Puerto Rico Chapter


Upcoming Puerto Rico Chapter learning events will be announced soon.

Welcome and thank you for visiting the ACAMS Puerto Rico Chapter website.

Our vision is to promote ACAMS as a platform for career development and professional networking for AML/CTF professionals in Puerto Rico by providing workshops and events of local and international interests that advance the professional knowledge and enhance skills while sharing experiences and expertise.

Our mission is to create a forum for continuing education and supporting network opportunities with AML and Financial Crime industry experts from the private sector, supervisory/regulatory agencies, and law enforcement in order to exchange information and best practices for the fight against money laundering and financial crime in Puerto Rico. Through networking we expect to build strong relationships with other professionals who share the same commitment to protect their institutions, customers, communities, and promote the welfare of our financial system and our citizens.

Upcoming Puerto Rico Chapter learning events will be announced soon.

El Fraude en Corrupción en Agencias Gubernamentales; cómo prevenir, detectar y reportar.


Ariel Ramírez, CFE, CIA | Managing Director
Global Investigations + Strategic Intelligence
Berkeley Research Group, LLC
Bio (PDF)

1st ACAMS Puerto Rico Forum – HSI Cornerstone Overview

Gladys Castellano
Banco Santander

Gladys M. Castellano has over 20 years of compliance experience and has held several managerial positions in the BSA/AML and Regulatory Consumer Compliance field including Chief Compliance Vice-President, BSA/OFAC Compliance Officer and currently BSA Manager at Banco Santander. Her industry experience includes oversight responsibility of Regulatory and AML Compliance, maintenance of a compliance program, policies and procedures. She received her bachelor’s degree in Education from the University of Puerto Rico and her master degree in Finance from the Inter American University of Puerto Rico. To enhance her financial career she has completed the Puerto Rico Compliance Banking School, ABA Graduate School of Compliance Management and the ABA National Compliance School.

She has been a member of ACAMS since 2002 and obtained the prestigious CAMS certification in 2003. She is a frequent international speaker and moderator at ACAMS conferences in the US, Canada, Guatemala, and Mexico giving her the opportunity to share with international recognized leaders and experts in the AML field. She is also member of the Certified CAMS Instructor faculty and has conducted CAMS Live Preparation seminars since 2005 in Puerto Rico, Wisconsin, Barcelona, Nicaragua, and Venezuela. Since 2002 she has participated as member of several ACAMS Task forces such as ACAMS Annual Meeting Task Force, Caribbean Task Force, Education Task Force, Latin America Task Force, Adapted Spanish Examination Cut Score Task Force, and Editorial Task Force. While gaining significant exposure in the AML field, she published an article in the ACAMS TODAY magazine”A day in the life of a Compliance Officer” May/June 2007 edition and participated as editor of the”Study Guide for the CAMS Certification Examination” – Fourth Edition 2007 (Spanish version). She has also developed and delivered Regulatory compliance and BSA/AML training sessions for different financial institutions, International Banking Entity, CFE Puerto Rico Chapter, CCPA of Puerto Rico, and professional associations in Puerto Rico as well as requests by University students on related topics.

Email: gmcastellano@onelinkpr.net

Sahily Rivas

Email: Sahily.rivas@zenogandia.coop

Sylvet Zayas Sepulveda

Sylvet Zayas Sepulveda
FirstBank Puerto Rico

Sylvet Zayas Sepulveda, Compliance Officer at FirstBank Puerto Rico, a commercial bank with operations in Puerto Rico, the US Virgin Islands, British Virgin Islands and Florida, and of FirstBank Insurance Agency, was hired in November 2006 to support and supervise approval process of Currency Transaction Reports (Form FinCEN 112), OFAC screening, Section 314 (a) and local regulatory processes. Provides trainings related to Currency Transaction Reports (Form FinCEN 112) and OFAC. Creates and maintains monitoring reports (Loan and Monetary Instruments) in accordance with Bank’s BSA & AML procedures and Policies. Before joining FirstBank Puerto Rico, Zayas worked for two other major Banks in Puerto Rico (Banco Popular and Banco Santander), where she acquired a vast knowledge of bank operations, and how they interact with BSA & AML requirements. She is a Certified Anti-Money Laundering Specialist (CAMS), and member of the Association of Certified Anti-Money Laundering Specialists (ACAMS).

Email: sylvetzayas@yahoo.com.sg

Ada Diaz

Email: adadiaz@bppr.com

Wallace Ocasio

Mr. Wallace R. Ocasio Jiménez, completed primary and secondary school in his home town of Manati. It has a Bachelor of Business Administration with a concentration in Accounting from the University of Puerto Rico, Arecibo Campus.

In 1991 he began his professional life in the Office of the Inspector of Cooperative occupying the position of Auditor. In 1992 he became a post-PROSAD Economic Analyst COOP. For 1997 passes the position of Supervisor of Examiners. Currently serves as Assistant to the Vice President Area Technical Support and Oversight. It also has a Certified Fraud Examiner Detention (CFE), Certified Anti Money Laundering Specialist (CAMS) and a certification of Certified Internal Controls Auditor (CICA). Has over 20 years working in the Corporation for the Supervision and Insurance Cooperatives PR. He has served in various roles in the Corporation being Credit union Trustee, Instructor Guide Examiners and speaker. It has contributed to the development of the Guidelines for the Review of the credit unions, Worksheets and Review guidelines and procedures for compliance with laws and regulations applicable to cooperatives. Represent to COSSEC SAR REVIEW TEAM OF PUERTO RICO. He currently heads the Compliance Division COSSEC

Email: wocasio@cossec.pr.gov

Norberto Molina
Banco Popular de Puerto Rico

Mr. Norberto Molina has the position of Vice-President and Manager for the Bank Secrecy Act and Anti-Money Laundering (BSA/AML) of Banco Popular de Puerto Rico (BPPR); was appointed by the BPPR Board of Directors as the BSA/AML/OFAC officer in June 2010. From 2005 to 2010 served as the Deputy Manager of the BSA/AML Dept.

During his 35 years of banking experience, Mr. Molina has held positions as Internal Auditor and Manager of Management Accounting at JP Morgan Chase; also, as Financial Comptroller for Citi Group Technology and Information Division (CGTI).

Mr. Molina began his career at BPPR during April 2000 as a member of the BSA/AML Investigation and Detection Section (IDS) responsible for investigating unusual situations and filing Suspicious Activity Reports. Held the supervisor position at BSA/AML for IDS; as Deputy, managed the Research & Analysis Section (R&A) and the Risk, Systems and Quality Control Section (RSQ).

Mr. Molina has a bachelor degree in Administration with a concentration in Accounting. Also, completed a Master Degree in Finance and has attended several seminaries and conferences related to Anti-Money Laundering and Terrorism Finance. Also, a speaker at the 2012 9th Puerto Rican Symposium of Anti Money Laundering on the subject of Surveillance and Transaction Monitoring Systems and at the 2013 10th Puerto Rican Symposium of Anti Money Laundering on the subject of Risk Assessments.

In April 2011, Mr. Molina graduated from the Federal Bureau of Investigation Citizens Academy. In addition, Mr. Molina is a Finance Professor at University of Phoenix, San Juan Campus and accomplished the Certified Anti-Money Laundering Specialist certification on May 2013.

Email: Norberto.molina@popular.com

Sandra Baez
Membership Director

Email: sbaez@bbobank.com

Francisco Aponte
Programming Director

Email: faponte@bancoop.com

Victor Rodriguez
Communications Director

Email: victor.rodriguez@popular.com

Maria de Lourdes Jimenez

Maria de Lourdes Jimenez
Popular, Inc.
Special Advisor

Senior Vice-President & Division Head of the Corporate Compliance Division for Popular, Inc. Her principal responsibility is to supervise the compliance function in Puerto Rico, the United States and all other operations for Popular, Inc. , the leading financial institution in Puerto Rico which ranks 40th by assets among U.S. banks. She is a compliance and legal professional with 25 years of banking experience and particular expertise in all aspects of regulatory oversight, anti-money laundering (AML), consumer and financial compliance.

Mrs. Jiménez has vast experience as Legal Counsel and Compliance Manager in Multinational Institutions. She has previously worked for Citibank, Puerto Rico’s Commissioner of Financial Institutions, and Banco Santander, where she managed the Legal Counsel Office and Corporate Compliance.

Ms. Jiménez is an active participant in the compliance industry and has held committee positions through the industry. She has precided the Puerto Rico Bankers Association Anti-Money Laundering Committee, for the last 12 years where she has coordinated extensive training to keep the industry abreast of legislative and regulatory changes. Also, she served as Chairman of the American Bankers Association (ABA) Compliance Administrative Committee and collaborates with the ABA in various capacities. Mrs. Jiménez is a frequent speaker both nationally and internationally and has cooperated with the US Treasury Department in the public/private sector dialogues with the Latin American AML financial community.

Mrs. Jiménez serves in various community oriented organizations as a Board Member, Center for the New Economy, a local economic think tank, Corporación del Estuario de la Bahía, the Compañía para el Desarrollo Integral de la Península de Cantera where she spearheaded the efforts to develop an out of school educational program and electronic library for the children of this low income community.

Email: Marilu.jimenez@popular.com

Gloria G Benson

Gloria G. Benson, CPA
Santander Puerto Rico
Special Advisor

Gloria is senior vice president and corporate BSA/AML officer of the Santander Group in Puerto Rico responsible for assuring a robust BSA/AML program within the Bank and its affiliates in Puerto Rico. Since her appointment as BSA officer in 1994, she has been active in the development and implementation of corporate BSA/AML policies including the adaptation of international corporate AML policies to local regulatory requirements. Gloria serves as AML compliance liaison to the global AML unit of the parent company in Madrid as well as the US Compliance Division. She is a member of HSI/ICE first citizen’s academy.

Email: gloria.benson@bspr.com

Jose Santiago
Special Advisor

Email: Jose.F.Santiago@ice.dhs.gov