AFC in Practice: Avoiding Fraud in Virtual Customer Onboarding and Digital KYC​

Benay Nachin has over 30 years of industry experience with a focus on BSA/AML compliance.  She currently works at BNY as a senior Vice President in the Enterprise Onboarding Platform  .  She has worked on several projects at the bank, the most recent being compliance/technical support for the development of the Customer Risk Rating methodology.  Prior to BNY Benay spent five years in consulting with Capco and Deloitte.  While working as a consultant, Benay was exposed to all types of financial institutions, bank and non-bank, and her projects consisted of everything from AML Program Development to KYC remediations.

Benay has also had the unique opportunity to volunteer her financial expertise overseas in Amman, Jordan and Moscow, Russia teaching bankers in these countries about U.S. best practices.

She obtained a Bachelor of Science degree in Accounting from the Indiana University of Pennsylvania.  She holds certifications in Compliance (CRCM) and AML (CAMS-FCI).

Swapnil Agrawal is an accomplished Senior Executive with 23 years of Banking and Financial Services experience specializing in Financial Crimes for Correspondent Banking and Retail. Swapnil is currently heading the Risk consultancy arm for MARKS Ventures with projects focused on preventing Financial Crimes related to Cannabis industry, providing technology innovation in Fin Crime platforms and consulting to Banks impacted with MRA and C&D. Swapnil is a prominent speaker at various FinCrime and Regtech events. Swapnil lives in New Jersey and enjoys his downtime researching about Aliens and reading science fiction books.

Kiratbir Khurana serves as the Head of KYC at eBay, one of the largest online marketplace platforms. Kiratbir has over 17 years of experience in various financial institutions and fintech companies. Previously, he was the KYC Director at Coinbase and worked on revamping the KYC program. He also spent over six years at Citibank implementing new global KYC policy and processes. Prior to that, he was at BNP Paribas and Moody's Investor Service. Kiratbir is an engineer at heart and combines knowledge of KYC with product know-how to design and scale global AML programs. In his free time he enjoys spending time with his wife and daughter in the outdoors. Kiratbir holds CGSS and CAMS certifications and has a bachelors and masters degree in Electrical Engineering.

Ray Olsen is an accomplished financial crime executive leader with 19 years of professional banking and financial services experience, specifically in Fraud, AML/BSA and OFAC. He is currently the Senior Vice President Senior Director of Enterprise Fraud Management at the Wintrust Financial Corporation in Rosemont, IL. Wintrust Financial Corporation is a full-service bank, 68 billion in assets, 200 branch locations in IL, WI, IN, MI and FL.  Ray leads a large team of Fraud Investigative professional fraud analysts, investigators, and leaders. Ray is a former law enforcement officer and a US Army Reserve veteran.