AFC Trends & Typologies: Addressing Unfiled SARs Through Look-Back Analysis

Dr. William Scott Grob is a financial-crime and risk leader specializing in AML, sanctions, fraud, and emerging typologies. He previously served as director of research and analysis at ACAMS, leading global research on enforcement actions and SAR/STR trends and delivering practitioner-focused training for financial institutions, regulators, and law enforcement partners. He brings more than 25 years of experience across Freddie Mac, Deutsche Bank and HSBC. He holds a Doctorate in Management, completed Harvard Business School’s General Management Program, and maintains multiple industry certifications.

Jason Chorlins is the financial services industry practice leader, and spearheads risk management consulting engagements as principal in Kaufman Rossin’s risk advisory services practice. He advises clients on money laundering, internal corporate investigations, due diligence and regulatory compliance matters to help them manage risk.

He oversees anti-money laundering (AML) and Bank Secrecy Act (BSA) consulting engagements and assists financial institutions with transaction look-backs, risk assessments, BSA/AML/OFAC independent testing and customer due diligence reviews. He is an industry leader in assisting financial institutions to perform data and model system calibrations and validations for account and transaction surveillance systems.

Since joining Kaufman Rossin in 2007, Jason has advised a wide range of financial institutions from small, privately owned banks to large, multinational institutions in the United States, Central America, South America and the Caribbean. Jason speaks frequently on BSA/AML and fraud matters across the country, and sits on the ACAMS Education Task Force and board of directors of the Southeast Center for Financial Training (CFT).

Ms. Jiménez is an attorney and certified Bank Secrecy Act/Anti-Money Laundering (BSA/AML) expert with more than 30 years of experience in the financial services sector. She served as the Chief Compliance Officer for the leading Hispanic banking institution in the United States, supervised by the Federal Reserve Bank of New York and in 2023 developed the compliance program and was one of the organizers of the first digital bank in Puerto Rico to obtain FDIC insurance. Ms. Jimenez was the recipient of the 2022 Private Sector Partnership Award by Homeland Security Investigations for her support in furtherance of HSI’s law enforcement mission. In 2017, she was the recipient of the Professional of the Year Award by ACAMS. 

Ms. Jimenez is an industry authority with extensive experience evaluating BSA/AML, USA Patriot Act, and Office of Foreign Asset Control compliance programs as well as consumer and financial compliance. Ms. Jiménez helps bank executives and boards of directors of financial and nonfinancial institutions establish proper governance processes, providing tailored trainings, performing risk assessments as well as assisting institutions in responding to compliance matters requiring board attention, bringing practical hands-on experience to international and domestic banks. She also serves as an expert witness in complex litigation regarding compliance matters 

Ms. Jimenez developed the compliance program of Nave Bank, the first digital FDIC insured bank in Puerto Rico, where she played a key role in securing FDIC Insurance. Also serves as Senior Advisor to McKinsey & Company on compliance matters. Ms. Jiménez has also assisted as a subject matter expert to the Anti-Money Laundering Specialists Association (ACAMS) on their certifications for risk assessment, sanctions management, know your customer & enhanced due diligence practices. Currently she chairs the Editorial Board of the ACAMS publication in Spanish where she has published several articles on financial crimes and mentoring women in the industry. 

Highly knowledgeable in banking laws, regulations, risk management, and corporate governance, Ms. Jiménez has held several board positions. She has participated with the American Bankers Association (ABA) in various capacities, as co-chair and member of the Advisory Board on Financial Crimes and previously as Co-Chair of the ABA Compliance Administrative Committee and ACAMS Advisory Board. Additionally, Ms. Jimenez led the Puerto Rico Bankers Association Anti-Money Laundering Committee and still spearheads the leading educational Financial Crimes Symposium in Puerto Rico. 

Ms. Jiménez is a frequent public speaker both nationally and internationally (English and Spanish). She has cooperated with the US Treasury Department in the public and private sector dialogues with the Latin American financial community and currently trains regulatory bodies and government officials in Latin America. 

Ms. Jiménez previously served as Director of the Corporate Compliance Division for Popular, Inc., where she supervised the compliance function in Puerto Rico, the United States, and all other operations in the Caribbean and Latin America. While at Popular, Ms. Jiménez developed the structure for the compliance function and anti-money laundering program. She has additional, prior experience with multinational institutions as legal counsel and compliance supervisor with Citibank, Puerto Rico’s Commissioner of Financial Institutions, and Banco Santander where she developed the Legal Counsel Office and Corporate Compliance. Ms. Jiménez participates in boards of community-based organizations helping underserved communities and protection of the environment, as Chairwoman of Estuary of the San Juan Bay and Board Member of John J College of Criminal Justice in New York.