Tibor Bartels heads-up the ING Transaction Services department for the Americas region. He is responsible for Payments and Cash Management solutions, Liquidity Management, Working Capital optimization and Traditional Trade solutions.
Starting 2016, Tibor moved to NY to build an on-the-ground presence for Transaction Services in the region. Currently he leads a team of product specialists that have in-depth discussions with America’s based multinationals on how to improve their daily banking set-up.
Tibor has been with ING for over 16 years and started his career as a trainee and worked in various departments of the bank. In 2007, Tibor joined the Transaction Services department with regional responsibility for the United States. Currently he is a considered to be a specialist for treasury optimization and market trends in Europe and has been regularly been interviewed by sector magazines.

Doug is an Executive Director in Morgan Stanley’s Legal & Compliance Division. He is responsible globally for the Firm’s cybersecurity and privacy legal matters. Prior to joining Morgan Stanley, Doug was a director in PwC’s Cybersecurity & Privacy, Financial Crimes and Forensics practices, where he led the Firm’s efforts regarding cybersecurity regulatory change. Before PwC, Doug served as a federal prosecutor in the U.S. Attorney’s Office for the Southern District of New York, where he investigated and prosecuted national security cyber offenses, including economic espionage and national defense and government system intrusions. Prior to joining the bar, Doug was as a software engineer and program manager for Xerox’s Palo Alto Research Center, Microsoft and Hewlett Packard.

Doug is a 2015 recipient of the Attorney General’s John Marshal Award, the highest attorney honor granted by the Department of Justice, and a 2013 recipient of the Federal Law Enforcement Foundation’s Prosecutor of the Year award.

He is an Adjunct Professor of Law at Fordham, where he teaches a course on computer crimes  and received a Bachelor’s in Symbolic Systems and a Master’s in Linguistics from Stanford University, and a Juris Doctor, cum laude, from Harvard Law School.

Victor Cardona is currently Senior Vice President, BSA Officer at Golden State Bank in Los Angeles, CA. Victor has been in banking since 2004, specializing in BSA/AML compliance since 2005. Victor is also the Director (private sector) of the El Camino Real HIFCA Coalition, a public-private partnership initiative with the HSI Los Angeles field office. Outside of the banking industry, Victor is an Adjunct Professor at Cal Poly Pomona where he teaches Forensic Accounting. Victor received his bachelor’s degree in accounting and his MBA in economic crime & fraud management. Victor attended the police academy before his banking career and attended the HSI Citizens Academy in Los Angeles. Victor has been CAMS certified since 2008 and currently serves as the ACAMS Southern California Chapter’s Co-Chair.

Three-time “The Risk Universe Magazine” Cover-front Author, Mark Elkommos works at SMBC as VP, Compliance Monitoring & Testing, is a seasoned AML professional with more than 15 years of Financial Crime Compliance experience. Mark also is an avid technology & compliance reader, and evidently, a popular author of AML and FinTech topics. He wrote numerous articles on many Risk Management Magazines, also he is a regular LinkedIn blogger. Visit his LinkedIn page and website to know more

Lester Joseph is the Head of the Global Financial Crimes Intelligence Group at Wells Fargo & Company. The primary mission of this Group is to provide intelligence on money laundering activity and financial crime trends to all parts of the enterprise. He joined Wells Fargo in March 2010. Mr. Joseph worked for the United States Department of Justice from 1984 to February 2010. From 2002-2010, he was the Principal Deputy Chief of the Asset Forfeiture and Money Laundering Section (AFMLS). During his tenure in AFMLS, the Section played a major role in several noteworthy money laundering investigations and prosecutions involving major financial institutions.

Nicolas Khouri is currently the Deputy AML/BSA Officer at Ally Bank responsible for leading the execution of key BSA/AML program components such as risk assessments, governance and business line oversight.
Prior to that Nicolas was the Senior Compliance Director at Ally Bank overseeing AML Investigations. As part of his role, Nicolas manages a team that handles all AML investigations, SAR filings and all law enforcement requests and coordination. Prior to that Nicolas was a Senior Audit Director with Ally Bank overseeing all of Compliance and Legal.
Nicolas has over 20 years of financial institutions and investment banking auditing and compliance experience focusing mainly on AML and International Operations. Nicolas holds an MBA in Finance and International Business from the George Washington University and is a certified anti-money laundering specialist (CAMS) since 2006. Nicolas has been an invited speaker and/or panelist at several national conferences on AML and auditing including Association of Certified Anti-Money Laundering Specialists (ACAMS), American Bankers Association (ABA), Florida International Banking Association (FIBA), The Institute of Internal Auditors (IIA) and the Financial Markets Association (FMA).

Employed as Special Agent and Supervisory Special Agent since 2003
• Investigated cases involving International Transnational Organized Criminal Enterprises, Money Laundering, International Corruption
• Staffed in multiple FBI divisions, including Detroit, New York, and FBI Headquarters (Washington DC)
• Bachelor of Science degree in Accounting, Master’s degree in Business Administration

Kevin has served in fraud risk management roles for over 20 years.  His positions include Fraud Operations Manager, Fraud Analytics Manager, Fraud Prevention Manager, and most recently Director of Enterprise Fraud.  His tenure includes large international banks such as Wachovia/Wells Fargo, JP Morgan Chase, Suntrust/Truist and regional midsized banks including SouthState Bank, Heartland (HTLF), and currently Atlantic Union Bank.  He holds certifications as a Certified Fraud Examiner and a Certified AML and Fraud Professional.  He is a contributing member of the ABA’s CAFP certification program.  He is a proud veteran of the United States Army, holds a BS in Law Enforcement Administration and a Master’s in Business Administration.

Hunter Kreger is the FIU Deputy OFAC Officer at Atlantic Union Bank. In this role he serves as the subject matter expert and escalation point for all Sanctions, OFAC, and Watch List related matters at the Bank including 314a information requests. Prior to working at Atlantic Union Bank, Hunter held positions at Deloitte in their Independence and Conflicts Network.
Hunter graduated from the College of William & Mary in 2008 where he obtained a BA in Economics, and currently lives in Richmond, VA.

Arsa leads the Americas Wholesale Credit Model Risk Management at MUFG Union Bank. His team covers the entire spectrum of credit risk models including credit ratings, Basel AIRB, CCAR/DFAST stress testing, Economic Capital, ALLL, CECL, and IFRS 9. Arsa has 17 years of experience in the financial industry; previously he was in Morgan Stanley, Bank of America, and Goldman Sachs in various credit risk modeling and analytics roles. Arsa holds a BS in Computer Science and MS in Computational Finance from Carnegie Mellon University

Rick is the Managing Director and Head of Fraud Strategy and Governance at TIAA where he and his team manage fraud prevention and detection controls related to all of our customer interactions with TIAA. He has 30+ years of experience working in the financial services industry for multiple fortune 100 firms. He also co-chairs TIAA’s Fraud Governance Committee.

As an Executive, he has sponsored and led dozens of complex multi-year fraud prevention, detection and investigation strategies and solutions including supporting the industry’s first retail mobile check deposit capability, credit card EMV Conversion, the use of biometrics and Omni-channel customer authentication.

Rick is the Managing Director and Head of Fraud Strategy and Governance at TIAA where he and his team manage fraud prevention and detection controls related to all of our customer interactions with TIAA.    He has 30+ years of experience working in the financial services industry for multiple fortune 100 firms.   He also co-chairs TIAA’s Fraud Governance Committee.As an Executive, he has sponsored and led dozens of complex multi-year fraud prevention, detection and investigation strategies and solutions including supporting the industry’s first retail mobile check deposit capability, credit card EMV Conversion, the use of biometrics and Omni-channel customer authentication.

Xiaoling (Sean) Yu is a SVP and Director of Model Validation at KeyBank. He has over 15 years of experience in the financial services industry in different quantitative roles.  His areas of functional expertise include Consumer and Commercial Credit Risk, Stress Testing and Capital Modeling, Allowance/Reserve, Comliance Modeling, Business Analytics, and Model Governance.  Prior to Key, Sean was Sr. Group Manager of Quantitative Analytics and Model Development in PNC Financial Service Group.  He started his financial services career in National City Bank as a Sr. Capital Allocation Analyst after worked as a Research Consultant at the Center for Regional Economic Issues of Case Western Reserve University.  Sean has a Ph.D. in Economics from Case Western Reserve University, and a Master in Management Science and a Bachelor in Industrial Economics from Tianjin University.