Annual Conference Home 2004 Conference Photos MONEY TRANSMITTER REGULATORS ASSOCIATION CONFERENCE PROGRAM September 13-15, 2004 Denver, Colorado SUNDAY, September 12 2:00 4:00 p.m. Board of Directors Meeting 5:00 8:00 p.m. Registration (Registration Desk will be open throughout all days/hours of the meeting) MONDAY, September 13 7:30 a.m. Registration open for the day 7:30-8:30 a.m. Morning Hospitality 8:30-9:30 a.m. MTRA Business Meeting ( Members Only ) 9:30-10:30 a.m. Roundtable Discussion ( Members Only ) 10:30-10:45 a.m. Morning Break 10:45 a.m. - 12 noon Roundtable Discussion, Continued ( Members Only ) 12 noon - 1:30 p.m. Lunch on Your Own 1:30 p.m. - 5:30 p.m. Regulators School "Focusing on BSA Compliance and Agent Monitoring" This seminar for regulators will provide useful information from the perspective of industry about what to look for when examining BSA/AML compliance programs and will also cover agent monitoring. Presenters will include individuals employed in industry as well individuals who provide legal and consulting services to industry. Humberto "Bert" R. Gonzalez, III, moderator Examiner, Special Audits Division Texas Department of Banking Austin, TX Oscar A. Herasme, Esq. Executive Director National Money Transmitters Assn Union City, NJ Juan Llanos AML Compliance Officer Remesas Quisqueyana, Inc. New York, NY Ronald Schwartzman, Esq. General Counsel and Director of Legal Affairs
Servicio Uniteller, Inc. Rochelle Park, NJ Carol Van Cleef, Esq. Katten Muchin Zavis Rosenman Rodger Zepka CEO & President Envios R. D. /Pronto Envios New York, NY 1:30-4:30 p.m. Industry Only Meetings Jorge Guerrero, Esq. Chief Compliance Officer Vigo Remittance Corp. Sunrise, FL Ezra C. Levine, Esq., Co-chair Howrey Simon Arnold & White Washington DC 6:00 p.m. - 7:30 p.m. Opening Reception All Attendees TUESDAY, September 14 7:30 a.m. - 8:30 a.m. Morning Hospitality Underwritten by the National Money Transmitter Association 8:30 a.m. - 9:00 a.m. Welcome and Opening Remarks Richard Fulkerson Commissioner Colorado Division of Banking Denver, CO J. Philip Goddard President MTRA Board of Directors Deputy Director and Chief Counsel Department of Financial Institutions Indianapolis, IN 9:00-9:45 a.m. Keynote Presentation "Global Money Transfer Trends - - An Insider's Perspective" Bringing a global industry perspective, Ms. Gold will address the drivers behind the domestic and international money transfer business and the important strategic opportunities and issues her company and the industry are facing today. Christina Gold
President Western Union Financial Services, Inc. Senior Executive Vice President First Data Corporation Greenwood Village, CO 9:45-10:45 a.m. "Money Laundering Investigative Steps" This session will focus on how to follow the money and catch the crook! Examples of money laundering investigations will be shared (with names changed to protect the innocent!) Ralph M. Fatigate Associate Director Protiviti New York, NY 10:45 a.m. - 11:00 a.m. Morning Break 11:00 a.m. - 12 Noon "Regulation and Supervision of MTBs in the Absence of a Central Government: The Challenges and Successes of the Remittance Sector in Somalia" Somali MTBs provide the largest infusion of hard currency, subsistence income to over 23% of the population and the only means of trade facilitation and investment. In short, the Somali MTBs are critical to the prevention of a humanitarian crisis and to the continued growth of the private sector in this war-torn country. Abdusalam Omer Programme Manager, Governance & Financial Services United Nations Program Somalia 12:15-1:45 p.m. Luncheon Presentation "Developing a Comic Vision" Come hear some outrageous stories and see some unusual props and gain a fresh perspective on work and life through the principles of laughter. Discover how to harness humor to instantly reduce stress and renew your spirits throughout the day. Tim Gard, CSP Motivational speaker, trainer, humor philosopher Comic Visions Denver, CO Luncheon presentation underwritten by Western Union Financial Services, Inc. 2:00-3:00 p.m. "Importance of the Independent Audit of an Anti-Money Laundering Program" Among other things, the USA Patriot Act Section 352 and
implementing BSA regulations require MSBs to maintain a 4-point anti-money laundering program. One of these critical 4 points is an independent audit or testing of the compliance and AML program. This panel will address key elements of a sound independent audit and the benefits to both the MSB and the servicing financial institutions. Michael R. McDonald, moderator Consultant Miami, Florida Oscar A. Herasme, Esq. President and General Counsel External Compliance Officer, Inc. Union City, NJ Katherine L. Johnson, CAMS Associate Managing Director, Financial Services & Anti-Money Laundering Group Kroll Associates, Inc. Latin America & the Caribbean Miami, FL 3:00 4:00 p.m. "CashPoint: the Anatomy of a Failure" This session will focus on the unique aspects of the bill payment industry, as well as issues of broader implications for money transmitter regulators in the age of new technologies. Issues facing consumers, regulators, and billers will be discussed! Carol Van Cleef, Esq., moderator Katten Muchin Zavis Rosenman Andrea Balough General Counsel American Payment Systems, Inc. 4:00 p.m. - 4:15 p.m. Afternoon Break 4:15-5:15 p.m. FinCEN Presentation James Keiser Administrator, Non-Depository Institutions Bureau of Supervision & Enforcement Department of Banking, Commonwealth of PA Harrisburg, PA William J. Fox Director Financial Crimes Enforcement Network Department of the Treasury
WEDNESDAY, September 15 8:00 a.m. - 8:45 a.m. Morning Hospitality 8:45 9:15 a.m. "Working in ship with the States" We will be discussing the template that will be used to work in partnership with the states for compliance with the Bank Secrecy Act Maureen Sanders National Program Manager, AML Program, Small Business Self-employed Division Internal Revenue Service 9:15-10:00 a.m. "Legislative Challenges for the Future" Federal developments, new state legislation and regulatory challenges will be discussed. Ezra C. Levine, Esq. Howrey Simon Arnold & White Washington DC 10:00: 10:30 a.m. "Joint Examination Process Report" This will be a report of the progress made by the members working on the Joint Exam process Humberto "Bert" R. Gonzalez, III, moderator Financial Examiner, Special Audits Div. Texas Department of Banking Austin, TX John Bishop Senior Administrator Ohio Division of Financial Institutions Columbus, OH Julio Prada Financial Institutions Manager California Dept of Financial Institutions San Francisco, CA 10:30 a.m. - 10:45 a.m. Morning Break 10:45-11:30 a.m. Presentation by FinCEN The focus of this presentation will be regulations, compliance and guidance. William D. Langford, Jr. Associate Director Regulatory Policy, Programs and Enforcement Financial Crimes Enforcement Network Department of the Treasury
11:30 a.m. Closing Remarks J. Philip Goddard President MTRA Board of Directors Deputy Director and Chief Counsel Department of Financial Institutions Indianapolis, IN Top of Page