OPTIONAL PRE-CONFERENCE WORKSHOP:
Fraud Identification and Prevention Workshop

You can book your flights to include this pre-conference workshop.  Registration and program to be available soon.

EXPANDED SESSIONS
(Select from two options.)

Expanded Session #1:  "How's Your BSA/AML Program?"
In light of this past year's enforcement actions and heightened expectations by regulatory entities, now is a good time to review your BSA/AML program.  Presenters for this expanded session will examine how recent regulatory actions might impact current practices.  We'll discuss how increased expectations for CIP, CDD/EDD and transaction monitoring impact the critical pillars of your program and how to best prepare for future exams.

Speakers:
John H. Atkinson, Director, Regulatory Risk Consulting, Protiviti Inc.
Megan Hodge, Chief Compliance Officer, RBC Bank
Chuck Lewis, CRCM, Vice President, MBA Compliance Services, Missouri Bankers Association

Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Compliance Officer, Morrill & Janes Bank and Trust Company

Expanded Session #2:  "Filing CTRs and the New SAR Form:  What You Need to Know"
With the March 2013 deadline soon approaching, is your institution ready for the mandatory filing of the new format of the CTR and SAR? This session will discuss the steps you need to take to ensure your organization is prepared, the new format of the SAR and CTR along with the additional data fields you’ll need to capture.  The presenters will also discuss the benefits of the new forms to both your organization and law enforcement.

Speakers:
Shannon Bennett, CRCM, CAMS, Director, Financial Crime Control Strategy & Consulting, Wolters Klower Financial Services, Inc.
Lisa Funaro, Vice President and Compliance Officer, Ridgewood Savings Bank 

CONCURRENT SERIES 1
(Select from five options.)

Session 1A:  "Avoiding Audit Pitfalls" (Repeated in 2A)
Regulators’ expectations for independently testing the effective of BSA/AML programs continue to advance evolve – in both business-as-usual and enforcement action remediation environments.  This panel will discuss sound and leading practices for managing the all-important "Fourth Pillar" requirements:

Business-as-usual (BAU) environment:
-Developing a risk-based test plan that covers your bases;
-Scope and scoping considerations – what works, what doesn’t;
-Quality reporting and getting results.

Session 1B: "AML Third Party Relationships: Managing the Risks "  (Repeated in 2B)
Bankers have recently seen the negative consequences for  having an ineffective vendor management program.  In this session, we will explore vendor management issues specific to your AML program.  Experts will discuss:

• What are your obligations in conducting a thorough due diligence review of your service provider;
• What should you be requesting and reviewing from the service provider, (policies, procedures, internal controls and training materials) to ensure that they are in compliance with AML regulatory requirements and regulatory expectations;
• What should you include in your service provider contract, including clear compliance expectations  as well as appropriate and enforceable consequences for violating any compliance-related responsibilities;
• How to establish internal controls and on-going monitoring to determine whether the service provider is complying with Federal and International laws; 
• When to take prompt action to address problems identified through the monitoring process.
  

Speakers:
J. Michael Edison, CEO, Fortrex Technologies, Inc.
Grace F. Morgan, Deputy BSA Officer and AML Program Director, Ally Financial
Elizabeth M. Snyder, CRCM, Senior Vice President, Compliance & Risk Management, Illinois Bankers Association

Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Compliance Officer, Morrill & Janes Bank and Trust Company

Session 1C:  "How to Implement and Tune Surveillance Rules"  (Repeated in 2C)
Modeling is increasingly important to the AML industry, with almost every program using AML models for some purpose (surveillance, OFAC). This session will dive into the technical issues concerning AML model scenario tuning. We will focus on concepts that banks both large and small should employ to determine tuning frequency for a scenario, statistical techniques used to evaluate the effectiveness of a threshold, criteria for retiring scenarios, ensuring the effectiveness of the alert reviews, and the quantitative expertise needed in running a tuning program.

Speakers:
Jim Arndts, Head, Global AML Financial Intelligence Unit, Global AML Compliance, RBC
Georges Korsun, Director, Deloitte Advisory Services

Moderator/Speaker:
Peter J. Neilson, Managing Vice President, Anti-Money Laundering Compliance Officer,
Capital One Bank


Session 1D:  "From the Desk of the IRS:  Lessons Learned from Recent Tax Enforcement Cases"  (Repeated in 2D)
Tax enforcement has become an emerging international issue over the past several years.  From UBS to Wegelin Bank, from the new FATF 40 recommendations to FATCA, IRS is gearing up to impact financial institutions and how they deal with taxes.  This session is designed to explore the impact tax enforcement is having on AML programs including:

-What lessons can be learned from recent tax investigations?
-What impact would considering tax evasion a predicate for money laundering have on your program?
-What are the expectations on financial institutions to identify and report transactions that appear to relate to tax evasion?
-What impact will FATCA have on your institution small or large?

Speakers:
Kevin M. Downing, Member, Miller & Chevalier
Richard Weber, Chief Criminal Investigation, IRS Criminal Investigation
Ellen Zimiles, Managing Director, Head of Global Investigations and Compliance, Disputes and Investigations Practice, Navigant, Inc.

Moderator:
Brian J. Wimpling, CAMS, Senior Vice President, Capital City Bank


Session 1E:  "Current Issues in OFAC Compliance"  (Repeated in 2E)
Managing the different sanctions compliance risks and regulatory requirements remains a crucial area of risk management for all BSA professionals.  This panel will enable you to keep up to date on critical recent developments, changes in economic sanctions and important Treasury issuances through OFAC and FinCEN.  You will hear discussions covering:

• Exam expectations and requirements
• New OFAC and FinCEN rules relating to Iran (CISADA, NDAA)
• Updating your sanctions program – What has changed?
• What are hot issues? monitoring and risk assessment tips
• The benefits of applying a more accurate risk assessment to sanctions risk management.
• Resource allocation and use of technology
• Regulatory reporting and available information for when further due-diligence is needed.

Speakers:
Alba J. Rovira-Paoli, Senior Vice President, Regulatory Compliance,
Global Sanctions Compliance, Citigroup Inc.
Timothy R. White, CAMS, National Risk Specialist, BSA & OFAC Automation Specialist,
Banker's Toolbox, Inc.

​GENERAL SESSION
"What's New in SAR Reporting?"

Speakers:
Michael Deluca, Deputy Assistant Director, Regulatory Analysis, Financial Crimes Enforcement Network (FinCEN)
Joseph Gallion, Deputy Assistant Director, Financial, Narcotics and Special Operations Division, ICE-Homeland Security Investigations
Douglas A. Leff, Assistant Special Agent in Charge, Federal Bureau of Investigation  -  New York Office

Moderator:
Richard A. Small, CAMS, Vice President, Enterprise Wide Anti-Money Laundering and Sanctions Risk Management, American Express

POWER SESSION
Sponsored by:  SAS

"Using Analytics to Drive Efficiency Across AML Operations"  
Leading financial institutions have leveraged analytics to govern the effectiveness and efficiency of AML operations.  From client risk rating to transaction monitoring to case disposition, AML compliance organizations use a variety of methods to track and monitor performance.  Recent regulatory guidance has established expectations for using analytics and models to manage key money laundering risks. 
 
This session will highlight how Bank of America ‘s Global Financial Crimes Compliance team utilizes analytics to support strategy, monitor performance, optimize efficiency, and insure their processes adapt to emerging risks.  SAS will discuss how institutions are evolving their cultures to apply analytics across AML operations through a series of industry case studies.

Speakers:
Paul B. Dougherty, Senior Compliance Executive and Chief Operating Officer, Global Financial Crimes Compliance Organization, Bank of America

​KEY NOTE ADDRESS: 
The Honorable Virginia Mary Kendall, United States District Court for the Northern District of Illinois
Judge Kendall is a District Judge for the United States District Court for the Northern District of Illinois. A noted expert on child exploitation and human trafficking, she was one of the authors of a book titled, "Child Exploitation and Trafficking: Examining the Global Challenges and U.S. Responses."  She will discuss pertinent issues surrounding trafficking including perspectives on the investigative, prosecutorial, and rehabilitative issues in these cases.

​GENERAL SESSION
"Hot AML Issues in 2012 and What Should Be at the Top of Your To-Do List in 2013"
This roundtable discussion will cover the critical AML challenges and provide insights on how to prioritize your activities and focus in the coming year.  This will include a conversation about lessons learned from recent enforcement actions (including internal audit failures, monitoring failures, compensation issues, check activity, etc.) and other new issues stemming from legislative and regulatory concerns.

Speakers:
William D. Langford, Jr., General Counsel for Global Compliance and Regulatory Management, JPMorgan Chase & Co. 
Teresa A. Pesce, Principal, KPMG LLP
Richard A. Small, CAMS, Vice President, Enterprise Wide Anti-Money Laundering and Sanctions Risk Management, American Express
Daniel P. Stipano, Deputy Chief Counsel, Office of the Comptroller of the Currency

Moderator:
John J. Byrne, CAMS, Executive Vice President, Association of Certified Anti-Money Laundering Specialists (ACAMS)

​CONCURRENT SERIES 3
(Select from five options.)

Session 3C:  "How to Design a Monitoring and Testing Program" (Repeated in 4C)
Recent enforcement actions highlight the need to establish an independent assurance team within your compliance organization. This session will explore ways to structure your testing program, how to assess applicability, what valid transactional testing design and documentation looks like, and how best to report your results to senior management in order validate a business's adherence to AML requirements.

Speakers:
John H. Atkinson, Director, Regulatory Risk Consulting, Protiviti Inc.
María De Lourdes Jiménez, Esq., Senior Vice President and Manager, Corporate Compliance Division, Popular, Inc.
Grace F. Morgan, Deputy BSA Officer and AML Program Director, Ally Financial

Moderator:
Megan Hodge, Chief Compliance Officer, RBC Bank


Session 3D:  "Remittances:  New Consumer Rights for International Transfers" (Repeated in 4D)
The final rule on remittances issued by the Consumer Financial Protection Bureau applies the rule broadly to any electronic funds transfer sent by a consumer in the United States to a recipient in a foreign country.  Our expert will  walk through the requirements including providing details on the information you need to give to consumers.  We’ll walk through the interplay between these new consumer protections and AML as well as review what elements you need to consider to control risks and minimize exposure to fraud.  Any bank that handles a foreign transfer for a consumer should attend this session.

Speaker:
Robert G. Rowe, III, Vice President and Senior Counsel II, Center for Regulatory Compliance, American Bankers Association

Moderator:
Anna M. Rentschler, CRCM, AMLP, CAMS, Vice President and BSA Officer, Central Bancompany


Session 3E:  "AML, Fraud and Emerging Technology" (Repeated in 4E)
Emerging technologies present great opportunities for banks and fraudsters.  Applied properly, mobile payments, QR codes, social media banking apps, and new prepaid products can help your bank provide better and faster service to your customers.  But, you need to be prevent criminals from having taking advantage of the same technology.   Also, what has been the impact of the latest hackers on bank’s ability to provide service to their customers.   Michael Benardo, Chief, Cyber Fraud and Financial Crimes Section, Risk Management Supervision, Federal Deposit Insurance Corporation  and David Szuchman, Deputy Chief - Investigations Division, (to be Chief 11/15), Manhattan District Attorney’s Office will explore the many new AML and Fraud concerns related to emerging technology.

Speakers:
Michael Benardo, Chief, Cyber Fraud and Financial Crimes Section, Risk Management Supervision, Federal Deposit Insurance Corporation
David Szuchman, Chief - Investigations Division (as of 11/15),  Manhattan District Attorney’s Office

Moderator:
Steve Kenneally, Vice President, ABA Center for Regulatory Compliance, American Bankers Association, Washington, DC

​LUNCHEON WITH SPEAKER

Featuring: 
David S. Cohen, Under Secretary for Terrorism and Financial Intelligence, US Department of the Treasury

​CONCURRENT SERIES 4
(Select from five options.)

Session 4A:  "Managing International Risk in Money Laundering" (Repeated from 3A)

Session 4B:   "Critical Issues in Human Trafficking" (Repeated from 3B)

Session 4C:  "How to Design a Monitoring and Testing Program"  (Repeated from 3C)

Session 4D:   "Remittances: New Consumer Rights for International Transfers"
(Repeated from 4D)

Session 4E: "AML, Fraud and Emerging Technology" (Repeated from 3E)

​GENERAL SESSION
"Lessons Learned from Recent Fraud Cases"
Where else but this conference can you hear top attorneys share their insights and noteworthy lessons learned from fraud cases that made headlines this past year.  From Libor to FCPA compliance to Ponzi schemes and more – these experts will fill you in on not just what happened but also delve into the legal and compliance implications for your institution going forward.

Speakers:
Raymond Banoun, Partner Cadwalader, Wickersham & Taft LLP
Louise Delahunty, European Counsel, Sullivan & Cromwell LLP
Wilmer Parker (Buddy), Partner, Maloy Jenkins Parker
Robert E. Rice, Managing Director, Head of Governance, Litigation and Regulation – Americas, Deutsche Bank AG  

Moderator:
Gordon Greenberg, Partner, McDermott Will & Emery

POWER SESSION
Sponsored by: KPMG

"Understanding Risk in Your Customer Base" 
As firms get their arms around increased regulatory expectations for customer due diligence and in particular enhanced due diligence for high risk customers, it is more critical than ever to be able to identify high risk customers for the purpose of applying heightened due diligence and monitoring. Join us as we discuss identifying and assessing risk in your customer base. 

Speakers:
Darren J. Donovan, Principal, KPMG LLP
Teresa A. Pesce, Principal, KPMG LLP

​GENERAL SESSION
"Ask The Regulators"
This is your annual opportunity to have quality "Q&A time" with senior agency officials.  This high level panel will feature a senior representative from the banking regulatory agencies as well as senior representatives from the SEC and FinCEN.    Question cards will be available for each regulator on-site at Registration. 

Speakers:
Jamal El-Hindi, Associate Director, Regulatory Policy and Programs Division, Financial Crimes Enforcement Network, Washington, DC
Lourdes Gonzalez, Assistant Chief Counsel - Sales Practices, Division of Trading and Markets, U.S. Securities and Exchange Commission
Debra L. Novak, Chief, AML Section, Division of Supervision and Consumer Protection, Federal Deposit Insurance Corporation
John Wagner, Director, Bank Secrecy Act and Anti-Money Laundering Compliance, Compliance Policy Division, Office of the Comptroller of the Currency
Suzanne Williams, Manager, Compliance Section, Division of Banking Supervision and Regulation, Board of Governors of the Federal Reserve System

Moderator:
Robert G. Rowe, III, Vice President and Senior Counsel II, Center for Regulatory Compliance, American Bankers Association

​GOVERNANCE DEEP DIVE SESSIONS:  
"BSA Governance, Oversight, Reporting and Structuring"
(Select from two options - one for community banks and one for large banks.)

"Community Bank Session"
Whether large or small, the overall BSA/AML process has to be effective. The smaller bank processes have to be tuned to your bank’s risk profile and meet the current regulatory definition of the four pillars of BSA compliance.  In this session, we will cover the necessary nexus between the BSA Officer and senior management, the responsibility of your Board, audit accountabilities, and effective enterprise wide governance and whether it will work for you.  Just because we are smaller in size, does not mean we do not have to deal with corrupt, illicit and illegal issues.  Come and listen to how these processes have evolved and effectively been managed on a smaller, but mightier, scale.

Speakers:
Jim Bedsole, CRCM, CBA, CFSA, Director of Compliance, Armed Forces Bank
Holly A. Ford, Senior Vice President and Chief Risk Officer, Mission Community Bank
Mark C. Wofford, CRCM, AMLP, Vice President, Director of Compliance, Providence Bank

Moderator:
Anna M. Rentschler, CRCM, AMLP, CAMS, Vice President and BSA Officer, Central Bancompany

"Large Bank Session"
Whether large or small, banking organizations face significant BSA/AML risk management and corporate governance challenges.  For large and complex organizations with diverse business lines and global operations, these challenges require an enterprise-wide risk-based approach.  This panel will explore different ways to develop, manage, and maintain a risk-based BSA/AML program that includes effective governance and oversight.  We will discuss the role and responsibilities of the Board of Directors, senior management, compliance, the business lines, operations, and audit; how to develop an independent compliance organization, reporting structure, and quality assurance function; how to establish and implement global policies, standards and controls; training; and independent testing.  

Speakers:
John Caruso, Managing Director, Head of AML Compliance, Americas, Deutsche Bank
Susan J. Galli, Senior Vice President, Anti-Money Laundering Strategic Planning Director, HSBC North America Holdings, Inc.
Pamela J. Johnson, Managing Director, Global Head, Enterprise Wide Financial Crimes, JPMorgan Chase
James R. Richards, Executive Vice President/BSA Officer, Wells Fargo & Company

Moderator:
Amy G. Rudnick, Partner, Gibson, Dunn & Crutcher, LLP

​CLOSING GENERAL SESSION
"How Well Do You Know Your Account Holder?  Beneficial Ownership and Domestic PEPs"
During the past year, there has been an increased emphasis on how financial institutions collect, update and verify their customer’s identity and conduct risk-based due diligence.  From the updated FATF 40 Recommendations to FinCEN’s Advanced Notice of Proposed Rule Making (ANPRM) the expectations are rising.  This session will help financial institutions of all sizes understand what is expected and how they might meet the new expectations or requirements for the collection of information on Beneficial Owners, Politically Exposed Persons, and other high risk customers, and how that fits in with transaction monitoring expectations.

Speakers:
Carmina Hughes, Senior Vice President, Global AML Officer, TD Bank 
Michelle L. Neufeld, Managing Director and Chief Financial Crimes Compliance, Executive North America, Global Financial Crimes, Corruption and Economic Sanctions, Bank of America
Chip Poncy, Director, Office of Strategic Policy, Terrorist Financing and Financial Crimes, United States Department of the Treasury
Brian J. Wimpling, CAMS, Senior Vice President, Capital City Bank

Moderator:
Linda Noonan, Of Counsel, Gibson, Dunn & Crutcher LLP