lisa has served on speaker faculties at national and international compliance forums, focusing on the intricacies of risk and compliance programs in unique emerging business models. Having represented both large institutions and companies evolving with the technology landscape, she understands many sides of the compliance ecosystem.

Lisa received her Juris Doctor from the University of Nebraska College of Law and has a B.S. degree in Political Science from Nebraska Wesleyan University. Lisa is a Certified Anti-Money Laundering Specialist (CAMS).


Brian J. Stoeckert

Brian Stoeckert, CAMS, CFE
Co-Chair
Partner, Stratis Advisory

Recognized risk management expert with more than 15 years of experience in providing startups through Fortune 500 companies with strategy intelligence, advisory services and witness testimony. At Stratis, he manages an international portfolio of FinTech startups, money service businesses, financial institutions, government agencies, universities, and entertainment companies. Brian has served as an expert witness in domestic and global civil and regulatory matters related to AML and digital currency compliance. He also serves as a consultant to SONY Pictures’ Crackle streaming platform 20-episode series “StartUp.”

Previously, Brian led Booz Allen Hamilton’s San Francisco-based strategy and risk practice, advising boards of directors, audit and compliance committees, and executive management teams of financial institutions, money service businesses and global intelligence firms. He is the lead strategic designer of the Association of Certified Anti-Money Laundering Specialists (“ACAMS”) Advanced Certification Program, including the CAMS-Audit and CAMS-FCI (Financial Crimes Investigations) Advanced Certifications. Brian also serves as a guest lecturer at New York University’s Law School and Stern School of Business on AML laws, regulations and digital currency compliance, and he is a frequent presenter at global risk, compliance and FinTech conferences. He has been featured in a wide range of publications including the Wall Street Journal, CNBC, Fortune, and Bloomberg Businessweek.

He is chairman of the ACAMS Chapter Steering Committee, an executive board member of the award-winning ACAMS Northern California Chapter, and is an ACAMS faculty member for the Advanced Certification Program and CAMS Examination Prep. Brian also serves as a Mentor for the Envestnet | Yodlee and Commerce Innovated Incubators for FinTech startups. In 2014, Brian received Stony Brook University’s Top 40 Under Forty Award. He received his Juris Doctor from New York Law School and his Bachelor of Arts in Political Science from Stony Brook University.


Steven Christie

Steven Christie, CAMS
Treasurer
OzForex Group

Steven is currently the Financial Intelligence Unit (FIU) Manager at OzForex Group/USForex, a global leader in foreign exchange/remittance. In this role, he oversees the transaction monitoring, investigation, and reporting of suspicious activity related to money laundering and terrorist financing. He has over 13 years of financial services experience and over 8 years of experience in the BSA/AML/OFAC space. Prior to his tenure at OzForex, Steve was the Chief Compliance Officer at bitcoin security firm Xapo, Inc. and spent 7 years at Bank of the West where he served as VP BSA/AML Investigations Manager. Steven began his career in the financial services industry as a manager for a full service real estate appraisal firm specializing in appraisal and mortgage fraud, loss prevention, and risk management for wholesale lending and securitization firms.

He received his Bachelor of Science degree (magna cum laude), in Business Management, from the Menlo College. Steve is also a licensed CA Real Estate Broker (BRE# 01822958).


Michael Bass

Michael Bass, CAMS
Secretary
LendingClub

Michael Bass manages the BSA/AML Operation for LendingClub and has managed various BSA/AML investigations units at both JPMC and Bank of the West.  In Michael’s current role he manages the SAR reporting function and enhanced due diligence operation for the largest market place lending firm in the US. Michael is also a veteran of Operation Iraqi Freedom and served as a Psychological Operations Sgt in the US Army.


Robert Kenny

Robert “Bob” Kenny, CAMS
Membership Director
First Republic Bank

Bob Kenny is the Manager of the Strategic Intelligence Unit (SIU) for First Republic Bank’s AML Operations Group where he oversees Intelligence de-confliction, coordination, and production within AML Operations as well as training program management within the group.

Previously, Bob was a Senior Intelligence Research Specialist with the Financial Crimes Enforcement Network (FinCEN), for 11 years, where he was assigned working as a liaison for FinCEN in the Northern California Region and as the FinCEN Representative to the San Francisco High Intensity Financial Crimes Area (HIFCA) Task Force working in support of financial investigations and providing liaison assistance to law enforcement agencies in the Northern California area on FinCEN related issues.

Prior to his assignment with FinCEN, Bob spent over fourteen years with the Department of Defense working in support of law enforcement and intelligence community efforts related to criminal investigations and operations, as well as serving in the United States Army for 11 years prior to that.

Bob is a Certified Anti Money Laundering Specialist (CAMS), and a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS), and an Executive Board member of the Northern California Chapter of ACAMS. In addition, Bob is also Certified Criminal Analyst and a member of the International Association of Law Enforcement Intelligence Analysts.


Amanda Low

Amanda Low, CAMS
Communications Director
Bank of the West

Amanda is currently Vice President, Regulatory Relations Sr. Manager managing the Exam Management Team at Bank of the West. Prior to that she was the BSA Compliance Program Manager managing the Corporate BSA/AML Program Team with oversight of BSA/AML Policies and Procedures, Risk Assessment, Training, and Monitoring and Testing. She has 20 years of financial services experience and almost ten years of experience in the BSA/AML/OFAC space. She is an active member of the California Bar Association and a Certified Anti-Money Laundering Specialist. Previously, she was a Senior Audit Leader at Wells Fargo acting as an Auditor in Charge of complex BSA/AML/OFAC audits and acted as a subject matter expert on line of business audits where BSA/AML/OFAC was involved. Prior to her position at Wells Fargo, she was First Vice President and AML Compliance Officer for the former United Commercial Bank, a $13 billion bank headquartered in San Francisco. She received her J.D. from John F. Kennedy University, School of Law and received her B.A. from the University of California at Berkeley, with a major in Legal Studies and a minor in Ethnic Studies.

See also: https://www.linkedin.com/in/amanda-low-ba78bb6/


Arjun Kalra

Arjun Kalra, CAMS
Co-Communications Social Media Director
Crowe Horwath

Arjun is a Manager in Crowe Horwath’s Risk Consulting practice where he assists financial institutions with various federal and state regulatory issues. His primary focus over the last eight years has been in leading efforts to assist financial institutions with the operational aspects of their Bank Secrecy Act (BSA) and Anti Money Laundering programs. During this time Arjun has led engagements to develop comprehensive AML programs in response to regulatory actions and in the design and implementation of technology to address complex business issues facing the banking industry. Arjun has also performed AML and fraud investigations, BSA audits for banks and Money Service Businesses, implemented transaction monitoring and enterprise-wide case management systems and assisted with defining and structuring organizations’ Financial Intelligence Units (FIU). He has also developed training programs for conducting investigations and identifying suspicious activity and has trained numerous bank personnel as well as internal resources in the fields of investigations and transaction monitoring.

As a transaction monitoring subject matter expert, Arjun was instrumental in designing Crowe’s transaction monitoring tuning methodology and subsequently has led the effort to refine the methodology in the face of evolving regulations and technologies. He also played a significant role on the team that developed Crowe’s proprietary system tuning software, Crowe Caliber™. Leveraging Crowe’s system tuning methodology and technology, Arjun consults with his clients to improve the quality of suspicious activity alerts and more effectively utilize the organization’s resources, regardless of the transaction monitoring system they use.

Arjun received his M.B.A. from the Stephen M. Ross School of Business at the University of Michigan, Ann Arbor, and his Bachelor of Arts in Applied Mathematics and Economics from the University of California, Berkeley. He is a Certified Anti-Money Laundering Specialist (CAMS) and serves on the Young Professionals Board for Junior Achievement of Northern California.


Colleen Kearns

Colleen Kearns, CAMS, CFE
Programming Director
Wells Fargo

Colleen is currently a Vice President and Strategy Consultant in the Conduct Management Office at Wells Fargo Bank. Prior to that, Colleen spent several years as a Financial Crimes Manager with Wells Fargo’s Financial Crimes Investigations group and as a Business Initiatives Consultant for the Group Risk Organization for Consumer Lending and Payments, Virtual Solutions and Innovation. Prior to Wells Fargo, Colleen was a manager with Ernst & Young LLP’s Fraud Investigations & Dispute Services group. She holds a Bachelor of Science from Georgetown University and a Master of Business Administration from the Haas School of Business at University of California at Berkeley. She is a Certified Public Accountant (CPA), Certified Fraud Examiner (CFE) and a Certified Anti-Money Laundering Specialist (CAMS).


Kim Leman

Kim Leman
Co-Programming Director

Intuit

Kim is a Compliance professional and attorney with 20+ years of experience in global financial services, including 13+ years in Financial Crime Compliance risk areas (including AML, OFAC, FCPA). Kim’s responsibilities at Intuit include developing and managing an AML transaction monitoring program and enhancing the AML Compliance program overall.

Kim joined Intuit from GE Capital in Norwalk, Connecticut, where she was a VP in the headquarters Financial Crime Compliance team for nearly five years. Prior to GE Capital, Kim held roles of increasing responsibility in AML Compliance at RBS and Credit Suisse (NY and London). Kim began her career as a Foreign Currency Trader at Bank of America.

Kim is CAMS-certified, she has a Bachelor’s degree from York University in Toronto, Canada, and she obtained her Juris Doctor from Brooklyn Law School. She was admitted to the New York State Bar in 2005.


Tim O'Brien

Tim O’Brien, CAMS
Co-Programming Director

Wells Fargo

Tim currently evaluates country ML/TF risks for Wells Fargo Financial Institutions Group and constructs risk reports used by relationship managers, risk managers and other analysts in matching due diligence and monitoring to the correspondent banking risks in the respective countries where Wells Fargo engages.

Tim has more than 20 years of experience analyzing risk and compliance for banking in emerging and developed markets with onsite experience in Russia and other countries in Eastern Europe. Prior to joining Wells Fargo, his role as Regional Director for Russia and Eastern Europe involved program implementation under the Financial Services Volunteer Corps, a non-governmental program sponsored partly by the US Department of State and the US Agency for International Development.

Prior to this, Tim worked for an international development firm, providing consulting services in capital markets development alongside micro, small and medium sized enterprises and their raising of capital. This followed other work in emerging markets in Central Asia and also in Eastern Europe. There, Tim managed a logistics office under a bi-lateral nuclear non-proliferation program.

Tim holds an MBA from Kenan-Flagler Business School at the University of North Carolina (UNC) Chapel Hill and a BA in Economics, also from UNC. Tim is a Certified Anti-Money Laundering Specialist (CAMS).

While at Wells Fargo, Tim commits his time to various volunteer efforts supported by the bank, including seasonal involvement in managing fundraising for the banks’ Community Support Campaign.


Erin O'Loughlin

Erin O’Loughlin
Co-Programming Director

Western Union

Erin O’Loughlin is a Senior Manager within the Cyber Threat Intelligence Unit (CIU) at Western Union where she provides expertise in the areas of deep/dark web investigations, fraud prevention and technology risk to money movement systems. Erin will execute cyber intelligence gathering initiatives to prevent organized on-line criminal elements from targeting Western Union.

Before joining Western Union Erin spent one year with IBM’s Security Intelligence division consulting on Dark Web/Deep Web investigations for Financial Institution clients. Erin provided training in terrorist financing detection and dark web investigations to IBM clients.

Prior to IBM, Erin was a Senior AML Investigator and Fraud Risk Analyst at Bank of America specializing in authoring intelligence bulletins focused on current trends in financial crimes, terrorist financing and Suspicious Activity Reports for suspected money laundering.

Before joining the private sector Erin spent ten years as an operations officer within the US Intelligence community.


Jana Hatten

Jana Hatten, CAMS
Extension Director
Rabobank, N.A.

Jana Hatten is the Chief Compliance Officer (CCO) of Rabobank, N.A. and previously was CCO of Visa Digital Services, Inc and CCO of City National Bank in Los Angeles. She was also a Director for PayPal in the global Risk and Compliance departments. Please see her extended bio on LinkedIn.
Jana holds the position of Extension Director on the NorCal Board. Her primary responsibility is extending the NorCal Chapters’ presence in the Sacramento and Central Valley regions to better serve our current (and future) members.