2012 CHapter of the Year

Southern California Chapter


Upcoming Southern California Chapter learning events will be announced soon.

ACAMS Southern California was formed in order to provide the anti-money laundering community with a professional resource that can provide support, guidance, training, and peer interaction across industry lines. Our goal is to raise awareness and further educate and identify the issues that are specific to our region.

In addition to the ACAMS chapter webpage, you can also find us on LinkedIn, or follow us on Twitter @ACAMSOCAL. Feel free to send any suggestions or comments.

“Human trafficking affects us all, whether we live in countries of origin, transit or destination. Preventing and combating it requires a comprehensive international approach. We must act together to stop a crime in our midst that deprives countless victims of their liberty, dignity and human rights.”

– Ms. Asha-Rose Migiro
Deputy Secretary-General
of the United Nations

SoCal Board Members attend a Dodgers game with John Byrne

SoCal Board Members attend a Dodgers game with John Byrne

From left to right: SoCal Board Member Chuck Taylor; John Byrne; SoCal Board Member Maleka Ali; SoCal Board Member Elizabeth Slim

Upcoming Southern California Chapter learning events will be announced soon.

Money Service Businesses (MSB) Lunch & Learn Event

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Please join the ACAMS Southern California Chapter for this informative MSB Lunch & Learn event.

Speakers will include:
Homeland Security Investigations (HSI)
Moss Adams

Brief presentations will be provided with a Q&A session to follow. Presentations will include MSB hot topics, best practices and the overall current MSB landscape.

This will be a three hour Lunch & Learn, catered by our sponsor, Northgate Markets.

ACAMS Southern California Chapter 10TH ANNIVERSARY GALA

An event to raise funds to support the Coalition to Abolish Slavery & Human Trafficking of LA.

Silent Auction to Support CAST LA.

Business/Formal Attire

Sanctions & Networking

OFAC Sanctions Update and Current Trends Presentation

2019 4th Annual AML Symposium

ACAMS SoCal AML Symposium 06.14.19 Presentations

Money Service Businesses (MSB) Lunch & Learn

Please join the ACAMS Southern California Chapter for this informative MSB Lunch & Learn event. Speakers will include a consultant, a Banker that banks MSBs, an MSB itself, and law enforcement. Brief presentations will be provided, followed by a Q&A session. Presentations will include MSB hot topics, best practices, and the overall current MSB landscape.

MSB Lunch & Learn Presentation

Money Service Businesses

Building the Bridge between FinCEN & Financial Institutions

Homeland Security Investigations:
El Camino Real Task Force

Building the Bridge between FinCEN & Financial Institutions

Law Enforcement Panel & Holiday Dinner / Networking Reception

In the spirit of the holiday season, the Chapter will be matching donations in support of Ascencia. Ascencia’s mission is to lift people out of homelessness, one person, one family at a time. They envision a community where people in need can find services, resources, and safe, affordable housing. For more information, visit https://www.ascenciaca.org

September 11th Lunch & Learn

Please join the ACAMS Southern California Chapter for this special 9/11 Lunch & Learn. Topics will include: 9/11 and the Aftermath – Changing the landscape of the AML Profession, Risk Assessments, Modeling, and BSA/ AML Career Development and Advancement.

A portion of the registration fees will be donated to the 9/11 Memorial & Museum at Ground Zero www.911memorial.org/museum

ACAMS Southern California Chapter 3rd Annual AML Symposium

Trends in Sanctions and AML Enforcement

Presentation 1

Presentation 2

3rd Annual AML Symposium Agenda

Banking Marijuana 2018 AML Symposium

Keynote Speaker: Honorable Kevin Rosenberg, Judge, Los Angeles County Superior Court

Questions or comments? E-mail us at SoCalACAMS@gmail.com

Final Rule: Final Countdown

The U.S. Treasury Department’s Financial Crimes Enforcement Network issued its final rule for Customer Due Diligence (CDD) under the Bank Secrecy Act (BSA) for banks and other covered financial institutions. Are you ready? Here is your final chance to ask the regulators about the upcoming regulatory changes.

Presented by:

Money Service Businesses (MSB) Lunch & Learn Event

Brief presentations will be provided with a Q&A session to follow. Presentations will include MSB hot topics, best practices and the overall current MSB landscape.


  • Detective Sinuhe Villegas, LA County Sheriff’s Dept. (Human Trafficking Bureau/LA Regional Human Trafficking Task Force)
  • Maria Gonzalez, MoneyGram (Senior Regional Compliance Manager
  • Jae Park, First Choice Bank (SVP, Chief Compliance Officer)

This will be a three hour Lunch & Learn, catered by our sponsor, Northgate Markets.

Northgate Market

Law Enforcement Panel & Holiday Dinner / Networking Reception

Please join the ACAMS Southern California Chapter for its final event of 2017!!!

We will be recognizing two law enforcement professionals that have not only committed their lives to combatting financial crimes, but has been instrumental in their involvement with the Chapter.

This year, we will be recognizing:
Anthony Orlando, IRS:CI – Director, Nationally Coordinated Investigations
Greg McMullen, Long Beach PD – Detective, Terrorism Liaison Officer, Financial Crimes

Director Orlando and Det. McMullen will also be discussing Hot Topics impacting the industry and the Southern California financial services region.

We are also honored to have Supervisory Special Agent Greg Mandoli, Homeland Security Investigations (HSI) – Supervisor HIFCA Southern California, present his white paper on the West Coast: El Camino Real task force initiative.

The event will be followed by a cocktail reception, a raffle of door prizes, and a holiday dinner.

Sponsored by
Thomson Reuters
Team Adhoc

Team Adhoc is a leading provider of business services to companies seeking expertise in accounting, financial planning and analysis, financial reporting and information technology. Their clients range from Fortune 500 and 1000 companies, venture backed firms, to high-growth businesses across a variety of industries. Their Team applies a trusted focus on client care and their consultants have superior academic and professional credentials. For more information, visit www.team-adhoc.com.

In the spirit of the holiday season, the Chapter will be matching donations in support of Elizabeth House.

Elizabeth House exists to provide shelter, hope and support to homeless, pregnant women and their children by addressing their physical, emotional, spiritual, and economic needs in a nurturing atmosphere. Elizabeth House has been serving women and children in the Los Angeles area for more than 20 years. For more information, visit https://www.elizabethhouse.net.

SAVE THE DATE – 2017 Upcoming Events

Cybersecurity Lunch & Learn


  • Det. Andy Kleinick, LAPD, Cyber Crimes Section
    Detective Kleinick is the Officer-in-Charge of LAPD’s Cyber Crimes Section, which is responsible for digital forensics and cyber-crime investigations. Detective Kleinick has more than 30 years with the LAPD, including 14 years in Cyber Crimes. Kleinick is a computer forensics and cyber-crime instructor for the LAPD, California Department of Justice, USC, UC Irvine, and the United States Secret Service’s National Computer Forensics Institute. He has appeared on CNN, Fox News, and ABC as a Cyber Crimes expert and has been a featured speaker for the banking, education, and motion picture industries.
  • Jerry Craft, Nth Generation, Sr. Security/Networking Consultant, Chief Information Security Officer
    Jerry Craft, Nth Generation, Sr. Security/Networking Consultant, Chief Information Security Officer

Hosted by:

Cybersecurity Risk We All Face

2nd Annual AML Symposium

ACAMS Beneficial Owner Rule

SCAMS Model Validations Demystified

Unfortunately we are unable to share the presentations from the Regulators and Law Enforcement.

Special Thank You To Our Sponsors:


BSA Roundtable

Please join the ACAMS Southern CA Chapter for a Downtown Los Angeles Roundtable!

The roundtable forum will provide an opportunity for all who attend to bring topics of discussion to share with other attendees. The forum will include “hot topics” in our industry, such as:

  • Tuning Alerts
  • Staffing and Resource Issues
  • What Has Your Institution Done to Prepare for the 5th Pillar?
  • And lastly, What Keeps You Up at Night?

Attendees must check-in with security in the lobby. No walk-ins allowed.
Light refreshments wills be served.

Money Service Businesses (MSB) Lunch & Learn Event

Please join the ACAMS Southern California Chapter for this informative MSB Lunch & Learn event. Speakers will include independent MSB auditors, a Banker that banks MSBs, an MSB itself and law enforcement. Brief presentations will be provided with a Q&A session to follow. Presentations will include MSB hot topics, best practices and the overall current MSB landscape.

Taking a Chance on Cannabis?

Can banking cannabis businesses be all buds and roses?

Marijuana Related Businesses (MRBs) are now legal in several states. Servicing them can be complicated, yet profitable, for community banks. In this presentation, experienced bankers/former regulators will discuss how to comfortably and confidently bank the cannabis industry while maintaining BSA/AML obligations.

Join our guest speakers from Link to Banking as they cover the Cole Memorandum, FinCEN’s guidelines on serving the industry and strategies for remaining compliant while banking MRBs.


  • Robert Casares – President, Co-Founder, Link To Banking

    Mr. Casares has extensive experience in the banking, information technology and financial crime risk management industry. He’s a highly accomplished Certified Anti-Money Laundering Specialist (CAMS) with a comprehensive background in diverse areas of fraud detection, compliance, banking, information technology, check fraud, BSA/AML, wire fraud, ACH, and credit/debit card fraud.
    He’s led the charge in conducting multiple high profile fraud investigations with members of Secret Service, FBI, and IRS Criminal Investigations, which resulted in positive identification of merchant breaches and other significant fraud activity.

    Throughout his career, Mr. Casares has served as a Subject Matter Expert in various areas of financial crime risk management facilitating fraud training for law enforcement and financial institutions aiding them in recognizing new fraud trends and schemes.

  • Tom Fleming – Chairman, Co-Founder, Link To Banking

    Tom Fleming is a highly qualified Certified Anti-Money Laundering Specialist (CAMS) with over 48 years experience in both the financial services industry and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) compliance. He was the Assistant Director for the Office of Compliance at the Financial Crimes Enforcement Network (FinCEN) responsible for ensuring financial industry compliance with the Bank Secrecy Act.

    His 24-year government career included BSA/AML-related compliance and enforcement positions in Treasury Department agencies in which he reviewed, analyzed and advised on BSA regulations, rulings, policies, BSA civil penalty investigations and negotiated civil money penalty settlements. He worked extensively with regulatory and law enforcement agencies as well as financial institutions.

    Prior to joining the government, he was a banker and managing officer of a financial institution for over 22 years.

Presentation: http://linktobanking.com/seminar-on-banking-cannabis/

Download Presentation

ACAMS Southern California Chapter Holiday Event

San Diego Neighborhood BSA/AML Roundtable

This roundtable discussion in is a great way for BSA/AML professionals to share issues specific to our region and network.

The open forum provides an opportunity to ask questions and discuss “hot topics” that are impacting your institutions, including experiences with audits and examinations, personal liability, and beneficial ownership.

The targeted audience is BSA/AML professionals that are responsible for your institutions’ BSA/AML Program, i.e. BSA Officers/Asst. BSA Officers, Compliance Officers/Managers and Analysts.

Panama Papers Learning Event

Southern California Chapter AML Symposium

Download Agenda


With Support from:

Gold Sponsor

Thomson Reuters

Silver Sponsors

AML RightSource

For more information about AML RightSource, please visit their website at www.amlrightsource.com


Applied Facts

Personal Accountability = Personal Liability

Law Enforcement Panel – “Hot Topics in Fraud Trends”

Does Cyber Crime fall within BSA?

ACAMS Southern California Summer Mixer!

“Meet the Regulators”

BSA Data & the FBI’s Use in Addressing Risk & Threat

“Global Sanctions”

Orange County (Irvine) Neighborhood Roundtable

ACAMS Southern California Chapter for the San Diego County Neighborhood Roundtable

Westlake Village / Thousand Oaks / Conejo Valley Neighborhood Roundtable

Effective Management, Interviewing and Networking

AML Data Validation: Is your AML software capturing all Suspicious Activity?

Download Presentation

San Fernando/San Gabriel Valley Neighborhood Roundtable

Elder Financial Abuse Presentation

Human Trafficking Learning Event

Diverse Law Enforcement & Industry Panel

BSA/AML Risk Assessments

San Fernando/San Gabriel Valley Neighborhood Roundtable

Legal Gambling in California

ACAMS Southern California Chapter for the first of several Neighborhood Round Table

Are You Prepared for the New CTR & SAR Electronic Forms for E-Filing?

Elizabeth A Slim

Elizabeth A. Slim, CAMS
Commonwealth Business Bank

Liz Slim is the External Fraud Investigator for Wells Fargo Bank in El Monte, CA. Liz has a banking background with over 35 years of experience specializing in areas of operations, compliance, risk, security and training. The past 15 years have been served as the BSA Officer for several community and mid-size banks overseeing and developing the BSA/AML, OFAC and Fraud compliance program to include risk monitoring in the organization. Liz has been CAMS certified since 2004, founder and Co-Chair of the ACAMS Southern California Chapter since 2009 and serves on the ACAMS Educations Task Force and ACAMS Advanced Audit Certification Board. Liz was a recipient of the 2014 ACAMS Al Gillum Volunteer of the Year Award.

Email: elizabeths@cbb-bank.com

Victor R Cardona

Victor R. Cardona, CAMS
Golden State Bank

Victor is currently Senior Vice President, BSA Officer at Golden State Bank in Los Angeles, CA. Victor has been in banking since 2004, specializing in BSA/AML compliance since 2005. Outside of the banking industry, Victor is also an Adjunct Professor at Cal Poly Pomona where he teaches Forensic Accounting.

Throughout Victor’s career, he has held positions from BSA Analyst to BSA Risk Officer before becoming a BSA Officer, working at small to midsize banks such as Farmers and Merchants Bank of Long Beach and City National Bank. Prior to joining Golden State Bank, Victor was the BSA Officer at Mechanics Bank with oversight responsibility of their Financial Intelligence Unit (FIU), headquartered in Walnut Creek, CA.

Victor is the recipient of the 2019 Department of Homeland Security (DHS), Homeland Security Investigations (HSI), Los Angeles field office Private Partnership Award. He also received an Annual Law Enforcement Award from the Financial Crimes Enforcement Network (FinCEN) for playing an important role in a joint investigation by the FBI, IRS-CI, and the United States Attorney’s Office, which led to the dismantling of an organized criminal enterprise that participated in bank fraud, conspiracy to operate an unlicensed wholesale distribution of drugs, and money laundering.

Victor received his Bachelor’s Degree from Cal State Dominguez Hills in Accounting and his MBA from Utica College in Economic Crime & Fraud Management. Victor attended the police academy at the Golden West College Criminal Justice Training Center where he received a Certificate of Achievement in Criminal Justice, and has attended the Homeland Security Investigations (HSI) Citizens Academy. Victor is CAMS certified and has served on the Executive Board of the ACAMS Southern California Chapter since 2014, currently the Chapter’s Co-Chairman.

Email: vcardona@goldenstatebank.com

Steven Mickelson

Steven Mickelson, CAMS, MBA, CUCE
Secretary & Communications Director
Los Angeles Police Federal Credit Union

Steven Mickelson is the Compliance Manager and BSA Officer for Los Angeles Police Federal Credit Union (LAPFCU), a financial institution serving the needs of Los Angeles law enforcement, their families and select police-related groups. With 15 years of financial institution experience, Steven has spent the last 10 years working in the areas of anti-money laundering, BSA and compliance. In his current role at LAPFCU, Steven is responsible for managing the BSA program, as well as the development and administration of a centralized compliance program to ensure on-going compliance with all applicable laws and regulations affecting the Credit Union.

Prior to joining LAPFCU, Steven worked for City National Bank where he held the positions of Vice President and Operations Manager of the Compliance Support and Legal Processing department, as well as Operations Supervisor of the Anti-Money Laundering (AML) department. He developed procedures and policies to ensure compliance with regulatory requirements, including developing parameters and rules for the bank’s AML system.

Steven earned his Bachelor’s Degree in Sociology/Criminology and Criminal Justice and his M.B.A. at California State University, Northridge. He also holds certifications as a Certified Anti-Money Laundering Specialist (CAMS) and Credit Union Compliance Expert (CUCE).

Star Del Castillo

Star Del Castillo
Co-Secretary & Co-Communications Director

Star Del Castillo is the Global Compliance Project Manager for AFEX in Los Angeles, California. In her current role, Star is responsible for managing complex Compliance projects across the globe. Star has worked for major financial institutions since 2006 specializing in areas of Compliance, Anti-Money Laundering, Risk Management, Operations, and Training while immersed in roles ranging from Personal Banker, Bank Manager, Auditor, Global Trainer, Senior Financial Intelligence Analyst, AML Manager, and Compliance Program Manager. Star received her Bachelor’s Degree in 2012 in ‘Psychology and Sociology’ and her MBA in ‘Industrial and Organizational Psychology’ in 2015. Star joined the Board of the ACAMS Southern California Chapter in 2018.

Email: StarDelCastillo1@Yahoo.com

Bryan Tinoco

Bryan Tinoco
Chapter Treasurer
First Foundation Bank

Bryan Tinoco specializes in BSA/AML and OFAC compliance. He has over 25 years of experience in the operational areas of retail and business banking, and in the credit union industry. During the last 16 years, his focus has been on BSA/AML/OFAC compliance and financial crime.

Bryan’s background includes working for financial institutions as a SVP Bank Secrecy Act Officer, OFAC Administrator and Risk Management. Throughout his career he’s been responsible for managing BSA/AML and OFAC programs, as well as coordinating and advised changes in regulations and analyzed the changes as it effects banking operations. He has successfully built the compliance infrastructure for a financial institution with 3.5 billion in assets. His additional experiences include the development and implementation of new policies, procedures and AML monitoring systems to ensure continuing adherence with the BSA/AML laws and regulations.

Bryan is a member of several professional organizations, such as the Association of Certified Anti-Money Laundering Specialist, International Association of Financial Crimes Investigators and a BSA Compliance Specialists with the Credit Union National Association. He has accomplished all P.O.S.T. (Police Officers Standard Training) requirements and certificated as a level 1 Police Reserve Officer.

Email: btinoco@ff-inc.com

Hoi Luk

Chapter Membership Director
First General Bank

Mr. Luk, a Certified Anti-Money Laundering Specialist (CAMS) and Certified Regulatory Compliance Manager (CRCM), is a Senior Manager with Moss Adams LLP. Hoi is the practice leader and is responsible for project oversight and delivery of risk management services primarily in the Southern California region. His regulatory compliance, risk management, and internal audit experience spans more than 20 years with specialties in the Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), residential lending, and asset quality reviews.

Prior to joining Moss Adams LLP, Hoi was a Regional Director at the world’s largest global provider dedicated to banking and payments technologies. Prior to that, Hoi was a director at a leading national business consulting, accounting, and tax firm where he was responsible for risk management consulting services. He has also served as a compliance specialist for two $3 billion institutions and also worked for two mortgage companies, performing regulatory compliance testing and support functions.

Email: HSL1269@aol.com

Mia S Lee

Mia S. Lee
Co-Membership Director
Woori Bank

Ms. Lee has worked in the banking and financial services industry since 1989. She has focused on compliance and risk since 2002, specializing in BSA/AML. She has been a member of ACAMS since 2005 and the Southern California Chapter since 2010, servicing on the Board since 2011. She is currently the Compliance and BSA Officer for the Los Angeles Branch of Woori Bank, one of South Korea’s largest banks. Her knowledge and experience was gained during her tenures as BSA/AML Officer at various banks, including California United Bank, OneWest Bank, and IndyMac Bank. She has also consulted for various financial institutions, including banks, MSBs, and casinos, as they worked to strengthen their BSA/AML programs.

Email: miaslee4@gmail.com

Nancy Nip Rouguine

Nancy Nip Rouguine
Programming Director

Nancy Nip Rouguine is the President and CEO of Team Adhoc. With over 20 years of experience in accounting, finance and governance, risk and compliance and over 10 years in the business development and client services industry, Nancy serves financial institution clients in their BSA/AML, OFAC and general regulatory needs by leveraging her extensive network of professionals, which she has painstakingly built over decades. Having worked on the west coast for recognizable AML firms, such as IPSA International, Nancy has assembled a group of the nation’s top BSA/AML subject matter experts to run Adhoc’s AML Practice and offers clients a unique and hands-on experience unparalleled by competitor firms. Nancy formed Adhoc’s AML Practice to fill a void in the industry resulting from an influx of firms with no current BSA/AML field experience which supply resources doing more harm than good in the ever complex and evolving regulatory compliance industry. Nancy holds a Bachelor of Science in Finance from University of South California’s prestigious Marshall School of Business and is a Board Member of the USC Asian Pacific Alumni Association. She is also involved in several charitable organization which support autistic children and poverty alleviation efforts.

Email: Nancy@adhoc911.com

Andrea Winter

Andrea Winter, CAMS
Sponsorship Director

Andrea Winter joined the Association of Certified Anti-Money Laundering Specialists (ACAMS) in January of 2005 and currently serves as the Director of Sponsorship and Advertising Development. In this role she helps AML and financial crime solution providers determine how to maximize their business development efforts through sponsorship where providers can market their solutions to ACAMS members and other AML/CFT compliance professionals. Andrea has attended more than 100 industry conferences and brings an international perspective to the sponsorship and advertising department due to her extensive travel and working with key players in solution provider markets.

Prior to joining ACAMS, Andrea worked for the American Red Cross where she promoted Health & Safety and Disaster Relief programs to the local Miami community.

Andrea joined the Board of the ACAMS Southern California Chapter in 2011.

Email: awinter@acams.org

Patricia Rodriguez

Patricia Rodriguez
Events Director
Northgate Gonzalez Markets and Prospera Gonzalez LLC

Patricia “Patty” Rodriguez is the Enterprise Risk and Compliance Manager for Northgate Gonzalez Markets and Prospera Gonzalez LLC. She has been with the Northgate Family for over 16 years working various positions including Loss Prevention, Check Cashing & Collections and currently in their Enterprise Risk Department.

During her time as a Loss Prevention Supervisor and as the Check Cashing & Collections Manager she helped develop Policies & Procedures and risk management documentation. Currently as the Enterprise Risk Manager Patty works closely with the Compliance Officer to identify and manage any risk that could potentially create a loss as well as manage the BSA/AML Compliance Program.

Patty graduated the Los Angeles County Sheriff’s Department Reserve Officer Academy in 2006 and has been an active Reserve Deputy Sheriff since.

Jim Dowling
Dowling Advisory Group