The Second Line of Defense: What It Means and Making It Stronger

  • When: April 29, 2020
  • Time: 12PM – 2PM ET
  • Level: All

The first defensive line of anti-financial crime (AFC) involves formalized policies and procedures. The third line is an independent audit to make sure systems are functioning. The linchpin connecting them is the second line of defense, which entails a designated (and independent) BSA/AFC officer with a direct line of communication to senior management; formalized ongoing training of both compliance personnel and front-line staff; and adequate human and IT resources. In a world of cybercrime, complex sanctions and sophisticated fraud schemes, fortifying the second line is of crucial importance. This webinar and its expert panelists will show you how.

Learning Objectives

  • Conducting an institutional risk assessment to identify AFC systemic needs such as human capital requirements and technological support
  • Attaining senior management buy-in to obtain appropriate resources and establish second line functions as a key component of a culture of compliance
  • Working with business lines and internal audit to formalize continuous assurance protocols such as periodic reviews to assess second line of defense efficacy

Who Should Attend

  • Compliance Personnel
  • Risk Managers
  • BSA/AML Officers
  • Relationship Managers
  • Senior Management
  • IT Specialists
  • Internal Audit


  • North America
  • Banking
  • Credit Unions
  • MSBs
  • Securities


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  • Jennifer B. Morrison, CAMS-Audit

  • VP, Senior Risk Manager
  • Corporate One Federal Credit Union


Imad Habre
  • Imad Habre, CAMS-Audit, CAMS-FCI

  • Head Of Internal Control Unit
  • IBL Bank S.A.L.


A Certified Anti Money Laundering Specialist (CAMS-Audit and CAMS-FCI), with a double major in Economics, Banking & Finance and an MBA in Finance.

Having over 13 years of experience in the fields of risk management, AML and compliance, with expertise in AML, Compliance, Operational risk, FATCA, CRS, GDPR, Sanctions and Terrorism financing.

Speaker and trainer with the ACAMS, Bureau van Dijk(A Moody’s Analytics company) and other organizations on topics related to Compliance, AML, Sanctions, FATCA, CRS, GDPR and risk management.

Currently heads the Group Internal Control function in the AML & Compliance department at IBL Bank Lebanon.

Maura Liconte
  • Maura Liconte, CAMS

  • Director, Deputy Head of Financial Crimes Investigations
  • Deutsche Bank


Maura Liconte is currently the Deputy Head of Financial Crimes Operations (“FCO”), Directorfor Deutsche Bank. As the Deputy Head of FCO, Maura isresponsible for conductingtheday to day oversight ofthe followingteams located inbothJacksonville, Florida and New Yorklocations: Financial CrimesInvestigationsUnit, Investigations, Suspicious Activity Reporting, Control Effectivenessand Management Information. The teams are responsible forconductingthe monitoring/surveillance, as well as the investigations and identification ofsuspicious activity for the bank, the filing of the Suspicious Activity Reports as per the Bank Secrecy Act regulations and also workingwith local law enforcement (i.e. FBI, Department of Justice andFinCEN). Prior to joining Deutsche Bank, Maura also workedatand held positions atthe following institutions: Standard Chartered Bank as the Head of Financial Intelligence Operations, Head of Anti-Money Laundering(“AML”)at Lloyd’s Banking Group, Deputy Head of AMLat Royal Bank of Scotland.Maura has over 15years ofAML/BSA experience as well asUS and foreign financial institutional, correspondent banking, FinTech, and broker-dealer experience.

ARobert J. Soniat
  • Robert J. Soniat, CAMS-FCI

  • Account Risk Management Sr. Associate
  • Federal Reserve Bank of New York