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Staying Alive: How to Survive the Regulatory Storm

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Staying Alive: How to Survive the Regulatory Storm

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(305) 579-0086www.FIBAAML.com

AML TRAINING CONVENIENTLY SCHEDULED BEFORE THE CONFERENCE

2015 FIBA AML CONFERENCE

Confirmed Speakers

Amy RudnickPartnerGibson Dunn & Crutcher

Adam KaufmannPartnerLewis, Baach, Kauffmann,Middlemiss Pllc

Andrés CarriquiryChief Compliance OfficerBanco de la República Oriental del Uruguay

Andres A. FernandezPartnerHolland & Knight LLP

Carl A. FornarisPartnerGreenberg Traurug, P.A.

Lester M. JosephManager, Global FinancialCrimes Intelligence GroupWells Fargo & Company

Marivaldo P. SoaresSenior Compliance OfficerBanco do Brasil

Claude ArnoldSpecial Agent in Charge,Los Angeles, Homeland Security InvestigationsU.S. Immigration & Customs Enforcement

Alcides I. AvilaFounding Partner, Corporate & Financial ServicesAvila, Rodriguez, Hernan-dez, Mena & Ferri (ARHMF)

Jennifer Shasky CalveryDirectorFinancial Crimes Enforcement Network (FinCEN)

Michael DondarskiChief, Regulated Industries,Oversight & EvaluationOffice of Foreign Assets Control (OFAC)

Natasha TaftChief Compliance OfficerAgricultural Bank of China- New York Branch

Walter J. Mix IIIManaging Director and Finan-cial Services Practice Group Leader, Berkeley Research Group, Chairman, International Bankers Association Of California

Susan GalliManaging Director Financial Services AdvisoryPwC

Jamal El-HindiAssociate Director for theRegulatory Policy and Programs Division Financial Crimes Enforce-ment Network (FinCEN)

Ana Maria de AlbaFounder, President & CEOCSMB

Don ChildearsPresident and CEOColorado Bankers Association

William J. FoxManaging Directorof Global Financial Crimes,Corruption & SanctionsBank Of America

Jeff HorowitzManaging Director, Chief Compliance OfficerPershing

Jim RichardsEVP, BSA Officer & Head of Financial Crimes Risk ManagementWells Fargo & Co.

Arthur D. MiddlemissPartnerLewis, Baach, Kauffmann,

Dan StipanoDeputy Chief CounselOffice of the Controller of the Currency (OCC)

James D. StubbsManaging Director,Deputy Head of Global AMLCitigroup

Frank VoglPresidentVogl CommunicationsInc.

Middlemiiss Pllc

Experience the 2015 FIBA AML Compliance Conference

The industry’s premier gathering place of the most senior compliance executives worldwide assuring regulations, best practices and networking

are at the top of the agenda.

Join an outstanding roster of leading industry members and experts in discussing the challenges and opportunities facing the industry at the 15 Annual FIBA AML Compliance Conference taking place on March 5 and 6 , 2015 at the Hyatt Regency Hotel in Miami, Florida.

Keep up as the latest news and highlights are revealed during this much anticipated annual gathering. Prospective attendees can, as always, look forward to an event that will prepare them for yet another year as successful AML professionals.

• Learn what you need for your job in role-focused conference sessions • Hear up-to-date insights about emerging methods of economic crime • Engage in dialogue to delve deeper into the latest international requirements • Benefit from a wealth of real world case studies and best practices • Network with your peers and industry experts to get the real inside story from those in the know • Experience cutting-edge solutions first hand at the interactive exhibition hall

The conference theme this year will be Staying Alive: How to Survive the Regulatory Storm and will include presentations, panel discussions, networking opportunities and so much more.

As attendees of previous FIBA AML Conferences can attest, the event brings together the top experts and speakers from across the financial sector. It also offers a valuable opportunity to learn from others’ experience and hear about industry best practices that work.

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What’s New in the AML Landscape?Senior compliance executives and risk managers from the financial services industry together with regulators discuss current issues and emerging trends in the fight against money laundering and terrorist financing.

Broker-dealers Anti-Money Laundering ComplianceBroker-dealers’ AML obligations continue to expand in order to comply with BSA and AML regulations and to meet regulatory expectations. The panel will discuss FinCEN’s proposed rule regarding beneficial ownership, regulatory expectations and common examination findings, FATCA, and Anti-Money Laundering specific examination priorities.

Correspondent BankingFourteen years have passed since Congress first identified correspondent banking as a gateway to money laundering into the U.S. Financial System. Since then, institutions of all sizes have been the subject of regulatory enforcement actions, and some institutions have also experienced record-setting penalties and are the subject of Deferred Prosecution Agreements, in many cases, related to activity in their correspondent accounts with foreign financial institutions. This panel will focus on correspondent account risks and trends in the following areas:

• De-risking products and customers in correspondent accounts • Risks associated with foreign and domestic correspondents • Affiliate risk and overcoming data sharing obstacles • Correspondent accounts in the brokerage context: the BBH Case • Recent OFAC regulations regarding the opening of correspondent accounts in Cuba

AML Technology – Is your institution using the right model?Technology has become a key component of any financial institution’s BSA/AML Program and subject to increased regulatory scrutiny. This panel will discuss the challenges of implementing an effective monitoring system and aligning it with regulatory expectations. Topics include model validation system administration and data integrity

De-Risking: The Erosion of the Risk Based ApproachThe onslaught of new regulations, increased regulatory scrutiny and enforcement actions has led financial institutions to exit certain business lines, geographies and clients. Has the risk-based approach been abandoned and replaced by the “moralization of banking”?

AML Global ExchangeThe international AML landscape continues to present challenges as money laundering schemes, trade-based money laundering, capital flight, tax evasion and sanctions programs evolve and mutate. How are governments and regulators keeping up with developing economic, political and technological events? What are the latest developments on the international regulatory front? International banks must keep aware not only of what is going on in their regions but also what is

taking place around the globe. This panel of bankers, regulators and experts from Latin American, Europe and Asia will discuss legal and regulatory developments in their regions and money laundering activity that they are observing, and discuss how these trends may impact banks in your part of the world. Topics discussed will include the following:

• What are the latest trends and developments in international money flows? • How are changes in the Mexican AML regime affecting neighboring countries? • How is the recent series of tax-based prosecutions affecting offshore financial centers? •What are countries doing to update their AML/CTF regimes in preparation for the fourth round of FATF mutual evaluations?

U.S. Foreign Corrupt Practices Act (FCPA)/Anti-Bribery and Corruption Global anti-bribery and corruption compliance standards are growing more complex. Banks and their customers operating in Latin America face enhanced anti-bribery and corruption compliance scrutiny from U.S. law enforcement, U.S. business partners and, increasingly, from local regulators. Banks in Latin America – especially those with a U.S. nexus – are expected to develop and implement a risk-based compliance program to mitigate bribery and corruption risk. On the panel, leading practitioners from the U.S., Brazil and Argentina will discuss the rapidly evolving international compliance standards in the anti-bribery and corruption space, and what they mean for banks and their clients. It will also discuss the potential additional compliance challenges posed by the new Brazilian anti-corruption statute.

Latest Developments in Trade Based Money Laundering: Geographic Targeting Orders (GTOs), and the Intersection of Fraud and Money LaunderingIn September 2014, when Homeland Security Investigations (HSI) announced it had uncovered the laundering of massive amounts of narcotics proceeds through Los Angeles’ garment industry, FinCEN responded by issuing a Geographic Targeting Order, imposing additional recordkeeping and reporting obligations on businesses. False documents expose participants in international trade to both fraud and money laundering risks. These hot issues will be addressed by representatives of HSI-Los Angeles and HIS-Miami, a special agent from the Office of the Inspector General at the Export-Import Bank of the United States, a prominent attorney who represents companies and financial institutions engaged in international trade, and the Chairman of the International Bankers Association of California.

Caribbean Regulatory Roundtable

Virtual Currencies – The Payment System of the Future or the Latest High-Tech Method of Money Laundering?Virtual currencies have been hailed as a more efficient and less

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costly method of payment to rival those currently offered by the financial services industry. The Mt. Gox and Silk Road cases have raised the spectre of their use for fraud, money laundering and other criminal activity. The panel will discuss their benefits, risks and future prospects.

The Regulatory Evolution in LATAM - Risk Stigma Weighing Over the Region (In Spanish)

The 10 SAR/STR Issues – The Year in Review

Ask The U.S. Regulators and Policy MakersWhat questions would you like answered by your federal, functional or local regulators? Learn what’s on your supervisors’ radar and pose your questions in this open, collaborative dialogue.

Sanctions Compliance In the aftermath of many high profile cases involving financial institu-tions this panel will discuss how penalties are applied and what are mitigating and aggravating factors for financial institutions including:

• How to minimize risks of sanctions violations • When should you block a transaction, terminate a relationship or look back to review previously processed transactions • The latest sanctions restrictions on Iran, Russia/Ukraine, EU, Canada, Cuba, and anticipated new sanctions for Venezuela, Syria, Libya, Sudan, Myanmar and Africa; when you should submit a voluntary disclosure

Personal Responsibility of AML OfficersIn the past two years we have seen increased attention to issues of personal regulatory and criminal liability for compliance officers. In some recent regulatory actions, compliance officers have been criti-cized, fined, fired, and even suspended from the industry by regula-tors. Is this fair accountability or a witch hunt? Will we see compli-ance officers charged criminally for compliance failures? Come hear current and former white collar prosecutors, defense attorneys, and industry experts debate this topic and describe current trends. If you are a compliance officer working in AML, ABC, or sanctions compli-ance, this is one panel you do not want to miss!

The Culture of Compliance – Do You Have the Right Stuff?In recent months FinCEN and the Office of the Comptroller of the Currency have issued advisories and guidance about the “Culture of Compliance”.

This is not a new concept, in fact, the FFIEC Examination Manual addresses this very issue as part of its core examination procedures. Developing a culture of compliance takes time, dedication, and com-mitment from board members, senior management, and employees at all levels; it requires accountability on compliance related behaviors. This panel will address some of the key elements of the “culture of compliance”:

1. The “tone at the top” per FinCEN Guidance to Financial Institutions2. Leadership engagement and risk awareness for the first line of defense3. Information and Communication throughout the Organization4. Leadership commitment on compliance investment and training

Customer Due Diligence and Beneficial Ownership: Regulatory Requirements vs. A Risk-Based Approach? What are financial institutions doing now to meet the regulators’ evolving expectations for Customer Due Diligence, Enhanced Due Diligence and Beneficial Ownership, and what, if anything, are they thinking about doing differently in light of the Treasury Department’s notice of proposed rulemaking and any final CDD rule? This panel will discuss the current approaches that financial institutions are taking to customer risk scoring and how risk scores are being used to deter-mine the appropriate level of due diligence, the frequency of periodic reviews, the measures that can be taken to manage the risks posed by high-risk customers, and the circumstances where a bank may decide that it is just too risky to do business with a customer. The panel also will discuss the proposed CDD rule, any final CDD rule, and the chal-lenges that financial institutions are likely to face in implementing any final rule.

Big Issues in Regulatory Exams – How Do You Face Them? How Do You Recover from Them?

The Evolution of the Compliance Officer’s Role and the Associated Risks (in Spanish)

Lessons to be Learned from Recent Enforcement Actions

FATCA & Global Automatic Tax Information ExchangeA panel discussion on the latest tax reporting compliance news for those charged with administering and maintaining a FATCA-compliant program as well as an update on ongoing global developments in the area of automatic tax information exchange. Panelists will address:

• US FATCA Update: Status of Intergovernmental Agreements (IGAs), Registration and GIINs • Due Diligence Obligations: Documenting pre-existing and new ac count holders in a post-FATCA world• Reporting obligations for 2015: Including new IRS Form 8966, FATCA Report required to be filed by certain FFIs and US •Global Efforts: UK FATCA, Multilateral FATCA Exchange, OECD Common Reporting Standard, a global standard for automatic ex wertgb345change of financial account information

The Implications of the Legalization of Marijuana and the Conflict between the FinCEN/DOJ Guidance and Federal Law

Nexus of Cyber Fraud & Money Laundering - Eurasian Hacker

15 Annual FIBA AML Compliance ConferenceStaying Alive: How to Survive the Regulatory Storm

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AML TRAINING COVENIENTLY SCHEDULED BEFORE THE CONFRENCE

Develop the risk profile of a financial institutionAnalyze the characteristics of a corporate customer and assign its risk rating; Identify risks and weaknesses so that internal controls can be put into place to prevent systemic failures that may lead to financial or reputational losses.

Highlights:The course is presented in an interactive classroom environment that requires group participation. As a workshop, each group will: Conduct an institutional risk assessment to establish the risk profile of a financial institution Determine the risk classification of a corporate client Conduct a real case study requiring dialogue, analysis, and verbal presentation by the participants.

Participants must bring a laptop computer for use during the event.

Exam/Certificate of Completion:Participants will be required to deliver a narrative summary of the case study immediately following the training to receive a certificate of course completion.

Continuing Education: Approved for 6 continuing education credits for professionals who have earned their FIBA AMLCA or FIBA CPAML Certification

Non- FIBA AML Confrence Attendee $595USDFIBA AML Confrence Attendee $495USDGovernment $495USD

AML/CFT Risk Assessment Certificate & Workshop (In English & Spanish) Wednesday, March 4 , 2015 from 9:00am – 5:00pm EST

Hyatt Regency Hotel - Miami, Florida

Primary Course Objectives:

Who Should Attend?AML/CFT Compliance personnel Audit personnelPersonnel dedicated to private banking and other client services Personnel in the commercial areaRegulators/supervisors of financial institutionsBanks, broker dealers, and other non-financial institutions.

Registration Fees

To register online visit www.fibatraining-register.net. Contact us by phone (305)579-0086 or email fibatraining@fiba.net.

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(305) 579-0086www.FIBAAML.com

C o n f e r e n c e R e g i s t r a t i o n F e e s :Early bird Regular Price

FIFA Member & FIBA Alumni (One Attendee)

FIFA Member & FIBA Alumni (Two to Five Attendees)

FIFA Member & FIBA Alumni (Six to Ten Attendees)

FIFA Member & FIBA Alumni (Ten or More Attendees)

Government

Banks in Latin America& the Caribbean

* Early Bird discount valid through January 15, 2015 *

$1,050 $1,270

$975 $1,200

$945 $1,150

$895 $1,100

$1,175 $1,350

$750 $800

VenueHyatt Regency Miami,

400 South East Second AvenueMiami, Florida, USA, 33131-2197

Hotel ReservationsFIBA has reserved a block of rooms for conference delegates at the Hyatt Regency Miami at a preferred rate of $239 per night (not inclusive of the 13% tax), single or double. Please contact the hotel in advance to receive the special rate, be sure to say you are attending the FIBA AML Conference. All rooms are subject to availability. To reserve your room(s) please call the hotel at 1 (888) 421-1442.

DisclaimerFIBA reserves the right, in its sole discretion, to limit or deny access to the conference to any entity or individual. FIBA reserves the right to change or replace speakers and/or presentation topics without notice. Conference participants are not permitted to promote any product, ser-vice or event except those expressly approved by FIBA.

3 Easy Ways to Register

1) Phone: (305) 579-00862) ONLINE : www.fibaaml.com3) EMAIL: grace@fiba.net

Continuing Education Credits

• FIBA AMLCA & FIBA CPAML Certifications *• Attorneys for the State of Alabama *• Attorneys for the State of Florida *• Attorneys for the State of Louisiana *• Attorneys for the State of Minnesota *• Attorneys for the State of New York *• Attorneys for the State of North Carolina *• Florida CPA’s *• National Association of State Boards Accountancy * • The Institute of Certified Bankers * *Applied for

Florida International Bankers Association (FIBA) is registered with the National Association of State Boards 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, Suite 700, Nashville, TN, 37219-2417. Website: www.nasba.org.

The Florida International Bankers Association (FIBA), Inc., is a non-profit trade association founded in 1979. Its membership includes some of the largest financial institutions in the world, including foreign and domestic banks from Europe, the U.S. and Latin America who are active in international trade and finance in our hemisphere.

FIBA has been at the forefront in the identification of and provisions of education and training in regards to AML Compliance issues that are particularly applicable to International Financial Institutions who engage in foreign correspondent banking, international private banking and trade financing transactions. These activities require institutions to be cognizant and well informed of the current U.S. and Global Regulatory environment impacting these high risk businesses that are particularly vulnerable to terrorist financing and money laundering.

As a leading trade organization focused on international banking and finance, FIBA frequently meets with regulators, submits comment letters and position papers, and is a respected voice in the industry.