The Most Senior Level Speakers and Attendees of Any AML - IIR

Regulators &
Enforcement Agents:
Terry Arbit, U.S. Commodity Futures Trading
Commission
Gregory A. Coleman, FBI
Marcy Forman, Department of Homeland
Security
William Fox, FinCEN
Udo Franke, Embassy of the Federal Republic
of Germany
Marc Hambach, Dubai Financial Services
Authority
Phillip D. Hull, IRS
Stephen Helmstetter, IRS
Lester Joseph, US Department of Justice
William Langford, FinCEN
Gary Murray, Immigration & Customs
Enforcement
Bridget Neill, Board of Governors of the
Federal Reserve System
Michael Rufino, New York Stock Exchange
Donald C. Semesky, DEA Office of Financial
Operations
Joseph Sifuentes, OCC
Judith Starr, FinCEN
Gary W. Sutton, US Department of the Treasury
John Wagner, OCC
Robert W. Werner, Office of Foreign Assets
Control
Industry Experts:
George W. Arnett III, Pershing LLC
Robert M. Axelrod, Bank of New York
Daniel Becker, Bank of New York
Michael J. Bourke, Rietumu Bank, Latvia
Kenneth L. Bryant, Compliance Solutions Ltd.
John W. Campbell, PricewaterhouseCoopers
LLP
David Caruso, The Dominion Advisory Group
John Caruso, Deutsche Bank
Julie Copeland, Merrill Lynch
Mireya D’Angelo, HSBC Private Bank
Kate Dressel, Strategic Compliance Solutions
LLC
Robert Edwards, Citibank Private Bank,
Singapore
Cecilia Gardner, Jewelers Vigilence
Commission
Debra Geister, LexisNexis
Jorge Guerrero, Optima Compliance &
Consulting Inc.
Stephen Harvey, Canadian Imperial Bank of
Commerce, Toronto
Eileen Heisman, National Philanthropic Trust
Jeffrey P. Horowitz, Citigroup Global Markets
Elizabeth Jones, International Finance Corp.
Kate Jones Troy, Credit Suisse First Boston
Patrick Kidney, Lehman Brothers
Barry M. Koch, American Express Co.
Nikki Kowalski, Bear Stearns
Stephanie Lawrence, Nationwide Mutual
Insurance Co.
Tara Loftus, UBS
Tim O’Neal Lorah, Morgan Stanley
Dennis M. Lormel, Corporate Risk International
Brian Loutrel, New York Life Insurance Co.
Stephanie Lowy, Smith Barney
Michael Meyer, Goldman Sachs
Stevenson Munro, UBS
Michelle Neufeld, JPMorgan Chase
Karen M. O'Toole, Fidelity Investments
Margaret Paradis, Orrick Herrington & Sutcliffe LLP
Teresa Pesce, HSBC North America Inc.
Lauren Pickett, Citibank
Stephanie Pries, Managed Funds Association
C. Rachel Raemore, Wachovia Corp.
Betty Santangelo, Schulte Roth & Zabel LLP
Theresa Schaefer, Nationwide Mutual
Insurance Co.
Michael Shepard, Commerce Bank
Stephen Shine, Prudential Financial
Alan Sorcher, Securities Industry Association
Don Temple, Commerce Bank
John F. Walsh, Bank of America
Wendy Warren, Bahamas Financial Services
Board
William D. Wilcox, Travelers Life & Annuity
Michael F. Zeldin, Deloitte & Touche
Ellen Zimiles, KPMG
Meg Zucker, Morgan Stanley
IIR’s 15th Annual
Anti-Money
Laundering
Audit & Compliance Forum
September 26-29, 2005 • Marriott Marquis • New York City
Keynote Presentations:
The Latest in Compliance Regulation from the Experts in AML:
• Hear case studies from 20 government, regulatory, and law enforcement officials
• Develop an AML program for hedge funds, investment advisors and insurance
companies in compliance with newly issued regulations
• Obtain the latest strategies on how to track politically exposed persons and other
high-risk individuals
• Learn under what circumstances you should file a suspicious activity report
(SAR), and if filing a SAR defensively could have a negative impact
• Integrate your multi-national AML programs to achieve global compliance
• Apply the latest Know-Your-Customer (KYC) techniques to ensure you properly
evaluate your customers’ identity
• Implement a system to provide comprehensive and complete data to breeze
through your annual audit
• Work with high-risk businesses such as charities, casinos, jewelers and money
servicing businesses to reduce their susceptibility to criminal activity
Sponsors:
William Fox,
Director, FinCEN
Robert W. Werner,
Director, Office of
Foreign Assets
Control
Wendy Warren,
Bahamas
Financial
Services Board
Dennis M. Lormel, Corporate Risk International
& Former FBI Chief, Terrorist Financing Operations
Section, CounterTerrorism Division
Marcy Forman,
Department of Homeland Security-
ICE
William D. Langford Jr.,
FinCEN
Marc Hambach,
Dubai Financial
Services Authority,
UAE
The Most Senior Level Speakers and
Attendees of Any AML Conference.
Michael Bourke,
Rietumu Bank,
Latvia
To Register Call 888-670-8200 • Fax 941-365-2507 • Visit us on the Web: www.amlac.com
www.amlac.com
Lester M. Joseph,
US Department of Justice
Betty Santangelo,
Schulte Roth & Zabel LLP
Stephen J. Shine, Prudential
Securities Inc.
CAN’T MISS:
Two Acclaimed
Pre-conference Workshops:
“What You Should Do When
Being Investigated:”
A step-by-step workshop designed
to ensure that you have a failsafe
AML program should an
investigation be launched into
your institution
“Developing an Effective AML
Training Program:”
Implement and continue ongoing
AML training for your employees
to remain up-to-date and in
compliance with the laws
Post-Conference Summit on Global Anti-Money Laundering
Learn how money laundering is being combated in five key international regions
Featuring AML experts and government officials from many regions across the world:
Udo Franke,
Embassy of the
Federal Republic
of Germany
Earn up to 28.5 CLE & CPE credits!
Earn 2 to 3 ACAMS credits!
Institute for International Research

7Seven Reason’s
Not to Miss This Year’s AMLAC Forum:
1. Network with over 300 industry practitioners, regulators
and enforcement agents to ensure your compliance
program is as far-reaching as possible.
2. Obtain guidance on how to comply with the justreleased
regulations for insurance companies, hedge
funds and investment advisors.
3. Get the latest in money laundering schemes to aid in
your institution’s efforts to spot suspicious activity and
red flags.
4. Ensure your customer identification program is flawless
and take advantage of the opportunity to ask the
experts how to iron out any kinks.
5. Learn the circumstances under which you should file a
suspicious activity report (SAR).
6. Identify how AML compliance standards are being
upgraded globally.
7. Discover how terrorist financing has changed since 9/11
and how you can cut off the flow of terrorist money.
Who Should Attend the
15th Annual Anti-Money Laundering Audit
& Compliance Forum (AMLAC):
• Broker/Dealers and Securities Firms
• Global Banks
• Private Banks
• Foreign banks with offices in the US
• Life Insurance Carriers
• Mutual Funds and Investment Companies
• Money Service Businesses
• Hedge Funds and their Administrators
• Investment Managers
• Investment Advisors
• Trust Companies and Savings Banks
• Private Equity Firms
• Commodity Dealers and Exchanges
• Credit Card Companies
• Law Firms
• Surveillance and data base specialists
• Software providers
• Consultants and Training Companies
• Accountants and Auditors
Plus:
• Federal Government Agents and Analysts
• Federal and State Regulators
• Enforcement Agencies
• AML Task Forces
with Responsibility for:
• Retail and Institutional Practices
• Anti-Money Laundering Compliance
• General Counsel/Legal Department
• Internal Operations
• Corporate AML
• USA Patriot Act Compliance
• Global Compliance
• BSA Compliance
• Internal Audit
• Employee Training
• Wire Transfers
• Fraud Prevention
• On-line Transaction
• Surveillance
• Private Banking
• Corespondent banking
• Cash and Credit management
• Regulatory Control
THE LONGEST RUNNING ANTI-MONEY
LAUNDERING CONFERENCE IN THE US
MORE SENIOR LEVEL SPEAKERS AND
ATTENDEES THAN ANY OTHER AML EVENT
“This is the best conference on AML that we have seen. Topics are not repetitive; they are always updated to
reflect what is happening now. The quality of presentations is also superior to other AML conferences.”
—Nancy Leo, Depository Trust Clearing Corp.
“I am impressed with the high level of speakers—a great cross-section from the private and government sectors.”
—Stephen A. Thompson, Compliance Commission of the Bahamas
Dear AML Professional,
As the longest-running AML Conference in the US — now in its 15th year — IIR’s Annual Anti-Money
Laundering Audit & Compliance Forum (AMLAC) is the premier annual event focusing on the enormous
changes to auditing and compliance requirements mandated by the Bank Secrecy Act and the USA Patriot
Act. Compliance is essential to ensure you avoid high-profile investigations and large fines seen by the likes of
AmSouth, Riggs Bank, and more recently, Arab Bank.
Financial services firms have been busy interpreting the Patriot Act since its inception in 2001, and
implementing AML programs to eliminate ill-gotten gains passing through their hands from terrorists, drug
traffickers and other criminals. As comprehensive due diligence and compliance programs have been put into
place, this year’s program will take the next step and address how you must continue your efforts to know
your customers, remain in compliance of both laws, and how regulators and enforcement agencies are
cracking down on violators and perpetrators.
NEW REGULATIONS FOR INSURANCE AND HEDGE FUNDS EXPLAINED
Also, final regulations for insurance firms, hedge funds and investment advisors are expected to be issued
this summer after years of anticipation. What will they say? Will they mirror the securities and banking
regulations already in place? How will your firm need to adjust its business operations to remain in
compliance? Top-notch regulators and model firms will discuss best practices on monitoring suspicious
activity and stopping money launderers at the door, including Gary W. Sutton from the US Department of
the Treasury, one of the key authors of the new regulations.
Featuring more than 70 speakers and more than a dozen networking opportunities, why attend
multiple conferences, when you can get all you need at the 15th Annual AMLAC!
Main conference:
• More than 15 regulators and enforcement agents will be on hand to talk about recent cases and how
you can keep them from knocking on your door
• Keynote presentations from two high-level government officials:
• Robert Werner, Director, Office of Foreign Assets Control
• William Fox, Director, FinCEN
• The evolution of terrorist financing since September 11, 2001 featuring Dennis Lormel, the former chief
of the FBI division which led the 9/11 terror financing investigations
• Discover if filing defensive suspicious activity reports is helping or hurting your business
• How you should handle politically-exposed persons and other high-risk account holders
• Integrating your multinational compliance programs into one comprehensive program
• Managing high-risk businesses, including MSBs, charities, jewelers, and credit cards
• Learn what auditors are looking for and how to pass your audit with flying colors
Post-conference Summit on Global AML:
• Get insight from the world’s regulators, and industry experts as they talk to you about how AML
compliance is changing in five key global regions
• Featuring the most expert Global Summit speaker lineup ever, including: Wendy Warren, Bahamas
Financial Services Board; Udo Franke, Embassy of the Federal Republic of Germany; Michael J
Bourke, Rietumu Bank, Latvia; Marc Hambach, Dubai Financial Services Authority, UAE
• Discover how authorities in the Caribbean, Latin America, Europe, Asia and the Middle East are dealing
with PEPs, KYC issues and offshore businesses
Pre-conference workshops:
• A step-by-step guide on what you should do when being investigated
• Developing an effective AML training program to keep your staff aware of the latest compliance
regulations
Each year, AMLAC attracts the most senior executives from across the globe, with topics customized
to provide education at multiple levels of sophistication, covering the full gamut of industries that must comply
with complex and ever-changing regulations.
To reserve your place at the 15th Annual Anti-Money Laundering Audit and Compliance Forum, simply call
888-670-8200, fax to 941-365-2507, email register@iirusa.com or visit the conference Web site at
www.amlac.com.
I look forward to seeing you in September!
Sincerely,
Keith Kirkpatrick
Director, AMLAC 2005
Noel McDermott
General Manager-Finance
To Register Call 888-670-8200 • Fax 941-365-2507
Visit us on the Web:
2 www.am

Agenda-at-a-Glance
©2005 IIR Holdings, Ltd.
A
M
P
M
Monday, Sept. 26,2005: Pre-Conference Workshops
8:00 Registration/Morning Coffee
9:00 Workshop: What You Should Do When Being Investigated
David Caruso, Managing Director & CEO
THE DOMINION ADVISORY GROUP
Steven J. Helmstetter, Special Agent
INTERNAL REVENUE SERVICE
Michael Shepard, Senior VP Anti-Money Laundering Program Director
COMMERCE BANK
Thomas Green, Partner
SIDLEY AUSTIN BROWN & WOOD LLP
12:00 Luncheon for workshop attendees and leaders
1:30 Workshop: Developing an Effective AML Training Program
Stephanie Lawrence, AML & OFAC Compliance Director
NATIONWIDE MUTUAL INSURANCE CO.
Lauren Pickett, Director, Global Anti-Money Laundering Training
CITIBANK
4:30 Conclusion of Pre-conference workshops
Tuesday, Sept. 27, 2005: Main Conference Day 1
7:15 Registration/morning coffee
8:30 Opening Remarks from conference Co-chairs
Betty Santangelo, Partner
SCHULTE ROTH & ZABEL LLP
Stephen Shine, Senior VP & Senior Regulatory Counsel
PRUDENTIAL SECURITIES INC.
8:45 AML Overview- How Financial Institutions Are Meeting the Challenges of The USA
Patriot Act
William Langford, Associate Director- Regulatory Policy and Programs Division
FINCEN
9:25 Legislative and Regulatory Impact on AML: An Update on Policies, Procedures,
Controls and Examinations
Moderator:
Betty Santangelo, Partner
SCHULTE ROTH & ZABEL LLP
Panelists:
William Langford, Associate Director- Regulatory Policy and Programs Division
FINCEN
Bridget Neill, Manager, Anti-Money Laundering Policy & Compliance Section-
Division of Banking Supervision and Regulation
BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM
Michael Rufino, Managing Director
NEW YORK STOCK EXCHANGE
Richard Saillard, National Bank Examiner, Large Bank Supervision
OFFICE OF THE COMPTROLLER OF CURRENCY
Lisa Arquette, Chief- Special Activities Division of Supervision and Consumer Protection, FDIC
10:55 Morning Networking Break
11:15 Know When to File Suspicious Activity Reports
Moderator:
Tim O'Neal Lorah, Executive Director & Global Coordinator, Anti-Money Laundering Group
MORGAN STANLEY
Panelists:
Karen M. O'Toole, Associate General Counsel
FIDELITY INVESTMENTS
Don Temple, Director of AML Investigations
COMMERCE BANK
12:30 Luncheon for delegates and speakers
1:45 Keynote Presentation
William J. Fox, Director
FINCEN
2:45 Achieving Global Compliance By Integrating Your Multinational AML Programs
Moderator:
Julie Copeland, First Vice President, Director of Global Compliance
MERRILL LYNCH
Panelists:
John W. Campbell, Partner, Anti-Money Laundering Practice Leader
PRICEWATERHOUSECOOPERS LLP
John Caruso, AML Compliance
DEUTSCHE BANK
Stephen Harvey, Senior Director Global Head Anti-Money Laundering Programs & Group Money Laundering
Reporting Officer
CANADIAN IMPERIAL BANK OF COMMERCE, TORONTO
Stevenson Munro, Global Head of Economic Sanctions, UBS
3:45 Afternoon Networking Break
4:00 Achieve Compliance With Your Customer Identification Programs By Applying the
Latest Know Your Customer Techniques
Moderator:
Alan Sorcher, Associate General Counsel
SECURITIES INDUSTRY ASSOCIATION
Panelists:
Terry Arbit, Associate General Counsel for Legislative Affairs
U.S. COMMODITY FUTURES TRADING COMMISSION
Daniel Becker, Managing Director, Head of AML Compliance
BANK OF NEW YORK
Debra Geister, Director of Fraud Detection and Compliance Solutions
LEXISNEXIS
Michelle L. Neufeld, VP & Assistant General Counsel
JPMORGAN CHASE & CO.
5:00 End of Day 1
Wednesday, Sept. 28, 2005: Main Conference Day 2
7:45 Registration/morning coffee
8:15 Day 1 Recap from conference Co-chairs
Betty Santangelo, Partner
SCHULTE ROTH & ZABEL LLP
Stephen Shine, Senior VP & Senior Regulatory Counsel
PRUDENTIAL SECURITIES INC.
8:30 CASE STUDIES: Discussing Investigations and Criminal Prosecutions With Law
Enforcement Officers
Moderator:
Teresa Pesce, Executive Vice President and AML Director
HSBC NORTH AMERICA INC.
Panelists:
Gregory A. Coleman, Special Agent
FEDERAL BUREAU OF INVESTIGATIONS
Marcy Forman, Director of Investigations
DEPARTMENT OF HOMELAND SECURITY -ICE
Phillip D. Hull, Special Agent
INTERNAL REVENUE SERVICE
Lester Joseph, Principal Deputy Chief- Asset Forfeiture & Money Laundering
US DEPARTMENT OF JUSTICE
Visit us on the Web:
lac.com
10:00 Morning Networking Break
10:15 Reduce Exposure to Politically Exposed Persons and Other High-Risk Clients by Enacting a
Thorough AML Risk Assessment Program
Moderator:
C. Rachel Raemore, CMG/WMG Compliance Director
WACHOVIA CORP.
Panelists:
Marcy Forman, Director of Investigations
DEPARTMENT OF HOMELAND SECURITY-ICE
Kate Jones Troy, Director & Global Anti-Money Laundering Prevention Officer
CREDIT SUISSE FIRST BOSTON
Patrick Kidney, Director of Money Laundering Prevention
LEHMAN BROTHERS
11:15 Compiling Comprehensive and Complete Data for Your Annual AML Program Audit
Ellen Zimiles, Principal
KPMG LLP
11:50 Combating the Financing of Terrorism
Kenneth L. Bryant, Consultant
ANTI-MONEY LAUNDERING (AML)/COMBATING THE FINANCING OF TERRORISM (CFT)
Dennis M. Lormel, Senior Vice President, Anti Money Laundering
CORPORATE RISK INTERNATIONAL;
Former Chief, Terrorist Financing Operations Section, CounterTerrorism Division
FEDERAL BUREAU OF INVESTIGATIONS
12:25 Luncheon for delegates and speakers
Keynote Presentation: The Office of Foreign Assets Control in the 21st Century
Robert W. Werner, Director, OFFICE OF FOREIGN ASSETS CONTROL
Concurrent Sessions, Choose A or B:
1:45 Implementing a Thorough Transaction
Monitoring & Surveillance Technology
A System
Michael Dougherty, Principal
FTI CONSULTING
Panelists:
Tara Loftus, First Vice President & Deputy Director of
Compliance
UBS FINANCIAL SERVICES INC.
John F. Walsh, Senior Vice President- AML Technology
Group
BANK OF AMERICA
Constructing an AML Program for
B Insurance Companies to Comply with
New Regulations
Brian C. Loutrel, Vice President & AML Compliance
Officer
NEW YORK LIFE INSURANCE CO.
Theresa Schaefer, Associate General Counsel
NATIONWIDE MUTUAL INSURANCE CO.
Gary W. Sutton, Senior Banking Counsel, Office of the
General Counsel
US DEPARTMENT OF THE TREASURY
William D. Wilcox, Chief Compliance Officer & Counsel
TRAVELERS LIFE AND ANNUITY
2:45 Building a Compliant AML Requirement
A for Hedge Funds, Investment Advisors
and Other Small Businesses
Kate Dressel, President
STRATEGIC COMPLIANCE SOLUTIONS LLC
Margaret Paradis, Of Counsel
ORRICK HERRINGTON & SUTCLIFFE LLP
Stephanie Pries, Esq., Vice President & Senior Legal
Counsel
MANAGED FUNDS ASSOCIATION
Gary W. Sutton, Senior Legal Adviser for Financial
Crimes
US DEPARTMENT OF THE TREASURY
5:00 Conclusion of Main Conference
Thursday, Sept. 29, 2005: Post-Conference Summit on Global AML
8:00 Registration/Morning Coffee
8:30 Opening Remarks
Julie Copeland, First Vice President, Director of Global Compliance
MERRILL LYNCH
8:45 Overview: Global Anti-Money Laundering Industry Standards—Implementing the New Best
Practices in the Field
Sarah Elizabeth Jones, Senior Anti-Money Laundering Officer
INTERNATIONAL FINANCE CORP.
Stephanie Lowy, VP, AML Compliance Analyst
SMITH BARNEY
Alan S. Abel, Anti-Money Laundering (AML) Risk Management Services Leader
DELOITTE & TOUCHE
9:30 Caribbean
Kenneth L. Bryant, Managing Director
COMPLIANCE SOLUTIONS LTD., JAMAICA
Wendy Warren, CEO and Executive Director
BAHAMAS FINANCIAL SERVICES BOARD
10:30 Morning Networking Break
10:45 Asia
Robert Edwards, Global Director of AML
CITIBANK PRIVATE BANK, SINGAPORE
11:30 Europe
Part I: The Third European Union Money
Laundering Directive
Udo Franke, Counselor- Financial Sector Regulation,
Anti-Money Laundering Policies
EMBASSY OF THE FEDERAL REPUBLIC OF GERMANY
12:45 Lunch
2:00 Middle East
Marc Hambach, Assistant Director - Supervision
DUBAI FINANCIAL SERVICES AUTHORITY, UAE
3:00 Latin America
Mireya D’Angelo, Head of AML Compliance
HSBC PRIVATE BANK
4:00 Conclusion of Global Summit
Ensure Failsafe Business Operations by
B Conquering Additional AML Compliance
Challenges Associated With High-Risk
Businesses
Gina Adelphia, Executive, Financial Institutions Group,
CROWE CHIZEK & CO.
Cecilia Gardner, Executive Director, General Counsel
JEWELERS VIGILENCE COMMISSION
Jorge Guerrero, CEO
OPITMA COMPLIANCE & CONSULTING INC.
Eileen Heisman, President
NATIONAL PHILANTHROPIC TRUST
Barry M. Koch, Executive Director, Money Laundering
Prevention
AMERICAN EXPRESS CO.
3:45 Afternoon Networking Break
4:00 Understanding the Role Clearing Firms
Have in Complying with AML Regulations
George W. Arnett III, Director & Counsel
A
PERSHING LLC
Linda Busby, Anti-Money Laundering Officer
RAYMOND JAMES FINANCIAL
Bill Freilich, General Counsel
BEAR STEARNS SECURITY CORP.
Elizabeth Paige Baumann, Assistant Anti-Money
Laundering Officer, Enterprise Compliance
FIDELITY INVESTMENTS
Aaron K. Fox, Vice President, AML Compliance
RBC DAIN RAUSCHER
Lourdes Gonzalez, Assistant Chief Counsel – Sales
Practices, Division of Market Regulation
SEC
Overcoming AML Compliance Issues in
B Institutional Businesses
Connie M. Friesen, Partner
SIDLEY AUSTIN BROWN & WOOD LLP
Robert M. Axelrod, Managing Director, Global
Compliance
BANK OF NEW YORK
Jeff Horowitz, Director, AML Compliance
CITIGROUP CORPORATE & INVESTMENT BANK
Michael Meyer, Vice President & Director of AML
Compliance GOLDMAN SACHS
Meg Zucker, Executive Director, AML Group
MORGAN STANLEY
Part II: Eastern Europe Focus
Michael J Bourke, President & CEO
RIETUMU BANK, LATVIA
To Register Call 888-670-8200 • Fax 941-365-2507
3

The Most Senior Level Speakers
Monday, Sept. 26, 2005: Pre-Conference Workshops
8:00 Registration/Morning Coffee
9:00 AM Workshop: What You Should Do When Being Investigated
This in-depth, interactive workshop has been designed to go over a thorough checklist
on the steps you should take if the government should ever launch an investigation into
possible money laundering activity at your institution. This panel of industry experts and
financial regulators will answer all your questions, including:
• Learning what factors go into the government’s decision to investigate
• The first step to take when issued a subpoena
• Determining if you should also conduct an internal investigation
• Implementing different processes depending on who the target of the investigation is:
Account Holder; Employee; Officer; Institution
• If you are a target, should you be considering a joint defense agreement?
• If the account holder is the target, should you disclose information?
• Interpreting the DOJ Memo on how to react when under investigation
• Who is your counsel going to represent?
• How to protect your employees during the investigative process
• Identifying the circumstances under which the institution will be deemed significantly negligent
• Did you file a SAR and follow your compliance program prior to the subpoena?
• Determining your accountability under the willful blindness doctrine and liabilities for
not following bank policy
David B. Caruso, Managing Director & CEO
THE DOMINION ADVISORY GROUP
David B. Caruso joined The Dominion Advisory Group, a firm that specializes in assisting
domestic and international banks in solving problems with their AML/BSA programs, in May
2005. He previously served as Executive Vice President, Compliance and Security of Riggs Bank
N.A. since June of 2003. Mr. Caruso was accountable for the Bank’s compliance with Department
of Treasury regulations. Prior to joining Riggs, Mr. Caruso was a Director in KPMG’s Investigation
and Integrity Advisory Services practice and the Director of Ernst & Young’s Anti-Money
Laundering Compliance Practice. Prior to Ernst & Young he served as Manager of the Fraud and
Money Laundering Prevention Group at JP Morgan & Company. From 1991 to 1996 Mr. Caruso
served as a Special Agent with the U.S. Secret Service where he was assigned to the New York Field
Office’s Financial Institution Fraud Group.
Steven J. Helmstetter, Special Agent
INTERNAL REVENUE SERVICE
Mr. Helmstetter began his career as a Revenue Agent in Mountainside, New Jersey in 1980. In
1984 he was assigned to the Special Enforcement Program (SEP) specializing in tax fraud cases
including testifying as an expert witness during criminal tax cases. Subsequently he became the
Fraud Coordinator for New Jersey. This assignment entailed reviewing tax cases for criminal referral
or for asserting civil fraud penalties. In 1996 he was selected as a Special Agent in the Criminal
Investigation Division specializing in income tax and money laundering cases. Since September
2001, after having received Top Secret Clearance, he has been a member of The Joint Terrorist Task
Force investigating terrorism financing. In addition he heads the United States Attorney’s Suspicious
Activity Report (SAR) Task Force.
Michael Shepard, Senior VP Anti-Money Laundering Program Director
COMMERCE BANK
Michael D. Shepard is the Anti-Money Laundering Program Director at Commerce Bank, N.A.
headquartered in Cherry Hill, New Jersey. Previously, he was a partner in the White Collar,
Internal and Government Investigations Practice Group at Blank Rome LLP in Philadelphia where
his practice focused on all aspects of white collar criminal defense, Bank Secrecy Act, USA Patriot
Act, asset forfeiture and internal corporate investigations. From 1987 to 1991, Mr. Shepard was a
federal prosecutor with the U.S. Department of Justice Tax Division, Criminal Section.
Thomas Green, Partner
SIDLEY AUSITN BROWN & WOOD LLP
12:00 Luncheon for workshop attendees and leaders
1:30 PM Workshop: Developing an Effective AML Training Program
Implementing and continuing ongoing employee anti-money laundering training is
required in accordance with Section 352 of the USA Patriot Act. This comprehensive
workshop, structured for compliance and training professionals from both bank and nonbank
financial institutions, will prove valuable for your institution to stay on top of the
evolving rules and regulations, and to fulfill retraining requirements on how to comply
with the law. Securities, banking, insurance, credit card and investment management
representatives will all benefit from this highly informative session.
• Identifying and comparing the types of formalized outside training programs available
• Determining if certification is necessary
• How training should be conducted for administrators
• Implementing procedures to demonstrate you’ve been sufficiently trained
• Debating the advantages and disadvantages of whether AML practitioners should
demand official licensing programs from regulators
• In-house training: Using computers for baseline training for “priority” groups - client
introducing and client vetting
• Seek feedback, build on successes and eliminate what was ineffective to re-enforce and
reassess your internal training programs
Stephanie Lawrence, AML & OFAC Compliance Director
NATIONWIDE MUTUAL INSURANCE CO.
Ms. Lawrence is charged with coordinating and monitoring the implementation of the anti-money
laundering and OFAC compliance programs of Nationwide’s affiliates and subsidiaries. For over eleven
years, she has worked with Nationwide in various capacities including financial services operations and
management, product and market compliance, and as in-house counsel to several of Nationwide’s
subsidiaries.
Lauren Pickett, Director, Global Anti-Money Laundering Training
CITIBANK
4:30 Conclusion of pre-conference workshops
Tuesday, Sept. 27, 2005: Main Conference Day 1
7:15 Registration/morning coffee
8:30 Opening Remarks from conference
Co-chairs
Betty Santangelo, Partner
SCHULTE ROTH & ZABEL LLP
Betty Santangelo specializes in white color criminal
defense and securities enforcement, and has a nationally
recognized expertise in anti-money laundering, OFAC
and corporate compliance issues. Her practice includes
representing financial institutions and individuals in
various matters before the U.S. Attorney’s Office and
various regulatory agencies including the SEC, the CFTC,
the NYSE and the NASD; advising financial institutions
on their anti-money laundering/ OFAC procedures and
conducting internal investigations. She has also served as
an independent Consultant in SEC enforcement matters.
Stephen Shine, Senior VP & Senior Regulatory
Counsel
PRUDENTIAL SECURITIES INC.
Stephen J. Shine is responsible for the case management
and disposition of all current and legacy regulatory matters
of Prudential Securities Inc., and serves as the legal
advisor to all firm anti-money laundering efforts. In the
early 90’s he helped design and implement one of the first
comprehensive anti-money laundering programs on Wall
Street and served as the securities industry representative to
a number of FINCEN advisory groups. He is both a
former state and federal prosecutor who was responsible for
the prosecution of significant securities, commodities, and
bank fraud cases nationwide and served as the
Department of Justice representative to the Investment
Fraud Task Force in the Central District of California.
8:45 AML Overview: How Financial
Institutions Are Meeting the
Challenges of The USA Patriot Act
As anti-money laundering initiatives are at the top
of every financial institution’s list, it is critical that
you are up-to-date with the latest USA Patriot Act
and anti-money laundering requirements. Be among
the most well-informed as you hear how compliance
is fairing among industries, what developments have
occurred most recently and what Treasury anticipates
for the future of anti-money laundering.
William Langford, Associate Director-
Regulatory Policy and Programs Division
FINCEN
William Langford oversees the regulatory, compliance
and enforcement functions for the Agency. Prior to
assuming this position, Mr. Langford served as FinCEN’s
Senior Policy Advisor, where he was a principal advisor to
the Director of FinCEN, focusing on a range of regulatory
and enforcement issues, including the implementation of
the anti-money laundering and anti-terrorist financing
provisions of the USA PATRIOT Act. Previously, Mr.
Langford served as the Senior Advisor to the General
Counsel of the U.S. Department of the Treasury, where he
focused largely on the implementation of the antiterrorism
and anti-money laundering provisions of the
USA PATRIOT Act, including the drafting of regulations
implementing these provisions.
9:25 Legislative and Regulatory Impact
on AML: An Update on Policies,
Procedures, Controls and
Examinations
• Additional guidance to be 100% “up to snuff”
• Update on regulations guiding interagency
procedures
• Streamlining examinations of AML programs
• Stopping the terrorist financing web
Moderator:
Betty Santangelo, Partner
SCHULTE ROTH & ZABEL LLP
Panelists:
William Langford, Associate Director-
Regulatory Policy and Programs Division
FINCEN
Bridget Neill, Manager, Anti-Money
Laundering Policy & Compliance Section-
Division of Banking Supervision and
Regulation
BOARD OF GOVERNORS OF THE
FEDERAL RESERVE SYSTEM
Ms. Neill is responsible for formulating and
coordinating the implementation of the Federal Reserve’s
AML supervisory efforts. Ms. Neill and the AML Policy
and Compliance Section are responsible for ensuring that
Bank Secrecy Act/AML and OFAC guidance and
examination procedures are consistent with prevailing
U.S. laws and regulations, and are implemented
consistently across the Federal Reserve System. Prior to
joining the Federal Reserve, Ms. Neill served as a Senior
Policy Advisor at the U.S. Securities and Exchange
Commission. Through her work in the Financial Action
Task Force (FATF) and other international groups, she has
contributed to the formulation of U.S. positions and
international initiatives to combat financial crime.
Michael Rufino, Vice Preisdent
NEW YORK STOCK EXCHANGE
Michael Rufino has been with the New York Stock
Exchange for 15 years. He spent 10 years working in the
Financial/Operational department in the Division of
Member Firm Regulation at the New York Stock Exchange
before moving to the Sales Practice Review Unit as an
Examination Director. In 2002, Mr. Rufino took over the
Sales Practice Review Unit as its Managing Director and
he was recently promoted to Vice President. He is
responsible for overseeing a staff of 67 people, which
includes the Investor Complaints and Inquiries
Department, Qualifications & Registrations Department,
Fingerprints, and the Sales Practice Examination Staff.
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John Wagner, Director, Bank Secrecy Act &
Anti-Money Laundering Compliance
OFFICE OF THE COMPTROLLER OF
THE CURRENCY
John Wagner was named in March 2005 as director for
Bank Secrecy Act and AML Compliance in the
Compliance Policy Division of the Office of the
Comptroller of the Currency (OCC). Mr. Wagner directs
the development of Bank Secrecy Act and AML
examination policy and procedures. He also provides policy
interpretations and guidance to field staff, represents the
OCC and the U.S. Treasury on interagency task forces,
and develops training programs. Prior to March 2005,
Mr. Wagner served as a Bank Secrecy Act (BSA) / antimoney
laundering (AML) specialist in the OCC’s
Compliance Policy Division. Mr. Wagner is a certified
anti-money laundering specialist (CAMS) and a
commissioned national bank examiner. He began his
OCC career 23 years ago in Dallas, Texas and
subsequently served in San Francisco, California
Lisa Arquette, Chief- Special Activities Division
of Supervision and Consumer Protection
FDIC
Richard Saillard, National Bank Examiner,
Large Bank Supervision
OFFICE OF THE COMPTROLLER OF
CURRENCY
Karen Burgess, Senior Advisor to the Director,
Office of Compliance Inspections and
Examinations,
SEC
Emily Gordy, Sr. Vice President, Director,
Regional Enforcement
NASD
10:55 Morning Networking Break
11:15 Know When to File Suspicious
Activity Reports
• Working with regulatory agencies to develop a
standard on when to file
• A broker-dealers liability for filing SARs
• Avoid filing defensive SARs by knowing what to
look for in your monitoring
• Learning how to rectify existing criticisms in the
current SAR filing requirements
• Determining when the 30-day period starts to
properly time your SAR filings
Moderator:
Tim O’Neal Lorah, Executive Director &
Global Coordinator, Anti-Money Laundering
Group
MORGAN STANLEY
Tim O’Neal Lorah coordinates development and
implementation of the Firm’s global AML Program. Prior
to joining Morgan Stanley, Mr. Lorah was a senior
litigation associate at Schulte Roth & Zabel LLP in New
York where he practiced primarily in the area of
regulatory enforcement litigation, advising financial
institutions on various matters relating to Bank Secrecy
Act/USA PATRIOT Act compliance, as well as other
AML, suspicious activity, OFAC and corporate compliance
issues. Mr. Lorah has also been involved in representing
financial institutions and individuals in matters before
various federal and state regulatory agencies, including the
SEC and the CFTC.
Panelists:
Gary Murray, Director
IMMIGRATION & CUSTOMS
ENFORCEMENT- NEW YORK HICFA
INTELLIGENCE CENTER
Gary’s 27 year career started with the U.S. Customs
Service in New York and Bermuda. He also spent 17 years
as the Assistant Director, Office of Intelligence, New York
where his responsibilities included narcotics and money
laundering. Gary was appointed to the staff of the
Executive Director, Office of Investigations overseeing
seven offices on the East Coast. Gary has been assigned to
HIFCA since September 2000 and serves as the Director
for this initiative. The HIFCA presently has a staff of 39
representing 12 law enforcement and regulatory agencies.
Karen M. O’Toole, Associate General Counsel
FIDELITY INVESTMENTS
Ms. O’Toole’s areas of responsibility include advising
oversight groups such as audit, security and compliance,
and representing the firm in regulatory investigations. In
addition, she provides legal advice throughout the
organization on issues relating to the USA PATRIOT Act,
anti-money laundering and OFAC. Prior to joining
Fidelity in 1997, Ms. O’Toole was in private practice
with the law firm of Hutchins, Wheeler & Dittmar,
where she represented clients in a broad array of securities
litigation matters. She is currently the Co-Chairperson of
the Securities Industry Association’s Anti-Money
Laundering Committee, and has been an active member
of both this Committee and the Anti-Money Laundering
Committee of the ICI.
Don Temple, Director of AML Investigations
COMMERCE BANK
In July 2004 Don became the Director of Anti-Money
Laundering Investigations at Commerce Bank, Cherry
Hill, NJ. Don currently acts as liaison with industry
experts, bank regulators and law enforcement to enhance
the anti-money laundering policies and procedures for
Commerce Bank as well as the entire industry. During his
26 years with the Internal Revenue Service in the
Delaware Maryland District, where he served as a Special
Agent, Don became the Title 31 Coordinator in 1984
and later developed the Maryland Financial Investigative
Task Force; a multi agency task force which included the
FBI, US Customs Service, US Postal Service, and the
Drug Enforcement Administration. That task force was
used as a model for subsequent task forces formed in the
United States. After leaving IRS, in September 2000,
Don joined Mantas, Inc., as an Industry Expert for
currency reporting, fraud and money laundering detection,
prevention and enforcement.
Peter Trucksis, Special Agent
INTERNAL REVENUE SERVICE
12:30 Luncheon for delegates and speakers
1:45 Keynote Presentation
William J. Fox, Director
FINCEN
William J. Fox was appointed by Treasury Secretary
John Snow to be the fourth Director of the Financial
Crimes Enforcement Network on December 1, 2003. As
Director, Mr. Fox will lead efforts to establish, oversee and
implement policies to detect and prevent money
laundering and terrorist financing. Prior to his
appointment as FinCEN’s Director, Mr. Fox served as
Treasury’s Associate Deputy General Counsel and Acting
Deputy General Counsel. Since September 11, 2001, he
also served as the principal assistant and senior advisor to
Treasury’s General Counsel on issues relating to terrorist
financing and financial crime. Mr. Fox was recognized for
his work on these issues with a Meritorious Rank Award
in October 2003. Mr. Fox came to the Department of the
Treasury in December 2000 as the Acting Deputy
Assistant General Counsel for Enforcement. From 1988 to
December 2000, Mr. Fox served at the Bureau of Alcohol,
Tobacco and Firearms, first as an attorney in ATF’s
Chicago office, then as the Senior Counsel for Alcohol and
Tobacco and finally as ATF’s Deputy Chief Counsel.
2:45 Achieving Global Compliance By
Integrating Your Multinational AML
Programs
• How do you create a manageable, comprehensive
AML program on a global basis without violating
OFAC or multinational law?
• Ringfencing issues- Making decisions across global
groups to make the right tradeoffs
• Conceptual difficulties of managing such
a program
• Complying with US sanctions laws in a
global environment
• Facilitation vs. evasion
Moderator:
Julie Copeland, First Vice President, Director
of Global Compliance
MERRILL LYNCH
Julie Copeland is the Director of the Global Monetary
and Financial Control Group for Merrill Lynch and was
most recently appointed the Global Anti-Money
Laundering Officer for the Firm. Prior to this position,
Ms. Copeland was the Director of Global Compliance for
Merrill Lynch’s International Private Client Group. When
she came to Merrill Lynch in 1995, Ms. Copeland was
appointed the head of Merrill Lynch’s Money Laundering
Prevention Group, which was the first group of its kind in
the securities industry. Her responsibilities have also
included investigations related to criminal and regulatory
matters. From 1986 and 1995, Ms. Copeland was an
Assistant United States Attorney in the U.S. Attorney’s
Office for the Eastern District of New York.
Panelists:
John Caruso, Director of AML Compliance
DEUTSCHE BANK AMERICAS
As Director of AML Compliance, John has
responsibility for all lines of Deutsche Bank’s business in
the Americas. Prior to joining Duetsche, John spent three
years as an AML Compliance Officer and Senior Counsel
for Merrill Lynch. Before joining Merrill Lynch, John
served as an Assistant U.S. Attorney in the Eastern
District of New York. In addition to prosecuting federal
money laundering, fraud, drug trafficking and organized
crime cases, John served as Chief of the General Crimes
Section in the Eastern District.
Stephen Harvey, Senior Director Global Head
Anti-Money Laundering Programs & Group
Money Laundering Reporting Officer
CANADIAN IMPERIAL BANK OF
COMMERCE, TORONTO
Stephen Harvey has primary responsibility for global
policy and program development, and works closely with
business lines to ensure comprehensive implementation.
Prior to assuming his current responsibilities with CIBC,
Mr. Harvey managed Bank of America’s BSA Bankwide
Compliance Group, where he was responsible for money
laundering and know your customer issues bankwide. He
represented the US banking industry at the 1998
Financial Services Forum of the Financial Action Task
Force (FATF) in Brussels, and is a past member of the US
Treasury Department’s Bank Secrecy Act Advisory Group;
the US Treasury Department’s BSA Advisory Group Funds
Transfer Subgroup, and the American Bankers Association
Money Laundering Task Force.
Stevenson Munro, Global Head of
Economic Sanctions
UBS INVESTMENT BANK
Stevenson Munro joined UBS Investment Bank in 2005
as Global Head for Economic Sanctions. Steve joined UBS
from Capital One where he was the legal counsel for antimoney
laundering, economic sanctions, trade control,
homeland security, and related national security laws.
Previously he was Deputy Chief Counsel at the U.S.
Treasury Department’s Office of Foreign Assets Control. He
also held various positions in the U.S. Military, including in
the White House Military Office, focusing on intelligence
and counter-terrorism issues.
John W. Campbell, Partner, Anti-Money
Laundering Practice Leader
PRICEWATERHOUSECOOPERS LLP
Mr. Campbell has been involved in financial regulatory,
Anti Money Laundering, supervisory and accounting
matters since 1973. He was admitted to the partnership of
PricewaterhouseCoopers, LLP (“PwC”) in Washington,
DC in 1994. Prior to joining PwC, Mr. Campbell spent
17 years with the Office of the Comptroller of Currency
(OCC) in the U.S. Treasury Department. At PwC,
Mr.Campbell has advised financial institutions, including
central banks on bank regulatory matters, including
examination policy and practice as well as compliance and
remedial actions. During the period 1994-1997 Mr.
Campbell lived in Beijing, China and was the lead
partner on a project for the World Bank Group (WBG)
and Peoples Bank of China (PBC), to design and
supervise the implementation of a comprehensive program
to strengthen financial supervision in the People’s Republic
of China.
3:45 Afternoon Networking Break
4:00 Achieve Compliance With Your
Customer Identification Programs
By Applying the Latest Know Your
Customer Techniques
• CIP requirements for institutional products
• How options, derivatives, and foreign currency
accounts should be treated
• How far investigation into beneficiaries of
counterparties should go
• Determining the expectation for different accounts
such as using advisory agency, third party vendors,
and additional documents received from the
different types of accounts
• Implementing strategies to validate the identity of
your customers
• International developments – IOSCO’s Client
Identification and Beneficial Ownership
(CIBO) Principles
Moderator:
Alan Sorcher, Associate General Counsel
SECURITIES INDUSTRY ASSOCIATION
Alan E. Sorcher is Vice President and Associate General
Counsel at the Securities Industry Association. Mr. Sorcher
is responsible for anti-money laundering issues and has
directed SIA’s efforts on the implementation of the USA
Patriot Act. Mr. Sorcher is also responsible for regulatory
matters for SIA firms affiliated with banking institutions
and financial holding companies, and oversaw the
securities industry’s response to the Gramm-Leach-Bliley
Act rulemaking. Mr. Sorcher also coordinates SIA’s antimoney
laundering privacy regulatory initiatives.
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5

The Most Senior Level Speakers
Panelists:
Terry Arbit, Associate General Counsel for
Legislative Affairs
U.S. COMMODITY FUTURES TRADING
COMMISSION
Terry Arbit provides legal counsel to the CFTC General
Counsel concerning all aspects of the implementation,
interpretation, and enforcement of the Commodity
Exchange Act. Mr. Arbit has played a key role in
implementing the AML provisions of the USA Patriot Act
in the futures industry. He has been involved in
developing the applicable rulemakings, he provides
guidance to CFTC staff on anti-money laundering issues,
and he represents the CFTC on inter-agency anti-money
laundering task forces. Prior to assuming his current
position in 2002, Mr. Arbit served in the CFTC’s
Division of Enforcement for six years, first as a trial
attorney and subsequently as Acting Chief Counsel.
Previously, he pursued professional liability claims relating
to failed financial institutions on behalf of the Resolution
Trust Corporation and FDIC.
Daniel Becker, Managing Director, Head of
AML Compliance
BANK OF NEW YORK
Dan Becker has been the Head of AML Compliance at
The Bank of New York since December 2004, responsible
for AML, BSA and OFAC compliance. Previously, Dan
was the Head of AML Compliance for Deutsche Bank
Americas, responsible for developing, implementing and
supervising AML compliance programs throughout DB’s
businesses in the Americas and the Manager/Counsel for
the UBS PaineWebber Money Laundering Prevention
Group. From 1994 through 1999, Dan was an Assistant
United States Attorney in the Southern District of New
York. From 1998-1993, he was a litigation associate at
Simpson, Thacher & Bartlett.
Debra Geister, Director of Fraud Detection
and Compliance Solutions
LEXISNEXIS
Debra Geister has worked with hundreds of businesses
of all types as an independent consultant specializing in
product development and business process. She recently
worked to develop a line of fraud prevention and
compliance products for Bankers Systems and subsequently
managed those product lines. Debra has spoken at
hundreds of speaking engagements over the past several
years and trained countless executives and sales
professionals in consultative selling, compliance and fraud
prevention. She recently joined LexisNexis as the Director
of Fraud Prevention and Compliance Solutions.
Michelle L. Neufeld, VP & Assistant
General Counsel
JPMORGAN CHASE & CO.
Michelle L. Neufeld’s area of primary focus is antimoney
laundering compliance for the Investment Bank.
Additionally, she also has responsibility for technology and
operations, foreign exchange trading and proprietary
trading. She represents the US Investment Bank on the
firm’s Anti-Money Laundering Oversight Committee
(“AMLOC”) and serves as a co-chair for the Global KYC
sub-committee to AMLOC. She also actively participates
on the SIA’s Anti-Money Laundering Committee. Prior to
joining JPMorganChase in 1998, Ms. Neufeld was
Counsel to the Reserve Funds, responsible for maintaining
the legal and compliance functions for the various
broker/dealers and investment advisory firms.
5:00 End of Day 1
Wednesday, Sept. 28, 2005: Main Conference Day 2
7:45 Registration/morning coffee
8:15 Day 1 Recap from conference Cochairs
Betty Santangelo, Partner
SCHULTE ROTH & ZABEL LLP
Stephen Shine, Senior VP & Senior Regulatory
Counsel
PRUDENTIAL SECURITIES INC.
8:30 CASE STUDIES: Discussing
Investigations and Criminal
Prosecutions With Law
Enforcement Officers
After your SAR is filed, what happens next? Will
the terrorists, drug traffickers and other criminals
ever get caught? This session brings together various
law enforcement officials to take you into the heart
of the investigation and prosecution process, so you
know that all your hard work in monitoring for
suspicious transactions, and questionable account
holders, is actually paying off. If you’ve ever
wondered how the bad guys get taken down, here’s
your chance to find out.
Moderator:
Teresa A. Pesce, Executive Vice President and
AML Director
HSBC NORTH AMERICA INC.
Prior to joining HSBC in October 2003, Ms. Pesce was
Senior Trial Counsel at the United States Attorney’s Office
for the Southern District of New York where she had been
responsible for approval and oversight of all money
laundering and tax investigations and prosecutions in the
Southern District. From December 1999 through January
of 2002, she was Chief of the Major Crimes Unit for the
Southern District, the unit with primary responsibility for
investigating and prosecuting financial crimes exclusive of
securities fraud, including financial institution frauds, tax
frauds, and money laundering. Ms. Pesce joined the U.S.
Attorney’s Office in 1992 as an Assistant U.S. Attorney,
passing first through the General Crimes and Narcotics
Units, before joining the Major Crimes Unit as a line
assistant in 1995.
Panelists:
Gregory A. Coleman, Special Agent
FEDERAL BUREAU OF
INVESTIGATIONS
Mr. Coleman joined the FBI in 1989 and has been
assigned to the NY office since completing training at the
FBI academy in Quantico, VA. He spent his first year
conducting Fraud by Wire investigations (Ponzi schemes)
and the next two years as a contact agent on an
undercover investigation targeting corruption in the
commodities industry. In 1992, Mr. Coleman became one
of the original members of a squad established to
investigate securities fraud and commodities fraud on a
full time basis. He specializes in stock manipulation cases
that have an international aspect and securities fraud
based international money laundering investigations.
Marcy Forman, Director of Investigations
DEPARTMENT OF HOMELAND SECURITY-
ICE
Ms. Forman is responsible for all aspects of the ICE
investigative mission to include the supervision of over
6,000 Special Agents, 156 field office to include 26 ICE
Special Agent-in-Charge offices; four major investigative
program divisions at ICE Headquarters: Financial
Investigations, Investigative Services, National Security
Investigations and Smuggling/Public Safety Investigations;
the Office of International Affairs; and responsibility for
administering a budget of nearly $1 billion dollars. Prior
to assuming the position of Director of Investigations, Ms.
Forman was the Deputy Assistant Director, Financial
Investigations Division, for ICE, overseeing three specific
initiatives, the centerpiece of which is Cornerstone, which
identifies the means and methods used by criminal
organizations to exploit U.S. financial and trade systems.
Phillip D. Hull, Special Agent
INTERNAL REVENUE SERVICE
Phil Hull currently serves as a Special Agent for IRS-
Criminal Investigation in Jackson, Mississippi He joined
IRS in 1987. During his career he has successfully
completed over one hundred (100) criminal investigations
including numerous large scale non-narcotic money
laundering organizations which involved domestic and
international money laundering activity. His investigative
experience includes being the case agent for a grand jury
criminal investigation of a financial institution involving
Bank Secrecy Act reporting requirements including failure
to file suspicious activity reports in a timely, complete and
accurate manner and for failing to have an appropriate
program for detecting and reporting suspicious activity.
Lester Joseph, Principal Deputy Chief- Asset
Forfeiture & Money Laundering
US DEPARTMENT OF JUSTICE
Lester M. Joseph is the Principal Deputy Chief of the
Asset Forfeiture and Money Laundering Section of the
Criminal Division, U.S. Department of Justice. He has
been a Deputy Chief in the Section since October 1991
and Principal Deputy Chief since January 2002. The
Asset Forfeiture and Money Laundering Section is
responsible for coordinating policy with respect to the
application and enforcement of the asset forfeiture and
money laundering statutes by federal prosecutors and the
federal law enforcement agencies. Prior to working in the
Asset Forfeiture and Money Laundering Section, Mr.
Joseph worked for seven years as a Trial Attorney in the
Organized Crime and Racketeering Section. From 1981-
1984, Mr. Joseph was an Assistant State’s Attorney in
Cook County (Chicago), Illinois.
10:00 Morning Networking Break
10:15 Reduce Exposure to Politically
Exposed Persons and Other High-
Risk Clients by Enacting a Thorough
AML Risk Assessment Program
• Complying with Sections 312 and 311 of the USA
Patriot Act
• Determining if the FATF list of noncooperative
countries is still relevant
• How to develop a new list to identify highrisk
countries
• Risk-based analysis from foreign private bank
accounts and political officials
• Defining exactly who a PEP is, the risk they carry,
and implementing a system to identify them
• Offshore jurisdiction risk – how much due
diligence is enough?
• Reducing exposure to risky clients in countries in
which a large percentage of people in the banking
sector have political connections
• What to do to understand the risk, monitoring
transactions, keeping a degree of transparency
• Assessing other high-risk product lines
Moderator:
C. Rachel Raemore, CMG/WMG
Compliance Director
WACHOVIA CORP.
C. Rachel Raemore is currently the Anti-Money
Laundering Compliance Director for the Capital
Management and Wealth Management Groups at
Wachovia Corporation. In this role, Rachel ensures that
each business line within the two divisions has analyzed
and instituted the appropriate programs relative to
managing AML and OFAC risks. Her responsibilities also
entail analyzing and determining which business lines are
impacted by the USA PATRIOT Act of 2001 and
implementing appropriate changes.
Panelists:
Marcy Forman, Director of Investigations
DEPARTMENT OF HOMELAND SECURITY-
ICE
Kate Jones Troy, Director & Global Anti-
Money Laundering Prevention Officer
CREDIT SUISSE FIRST BOSTON
Kate Jones Troy is CSFB’s Global Money Laundering
Prevention Officer. Prior to joining CSFB, Ms. Jones Troy
was a Director and Senior Counsel at Merrill Lynch
where she worked in the Regulatory Affairs and Litigation
Groups. Prior to that Ms. Jones Troy worked in the New
York County District Attorney’s Office Trial Division for
10 years including assignments to the Homicide Bureau
and the Sex Crimes Prosecution Unit.
Patrick Kidney, Director of Financial Crimes
Prevention and Intelligence
LEHMAN BROTHERS
Patrick Kidney is primary focus is on the
implementation of the anti-money laundering and antiterrorist
financing provisions of the USA PATRIOT Act,
economic sanctions and foreign corruption issues. Prior to
moving to New York in May 2002, he was a member of
the Compliance team for Lehman Brothers in London
where he implemented the Firm’s European money
laundering prevention program. He is currently the Co-
Chairperson of the Securities Industry Association’s Anti-
Money Laundering Committee, and has been an active
member of this Committee since 2002.
©2005 IIR Holdings, Ltd.
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11:15 Compiling Comprehensive and
Complete Data for Your Annual AML
Program Audit
• A “cheat sheet” on what rules have been finalized
that auditors should be paying strict attention to
• What auditors should be doing and looking at
when doing a firm’s review
• Identifying the key differences in audit
requirements for mutual funds, unregistered
investment advisors and other alternative
investments
• Analyzing the findings of any audits investigated
by federal regulators
• Evidencing supervisory reviews
• Implementing a system in which your
documentation is ready on a moment’s notice
• Putting together a policy and procedure manual
Ellen Zimiles, Principal
KPMG LLP
Ellen S. Zimiles is the National Financial Services
Industry Leader in KPMG’s Forensic practice, and has
been with the firm for the last seven years. Ms. Zimiles
provides investigative advisory services, conducts internal
money laundering and fraud investigations for financial
institutions, corporations, and health care providers,
develops and reviews compliance and business ethics
programs, and provides independent monitoring services
for the public and private sector. Ms. Zimiles also conducts
due diligence reviews to determine money-laundering
vulnerabilities internationally. She is an experienced
former prosecutor, civil litigator, and administrator with
over ten years of law enforcement experience and almost
20 years of litigation experience. Prior to joining KPMG,
she served as Chief, Asset Forfeiture Unit, Criminal
Division, United States Attorney’s Office, Southern
District of New York
11:50 Combating the Financing
of Terrorism
• Assessment of the new generation of terrorists and
global trends
• Understanding the dynamics of change and
evolution of operational methodologies •
Understanding the characteristics and dimensions
of terrorist financing
• Amending an AML program to address CFT issues
• Prevention and Detection of Terrorist Financing
for Financial Institutions
Concurrent Sessions. Choose A or B:
AImplementing a Thorough Transaction
Monitoring & Surveillance Technology System
Kenneth L. Bryant, Consultant
ANTI-MONEY LAUNDERING
(AML)/COMBATING THE FINANCING
OF TERRORISM (CFT)
Mr. Bryant has more than 15 years senior management
experience both in the United States and Overseas as a
money laundering investigator, compliance officer, money
laundering reporting officer, enforcement regulator and a
counter terrorist and counter narcotics consultant. He
possesses seven board certifications covering the areas of
risk management, financial due diligence, financial
operations, regulatory compliance, and anti-money
laundering. Mr. Bryant resides in the United States where
he manages and operates a global asset protection and risk
mitigation consultancy. He advises governments,
international bodies, regulatory agencies, and financial
institutions on a global basis.
Dennis M. Lormel, Senior Vice President, Anti
Money Laundering
CORPORATE RISK INTERNATIONAL;
Former Chief, Terrorist Financing Operations
Section, CounterTerrorism Division
FEDERAL BUREAU OF INVESTIGATIONS
Mr. Lormel retired from the Federal Bureau of
Investigation (FBI) in December 2003, following over 30
years of government service, almost 28 years as a Special
Agent in the FBI. Immediately following the terrorist
attacks of September 2001, Mr. Lormel formulated,
established and directed the FBI’s comprehensive terrorist
financing initiative. He developed and implemented a
variety of proactive and progressive investigative
methodologies. These efforts evolved into the formation of
a formal Section within the Counterterrorism Division of
the FBI, known as The Terrorist Financing Operations
Section. Mr. Lormel received numerous commendations
and awards to include the Department of Justice,
Criminal Division’s, Assistant Attorney General Award for
Investigative Initiative and the Central Intelligence
Agency’s George H. W. Bush Award for Excellence in
Counterterrorism. Based on his recognized expertise, he
accepted a position as Senior Vice President, Anti-Money
Laundering, with the full service corporate security
consulting firm Corporate Risk International.
B
12:25 Luncheon for delegates and
speakers
Keynote Presentation:
The Office of Foreign Assets
Control in the 21st Century
• OFAC’s relationship to FinCEN and its role
within Treasury’s Office of Terrorism and
Financial Intelligence (TFI)
• The connection between sanctions compliance
and AML
• OFAC’s involvement with FATF issues, including
charities, funds transfers (including crossborder
ACH), and MSBs
• An institutional and remedial approach to
Enforcement (new guidelines, examination
matrices, and best industry practices)
• Providing the tools for implementation
• User-friendly website modernization
• Publicly addressing more questions of
general applicability
• Moving toward a paperless environment
• Engaging in greater outreach
Robert W. Werner, Director
OFFICE OF FOREIGN ASSETS CONTROL
Robert Werner became the Director of the Office of
Foreign Assets Control (OFAC) on October 1, 2004.
Werner brings extensive federal, state and private sector
experience to this position. At Treasury, he served as the
Assistant General Counsel for Enforcement and
Intelligence, Counselor to General Counsel and Chief of
Staff at the Financial Crimes Enforcement Network.
Immediately prior to coming to the Treasury, Werner
served in the Justice Department’s Office of Legal Counsel.
He has also served as a federal prosecutor in the U.S.
Attorney’s Office in Connecticut, Associate Attorney
General in Connecticut, and he headed Connecticut’s
gaming regulatory agency. His private sector experience
includes work as a partner at Bingham Dana LLP
(now Bingham McCutchen) and as an officer at
Phoenix Home Life Mutual Insurance Company
(now The Phoenix Companies).
Constructing a Compliant AML Program for
Insurance Companies Dictated by New
Regulations
©2005 IIR Holdings, Ltd.
1:45 • Comparing and contrasting the various available platforms
• Determining the criteria which will set off the warning bells in your
surveillance system
• Issues to consider when deciding to build in-house or purchase
• Coordinating new technology platforms with existing systems
• How to make your technology purchases cost efficient
Michael Dougherty, Principal
FTI CONSULTING
Tara Loftus, First Vice President & Deputy Director of Compliance
UBS FINANCIAL SERVICES INC.
Ms. Loftus manages the UBS Financial Services’ Money Laundering Prevention Group, which
handles all matters related to the Bank Secrecy Act. The Group is responsible for developing AML
policies and procedures, coordinating UBS’ AML training efforts, providing counseling and reporting
on AML issues, and conducting AML surveillance and investigations. In addition, the Group is also
responsible for managing UBS’ PATRIOT Act and OFAC Compliance efforts. Ms. Loftus started her
career in the securities industry in 1993 as a member of Merrill Lynch’s Legal Department.
She held various Compliance and Regulatory positions at Merrill Lynch and then JP Morgan,
prior to joining PaineWebber (now UBS) in early 2000. Ms. Loftus is a member of the SIA’s
Anti-Money Laundering Committee.
John F. Walsh, Senior Vice President- AML Technology Group
BANK OF AMERICA
John Walsh has over 20 years of International Financial Services experience. He has been
involved with Commodities, Foreign Exchange and Fixed Income, as a trader and in senior business
management positions. John has worked directly in both the US and several high risk emerging
market countries, during which time he gained valuable experience addressing international
compliance and AML issues. He then migrated to the technology side of the financial services business
to design, implement and manage technology based systems, with a concentration on data
management, trading technologies, fraud and surveillance. Since 2001 John has concentrated his
energy and efforts on AML. He currently manages the AML and Terrorist Financing Technology
group at Bank of America.
1:45 • How the newly issued regulations will alter the way you conduct business
• Understanding the differences between the new insurance regulations with the
already established regulations for broker dealers and mutual funds
• Will auditing occur on a federal or state level?
• Customer identification rules
• Identifying the type of training that will be necessary
• Transaction monitoring in the insurance industry
Brian C. Loutrel, Vice President & AML Compliance Officer
NEW YORK LIFE INSURANCE CO.
Brian Loutrel is in charge of anti-money laundering and privacy compliance efforts as well as
managing the handling of regulatory inquiries, examinations and reporting. Brian joined New York
Life in June 1982. During his tenure with New York Life, Brian spent 15 years with the Corporate
Audit Department conducting operational and information systems audits and fraud investigations,
and the last seven years with the Corporate Compliance Department, where he has managed several
divisions, including branch office audits, agent licensing and NASD registration, complaint handling
and sales material review.
Theresa Rittinger Schaefer, AVP, Associate General Counsel/Compliance
NATIONWIDE MUTUAL INSURANCE CO.
Theresa R. Schaefer joined Nationwide in 1994 initially representing the life insurance and
affiliated companies. From 2001 to this year, Ms. Schaefer was elected as the chief administrative
officer for the Office of the Chief Legal Officer, responsible for its thousand legal, compliance and
government affairs employees, strategic planning and budgets. Currently, she is responsible for special
projects for the Chief Legal Officer including overseeing corporate compliance programs and
implementing enterprise wide new regulatory programs such as anti-money laundering. Prior to joining
Nationwide, Ms. Schaefer was appointed as the Assistant Chief Counsel, Ohio Attorney General Office.
Gary W. Sutton, Senior Banking Counsel, Office of the General Counsel
US DEPARTMENT OF THE TREASURY
Gary Sutton is responsible for issues relating to the regulation of financial institutions. He has been
primarily involved in implementing the anti-money laundering provisions of the USA PATRIOT Act
since its enactment in 2001. Prior to joining the Treasury Department he represented financial
institutions in both regulatory and transactional matters. He began his career at Shearman & Sterling
and has subsequently served in corporate counsel positions, including General Counsel of a regional
bank holding company. He also served as Special Counsel in the Division of Market Regulation of the
Securities and Exchange Commission and Senior Counsel at the Office of Thrift Supervision, and was
an adjunct professor at George Mason University Law School.
William D. Wilcox, Chief Compliance Officer & Counsel
TRAVELERS LIFE AND ANNUITY
William Wilcox serves as Chief Compliance Officer and Counsel for Travelers Life & Annuity
based in Hartford, CT. Bill has served in this role for 5 years. Prior to this assignment he served as
Counsel at Travelers Life & Annuity focusing on securities and securities distribution issues. Prior to
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The Most Senior Level Speakers
joining Travelers Life & Annuity he worked at Connecticut Mutual and Mass Mutual focusing on
securities and product development issues. Bill began his legal career at Schatz & Schatz, Ribicoff &
Kotkin as an attorney specializing in corporate matters.
3:45 Afternoon Networking Break
A
Building a Compliant AML Requirement for
Hedge Funds, Investment Advisors and Other
Small Businesses
2:45 • Identifying the optimal way to assure compliance due to budget and
employee constraints
• Offshore hedge fund requirements
• Investment advisor AML requirements
• Identifying how much exposure small businesses actually have relating
to AML compliance
• Implementing methods to comply with the law while keeping costs in line
with your budget
Kate Dressel, President
STRATEGIC COMPLIANCE SOLUTIONS LLC
Kate Dressel is President of Strategic Compliance Solutions, LLC, a St. Croix, USVI-based
consulting firm which assists alternative investment firms with regulatory compliance and operational
issues. Prior to forming SCS in September of 2003, Ms. Dressel spent over 10 years at ARA Portfolio
Management Company, LLC, a Commodity Trading Advisor, Commodity Pool Operator and hedge
fund with maximum assets under management of over $620 million. As Vice President of Client
Services and Compliance, Ms. Dressel had complete responsibility for those areas of firm operations.
Ms. Dressel earned the CRCP designation upon completing the NASD/Wharton School of Business
Certified Regulatory Compliance Professional program.
Margaret Paradis, Of Counsel
ORRICK HERRINGTON & SUTCLIFFE LLP
Margaret R.A. Paradis is an investment fund and asset management attorney, focusing her
practice on regulatory compliance and product development for the U.S. and global markets. She has
extensive experience counseling investment advisors on compliance with securities, banking, antimoney
laundering and other applicable laws. Her knowledge of both the asset management business
and the anti-money laundering requirements enables her to advise clients on practical and effective
ways to achieve compliance with legal requirements. She has counseled managers on the securities
issues involved in structuring a wide variety of funds, other collective vehicles, related marketing
efforts, and distribution arrangements in the institutional and retail markets.
Stephanie Pries, Esq., Vice President & Senior Legal Counsel
MANAGED FUNDS ASSOCIATION
In her position at MFA, Ms. Pries carries out the Association’s governmental affairs advocacy in
Washington, D.C., and serves as the general counsel. Prior to joining MFA in 2002, from 1998-
2002 Ms. Pries was a corporate and securities associate for Gray Cary Ware & Freidenrich LLP, in
Palo Alto, California, and Brobeck Phleger & Harrison LLP, in Washington, D.C. Ms. Pries
specialized in venture capital financings, public equity offerings, securities law, corporate governance,
and mergers & acquisitions.
Gary W. Sutton, Senior Legal Adviser for Financial Crimes
US DEPARTMENT OF THE TREASURY
BEnsure Failsafe Business Operations by
Conquering Additional AML Compliance
Challenges Associated With High-Risk Businesses
2:45 • Jewelry
• Credit card companies
• Charities
• Money Service Businesses
Gina Adelphia, Executive, Financial Institutions Group
CROWE CHIZEK & CO.
Cecilia Gardner, Executive Director, General Counsel
JEWELERS VIGILENCE COMMISSION
Cecilia L. Gardner is currently the Executive Director and General Counsel of the Jewelers
Vigilance Committee (JVC), a not-for-profit trade association dedicated to compliance with laws
pertaining to the jewelry industry. She also holds the position of General Counsel to the World
Diamond Council, an international association whose purpose is to end the trade in conflict diamonds.
She is a member of the Board of Directors of the Women’s Jewelry Association, the Board of Directors of
the Jewelers Charity Fund for Children, and a recipient of its 2001 Annual Award for Excellence.
Jorge Guerrero, CEO
OPITMA COMPLIANCE & CONSULTING INC.
In addition to providing legal services to money transmitters and other Money Services Businesses,
Mr. Guerrero has served as president of the National Money Transmitters Association. He is credited
with developing the anti-money laundering compliance handbook for money transmitters that set the
industry standard. Most recently, Jorge Guerrero served as Chief Compliance Officer and Corporate
counsel for Vigo Remittance Corp., the third largest money transmitter in the world. Optima
Compliance & Consulting, Inc. is comprised of recognized experts with proven records in the antimoney
laundering field. Jorge Guerrero also serves as a member of the Advisory Board of the
Association of Certified Anti-Money Laundering Specialists.
Eileen Heisman, President
NATIONAL PHILANTHROPIC TRUST
Ms. Heisman, a nationally recognized expert on planned giving, was among the first fundraising
professionals nationally to earn the distinguished Advanced Certified Fund Raising Executives
(ACFRE) designations. NPT, where Eileen worked since its inception, is a national public charity
that was founded in the fall of 1996 and has gathered over $875 million and now manages over
$530 million in charitable assets. Prior to joining NPT, Heisman served as director of planned giving
at Abington Memorial Hospital and was the first development officer at the Philadelphia Foundation.
Barry M. Koch, Global Head of Anti-Money Laundering
AMERICAN EXPRESS CO.
Barry M. Koch joined American Express in 2002, as Global Head of Anti-Money Laundering. In
this capacity, he is responsible for managing Amex’s corporate-wide anti-money laundering program, as
well as overseeing the compliance programs for the following global businesses: Private Banking, Global
Investment and Financial Markets Services, Foreign Exchange Services, and Travelers Cheques and
Prepaid Services. He also oversees the Global Sanctions Center of Excellence. Barry represents American
Express on FinCEN’s Bank Secrecy Act Advisory Group, created by Congress to advise the Secretary of the
Treasury on BSA issues. He is a Certified Anti-Money Laundering Specialist and a member of ACAMS.
AUnderstanding the Role Clearing Firms Have in
Complying with AML Regulations
4:00 • How far is too far?
• Understanding the limits of a clearing broker’s duty to monitor for
suspicious activity
• Identifying the line on where the introducing broker’s role ends and the clearing
broker’s role begins
• Determining a clearing firm’s responsibility for monitoring an introducing
account as if it was their own account to assure OFAC compliance
Linda Busby, Anti-Money Laundering Officer
RAYMOND JAMES FINANCIAL
Bill Freilich, General Counsel
BEAR STEARNS SECURITY CORP.
Elizabeth Paige Baumann, Assistant Anti-Money Laundering Officer
Enterprise Compliance
FIDELITY INVESTMENTS
Aaron K. Fox, Vice President, AML Compliance
RBC DAIN RAUSCHER
Lourdes Gonzalez, Assistant Chief Counsel – Sales Practices, Division of
Market Regulation
SEC
George W. Arnett III, Director & Counsel
PERSHING LLC
Mr. Arnett is responsible for litigation, anti-money laundering and international legal issues. He
currently chairs the SIA’s Clearing Firm’s Subcommittee on Anti-money laundering and is a member of
the SIA’s Anti-money laundering Committee and State Regulation and Legislation Committee. From
1993 to 1997, Mr. Arnett was a Deputy Attorney General with the New Jersey Division of Criminal
Justice where he led the State’s investigation into the bankruptcy fraud and money laundering of now
convicted penny stockbroker Robert Brennan.
BOvercoming AML Compliance Issues in
Institutional Businesses
4:00 • Detecting money laundering activity in an institutional arena
• How do you prevent the layering process?
• Where do you draw the line?
• Applying Section 312 of the Patriot Act in an institutional setting
• Enhancing due diligence for foreign correspondent accounts
• OFAC Concerns for institutional accounts
Connie M. Friesen, Partner
SIDLEY AUSTIN BROWN & WOOD LLP
Robert M. Axelrod, Managing Director, Global Compliance
BANK OF NEW YORK
Robert M. Axelrod deals with issues of broad application, including anti-money laundering, insider
trading, trade processing, supervisory procedures and mutual fund arrangements. Previously, he was
General Counsel at First Institutional Securities, and a litigation partner at Sill Cummis in New Jersey.
He has represented numerous firms in regulatory proceedings and securities litigation, including
membership continuance and restriction agreements, statutory disqualification, restrictive covenants,
customer complaints and related matters.
Jeff Horowitz, Director, Head of AML Compliance
CITIGROUP CORPORATE & INVESTMENT BANK
Jeff Horowitz’s AML responsibilities include the Institutional Sales and Trading departments of
Citigroup Global Markets Inc., Investment Banking, Global Relationship Banking, FX, Futures, and
Derivatives. He represents the Corporate and Investment Bank on Citigroup’s AML Executive Committee.
Prior to joining Citigroup, he was the Deputy Director of Money Laundering Prevention at Lehman
Brothers Inc. Jeff previously worked at Goldman Sachs from 1997 to 2002. He began his career at the
FDIC in the Division of Resolutions.
Michael A. Meyer, Vice President & Director of AML Compliance
GOLDMAN SACHS
Michael A. Meyer oversees the implementation and daily operation of the firm's Global Anti-Money
Laundering Program. In addition, Mike oversees the compliance functions responsible for the firm's
economic sanctions, anti-corruption, campaign finance, and government affairs policies. Mike previously
worked in the firm's Business Intelligence Group of the Legal Department. Prior to joining Goldman
Sachs in 2000, Mike worked in the Washington, DC office of O'Melveny & Myers LLP. His primary
practice areas included international trade law, economic sanctions law, anti-corruption and anti-money
laundering law, and political law. From 1991 to 1993, Mike was an advisor to the Japan Broadcast
Corporation, NHK, on issues related to international trade. He is the co-author of The New Rules of
Global Trade, A Guide to the World Trade Organization (1997).
Meg Zucker, Executive Director, AML Group
MORGAN STANLEY
Meg R. Zucker has been with Morgan Stanley for seven years. Meg’s career began in 1994 when she
joined Goldman Sachs’ Compliance Department. In 1997, she left Goldman to become the Equity
Compliance officer at Barclay’s Capital. Meg joined Morgan Stanley’s Law Division in 1998, covering
Fixed Income Compliance and Anti-Money Laundering for Private Wealth Management (PWM) and the
Institutional Securities Group (ISG). Currently, Meg is the Anti-Money Laundering Group Manager for
the Institutional Securities Business.
5:00 Conclusion of Main Conference
©2005 IIR Holdings, Ltd.
To Register Call 888-670-8200 • Fax 941-365-2507
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and Attendees of any AML Conference.
Thursday, Sept. 29, 2005: Post-Conference Summit
GLOBAL ANTI-MONEY LAUNDERING: Sorting Through the Interplay of Different Regional Anti-Money
Laundering Requirements and Standards
©2005 IIR Holdings, Ltd.
8:00 Registration/Morning Coffee
8:30 Opening Remarks
Julie Copeland, First Vice President, Director
of Global Compliance
MERRILL LYNCH
Julie Copeland is the Director of the Global Monetary and
Financial Control Group for Merrill Lynch and was most
recently appointed the Global Anti-Money Laundering Officer
for the Firm. She is a First Vice President and Assistant General
Counsel at the Firm. Prior to this position, Ms. Copeland was
the Director of Global Compliance for Merrill Lynch’s
International Private Client Group. When she came to Merrill
Lynch in 1995, Ms. Copeland was appointed the head of Merrill
Lynch’s Money Laundering Prevention Group, which was the
first group of its kind in the securities industry. Her
responsibilities have also included investigations related to
criminal and regulatory matters. From 1986 and 1995, Ms.
Copeland was an Assistant United States Attorney in the U.S.
Attorney’s Office for the Eastern District of New York.
8:45 OVERVIEW: Global Anti-Money
Laundering Industry Standards—
Implementing the New Best
Practices in the Field
• Identifying the latest trends in multilateral
development bank AML programs
• Collaboration between FATF, IMF and the
World Bank
• Resources for international AML standards and
best practices
• Revised FATF-40 recommendations on money
laundering and terrorist financing for financial
institutions and non financial businesses
• Special recommendations against
terrorist financing
Sarah Elizabeth Jones, Senior Anti-Money
Laundering Officer
INTERNATIONAL FINANCE CORP. (IFC)
IFC is the private sector investment arm of the World Bank
Group. In IFC’s Business Risk Department, Ms. Jones
coordinates IFC’s efforts for combating money laundering and
terrorist financing, providing support, training and technical
assistance for IFC, its partners and clients. Prior to joining IFC,
she worked on anti-corruption initiatives in Eastern Europe. She
was Senior Advisor in USAID’s Europe and Eurasia Bureau and
Project Coordinator for the UN Anti-Corruption Project in
Bucharest, Romania, the pilot project for the UN Global Anti-
Corruption Program. Ms. Jones has extensive experience with
anti-money laundering and financial crime issues in both US
government and banking sectors. In government, she served as
Trial Attorney in the United States Justice Department’s Money
Laundering Section and as Financial Crimes Counsel for the
National Association of Attorneys General. As Counsel for a
regional bank holding company, she provided legal services to the
bank’s commercial, retail, and operations divisions, including
anti-money laundering regulatory and compliance issues.
Stephanie Lowy, VP, AML Compliance Analyst
SMITH BARNEY
Stephanie Lowy, CAMS, was most recently a Program
Officer with the Financial Services Volunteer Corps, a nonprofit
organization based in New York that works to strengthen
banking systems in emerging market countries. She is the primary
point person for the organization’s assistance work in anti-money
laundering, risk management, and consumer finance. She has
arranged numerous such projects for both the public and private
sectors in Asia, the Middle East, the Balkan states, and Russia.
Ms. Lowy also serves as the organization’s Desk Officer for
Indonesia. She currently serves as the Director of International
Affairs for the Metro New York Chapter of the Association of
Certified Anti-Money Laundering Specialists.
Alan S. Abel, Anti-Money Laundering (AML)
Risk Management Services Leader
DELOITTE & TOUCHE
Alan Abel has worked with the Boards and senior
management of more than fifty financial institutions of varying
asset size to help them develop and strengthen their anti-money
laundering controls and business processes, to assist their efforts in
improving their AML and Bank Secrecy Act (BSA) compliance
and, in many cases, remediating their regulatory compliance
deficiencies.
9:30 Caribbean
• Identifying the AML risks that exist in the
Caribbean region
• Update on AML and counter terrorist financing
framework in the Caribbean region
• Locating the gaps in current AML regulation
• Combating AML and terrorist financing in
offshore accounts
• Using the CFATF to further AML initiatives
Kenneth L. Bryant, Managing Director
COMPLIANCE SOLUTIONS LTD.,
JAMAICA
Mr. Bryant is Co-founder and Managing Director of
Compliance Solutions Limited, to provide AML/CFT
guidance, training and systems to governments, international
bodies, regulatory agencies, and financial institutions throughout
the Caribbean. He has more than 15 years senior management
experience both in the United States and Overseas as a money
laundering investigator, compliance officer, money laundering
reporting officer, enforcement regulator and a counter terrorist
and counter narcotics consultant. Mr. Bryant resides in the
United States where he manages and operates a global asset
protection and risk mitigation consultancy. He advises
governments, international bodies, regulatory agencies, and
financial institutions on a global basis.
Wendy Warren, CEO and Executive Director
BAHAMAS FINANCIAL SERVICES
BOARD
Wendy C. Warren is the second Chief Executive Officer and
Executive Director of the Bahamas Financial Services Board
(BFSB), an organization devoted to increasing the quantity and
quality of financial services in The Bahamas. She began her
professional career as a Senior Auditor with KPMG. From 1992
to 2001 she was actively involved with the private banking and
investment funds business at MeesPierson (Bahamas) Ltd. and
co-founder of Cardinal International Corporation Limited,
where she served as a director principally involved with
investment funds. She was also a former Director of the Bahamas
Electricity Corporation. Ms. Warren joined the Bahamas
Financial Services Board on February 1st, 2001, after having
served as a member of its Board of Directors from 1998 to 2000.
10:30 Morning Networking Break
10:45 Asia
• Where is AML money being spent in this region?
• Identifying the responsibility of the banks and the
region’s multinational enforcement agencies
• Improving KYC and CIP programs to overcome
challenges in AML and terrorist financing
Robert Edwards, Global Director of AML
CITIBANK PRIVATE BANK, SINGAPORE
Robert Edwards was most recently the Director of Anti-
Money Laundering at Citigroup Global Markets, Inc. He started
with CGMI in April 2000 after working in Singapore as the
General Counsel for Guthrie GTS Ltd., a publicly-traded
property development and engineering company.
11:30 Europe
Part I: The Third European Union
Money Laundering Directive
• Current EU AML/CFT framework
• New elements in the draft directive
• Relationship to FATF standards
Udo Franke, Counselor- Financial Sector
Regulation, Anti-Money Laundering Policies
EMBASSY OF THE FEDERAL REPUBLIC
OF GERMANY
Udo Franke is currently Counselor at the German Embassy
in Washington, responsible for financial sector regulation and
anti-money laundering policies. Directly prior to coming to the
Embassy, from 1995 to 2002, Udo Franke served at the German
Federal Ministry of Finance, where he was in charge of further
development of international financial market standards, revision
of the German Banking Act and implementation of EU directives
into national law within the sections for Banking Regulation
and International Financial Markets. From 1990 to 1995, he
worked in the section for basic economic policy at the former
German Federal Banking Supervisory Office.
Part II: Eastern Europe Focus
• Off Shore Corporate structures -why businesses in
this Region use them
• Can there be an effective KYC process?
• Taxation related issues in unstable “new”
Economies.
• KYC process where there is corruption in
Government structures.
• What about Capital Flight in the Region ?
Michael J Bourke, President & CEO
RIETUMU BANK, LATVIA
Michael Bourke has been president and chief executive
officer of Rietumu Bank since 1997, with a task to redevelop the
bank into a Western-style bank, corporate governance, strategy,
vision, focus and management team. He came from the Bank of
Latvia, where he was the resident advisor of bank accounting
and banking supervision in charge of the restructuring and
reform of the banking system and introduced international
standards to the bank. Previously. Mr. Bourke held positions at
NCB Group, the International Monetary Fund, and the Central
Bank of Ireland. Mr. Bourke has also served as the Honorary
Consul-General of Ireland since 2003.
12:45 Luncheon for delegates and
speakers
2:00 Middle East
• Recent legal and regulatory developments in the
Middle East
• The Dubai Financial Services Authority - a new
regulator in the new Dubai International Financial
Centre and its AML/CTF regime
• DIFC’s approach towards banking secrecy,
customer confidentiality and data protection
• The challenges of Islamic banking and ‘Hawala’
Marc Hambach, Assistant Director -
Supervision
DUBAI FINANCIAL SERVICES
AUTHORITY, UAE
Marc Hambach is an Assistant Director in the DFSA
Supervision Department and is responsible for its Anti Money
Laundering function as well as a case officer for the regulatory
supervision of licensed firms. The DFSA is the independent
regulator of all financial and ancillary services undertaken in or
from the Dubai International Financial Centre (DIFC), and is
responsible for ensuring that the DIFC is one of the best
regulated financial centers in the world. Marc is a German
lawyer and joined the DFSA in 2003 and has taken a leading
role in developing the DIFC AML/CTF rules and regulations.
Prior to joining the DFSA, he has worked for Clearstream
International (former Cedel) in Luxembourg, one of the world’s
largest providers of securities clearing, settlement and custody
services; holding positions including Company Secretary, Legal
Counsel and Compliance Officer.
3:00 Latin America
• Reducing PEP risk in private and corporate
wealth markets
• Identifying permissible activities with regard to
onshore representation of offshore institutions
• Tax treaties
• Implementing an effective KYC process in
Latin America
Mireya D’Angelo, Head of AML Compliance
HSBC PRIVATE BANK
Mireya D’Angelo is responsible for AML compliance for the
Private Bank and Wealth Management businesses in the US,
Mexico, South and Central America and Cayman. Previously,
Mireya was Investigative Counsel with the NYS Banking
Department with the Criminal Investigations Bureau, the unit
with primary responsibility for conducting investigations into
violations of New York State and Federal Banking Laws and
Regulations. From 2001 to 2002, she was appointed by the New
York State governor and the New York State Banking
Department superintendent to be the Assistant Director and
Counsel to the New York HIFCA/El Dorado Intelligence Center.
Mireya began her legal career as a New York County Assistant
District Attorney, specializing in white-collar crime cases with the
Investigations Division. She was responsible for the investigations
and prosecution of various felony cases including arsons,
widespread corruption in the real estate industry, the construction
industry, insurance industry as well as financial crimes from
corporate entities, cultural organizations and city agencies
4:00 Conclusion of Global Summit
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To Register Call 888-670-8200 • Fax 941-365-2507
9

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©2005 IIR Holdings, Ltd.
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efficient. September 11 is catching up to smaller banks: Is your institution ready? AML Compliance Alert will help you
combat the money laundering and terrorism financing challenges you face every day.
Community Banking Compliance Alert is committed to helping you stay on top of all the developments that affect your
business, as soon as they happen. Community Banking Compliance Alert will help you to compete according to the same
rules as mega-banks with the deepest pockets, the largest legal departments, and the greatest compliance resources.
To Register Call 888-670-8200 • Fax 941-365-2507
Visit us on the Web:
10 www.am

Administrative Details
5 Easy Ways to Register
REGISTRATIONS:
Please complete and return the registration form to Customer Service Manager:
• FAX: (941) 365-2507
% CALL: (888) 670-8200 or (941) 951-7885
h MAIL: IIR NY, P.O. Box 3685, Boston, MA 02241-3685
ok EMAIL: register@iirusa.com
f
Fee
WEB:
http://www.amlac.com
Group Discounts Available
Please contact Aloycia Bellillie at (212) 661-3500 ext. 3702 for details.
No two discounts can be combined.
The standard fee for attending IIR’s 15th Annual Anti-Money Laundering Audit &
Compliance Forum is outlined on the registration form. This includes the luncheon
and refreshments, and the conference documentation and materials submitted by
the speakers. You may enclose payment with your registration or we will send an
invoice. Payments can be made by check, VISA, MasterCard, Diners Club or
American Express. Please make checks payable to the “Institute for International
Research, Inc.” and write the name of the conference delegate(s) on the face of
the check as well as our reference U2002. Payments must be paid by September
12, 2005, to ensure seating at the conference and inclusion on the delegate list.
Dates and Venue
September 26-29, 2005
Marriott Marquis
1535 Broadway
New York, NY 10036
Accommodations
A block of rooms will be held for a limited period of time at the Marriott Marquis.
All hotel bookings must be made through The Global Executive’s Internet booking
site. Please visit www.globalexec.com/iir to make your reservation. If you do not
have web access, or need additional assistance, please call The Global Executive
at (800) 516-4265 or (203) 431-8950. You can also send them an email at
conf@globalexec.com or fax them at (203) 431-9305. The hotel will not accept
individual calls for room reservations at the IIR negotiated group rate.
Substitutions and Cancellations
Should you be unable to attend for any reason, please inform IIR IN WRITING
prior to September 12, 2005 and a credit voucher for the full amount will be
issued which must be used within one year of issuance. If you prefer, a full refund
less a $395 non-refundable deposit will be issued. No refunds or credits will be
given for cancellations received on or after September 12, 2005.
Substitutions of enrolled delegates may be made at any time. Please indicate
upon registration whether you are eligible for a discount. No two discounts can be
combined. If, for any reason, IIR decides to cancel this conference, IIR does not
accept responsibility for covering airfare, hotel or other costs incurred by
registrants including delegates, speakers, sponsors and guests. Program content
subject to change without notice. Press permission must be obtained prior to the
event and is dependant upon speakers’ approval. The press may not quote
speakers or delegates unless they have obtained their approval in writing. Press
passes do not include admittance to break-out sessions.
Documentation Order
If you are unable to attend the program, or would simply like to order additional
sets of documentation for your colleagues, they are available for $395 per set,
including taxes, postage and shipping in the U.S. Please fill out the order form on
the back of the brochure. The documentation is available for shipment two weeks
after the conference takes place. CREDIT CARD PAYMENT ONLY.
Any disabled individual desiring an auxiliary aid for this conference should
notify IIR at least 3 weeks prior to the conference in writing by faxing (212)
661-6045.
Sponsored Events and Table Top Exhibits
Are you looking for a creative way to reach top-level decision-makers? Why not
consider sponsoring a luncheon, cocktail party or refreshment break? Maybe
you’re looking for the perfect forum to showcase your products and services or
an onsite communication center. For information on sponsorship or exhibition
opportunities please contact Andrew Borowiec at 212.661.3500 ext. 3707
Exhibitions
Exhibit space will be available at this conference offering you the perfect forum to
showcase your products and services. This is your chance to make valuable
contacts and have your tabletop display serve as your communications center.
Please call Jeffrey Dubs, 212-661-3500, ext. 3082 for showcase opportunities.
Complaint Resolution Policy
For more information regarding administrative policies such as complaint and
refund, please contact our offices at (888) 670-8200 or (941) 951-7885.
ACAMS is the world's leading anti-money
laundering (AML) membership organization,
with nearly 2,800 members in 100
countries. It promotes the development of
professionals in the field through customized
training programs and workshops. Attendees to this conference will
receive 2 to 3 ACAMS credits.
©2005 IIR Holdings, Ltd.
About the Venue:
Right in the heart of Broadway and Times Square, this
unique 50-story hotel offers the closeness of midtown
Manhattan, as well as a quiet getaway from the bright lights
of the big city. The Marriott Marquis features a 40-story indoor
atrium and 1,944 rooms. Not only does
this property house New York's only
revolving rooftop restaurant and lounge,
it also has a 1,617-seat Broadway
playhouse leased to a third-party
operator.
Institute for International Research is registered with the
National Association of State Boards of Accountancy
(NASBA) as a sponsor of continuing professional
education on the National Registry of CPE Sponsors. State
boards of accountancy have final authority on the
acceptance of individual courses for CPE credit. Complaints regarding
registered sponsors may be addressed to the National Registry of CPE
Sponsors, 150 Fourth Avenue North, Nashville, TN 37219-2417. Web site:
www.nasba.org
Institute for International Research (IIR) is dedicated to
providing quality continuing legal education to
professionals interested in its’ course offerings. In that
regard, IIR has a financial hardship policy for professionals
who are unable to afford the course tuition but are
interested in continuing legal education courses offered at
IIR. For further information regarding IIR’s financial hardship policy, please
contact La Shawn Jackson at 212-661-3500, ex 3052 or via email at
ljackson@iiurusa.com.
Visit us on the Web:
lac.com
To Register Call 888-670-8200 • Fax 941-365-2507
11

The 15th Annual Anti-Money Laundering Audit & Compliance Forum Registration Form
Five Easy Ways to Register
• Fax: (941) 365-2507
% Call: (888) 670-8200
h Mail: Institute for International Research, NY
P.O. Box 3685
Boston, MA 02241-3685
ok E-Mail: register@iirusa.com
f Internet: www.amlac.com
Yes! Please register the following individual(s) for The 15th Annual Anti-Money Laundering Audit &
Compliance Forum
Please check the appropriate option(s):
Institute for International Research
708 Third Avenue, 4th Floor
New York, NY 10017-4103
METHOD OF PAYMENT
❍ I have enclosed my payment
❍ Please charge my credit card:
❍ I will register now and pay later**
❍ Visa ❍ MasterCard ❍ American Express ❍ Diner’s Club
Credit Card No.____________________________ Exp. Date__________
Signature____________________________________________________
**Payment must be received by September 12, 2005
PRSRT STD
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PAID
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Permit N0.44
Register Register Register Register
by by by after
Options:
6/24/05 7/22/05 8/26/05 8/26/05
❍ Conference Only (U2002C) $1,895 $1,995 $2,095 $2,195
❍ Conference + 1 Workshop $2,295 $2,395 $2,495 $2,595
❍ Conference + 2 Workshops $2,495 $2,595 $2,695 $2,795
❍ Conference + Post-Conference Summit $2,495 $2,595 $2,695 $2,795
❍ Conference, Post Conference Summit, 1Workshop $2,695 $2,795 $2,895 $2,995
❍ Global Pass $2,795 $2,895 $2,995 $3,095
❍ Gov’t Rate: Conference Only (U2002C) $895* $995* $1,095* $1,195*
❍ Gov’t Rate: Conference + 1 Workshop $1,095* $1,195* $1,295* $1,395*
❍ Gov’t Rate: Conference + 2 Workshops $1,295* $1,395* $1,495* $1,595*
❍ Gov’t Rate: Conference + Post-Conference Summit $1,295* $1,395* $1,495* $1,595*
❍ Gov’t Rate: Conference, Post-Conference Summit,
1Workshop $1,495* $1,595* $1,695* $1,795*
❍ Gov’t Rate: Global Pass $1,695* $1,795* $1,895* $1,995*
*Gov’t rate subject to IIR approval.
EXHIBITIONS/SPONSORSHIPS:
Please send me more information on how to: ❍ Exhibit ❍ Sponsor
INCORRECT MAILING INFORMATION
If you are receiving multiple mailings, have updated information or would like to be removed from our
database, please contact Tamara Lowe at (212) 661-3500 ext. 3211 or fax this page to her attention at
(419) 781-6036. Please keep in mind that amendments can take up to 6 weeks.
PLEASE DO NOT REMOVE MAILING LABEL
Please choose your workshop(s):
❍ Pre-conference Workshop 1: “What You Should Do When Being Investigated” (U2002B1)
❍ Pre-conference Workshop 2: “Developing an Effective AML Training Program” (U2002B2)
❍ Post-Conference Summit on Global Anti-Money Laundering (U2002B3)
(1) Name___________________________________________________________________________________
Title___________________________________________Department______________________________
(2) Name___________________________________________________________________________________
Title___________________________________________Department______________________________
Your Manager______________________________________Title_____________________________________
Company__________________________________________________________________________________
Address___________________________________________________________________________________
City______________________________________________________________State_______Zip___________
Tel: ( )_________________________________Fax: ( )_________________________________
❍ Yes, keep me informed about future events via fax
signature ___________________________________________________________________________________
❍ Yes, keep me informed about future events via email
signature ___________________________________________________________________________________
E-Mail:______________________________________________________________________________________
U2002
The Most Senior Level Speakers and
Attendees of Any AML Conference.
IIR’s 15th Annual
Anti-Money
Laundering
Audit & Compliance Forum
September 26-29, 2005 • Marriott Marquis • New York City
Keynote Presentations:
William Fox,
Director, FinCEN
Dennis M. Lormel,
Corporate Risk
International & Former
FBI Chief, Terrorist
Financing Operations
Section, CounterTerrorism
Division
Lester M. Joseph,
US Department of
Justice
Marcy Forman,
Department of
Homeland Security-
ICE
Betty Santangelo,
Schulte Roth &
Zabel LLP
Robert W.
Werner, Director,
Office of Foreign
Assets Control
William D. Langford Jr.,
FinCEN
Stephen J. Shine,
Prudential Securities
Inc.
Earn up to 28.5 CLE & CPE credits!
Earn 2 to 3 ACAMS credits!
Institute for International Research
To To Register Call Call 888-670-8200 • Fax • Fax 941-365-2507 • Visit • Visit us on us on the the Web: Web: www.amlac.com
w w w . . amlac.com