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Alberto M. Avila, CAMS Compliance officer at Grupo BAL enterprises in Mexico City, he specializes in compliance with Mexican, U.S. and European money laundering legislation, interfacing with Mexican authorities on anti-money laundering laws and regulations, developing and revising compliance programs and designing, creating and establishing controls. Formerly, he was a manager with Mancera Ernst & Young’s financial unit and a compliance officer at HSBC in Mexico.
Gregory A. Baldwin, CAMS Partner at Holland & Knight in Miami, he practices in the areas of complex commercial litigation, specifically with respect to mattersinvolving federal and state securities fraud and racketeering laws (RICO). His areas of practice also include white collar crime, banking statutes and regulations concerning currency transactions and the Money Laundering Control Act and civil and criminal forfeitures. Baldwin also assists clients in developing and implementing corporate compliance programs aimed to prevent money laundering.
Elise J. Bean Staff Director and Chief Counsel, U.S. Senate Permanent Subcommittee on Investigations, Washington, she is one of the most influential Congressional staff members on money laundering and USA Patriot Act issues. Since 1999 she has directed investigations and hearings resulting in laws and regulations with global impact, primarily focused on private and correspondent banking and corrupt "politically exposed persons." She played a key role in drafting many of the money laundering provisions of the USA Patriot Act and the terrorist financing sections of the Intelligence Reform Act. In 2003, she led the hearings on the laundering of the secreted funds of Augusto Pinochet and others at Riggs Bank and inadequate U.S. regulatory supervision. In 2006, she led hearings into the abuses in corporate formation in U.S. states.
Karen Briggs Partner, KPMG, London, she chairs the forensic global money laundering steering group and heads the financial sector forensics group. She has led many money laundering, regulatory compliance and fraud investigations and reviews for clients around the world. Previously, she spent two years at the Bank of England and the Financial Services Authority as the head of investigations in the Enforcement Division. She has provided advisory services, training and workshops on money laundering and other financial crime in the United Kingdom and many other countries.
Karen Buck Burgess Senior Adviser, Office of Compliance Inspections and Examinations of the U.S. Securities and Exchange Commission, Washington. Karen assists in the coordination of the SEC’s anti-money laundering examinations for broker-dealers and mutual funds. Karen has held various legal positions at the SEC, including in the Division of Market Regulation, the Office of the Chairman, and the Office of the General Counsel (where she represented the SEC’s legislative agenda before Congress). A lawyer, she is a frequent speaker on money laundering issues and their application to the securities industry, including examinations of securities firms for Bank Secrecy Act and AML compliance.
John J. Byrne, CAMS Senior vice president and AML strategy executive at Bank of America in Washington, he assists in the development of the bank’s anti-money laundering policies and dialogues with federal and state regulatory and enforcement agencies on money laundering issues, regulations and policies. For 17 years, he was the director of the Center for Regulatory Compliance of the American Bankers Association and the leading spokesman on money laundering issues, legislation and regulations of the U.S. banking industry. He is a longtime member of the U.S. Treasury Department’s Bank Secrecy Act Advisory Group.
John W. Campbell Partner, regulatory advisory services at PricewaterhouseCoopers and managing partner of the firm’s foreign banking and anti-money laundering groups. He advises financial institutions on anti-money laundering regulations, examination policies and enforcement actions and has served as the lead partner in several high-profile money laundering cases in Europe and Asia. Formerly, he was an examiner at the U.S. Office of the Comptroller of the Currency for 17 years.
Donald Carbaugh Compliance director at JPMorgan Chase Bank, New York, he oversees the bank’s corporate money laundering risk assessments and anti-money laundering compliance testing and training programs. Previously, he was assistant director of the office of compliance of the U.S. Financial Crimes Enforcement Network, where he oversaw Bank Secrecy Act compliance matters referrals from examination agencies for disposition and negotiated information-sharing agreements with federal and state regulators. Previously, he was a senior examiner-in-charge at the U.S. Federal Deposit Insurance Corporation.
David B. Chenkin Partner, law firm Zeichner Ellman & Krause LLP, New York, he represents financial institutions in civil, criminal, regulatory and compliance matters. As head of the firm’s anti-money laundering and Bank Secrecy Act compliance groups, he represents institutions under investigation by Congress, federal, state and local prosecutors and banking regulators. He also handles confidential internal investigations for clients facing potential civil, criminal and regulatory problems.
Alain Damais Executive Secretary of the Financial Action Task Force (FATF) in Paris since January 2005, he organizes, prepares and coordinates the work of the Task Force. Prior to this appointment, he was Deputy Head of Division at the French Treasury between 1997 and 2002, working on anti-money laundering and anti-corruption issues. From 1997 until 2001 he acted as the Deputy Head of the French delegation to the FATF, as well as Head of the French delegation to the OECD working group on bribery. More recently, from May 2002 to late 2004, he was Senior Financial Sector Specialist at the Financial Market Integrity Unit (FSEFI) of the World Bank, in Washington, DC, in charge of creating and coordinating the anti-money laundering and combating terrorist financing assessment program of the World Bank.
Peter G. Djinis Practicing attorney in Sarasota, Florida, specializing in advising clients on Bank Secrecy Act and money laundering issues, he is a former top policy and regulatory official at the U.S. Financial Crimes Enforcement Network where he helped draft BSA regulations and played a key role in deciding penalty actions. Previously, he was a prosecutor with the U.S. Department of Justice. He is the editor of Money Laundering Alert’s Complete Bank Secrecy Act Regulations and drafted its section-by-section analysis.
Darren Donovan Principal, KPMG Forensic, Boston, national forensic banking and finance industry leader, he has extensive experience in representing diverse international clients in anti-money laundering, financial fraud, due diligence and fraud/integrity risk management. He has conducted several transactional look-backs for large financial institutions and led a team that conducted independent testing of the AML program of a large mutual fund firm, including review of its proprietary transaction monitoring system. Previously, he was associate director at Kroll, New York.
Lucy Edwards Former vice president of The Bank of New York, she and her husband, Peter Berlin, pleaded guilty in 2000 to a conspiracy to launder more than $7 billion in Russian funds through the bank. She was sentenced to house arrest and in July 2006 was ordered to pay restitution and fines. As part of her plea agreement, she cooperated with the U.S. Federal Bureau of Investigation and has assisted in the formulation of anti-money laundering rules and regulations in international banking.
Cynthia L. Eldridge Assistant United States Attorney in the U.S. Attorney’s Office in Mississippi, she has been among the most active federal prosecutors in the country in prosecuting persons involved in mortgage fraud and related money laundering. She has obtained the conviction of several persons in distinct real estate occupations and professions for those crimes. Previously, she led the prosecution against AmSouth Bank, which resulted in the then-largest forfeiture and money penalty ever imposed on a U.S. bank for Bank Secrecy Act violations, a combined $50 million in 2004.
Barry D. Emmert Vice president, U.S. AML compliance, ABN AMRO N.V., New York. Previously, he was a member of the corporate anti-money laundering team at JPMorgan Chase, New York, where he managed the bank’s anti-money laundering quality assurance team and global training program, and oversaw the bank’s risk assessment. He previously worked on white collar and money laundering criminal defense cases at a New York law firm.
Ralph M. Fatigate Director of litigation and fraud investigations at BDO Seidman, New York, he leads the firm’s anti-money laundering compliance initiatives. Formerly, as executive vice president of Optima Compliance and Consulting, he led the regulatory risk practice. Previously, as director of criminal investigations at the New York State Banking Department, he supervised money laundering investigations. He helped develop a data mining system to identify terrorist-related financing through wire transfers and trained foreign banks and regulators on AML.
Kevin Favreau
Vice president, global compliance and financial intelligence unit, Western Union Financial Services, Colorado, he oversees anti-money laundering compliance and education for the agent network. He built the internal financial intelligence unit, which interfaces with regulatory and law enforcement agencies. He was also director of agent compliance support and regional compliance for the northeastern United States. Previously, he conducted money laundering investigations for Investigative Group International and PricewaterhouseCoopers.
Brian Ferrell Assistant vice president and assistant general counsel in the compliance group, The Hartford Financial Services Group, Connecticut, he serves as senior anti-money laundering and Office of Foreign Assets Control compliance attorney. Previously, he was chief counsel of the U.S. Financial Crimes Enforcement Network, where he provided legal and policy advice on issues relating to the Bank Secrecy Act, anti-money laundering and terrorist financing, as well as domestic and international aspects of the use of information in enforcement operations.
Martin Feuer, CAMS Chief compliance officer of the North American business divisions of Zurich Financial Services, New York, he has 30 years experience in the financial service industry. Previously he worked as a director at Deloitte & Touche, a compliance officer for Banca di Roma’s U.S. operations and a senior examiner at the Federal Reserve Bank, New York. He is on the board of directors of the International Financial Services Association and is a member of the Association of Insurance Compliance Professionals.
Susan J. Galli, CAMS Independent consultant on anti-money laundering and Bank Secrecy Act compliance and related matters for banking associations and financial institutions. Previously, she was the senior anti-money laundering coordinator of the global anti-money laundering team and director of AML compliance for Latin America, Citigroup, New York. Previously, she was AML compliance officer for Banco Santander Central Hispano for the United States and Caribbean and served on the U.S. Treasury Department’s Bank Secrecy Act Advisory Group.
Ramon Garcia-Gibson Head of compliance, HSBC, Mexico City, he previously led the anti-money laundering unit at Grupo Financiero Banamex-Citigroup and compliance operations at Grupo Financiero Santander-Serfin. As one of the most respected anti-money laundering experts in Latin America, he has consulted with the World Bank’s Latin America and Caribbean Group in Washington. Previously, he spent nine years as a financial regulator with the Mexican Banking and Securities Commission.
Richard H. Harvey, Jr.
Chief compliance officer, Rabobank, N.A., Salinas, California, he manages the Bank Secrecy Act compliance, safety and soundness and information technology examinations. He also serves on the faculty of the American Bankers Association’s School of Compliance. Formerly, he held various compliance positions at financial institutions including Washington Mutual and E*Trade Bank. For seven years, he served as an enforcement and litigation attorney at the U.S. Office of Thrift Supervision.
Sheila Haney Examination director in the Sales Practice Review Unit of the New York Stock Exchange. She is responsible for overseeing 40 examiners that conduct sales practice examinations for member organizations, including anti-money laundering compliance programs. Previously, she participated in industry and regulatory committees, such as the Bank Secrecy Act Advisory Group (BSAAG), the Options Self-Regulatory Council (OSRC) and the Subcommittees for Securities-Futures and Suspicious Activity Reports (SARs).
Patricia I. Hayhurst President of the mortgage banking firm, Hayhurst Mortgage, she has more than 18 years of experience in real estate lending. She began her company in 1987 to open doors to both ideal buyers and investors and those turned away from more traditional institutions. She has been a leader of the efforts of the state of Florida to crack down on mortgage fraud and is a leading mortgage banking spokesperson for reforms and prosecutions.
Phillip Hull
Special agent, U.S. Internal Revenue Service Criminal Investigation Division, Mississippi. He has completed more than 100 criminal investigations of money laundering organizations, white-collar crime and large-scale non-narcotics operations. He is the case agent in numerous cases of mortgage fraud and related laundering, and was the case agent in the AmSouth case, which led to the forfeiture and Bank Secrecy Act penalty against the bank of $50 million in 2004.
Charles A. Intriago Founder of Money Laundering Alert, in 1989, and moneylaundering.com and lavadodinero.com,leading authorities on money laundering and terrorist financing. Earlier, he served in Miami as a U.S. federal prosecutor specializing in corruption cases, as special counsel on organized crime to Governor Reubin Askew of Florida, and, in Washington, as chief counsel to a U.S. House subcommittee that oversaw the operations of all U.S. agencies now involved in the money laundering control effort.
Yvonne Jones Director, financial markets and community investment, U.S. Government Accountability Office, the investigative arm of Congress, where she oversees implementation of the USA Patriot Act by financial institutions, reviews Bank Secrecy Act examination activities of federal banking agencies, and, recently, state incorporation requirements and abuses. For three years, she was acting director at the GAO’s international affairs and trade division.
Marie G. Kerr, CAMS President, ShamrockAML, a compliance consulting firm in Maryland, she created compliance software for the financial services sector and has spent 20 years in hands-on IT work. Her firm specializes in implementing vendor anti-money laundering solutions, performing look-backs, validations and independent testing, and Bank Secrecy Act/anti-money laundering program assessments. She spent 10 years as the vice president of electronic banking at Riggs Bank, Washington.
Ami Kim, CAMS
Manager anti-money laundering compliance, Capital One Financial Corporation, Falls Church, Virginia. She administers the money laundering controls and handles issues dealing with governance, reporting to senior management and the board of directors. Her duties include risk assessment, policy development, training, auditor and examiner relations, remedial actions and compliance monitoring. A lawyer, she previously helped manage litigation in the legal division.
Ron P. King, CAMS Vice president and chief anti-money laundering officer, Scotiabank, Toronto, he designs, develops, implements and maintains Scotiabank Group’s global anti-money laundering and counter-terrorism financing program. He coordinates all activities related to anti-money laundering and anti-terrorist financing for the major business lines for the institution and supports management in assessing and managing enterprise-wide risks, developing standards and procedures for anti-money laundering controls, training and monitoring transactions.
Woodrow W. Kirk, Jr., CAMS
Independent consultant in Miami who previously spent 21 years as a federal agent with the U.S. Internal Revenue Service and the U.S. Customs Service, working money laundering and fraud cases. He helped lead two joint federal, state and local money laundering strike forces in South Florida. Fluent in Spanish, "Woody" has advised Ecuador, Costa Rica, Australia and other nations on money laundering legislation and training, and U.S. money services businesses on AML compliance. In recent years, several U.S. banks have hired him to perform "look-backs," entailing analysis of voluminous accounts, recommendations on "back-filing" suspicious activity reports, review of the work of analysts and training.
Barry Koch, CAMS
Global head of anti-money laundering, American Express Company, New York, he manages the corporate AML and sanctions programs and oversees the compliance programs for its foreign exchange and travelers cheques businesses. He is a member of the U.S. Treasury Department’s Bank Secrecy Act Advisory Group. Previously, he was a senior vice president of risk management and investigations at Charles Schwab & Co.
Kay D. Kuhlman Assistant director, financial markets and community investment division, U.S. Government Accountability Office, the investigative arm of Congress, she manages studies and audits related to AML and banking issues. She recently completed reports on financial institution implementation of USA Patriot Act regulations and state incorporation requirements as a factor in money laundering controls. Previously, she was detailed to the U.S. Senate Committee on Appropriations.
William D. Langford
Senior vice president and director of global anti-money laundering, JPMorgan Chase, New York, he oversees the global anti-money laundering program. Previously, he was associate director for regulatory policy and programs at the U.S. Financial Crimes Enforcement Network. As a senior advisor to Treasury Department’s general counsel, he also played a key role in the implementation of the anti-terrorism and AML provisions of the USA Patriot Act.
Mark E. Matthews Partner in Morgan Lewis' Corporate Investigations and White Collar Tax Litigation Practices in Washington, he has experience in criminal tax enforcement,
broad-based civil tax compliance, white collar, and anti-money laundering.
Prior to joining Morgan Lewis, he served as IRS Deputy
Commissioner and was responsible for the IRS's four civil
operating divisions, the Criminal Investigation Division, and the Office of
Professional Responsibility, which regulates tax practitioner ethics.
Michael R. McDonald, CAMS
Principal, Michael McDonald and Associates, Miami, a consulting firm specializing in anti-money laundering issues and examinations of the AML controls of banks and money transmitters and government operations. For 28 years, he was a special agent of the U.S. IRS Criminal Investigation Division, where he was a pioneer of the U.S. AML effort helping to found Operation Greenback in South Florida in 1979. He is a member of the advisory board of the Association of Certified Anti-Money Laundering Specialists.
Christopher A. Myers, CAMS
Co-chair, Holland & Knight’s global compliance and governance national practice team and member of the white collar defense team, Washington. He is a former federal prosecutor and has handled a broad range of complex matters affecting financial institutions, securities firms and other companies. He has represented clients in anti-money laundering, civil and criminal fraud investigations, corporate governance, design and implementation of compliance programs, and administrative litigation.
Debra L. Novak, CAMS Chief, supervision and consumer protection division, U.S. Federal Deposit Insurance Corporation’s anti-money laundering section, she assists in developing Bank Secrecy Act and USA Patriot Act policies, oversees evaluations of institutions with considerable BSA concerns and notifies the banking industry about Office of Foreign Assets Control sanctions. She assisted in the development of the revolutionary, interagency Bank Secrecy Act/Anti-Money Laundering Examination Manual of the Federal Financial Institutions Examination Council.
Robert S. Pasley Most recently, he was a Senior Vice President in the AML policy area for Bank of America. Prior to that, he served as a contractor for FinCEN, working on policy issues, handling specific cases, and assisting in drafting the final 312 regulation. He has also worked as an Assistant Director of the Enforcement and Compliance Division with the Office of the Comptroller of the Currency, where he specialized in the AML area. He is a graduate of the Cornell Law School and of the Stonier Graduate School of Banking. His honors thesis at Stonier was on the Consolidation of the Banking Agencies.
Veronica M. Perez, CAMS Chief Compliance Officer, Grupo Quisqueyana money services business, Santo Domingo, Dominican Republic, she oversees the company’s anti-money laundering and compliance programs. The company has a large network of offices and agents in the United States, principally in the Greater New York region. Previously, she was the compliance officer for Remesas Quisqueyana.
Rachel Raemore Currently the Anti-Money Laundering Compliance Director for the Capital Management and Wealth Management Groups at Wachovia Corporation, shel ensures that each business line within the two divisions has analyzed and instituted the appropriate programs relative to managing AML and OFAC risks. Prior to that, Rachel was the Compliance Director for the Retail Broker Dealer of First Union, now Wachovia.
James R. Richards, CAMS
Bank Secrecy Act and anti-money laundering officer, Wells Fargo, San Francisco, he is a widely respected and innovative AML officer who helped create the concept of financial intelligence units within financial institutions to coordinate a company-wide approach to the prevention of money laundering and financial crime. He is a former Canadian prosecutor and served as anti-money laundering operations executive at Bank of America in Boston and FleetBoston Financial Group. He authored a book on transnational and organized crime and money laundering.
Saskia V. Rietbroek-Garces, CAMS
President, AML Services International LLC, Miami, she was the first executive director of the Association of Certified Anti-Money Laundering Specialists (ACAMS) from 2002. A native of the Netherlands, she speaks five languages and serves on Money Laundering Alert’s editorial board of advisors and helps produce training and certification programs for ACAMS.
Stephan Robinson For 19 years, he has worked at the IRS-CI Miami field officce investigating tax crimes, money laundering and related offenses. Assigned to an IRS-CI-sponsored High Intensity Financial Crimes Area (HIFCA) task force and the South Florida Joint Terrorism Task Force (JTTF)m he has worked money laundering investigations - involving white-collar fraud, narcotics, and other Specified Unlawful Activities (SUAs) - and many Title 31, Bank Secrecy Act (BSA) cases. He is also a member of IRS-CI's national Money Laundering Expert Witness (MLEW) cadre and is U.S. District Court-qualified.
Andrew L. Sandler
Partner, Skadden, Arps, Slate, Meagher and Flom LLP, Washington, he leads the firm’s financial services enforcement and litigation practice and is a member of the criminal and civil litigation practice. He has represented banks and financial services firms in anti-money laundering matters, including AmSouth Bank’s deferred prosecution agreement. His enforcement practice focuses on anti-money laundering, financial products, mortgage fraud, privacy, information security and the USA Patriot Act.
Markus Schulz
Chief operating officer, anti-money laundering compliance, ABN AMRO, the Netherlands, he is responsible for managing all anti-money laundering matters, including projects, strategic agendas, planning, governance, communication, training, human resources and functional business support. He managed the AML transaction surveillance optimization program in 2005, establishing a global transaction surveillance system. He has served ABN AMRO in various roles since 1995 in Germany, the United Kingdom and the Netherlands.
Richard A. Small
Global anti-money laundering leader, GE Money, Stamford, Connecticut, and one of the leading world experts on money laundering issues, he previously served as the managing director of global anti-money laundering at Citigroup, overseeing and helping to develop global AML policies and procedures. He joined the Federal Reserve System as special counsel in 1989, with responsibility for all Bank Secrecy Act and money laundering matters, conducting investigations of complex financial transactions, suspicious activities and related enforcement actions. He is on the Advisory Board of the Association of Certified Anti-Money Laundering Specialists.
Daniel D. Soto, CAMS
Chief compliance officer, RBC Centura, Raleigh, North Carolina, he plays a key role and supervises all AML policies and procedures. Previously, he oversaw Bank of America’s anti-money laundering and Office of Foreign Assets Control global compliance and was a bank examiner with the U.S. Federal Deposit Insurance Corporation and the U.S. Federal Reserve System. He helped develop the Federal Reserve’s anti-money laundering examination policies. He is recognized as an expert in the international money laundering compliance field and served as Chairman of the Association of Certified Anti-Money Laundering Specialists for four years.
Kevin Sullivan, CAMS Money laundering investigator, New York State Police, New York, assigned to the High Intensity Financial Crimes Area (HIFCA) El Dorado Federal Task Force. He has participated in many money laundering investigations at the multi-agency investigative task force, which provides intelligence support to law enforcement and regulatory agencies in money laundering and other financial crime matters. He is co-chair of the New York Chapter of the Association of Certified Anti-Money Laundering Specialists.
John Wagner, CAMS
Director of Bank Secrecy Act and anti-money laundering compliance, U.S. Office of the Comptroller of the Currency, Washington, he supervises development of BSA/AML examination policy and procedures and training programs for the OCC field staff. He also provides policy interpretation and guidance to field examiners and staff and represents the OCC and the U.S. Treasury Department on interagency task forces on money laundering issues. A national bank examiner, he previously was a BSA/AML specialist in the OCC’s compliance policy division.
Robert Walsh Vice president of the anti-money laundering program at AXA Financial, New York, which is part of a global insurance company with assets of $1.4 trillion. He previously worked as a derivatives trader at Bankers Trust and as senior counsel at the Ontario Securities Commission, Canada, where he oversaw the demutualization of a large Canadian life insurance company. He is a member of the anti-money laundering committee of the American Council of Life Insurers.
Peter Ziverts Vice president, external partnerships of the global anti-money compliance department, Western Union, Denver, he develops, maintains and facilitates relationships with federal, state and foreign government regulators and policy makers in connection with anti-money laundering issues and compliance. He also works with non-governmental organizations in their capacity as opinion leaders on global AML policy issues.
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Pronto Money Transfer, Torrance, CA USA
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Caribbean Mercantile Bank NV, Oranjes, Aruba
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Russell Investment Group
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Banco Continental de Panama, Panama
“The largest, most useful gathering on AML topics I've ever attended.”
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BHS New York Corp.
New York, USA
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Mary Rand
AXA Equitable
Syracuse, New York, USA
specializes in compliance with Mexican, U.S. and European money laundering legislation, interfacing with Mexican authorities on anti-money laundering laws and regulations, developing and revising compliance programs and designing, creating and establishing controls. Formerly, he was a manager with Mancera Ernst & Young’s financial unit and a compliance officer at HSBC in Mexico.
commercial litigation, specifically with respect to mattersinvolving federal and state securities fraud and racketeering laws (RICO). His areas of practice also include white collar crime, banking statutes and regulations concerning currency transactions and the Money Laundering Control Act and civil and criminal forfeitures. Baldwin also assists clients in developing and implementing corporate compliance programs aimed to prevent money laundering. 
John J. Byrne, CAMS Senior vice president and AML strategy executive at Bank of America in Washington, he assists in the development of the bank’s anti-money laundering policies and dialogues with federal and state regulatory and enforcement agencies on money laundering issues, regulations and policies. For 17 years, he was the director of the Center for Regulatory Compliance of the American Bankers Association and the leading spokesman on money laundering issues, legislation and regulations of the U.S. banking industry. He is a longtime member of the U.S. Treasury Department’s Bank Secrecy Act Advisory Group.
Peter G. Djinis Practicing attorney in Sarasota, Florida, specializing in advising clients on Bank Secrecy Act and money laundering issues, he is a former top policy and regulatory official at the U.S. Financial Crimes Enforcement Network where he helped draft BSA regulations and played a key role in deciding penalty actions. Previously, he was a prosecutor with the U.S. Department of Justice. He is the editor of Money Laundering Alert’s Complete Bank Secrecy Act Regulations and drafted its section-by-section analysis.
Cynthia L. Eldridge Assistant United States Attorney in the U.S. Attorney’s Office in Mississippi, she has been among the most active federal prosecutors in the country in prosecuting persons involved in mortgage fraud and related money laundering. She has obtained the conviction of several persons in distinct real estate occupations and professions for those crimes. Previously, she led the prosecution against AmSouth Bank, which resulted in the then-largest forfeiture and money penalty ever imposed on a U.S. bank for Bank Secrecy Act violations, a combined $50 million in 2004. 
Susan J. Galli, CAMS Independent consultant on anti-money laundering and Bank Secrecy Act compliance and related matters for banking associations and financial institutions. Previously, she was the senior anti-money laundering coordinator of the global anti-money laundering team and director of AML compliance for Latin America, Citigroup, New York. Previously, she was AML compliance officer for Banco Santander Central Hispano for the United States and Caribbean and served on the U.S. Treasury Department’s Bank Secrecy Act Advisory Group.
Charles A. Intriago Founder of Money Laundering Alert, in 1989, and moneylaundering.com and lavadodinero.com,leading authorities on money laundering and terrorist financing. Earlier, he served in Miami as a U.S. federal prosecutor specializing in corruption cases, as special counsel on organized crime to Governor Reubin Askew of Florida, and, in Washington, as chief counsel to a U.S. House subcommittee that oversaw the operations of all U.S. agencies now involved in the money laundering control effort. 
Ami Kim, CAMS
Manager anti-money laundering compliance, Capital One Financial Corporation, Falls Church, Virginia. She administers the money laundering controls and handles issues dealing with governance, reporting to senior management and the board of directors. Her duties include risk assessment, policy development, training, auditor and examiner relations, remedial actions and compliance monitoring. A lawyer, she previously helped manage litigation in the legal division.
William D. Langford
Senior vice president and director of global anti-money laundering, JPMorgan Chase, New York, he oversees the global anti-money laundering program. Previously, he was associate director for regulatory policy and programs at the U.S. Financial Crimes Enforcement Network. As a senior advisor to Treasury Department’s general counsel, he also played a key role in the implementation of the anti-terrorism and AML provisions of the USA Patriot Act. 
Practices in Washington, he has experience in criminal tax enforcement,
broad-based civil tax compliance, white collar, and anti-money laundering.
Prior to joining Morgan Lewis, he served as IRS Deputy
Commissioner and was responsible for the IRS's four civil
operating divisions, the Criminal Investigation Division, and the Office of
Professional Responsibility, which regulates tax practitioner ethics.
firm specializing in anti-money laundering issues and examinations of the AML controls of banks and money transmitters and government operations. For 28 years, he was a special agent of the U.S. IRS Criminal Investigation Division, where he was a pioneer of the U.S. AML effort helping to found Operation Greenback in South Florida in 1979. He is a member of the advisory board of the Association of Certified Anti-Money Laundering Specialists.
Christopher A. Myers, CAMS
Co-chair, Holland & Knight’s global compliance and governance national practice team and member of the white collar defense team, Washington. He is a former federal prosecutor and has handled a broad range of complex matters affecting financial institutions, securities firms and other companies. He has represented clients in anti-money laundering, civil and criminal fraud investigations, corporate governance, design and implementation of compliance programs, and administrative litigation. 
James R. Richards, CAMS
Bank Secrecy Act and anti-money laundering officer, Wells Fargo, San Francisco, he is a widely respected and innovative AML officer who helped create the concept of financial intelligence units within financial institutions to coordinate a company-wide approach to the prevention of money laundering and financial crime. He is a former Canadian prosecutor and served as anti-money laundering operations executive at Bank of America in Boston and FleetBoston Financial Group. He authored a book on transnational and organized crime and money laundering.
Saskia V. Rietbroek-Garces, CAMS
President, AML Services International LLC, Miami, she was the first executive director of the Association of Certified Anti-Money Laundering Specialists (ACAMS) from 2002. A native of the Netherlands, she speaks five languages and serves on Money Laundering Alert’s editorial board of advisors and helps produce training and certification programs for ACAMS.
Daniel D. Soto, CAMS
Chief compliance officer, RBC Centura, Raleigh, North Carolina, he plays a key role and supervises all AML policies and procedures. Previously, he oversaw Bank of America’s anti-money laundering and Office of Foreign Assets Control global compliance and was a bank examiner with the U.S. Federal Deposit Insurance Corporation and the U.S. Federal Reserve System. He helped develop the Federal Reserve’s anti-money laundering examination policies. He is recognized as an expert in the international money laundering compliance field and served as Chairman of the Association of Certified Anti-Money Laundering Specialists for four years.
John Wagner, CAMS
Director of Bank Secrecy Act and anti-money laundering compliance, U.S. Office of the Comptroller of the Currency, Washington, he supervises development of BSA/AML examination policy and procedures and training programs for the OCC field staff. He also provides policy interpretation and guidance to field examiners and staff and represents the OCC and the U.S. Treasury Department on interagency task forces on money laundering issues. A national bank examiner, he previously was a BSA/AML specialist in the OCC’s compliance policy division.