Speakers of the 8th AML and Compliance Conference
|Chris De Noose
Managing Director of the World Savings and Retail Banking Institute and the European Savings and Retail Banking Group (WSBI-ESBG)
|Mr. Chris DE NOOSE holds a Masters degree in Economics and Finance, Consular Science, Commercial Engineering and Management from the Flemish University of Brussels.
He began his professional career in a Belgian savings bank in 1974 as Adviser to the Chairman. From 1980 till 1994, Mr. DE NOOSE was Chief Executive Officer of the Belgian Savings Banks Association. At the same time, he was among others, member of the Board of Banksys (1983-1994) – the company which developed the Belgian ATM network and the ‘Proton’ electronic purse project in Belgium-; the Fédération des Entreprises de Belgique – the Belgian Employers Federation – (1984-1994) and co-founder of Incofin – an NGO dealing with financial projects in developing countries (1990-1995). Mr. DE NOOSE has also written numerous articles and papers about the financial services sector. In 1986 he co-ordinated the academic study on “Belgian savings banks – history, law, economic role and institutions.”
In 1994, Mr. DE NOOSE took up the post of Managing Director of ESBG and WSBI, which he holds up till now.
Mr. DE NOOSE is a Member of the European Banking Industry Committee (EBIC), a Member of the Board of the Hochschule der Sparkassen-Finanzgruppe (University of Applied Sciences), Member of the Board of Child and Youth Finance International, Secretary General of the Mediterranean Confederation. Furthermore, Mr DE NOOSE is also a Member of the Kuratorium of the Foundation for International Co-operation of the German Savings Banks and Chairman of the Executive Committee of WSBI Advisory Services.
|SESSION 1: AML AND COMPLIANCE IN THE ERA OF COVID|
| Olena Loboiko
|Olena is a policy officer at the European Commission, working in the Financial Crime unit of DG FISMA. Over the last 3 years, Olena has been involved in all Commission’s initiatives the area of anti-money laundering and counter-terrorist financing relating to the financial sector. Before joining the European Commission, Olena has worked at the Dutch Central Bank in the area of prudential supervisory policy for more than 5 years. Olena has extensive experience and expertise in European regulatory and policy framework in the financial sector, backed by educational background in European and international public law, international relations and business management.|
|Andrew Le Brun
Deputy Executive Secretary
|Andrew joined the MONEYVAL Secretariat in October 2019 and became Deputy Executive Secretary in December 2020. His responsibilities include coordination of MONEYVAL’s mutual evaluations. Before joining the Secretariat, Andrew was MONEYVAL’s scientific expert on financial matters. He has been involved in the mutual evaluations of a number of countries under MONEYVAL’s fourth and fifth rounds.
Andrew was responsible for the development of financial crime policy at the Jersey Financial Services Commission from May 2000 to September 2019. His last two years were spent leading the preparation of Jersey’s national ML/TF risk assessment, which was published in October 2020.
Before joining the Jersey Financial Services Commission, Andrew was a partner at KPMG in Jersey. He is a member of the Institute of Chartered Accountants of England and Wales.
AML/CFT Policy Expert
European Banking Authority
|Solene Rochefort joined the European Banking Authority as a Policy Expert on AML/CFT.
Prior to this, Ms Rochefort was the Project Manager of the Europol Financial Intelligence Public Private Partnership, and a Policy analyst at the French FIU Tracfin.
CFE, CAMS, Associate Partner
Forensic & Integrity Services
Ernst & Young
|Stevan Villalobos is Associate Partner in Forensic & Integrity Services practice of EY in Prague, Czech Republic and is Deputy Leader for Financial Services Forensics in Central, Eastern and Southeastern Europe & Central Asia. He assists to financial institutions in the region in combatting financial crime and terrorism financing.
He joined EY in February 2011. He began his career in 2005 with KPMG’s Financial Services Audit department and has over 14 years of professional experience in audit and consulting.
He worked on a wide range of projects both in the Czech Republic and abroad, including Bosnia & Herzegovina, Croatia, Greece, Malta, Luxembourg, Serbia, Slovakia, Slovenia, Switzerland, United Kingdom or United Arab Emirates.
He has experience with leading AML projects for banks, insurance companies, gaming companies or FX traders focused on:• AML / KYC system assessments and improvements
• AML Compliance assessments
• Transaction monitoring assessment and detection efficiency improvements
• Regulatory driven AML investigations
• Filing SARs to local regulators in various countriesStevan is a Certified Fraud Examiner (CFE) and Certified Anti-Money Laundering Specialist (CAMS).
Ernst & Young
• Janis is a Partner at EY, leading Forensic & Integrity Services practice in the Baltic States.
• Janis has 12+ years of professional experience in Financial Services Industry – assurance and advisory services, including more than two years of financial, internal controls and compliance audit experience in Luxembourg.
• Certified Financial Analyst (CFA)Fellow of Chartered Certified Accountants (FCCA)
• Certified Anti-Money Laundering Specialist (CAMS), with an Advanced Certification in Audit(CAMS-Audit)
• Certified Information Systems Security Professional (CISSP)
• Janis has earned his Bachelor’s degree, magna cum laude (with great honors), at Lawrence University, USA, majoring in economics-mathematics and psychology.
• Janis is a Co-Founder and a Board Member of the Baltic ACAMS (Association of Certified Anti-Money Laundering Specialists) Chapter and a frequent speaker at international conferences, sharing insights on innovation in anti-financial crime and digital transformation of the financial services industry
|SESSION 2: FIGHTING MONEY LAUNDERING AND FRAUD
Head of Fraud and Risk prevention
Radar Payments by BPC
|Maxim Kuzin is a pioneering member at BPC Banking Technologies with over 18 years of experience in Risk and Fraud Prevention Strategies. Maxim contributes to all research and development that is required to develop and constantly maintain SmartVista’s ground-breaking fraud prevention solution. He is a regular speaker and teacher, and has produced the foundation course for banking card technologies in universities for senior students who enrolled for Banking Systems and Information Technology. From designing the architecture to implementing solutions for customer support for various regions such as Europe, Africa, Asia and Middle East, Maxim’s involvement has taken Fraud Management at BPC to a leading position in the space.|
Compliance & Risk Leader CEE
Bureau van Dijk, a Moody’s Analytics Company
|Andrej joined Bureau van Dijk’s Bratislava office in February 2014 and has specific expertise in helping organizations streamline their third party due-diligence, on-boarding and risk management processes. He is a regular contributor to several leading regulatory compliance, anti-corruption and risk management forums. Andrej also provides ongoing market feedback to ensure Bureau van Dijk’s product development strategy meets the evolving needs of today’s risk management professionals. He holds a degree in International relations from the University of Matej Bell as well as ICA Advanced Certificate in Practical Customer Due Diligence.|
Financial Analytical Office (Czech FIU)
|Mrs. Tereza Bábová works at the Czech FIU from 2005.At the first period of her presence in the FIU, she was in charge of EU affairs covering both the areas of AML/CFT prevention and international sanctions. She also chaired respective working groups during the first Czech EU Council Presidency.Currently, she manages the national risk assessment process in the Czech Republic. The NRA is an extensive process covering all kinds of ML and TF risks at the national level which might be detected in the prevention and in prosecution systems. She is in constant contact with stakeholders from State bodies and from private sector. The first round of the national ML/TF risk assessment was concluded at the end of 2016, while the second round is being performed now.|
Chief Compliance Officer and MLRO
Raiffeisen Bank Hungary
|With 25 years of overall Compliance experience, Istvan Naszodi is a seasoned Compliance executive with extensive professional knowledge and strong managerial skills. He has a strong track record of implementing Compliance policies, procedures and practices both at multinational (Citigroup – 16 years) and regional (Abu Dhabi Commercial Bank – ADCB and Erste Group – altogether 5 years) banks, especially in GCC and Central and Eastern Europe. Istvan managed large Compliance teams with different skill sets in various geographies.
His key areas of expertise include management of AML/KYC/EDD policies, procedures, operations and staff, thorough understanding of EU/US/UN Sanctions and related monitoring processes, management of overall Compliance programs, creation and maintenance Code of Ethics, Whistleblowing and Fraud Management policies and processes.
Currently, Istvan works as the Chief Compliance Officer and MLRO for Raiffeisen Bank Hungary.
CAMS – Chief Compliance Officer
East-West United Bank S.A.
|Currently, Nicolas is Chief Compliance Officer at East-West United Bank in Luxembourg, designing and promoting the Compliance controls within the EWUB according to Governance requirements including:
Nicolas previously worked at Deloitte Luxembourg as Senior Manager in the Forensic and Anti-Money Laundering Practice, and PwC Luxembourg in Audit of Private Banks and various assignments regarding AML services where he was gained substantial knowledge and understanding of offshore structures and special purpose vehicles.
During his previous experience, he also got the opportunity to spend two years in Singapore where he was involved in a large scale project of KYC remediation for a major Japanese Private Bank.
|SESSION 3: ROUNDTABLE DISCUSSION:
COMPLIANCE, AML AND SANCTIONS – PRACTICAL PROBLEMS AND SOLUTIONS
|Opening Speech by
Global Head of Financial Markets Compliance
|Simon heads up Pole Star’s financial markets & compliance division, working with trade financing banks, commodity trading companies, maritime insurers, flag administrations and governments with sanctions and regulatory exposures in maritime transportation and supply chains. Under his leadership, the company’s PurpleTRAC regulatory technologies have been awarded for innovation in RegTech solutions by MAS, Citi Bank, Microsoft, and recognised by the World Economic Forum, the UN and the US Peace Tech Accelerator Program. Prior to joining Polestar in 2010, Simon worked in financial services, acting as the divisional managing director of derivatives at Tullett Prebon in London and spending 8 years in Geneva as the Managing Director of Cedef Capital Markets.
Dr. Anna Kósa
Head of Compliance
Erste Bank Hungary Ltd.
|After graduating as a lawyer she started her career as a compliance expert at Volksbank Hungary where she dealt with AML/CTF, securities compliance and also fraud prevention topics for almost five years. She joined Erste Bank Hungary Ltd in 2012 as a compliance expert. As an experienced professional she participated as business stakeholder in different regulatory projects and also covered governance and policy topics within the Compliance unit. She was acting head of AML and Compliance unit for 1,5 year and in 2016 she was appointed as head of Compliance and Fraud Prevention function. In 2017 AML/CTF area was also assigned to her management. From 2016 she is one of the employee representative members of the Supervisory Board of Erste Bank Hungary Ltd.|
Chief Compliance Specialist
International Investment Bank
|Richárd Katona since 2019 fulfills the role of Chief Specialist on Compliance Department of International Investment Bank. He started his banking career in 2012 at Citibank, Warsaw Hub as AML Analyst, promoted to AML Senior Analyst. He continued his career in KPMG, Budapest as a Senior Corporate Intelligence Specialist. Before joining International Investment Bank Mr. Katona was a Compliance AML/KYC Expert at Sberbank Hungary. Mr. Katona has extended experience in transaction monitoring, investigation of suspicious activities, EDD processes and general compliance activities with special focus on Central Europe and CIS countries.
Mr. Katona holds a Bachelor’s Degree in Foreign Trade and Master’s Degrees in Economy and International Relations from Corvinus University of Budapest.
He is a Certified Fraud Examiner (CFE) since 2018 and founding member of the ACFE Hungary Chapter.
|SESSION 4: COMPLIANCE, CYBER SECURITY AND FRAUD INVESTIGATIONS
Senior Commercial Manager
Financial Crime Compliance Initiatives
|Urs Kern is responsible for SWIFT’s anti-financial crime compliance product and service portfolio in Europe, Middle East & Africa with a dedicated focus on Cyber Security solution and services. Mr. Kern joined SWIFT in April 2006 as a Market Expert in the corporate, trade & supply chain area. Before joining SWIFT he spent 5 years with the IT and Management Consultancy Capgemini in Germany. Here he was responsible for business development of the trade and payment services offering. Prior to Capgemini, he worked for DZ BANK (Product Development Corporate Business), Société Générale (Correspondent Banking) and Commerzbank (Trade Finance). He has more than 30 years’ background in the financial industry with different responsibilities in various areas of corporate banking and in international divisions.Urs Kern is a German citizen. He holds a degree in banking and international trade and speaks English, French, German and Italian.|
|BusinessForensics CEO, Tames Rietdijk, has dedicated his career to helping banks and insurers detect and prevent criminal activity. Tames began his career as an accountant with KPMG (financial institutions division) and has worked in positions from Product Manager to CTO. Since 2005, Tames has been certified as an Anti-Money Laundering Specialist by ACAMS, and is a founding member of the ACFCS Dutch Chapter. In 2020, BusinessForensics joined the cleversoft group, where Tames plays an active role on the company’s management team. In his spare time, Tames tutors at the Radboud Management Academy.
Chief Sales Officer
|Thomas Fuerst is Chief Sales Officer at HAWK:AI in Munich, Germany. Prior to joining HAWK:AI, Thomas was Founder and CEO of WebID Solutions. In his roles, Thomas has worked with European Regulators over the past decade to advance the accommodation of innovative Fintech/Regtech players and accelerate the regulatory acceptance of digital technologies, such as AI and distributed ledger technology. Thomas holds a BS/BA from Boston University and an MBA from London Business School. He is a Registered Person with the SFA and has been recognized with the Accomplished Entrepreneur Award in 2018 by London Business School.|
|SESSION 5: ROUNDTABLE DISCUSSION:
FIGHTING FINANCIAL CRIME – COOPERATION AND COORDINATION
CAMS, Group Chief Compliance Officer & MLRO at Magyar Bankholding Zrt. and Chief Compliance Officer & MLRO at MKB Bank
Sept 2001 – June 2007, Budapest Corvinus University, MSc in Economics and Sociology, Major in Entrepreneurship Analysis
2016 – present: MKB Bank Plc., Chief Compliance Officer & MLRO
2013 –2016: EXIM (Hungarian Export-Import Bank Plc. & Hungarian Export Credit Insurance Plc.), Compliance Officer / Director of Compliance
2010 –2013: Constitution Protection Office, Operation Officer – Completion of tasks related to economic security
2008 –2009: TATA Consultancy Services, Senior Process Associate
2007 –2008: SAP Hungary Kft., Junior FI Consultant
Relevant Skills and Competences:
Certified Anti Money Laundering Specialist (ACAMS)
President of the Hungarian Banking Association’s AML working group
President of the Hungarian Banking Association’s Compliance working group
Board Member of the Hungarian Internal Auditor Association
Instructor at Compliance and AML/CFT courses organized by the International Training Center for Bankers and for the National Bank of Hungary
Head of Hungarian Financial Intelligence Unit (HFIU)
|Mr Gábor Simonka graduated in law from the University of Szeged in 2002. In the framework of his university studies, he completed a specialized university course in the law of the European Union. In 2005 Mr Simonka obtained a post-graduate diploma in banking and financial law at the Pázmány Péter Catholic University. Mr Gábor Simonka passed his bar exams in 2007.
Mr Simonka started his professional career by holding seminars in the subject of law theory.
In the period from 2003 to 2007 Mr Gábor Simonka worked as a lawyer at the Ministry of Finance. The main area of his activities were the preparation of legislative framework in the domain of anti-money laundering (AML), combating financing of terrorism (CFT) as well as targeted financial sanctions.
Mr Gábor Simonka joined the Hungarian Customs and Finance Guard in 2007. The new Hungarian Financial Intelligence Unit (HFIU) within the organization of the Hungarian Customs and Finance Guard was established under his leadership. Since that time, he has been leading the HFIU as the autonomous department of the Hungarian Customs and Finance Guard and, as a result of the merger between the tax and customs authorities, the National Tax and Customs Administration.
The HFIU is a steady and trusted member of the AML/CFT sphere. Mr Simonka is an active participant of various domestic, regional and global fora and initiatives, he is the author of several publications.
Head of Unit
Ministry of Finance
|Péter Tárnoki-Zách is Head of Unit for AML/CFT Legislation at the Department of International Finance at the Hungarian Ministry of Finance. Fulfilling this post since 2019 he is leading the team of experts responsible for anti-money laundering legislation, and domestic inter-institutional coordination of AML/CFT activities. He is one of the representatives of the Hungarian authorities participating in the discussions of AML/CFT proposals at the European Union institutions.
Between 2012-2019 Mr Tárnoki-Zách led the Department for International Finance, covering EU and OECD discussions, international financial institutions (CEB, EBRD, EIB, IIB, IMF, the World Bank Group), and also AML/CFT legislation and cooperation.
Between 2003 and 2011 he worked at the Permanent Representation of Hungary to the EU in Brussels, Belgium. During Hungary’s Presidency of the EU in 2011 he was chair of the Working Party on Indirect Taxation at the Council of the EU.
He began his career at the Ministry of Finance in 1998, working on VAT and consumption tax matters.
Péter Tárnoki-Zách obtained his degree in economics at the Budapest University of Economic Sciences. He speaks English, Spanish and French.
A Hungarian national, he lives in Budapest with his wife and three children.
Head of AML/CFT Supervision
The Central Bank of Hungary (MNB)
|Bertalan joined The Central Bank of Hungary (MNB) as the Head of AML/CFT Supervision in 2016. In his current position he also represents the Hungarian AML/CFT Supervisor in the Committee of Experts on the Evaluation of Anti-Money Laundering Measures and the Financing of Terrorism (MONEYVAL), in the Expert group on Money Laundering and Terrorist Financing of the European Commission (EGMLTF), and in the AML/CFT Standing Committee of the EBA (EBA AMLSC). Prior to this, Bertalan worked as Compliance Officer and MLRO at the Hungarian Development Bank (MFB) between 2010 and 2016 and as Bankcard Analyst at the Unicredit Bank Hungary from 2008 to 2010. He holds and MBA Degree from the Budapest University of Technology and Economics and he is a Certified Anti-Money Laundering Specialist (CAMS).
Zsolt Wieland dr.
Head of Compliance
|Zsolt is an experience leader with proven track record of heading compliance functions by ensuring strong support to the business and effective mitigation of compliance risks. From 2017 he is the head of compliance at K&H Group (K&H Bank and Insurance) and member of KBC Group Compliance Management Committee. He has extensive experience in financial (leading compliance and legal team at OTP Group for 10 years) and public sector (first five years at Hungarian Financial Supervisory Authority). He is a great supporter of using cutting-edge digital solutions in compliance (implementation of comprehensive market manipulation monitoring system in 2000’s, and most recently AI based solutions in AML profiling). He graduated as a lawyer, and co-author of textbooks on bankmanagement or capital market regulation.
|SESSION 6: FINANCIAL FRAUD IN THE ERA OF COVID|
Vice President, Regulatory Risk Manager at Ocean Bank, Director for FIBA and Co-Chair for the Regulatory Affairs Committee for FIBA
|Daniel Gutierrez is a Vice President, Regulatory Risk Manager with Ocean Bank since August, 2008.
Mr. Gutierrez has been a key part of Ocean Bank’s BSA Management team which enabled the Bank to get off the deferred prosecution agreement and Consent Order, as well as enhancing and strengthening its BSA Program.
Prior to his employment at Ocean Bank (and since 2001), Mr. Gutierrez has worked in other large Financial Institutions in Miami (including: Standard Chartered Bank, American Express Bank International, Banco de Credito de Inversiones and The International Bank of Miami, N.A.) in various BSA/AML/OFAC capacities including Managerial and supervisory positions.
His background and experience in BSA is focused on leading BSA teams to complete: Bank-wide risk assessments, Foreign Correspondent Banking reviews, PEP, PIC/IBC, 314(a), 314 (b) and subpoena and High Risk reviews, OFAC/AML investigations, and other anti-money laundering and regulatory compliance matters including providing training courses.
In his capacity as BSA Manager, Mr. Gutierrez has managed complex cases involving a wide range of clients from local to wealth management international portfolios including small privately owned companies to large multinational entities located in the United States, Mexico, Central America, South America and the Caribbean.
Mr. Gutierrez has extensive experience in anti-money laundering, USA PATRIOT Act, Bank Secrecy Act, Office of Foreign Assets Control (OFAC), and compliance matters. He currently speaks and provides frequent trainings on these before Government Officials, Local and International professionals as well as academic audiences.
Mr. Gutierrez is currently a Director for FIBA and Co-Chair for the Regulatory Affairs Committee for FIBA, he is a Certified Professional in AML (FIBA/ Florida International University Certification); and a Certified Anti-Money Laundering Specialist (CAMS).
Burcu Mentesoglu Tuncer
|Joined Global Legal Entity Identifier Foundation (GLEIF) in January 2018, Burcu is Business Relations & Policy Research Manager at GLEIF. In her current capacity, she is responsible for public consultations, doing policy research in areas relevant for the LEI, managing GLEIF’s Globally Important Financial Institutions Relationship Group, certain LEI Issuer Organization accounts and engaging in various business development projects. Prior to joining GLEIF, Burcu has worked at the Ministry of Economy of Turkey as a Senior International Trade Specialist for 8 years. She has briefly served as a Consultant at the Swiss Agency for Development and Cooperation. She has obtained master’s degrees in Asian Studies from the Middle East Technical University (Turkey) and in International Affairs from the Graduate Institute, Geneva (Switzerland).|
Christian A. Chmiel
Member of the Electronic Transactions Association’s (ETA) Risk, Fraud & Security Committee
|Christian A. Chmiel, CEO of Web Shield in Leipzig, is responsible for the development and implementation of new investigation techniques and research tools to identify fraudulent or brand damaging online merchants. Before, he served as the Deputy Head of Compliance with a German bank and merchant acquirer specializing in online fraud investigations, credit card compliance and underwriting for acquiring banks.
Christian is a Certified Fraud Examiner (ACFE) and a Certified High-Risk Underwriter (WSA). He holds a bachelor’s and Diploma degree in European Business Administration. He is a lecturer at the Web Shield Academy, host of the annual RiskConnect conference series and has written and co-written a series of publications about the various aspects of risk management, fraud detection and investigative methodology for which he has been awarded an honorary doctorate of the University of Iasi (Romania).
Christian is among the Electronic Transactions Association’s (ETA) 2019 “Forty Under 40” class who represent the top forty gamechangers at the intersection of payments and technology every year and has been awarded the 2019 PayTech Leadership Award. He is board advisor to the Merchant Acquirers Committee (MAC), member of the Electronic Transactions Association’s (ETA) Risk, Fraud & Security Committee, and serves on the Expert Group of the EU Observatory on Infringements of IP Rights (European Union Intellectual Property Office).
CEO and Co-founder
|Olivér is an OSINT (Open-Source Intelligence) expert, and entrepreneur. He was formerly a data journalist, digital news innovation leader, editor-in-chief based in Budapest and Berlin. He and his team are dedicated to fight financial fraud through smart screening solutions, and managed to develop a cutting-edge digital fingerprinting technology, which has been awarded by Google Digital News Initiative.