Former U.S. Treasury / FinCEN Bank Regulator

BSA/AML Subject Matter Expert

With over 20 years of Regulatory experience, Mr. Valencia lends his knowledge and experience to clients across the nation. As a former Global Compliance Liaison for U.S. Treasury FinCEN, Mr. Valencia provided assistance to representatives of other countries in planning, developing, and administering their Financial Intelligence Units to meet standards established by such bodies such as the Egmont Group and the Financial Action Task Force (FATF) in order to combat money laundering, terrorist financing, and other financial crimes around the world. Cesar also represented FinCEN at the Financial Action Task Force on Money Laundering World Conference in South America (GAFISUD), the FATF style regional body, where he participated in typologies working groups and mutual evaluation (country report) expert review groups. Having worked in Latin America, Hong Kong, & Dubai for some of the world’s largest banks, his unique perspective to Regulatory Risk and Anti-Money Laundering is unapparelled in the BSA/AML Industry.

Previous Experience:

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• Former U.S. Treasury / FinCEN Bank Regulator

• Former U.S. Treasury / FinCEN Representative to GAFISUD / GAFILAT (FATF style regional body)

• Former U.S. Treasury / OFAC Sanctions Investigator

Specializing in:

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• Regulatory Management

• Global AML Remediation Projects

• BSA/AML Program Development

• Anti-Money Laundering / Counter Terrorist Financing

• Customer Due Diligence / Enhanced Due Diligence

• Suspicious Activity Reports / Suspicious Transactions Reports

• Transaction monitoring and reviews of alerts

Experienced in:

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• Banking Compliance

• Compliance Audits

• Extensive experience in MENAP / Africa / Americas / Europe / Asia

Certifications:

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• CAMS and ICA Advanced AML certifications

• Certified Fraud Examiner (CFE) certification

• Fluent in Spanish (Native Proficiency)

Retired U.S. Navy Commander

Retired U.S. Navy Commander with over 33 years of experience in Command Operations and Intelligence. Exceptionally skilled in international Security Cooperation (ISC) in multiple areas of responsibility (especially EUCOM and AFRICOM). Broad range of experience in Service, Joint, Interagency, Law Enforcement Agency, Multi-National, and NATO Command Security Cooperation and Intelligence. Solid experience in Operations Program Management, Theater Intelligence Planning and Implementation, Open Source Intelligence Cooperation with US and Multi-National Military and Law Enforcement agencies, Counter-Terrorism, Counter Threat Finance, Counter Money Laundering, Counterintelligence, and Targeting. Full range of experience in HUMINT, SIGINT, IMINT, and OSINT analysis.

His extensive Military Intelligence experience allowed him the knowledge base to transition into the banking Anti-Money Laundering world with a superior skillset. His ability to look at complex foreign business structures and flow of funds patterns was a true asset to our team. His wealth of experience in Counter Narco-Terrorism along with his 30+ years of military experience brought a much-welcomed perspective on many of the cases we reviewed for potential money laundering and suspicious activity. His critical analysis skills were exceptional, giving him the ability to synthesize thousands of data points when conducting complex investigations on transnational targeted bank relationships. Any organization would be greatly enhanced having Chuck on their team. 

Previous Experience:

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• Senior Analyst and Information Architecture Advisor

• Counter Narco-Terrorism Liaison Officer

• Senior Counter-Threat Finance and Anti-Money Laundering Analyst

• Theater Intelligence Planner (Navy & Marine Corps)

• Force Protection/Critical Infrastructure Protection/Counter-Terrorism and Systems

• Officer in Charge (OIC), Tactical Analysis Cell, Commander Task Force 66 (CTF-66)

 Specializing in:

• AML Project Management

• System Analyzation

• Anti-Money Laundering

• Anti-Terrorist Financing

• Suspicious Activity Detection

• Transaction Monitoring and Alert Management

 Experienced in:

• BSA/AML Independent Audits

• BSA/AML Compliance

• Government Contract Negotiations

• Military Contracts

Certifications:

• U.S. Department of Defense Top Secret Clearance

Former International Bank Regulator & BSA/AML SME

Mr. Brown has over 20 years of experience working in the regulatory banking environment including 10 years as a State of Florida Senior International Banking Regulator working with Foreign Banks, Foreign Branches, Correspondent Banks, and Payable through Banks.

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With over ten years as a Banking Compliance Consultant utilizing his knowledge of Federal Reserve, FDIC, OCC, FINCEN, OFAC and other regulatory agencies laws, standards and regulations to help clients around the world.

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John’s regulatory experience includes examining banks from Europe; Latin America and the Caribbean utilizing the ROCA standards ensuing that all aspects of risks are examined such as; risk management; operational controls, compliance and asset quality.

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Mr. Brown is ACAMS Certified and has his MBA, MPA and DIBA. 

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Previous Experience:

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• State of Florida Senior International Banking Regulator

• Senior FIU Manager for Global Bank

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Specializing in:

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• BSA/AML Compliance

• Project Management

• Risk Assessment

• Internal Audit

• Compliance and Fraud Detection

• Banking Regulation

• OFAC and PEPs Monitoring

• KYC/CDD Oversight

• High Risk Analysis and Investigations

• Government Auditing and Budgeting

• NACHA

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Experienced in:

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• SAS70 audit standards

• Politically Exposed Persons (PEPs)

• Corporate Audit Services in accordance with the standards set forth by the Institute of Internal Auditors. 

• International Transactions

Certifications:

• Certified Anti-Money Laundering Specialist (CAMS)

• MBA

• MPA

• DIBA 

Attorney & FDIC Legal & Compliance Investigations Manager

With more than 20 years experience,  a Finance Compliance Risk Professional who holds a Bachelor's degree in International Business, Master's degree in International Finance from Johnson & Wales University, and a Juris Doctorate (JD) degree from Cal Southern University, coupled with industry certifications in Anti-Money Laundering (CAMS) and Fraud Examination (CFE). 

Ms. Smith possesses proven and progressive experience in accounting, corporate financial control, compliance risk management, audit and independent consulting. Smith is a female provider of consulting services that includes managerial oversight, compliance leadership and direction on financial crime engagements from coast to coast.

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Previous Experience:

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• FDIC Legal & Compliance Investigations Manager

• BSA/AML Model Validation SME

• BSA/AML Compliance Advisor & Trainer

• Vice President - Senior BSA/AML Compliance Audit Manager, Corporate Audit Services

• KYC Onboarding QA Project Lead

• Enterprise AML Modeling Governance Project Consultant

• AML Look Back Investigator

Specializing in:

• AML Project Management

• Model Validation

• Anti-Money Laundering

• Suspicious Activity Detection

• Transaction Monitoring and Alert Management

• Financial Crimes Risk Management

Experienced in:

• BSA/AML Independent Audits

• Banking Law

• FCRM Governance Structure

• Sarbanes-Oxley Regulation

• Financial Balance Sheets

Certifications:

• Certified Anti-Money Laundering Specialist (CAMS)

• Certified Fraud Examiner (CFE)

BSA/AML Project Management SME

With over 15 years’ experience in the Banking industry, Rodrigo has extensive Project Management experience.  Mr. Almeida recently managed an international EDD/KYC project for a Tier 1 global Bank, supervising over 100 consultants in various areas of the bank.

Rodrigo has a in depth understanding of business best practices of CIP/KYC processes, OFAC sanctions screening, Patriot Act sufficient documentation requirements, Suspicious Activity Reporting (SAR), Currency Transaction Reporting (CTR) and 314(a)(b) fulfillment requirements. Other core experience includes Training, and on-going activities such as Investigations, High Risk Enhanced Due Diligence (EDD), Customer Due Diligence (CDD) Reviews, Client On-Boarding, Risk Assessments, Quality Control Reviews, Look back projects and Alert Clearing. 

Previous Experience:

• BSA/AML Project Manager

• Supervised 100+ BSA/AML Analyst

• SAR Manager

• Branch Manager

Specializing in:

• Business Process Reengineering (BPR)

• Quality Assurance (QA)

• Change Management

• Business Intelligence (BI)

• SAR Stress Testing

• FACTA

• System Validations

• BSA/AML Audits

• EB-5 Investigations

• High Risk Customer Investigations

• Transaction Reviews

• Corporate Banking

Experienced in: 

• KYC

• EDD

• Client On-Boarding

• Risk Assessments

• Alert Investigations

• 314(a)(b) fulfillment requirements

Certifications:

• PMP

• ACA

• MBA

Languages: 

Spanish - Business Proficient

Portuguese - Fluent (Native Proficiency)

Enhanced Due Diligence Subject Matter Expert

Mauricio is an experienced and Certified Anti-Money Laundering Specialist with focus on Know Your Customer procedures, customer identification programs and BSA regulatory requirements for international and domestic institutions. With more than 25 years of working experience is various professional industries which include Banking and Accounting he brings a unique knowledge of the inner workings of financial institutions, organizations, industries, markets and products.

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For more than a decade, Mauricio has been involved with independent audits to Financial Institutions in matters related to Compliance with emphasis in client Accounts Analysis, Risk Assessment, Transaction Analysis, Transaction Monitoring and the reports and documentation required by federal and state authorities, like KYCs, SARs and dealing with high risk accounts, PEPs and OFAC sanctions.

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In Mr. Aguilar’s most recent years, he has been involved in projects with Banks and MSBs in USA, Central America, South America and the Caribbean.  This experience exposed him to the rules and regulations of several U.S. States and various Countries. During this experience he worked closely with the executives of these entities and auditors representing the financial and government institutions.

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Previous Experience:

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• Advisor to President of Banamex International Private Bank

• International Project Team Lead

• Bank OFAC Supervisor

• Bank Unit Supervisor & First Officer

Specializing in:

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• International Enhanced Due Diligence

• Complex International Business Customer Documentation

• BSA/AML Lookbacks

• Global AML Remediation Projects

• BSA/AML Independent Audits

• Anti-Money Laundering / Counter Terrorist Financing

• Suspicious Activity Reports / Suspicious Transactions Reports

• Transaction monitoring and assessments of alerts

• Management of Project Teams

• International MSBs

Experienced in:

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• International Banking Regulation

• Electronic Payments

• Electronic Funds Transfer (EFT)

• E-Wallet Transactions & Concepts

• MSB Independent BSA/AML Audits

• BSA, USA Patriot Act, OFAC, and AML regulations and best practices.

Certifications:

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• BSA/AML Senior Compliance Officer Certification - Florida International Bankers Association, Inc (FIBA-FIU)

Languages:

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• Fluent in Spanish (Native Proficiency)