AFC in Practice - Investigations Ep.3: How to Use HUMINT Effectively in EDD

George is a global expert anti-financial crime at ACAMS and member of ACAMS' global SMEs team. He previously headed the Paris branch of a leading corporate intelligence consultancy and has strong credentials in corporate investigations and political risk analysis.

An ACAMS-certified global sanctions specialist (CGSS) and certified anti-money laundering specialist (CAMS), he has expertise in the geopolitics, security and economics of wider Europe and the former Soviet Union. George has written extensively on international affairs and has published to date two books and hundreds of articles.

Stephanie Clark is an Associate – AFC, Thought Leadership, supporting the development of a variety of ACAMS’ thought leadership initiatives and publications. Prior to ACAMS, Stephanie was a financial crimes consultant at Wells Fargo Advisors, the investment arm of Wells Fargo Bank. She has previous experience in regulatory compliance at SunTrust Bank, as well as English and French language-enhanced due diligence research and investigations at Kroll, a corporate intelligence consultancy. Through her career, Stephanie’s focus on enhanced due diligence, open-source research, transaction monitoring, and know-your-customer (KYC) investigations has gained her a breadth of knowledge in second-line, anti-money laundering (AML) compliance at financial institutions. She has a master’s degree in international relations from George Mason University, where her research focused on French foreign policy.

With over 20 years of experience, Liliya has worked across the financial crime space in different roles and capacity and across different business segments. She has managed teams, due diligence projects in challenging environments, and led major investigations and litigation support cases. In the late 1990s she joined Bulgaria’s Financial Intelligence Unit where she headed the International Contacts and Legal Coordination department. Her experience also includes Transparency International in Berlin, several London-based investigative consultancy firms and the Royal Bank of Canada in London. In 2016 she joined Commerzbank London where she managed the AML Advisory and EDD Team until her appointment as head of Transactions Monitoring and Investigations/UK FIU and deputy MLRO. In 2020 she joined CACIB UK where she is the Head of UK Financial Security and MLRO. She holds a doctorate in AML policies from Tilburg University in the Netherlands and gives lectures at the University of Manchester. Liliya has collaborated with Stop the Traffik, a London-based non-profit organisation that fights human trafficking and slavery.

Holger Pauco-Dirscherl is an experienced and passionate Senior Financial Crime Professional with a unique blend of international knowledge, expertise and experience and fluent in English together with a good reputation in the national and international Financial Crime field. He holds an MBA from The Open University Business School and is certified as CAMS-RM, CAMS-Audit, CAMS, CGSS, CAMS-FCI, CAFS, CFE and CFCS. 

He worked in different operational and managerial roles within Financial Crime covering all areas such as AML, CTF, Fraud, Sanctions and ABC as well as KYC/CDD, KYE, Cross-Border Compliance, International Information Sharing, FATCA and other Compliance topics. Within these areas he covered both operational activities such as Procedures, Trainings, Monitoring, Screening and Controls as well as strategic activities as Risk Assessments, Policies, Projects and Framework build-ups within an ever changing local and global regulatory environment. Holger also investigated large, complex and international Money Laundering, Sanctions, Corruption and Fraud cases and identified suspicious activity and weak controls, processes, manuals and policies. Within his activities he offered pragmatic solutions to minimize Financial Crime and Regulatory Risk. 

He is also a recognized SME for Financial Crime heading the ACAMS Germany Chapter which he also founded, giving a wide range of trainings and acts as a speaker on conferences and symposiums both national and international.