Justin Masterman is an experienced AML Officer with diversified experience in the development, implementation, and administration of AML/CFT and Fraud Compliance Programs. His expertise comes from a decade of service in traditional banking and fintechs. He has a proven track record of effectively responding to regulatory changes, managing and leading teams, implementing practices of a robust compliance management system, and believing that a well-informed team is the best line of defense against fraud and financial crimes. This commitment extends to direct contributions to the continuous improvement of compliance, AML, and Fraud programs within the organizations served. Currently serving as the BSA Officer for Celtic Bank Corporation, Justin has been recognized on several occasions by law enforcement through FinCEN for alerting agencies of financial crime, as well responsible for creating global AML/CFT, Sanctions, and Fraud Compliance Programs for start up fintechs.