ACAMS Chicago Chapter May 2026 Anti Financial Crime Symposium: Strengthening Chicago’s Financial Crime Prevention

Stuart Brock is the founder of iKinetiq Innovation Solutions, a boutique regulatory consulting firm helping Community Banks strengthen compliance programs, manage regulatory risk, and prepare for the demands of federal bank supervision. Stuart brings more than 30 years of experience in financial services regulation, compliance, and risk management. His background includes federal bank regulatory experience across OCC, FRB, and FDIC supervision frameworks. He has held executive legal and compliance roles at a global financial institution, where he led enterprise compliance governance, remediation programs, post-acquisition compliance integration, and third-party risk governance, after nearly a decade in private practice at an AmLaw 100 firm. At iKinetiq, Stuart works directly with BSA/AML officers, Chief Compliance Officers, and Chief Risk Officers at Community Banks to build defensible compliance programs, close governance gaps, and navigate regulatory examinations with confidence. Stuart earned his J.D. with honors from North Carolina Central University School of Law and his undergraduate degree with honors from Wake Forest University.

B.J. Moravek is a Principal - AML & Sanctions Compliance - for Kaufman Rossin, P.A. in New York City, where he applies his expertise to assist clients with complex Bank Secrecy Act and Anti-Money Laundering (BSA/AML) and Sanctions compliance and investigative matters. B.J. directs BSA/AML and Sanctions consulting engagements including enforcement action remediation, transaction look-backs, risk assessments, independent testing of compliance, model validations and system’s calibrations and optimizations. He brings over 40 years of experience in banking, regulatory compliance, and financial crimes investigation. He is a federally designated expert in the BSA and has testified as such in U.S. Federal District Court proceedings and before the U.S. Senate Banking Committee. He most recently served as a Senior Bank Examiner with the Office of the Comptroller of the Currency (OCC) in Washington, D.C. specializing in BSA/AML and Sanctions compliance. 

Prior to that, B.J. served as a Senior Special Agent within the Office of Enforcement at the Financial Crimes Enforcement Network (FinCEN). He completed a twenty-year career as a Supervisory Special Agent with the U.S. Secret Service and served as a Senior Advisor to U.S. Senator Alfonse D’Amato, Chairman of the Senate Banking Committee. Additionally, he has served as a BSA/AML/Sanctions Compliance Officer for several large complex multi-national financial institutions during his career. He earned a bachelor’s degree in the Administration of Justice from Moravian University and is a Certified Global Sanctions Specialist (CGSS), a Certified Crypto Asset Specialist (CCAS) and a Certified Anti-Money Laundering Specialist (CAMS).

Francis is a Director at Matrix-IFS with over a decade of expertise in Anti-Money Laundering (AML), Know Your Customer (KYC), and Sanctions compliance across various regulatory frameworks. He specializes in the development and implementation of policies and procedures, risk assessments, model validation, and threshold tuning and optimization. Additionally, he has a proven track record in remediation initiatives, designing target operating models, and establishing robust internal control programs to enhance regulatory compliance and mitigate financial crime risks effectively.

Dennus Bishop is a Special Agent in Charge for the USPS OIG, where he oversees special agents and supervisors in 13 states.  Dennus began his investigative career in May 2000 with the Lutheran Social Services of Illinois where he performed overall assessments of prospective foster homes for juveniles in the Illinois Child Welfare System. In 2004, Dennus transitioned to Illinois Department of Children and Family Services where he investigated reports of alleged physical and sexual child abuse and later supervised investigators. In 2010, Dennus was hired as a Special Agent with the United States Secret Service. While at the Secret Service Dennus investigated a multitude of financial crimes throughout the Midwest region.  He also provided physical protection to the nation’s leaders and leaders abroad. In 2016 Dennus transferred to USPS OIG as a special agent and has since held numerous supervisor roles.  In these roles, Dennus has led and supervised investigations in a multitude of financial fraud schemes, mail theft, narcotics, and healthcare fraud. 

Dennus holds a bachelor’s degree in psychology from Trinity Christian College and a master’s degree in social work from the University of Illinois at Chicago.

Paige Bonham is the BSA Manager at Alloya Corporate Financial Credit Union (Alloya), which provides support and member solutions to over 1,300 credit unions. She oversees the development and management of Alloya’s BSA and OFAC functions across various business lines, ensuring that the BSA team meets SLAs accurately and promptly. Paige also acts as a final authority for OFAC and BSA escalations and guidance.

Paige joined Alloya’s BSA Department in 2024, bringing over a decade of banking industry experience, with more than eight years specifically in BSA roles. After college, she held various retail banking positions before specializing in BSA and Fraud. Throughout her career at multiple financial institutions, Paige has managed sound BSA and OFAC programs, including SAR editing, OFAC escalations, merger and acquisition due diligence, board reporting, audit and exam participation, and training. She leverages her leadership skills to develop a strong and confident team, fostering their professional growth.

In her free time, Paige enjoys learning, exploring new places like a local, and reading. She is also dedicated to philanthropy, donating, and volunteering at her local library and women’s shelters. Paige became a Certified Anti-Money Laundering Specialist through the Association of Certified Anti-Money Laundering Specialists in 2020.

Michael Carroll graduated from the University of Western Illinois with a bachelor’s degree in criminal justice. Mike is a retired Postal Inspector after serving 29 years with the US Postal Inspection Service. Mike is proud to say he returned to the Inspection Service as a Contractor/Analyst with the Chicago Division Mail Theft Team. Mike spent most of his career investigating financial crimes including identity theft, mail theft, credit card fraud, and scams involving US Mail. Mike has also made numerous presentations on these subjects to Law Enforcement, Financial Crimes Investigators, and Community Groups.

Mike is also an instructor at the Homeland Security Training Institute at the College of DuPage in Glen Ellyn. Mike is an instructor to Law Enforcement and Financial Crimes Investigators on subject matter relating to Financial Crimes and Elder Exploitation. Mike has been a member of the International Association of Financial Crimes Investigators (IAFCI) for over 29 years. Mike was the International President from 2020 through 2023 and is currently the Chairman of the Board for the IAFCI. Mike is a Certified Financial Crimes Investigator (CFCI) and Mike is also cohost of the “IAFCI Presents…The Protectors” Podcast.

Todd M. Di Carlo is a highly experienced federal law enforcement leader with over 30 years in policing and more than two and a half decades investigating complex financial crimes. As the Assistant to the Special Agent in Charge at the U.S. Secret Service Chicago Field Office, Di Carlo currently oversees both the Financial Crimes Squad and the Internet Crimes Against Children (ICAC) Task Force. His work focuses on combatting a wide array of criminal threats, including embezzlement, wire fraud, bank fraud, loan fraud, check fraud, money laundering, identity theft, counterfeit currency, SAR/CTR violations, and crimes involving the exploitation of children.

He is at the forefront of efforts to create multi-jurisdictional financial crimes task forces that integrate local, state, and federal resources to enhance investigative capabilities and drive impactful prosecutions. Known for his strategic vision and ability to build effective partnerships, Di Carlo maintains strong working relationships with prosecutors, law enforcement leaders, and private-sector financial stakeholders across multiple jurisdictions.

Throughout his career, Di Carlo has trained and mentored dozens of special agents and task force officers and led cross-functional investigative teams.  He is also a contributing member of the U.S. Secret Service Strategic Review Group and the Criminal Investigative Working Group, shaping the agency’s investigative and operational policies.

Di Carlo holds a Bachelor of Science in Criminal Justice from Governors State University and is completing a master’s in criminal justice and public administration from Penn State. He is an active member of the International Association of Chiefs of Police, International Association of Financial Crimes Investigators, International Association of Auto Theft Investigators, National Tactical Officer Association, and Illinois Tactical Officer Association.

Tara is a Senior Vice President and the Global Head of Financial Crime Compliance at Northern Trust. She is responsible for overseeing anti-money laundering (AML), counter-terrorist financing, economic sanctions, anti-bribery and corruption, ethics and tax compliance across Northern Trust’s businesses in North America, Europe, the Middle East and the Asia Pacific region.

Prior to joining Northern Trust, Tara was the Bank Secrecy Act Officer for People’s United Bank. She previously served as the AML Officer for the asset management, insurance and annuities, brokerage, trust, and investment advisory businesses of Ameriprise Financial. Preceding her work at Ameriprise, Tara oversaw financial intelligence, surveillance, investigations and suspicious activity reporting for RBC’s retail and institutional broker dealers. While at RBC, Tara worked closely with the SEC and FINRA on low priced securities fraud and market manipulation. She started her career with Barclays Private Bank in New York where she focused on credit operations and foreign currency lending.

Tara has 25 years of experience in the financial sector with a deep understanding of complex regulatory requirements, financial crime and multifaceted investigations. She has been recognized by the United States Department of Justice for her work on suspicious activity reporting.

Tara is a graduate of the University of Minnesota, where she earned her Bachelor of Science degree with double major in Business and Industry Education and Spanish, along with a minor in Speech Communications. She attended the Securities Industry Institute at the Wharton School of the University of Pennsylvania. Tara is a Certified Anti-Money Laundering Specialist, a licensed General Securities Representative, and licensed General Securities Principal (Series 7, 24 and 66). She is a member of the Securities Industry and Financial Markets Association AML and Financial Crimes Committee, the Bank Policy Institute’s AML and Economic Sanctions Executive Forums, and the Customer Advisory Board of NICE Actimize. Tara is a Leadership Greater Chicago Fellow and a member of the Leadership Fellows Association Board of Directors.

Jenny Eliopoulos is a financial crime and risk management executive with deep expertise in anti-money laundering (AML), customer due diligence (CDD), financial crime screening, financial intelligence, transaction monitoring, and complex investigations across the financial services industry.

Jenny serves as Senior Vice President and Head of Financial Intelligence at Northern Trust, where she leads enterprise AML/CFT strategy, transaction monitoring, law-enforcement engagement, and high-risk investigations. In this role, she oversees critical financial intelligence functions designed to detect, investigate, and mitigate financial crime risk while ensuring strong regulatory compliance.

Prior to her current role, Jenny held several senior leadership positions at Northern Trust, including Global Head of CDD, Analytics and Technology, where she led global initiatives to modernize due diligence programs and leverage advanced analytics and technology to strengthen financial crime controls. She also served as a Regulatory Compliance Audit Manager, providing independent oversight and assurance over risk and compliance programs.

Earlier in her career, Jenny advised leading global financial institutions as part of the Financial Services Advisory Practice at Ernst & Young. In this role, she led client engagements focused on integrated risk management, regulatory change, enterprise risk management, and compliance transformation. Her advisory experience also included supporting major strategic initiatives such as M&A transitions, IPO readiness, and large-scale technology transformations.

Jenny holds the Certified Anti-Money Laundering Specialist (CAMS) credential and earned a Master of Business Administration in Information Systems from the Kellstadt Graduate School of Business at DePaul University. She also holds a Bachelor of Science in Finance from DePaul University.

Katie Franklin, VP BSA/OFAC Officer, is responsible for enterprise-wide suspicious activity monitoring functions for Wintrust Financial Corporation, a $70 billion holding company for 16 separately chartered banks and seven non-bank subsidiaries. As a seasoned BSA/AML/OFAC professional, Katie brings more than two decades of experience leading enterprise-wide compliance programs through periods of rapid growth and regulatory change. Throughout her career, she has built and led high-performing teams, guided large-scale program transformations, and partnered with regulators to maintain a strong culture of compliance. She is passionate about mentoring future compliance leaders, driving innovation, and creating resilient frameworks that balance growth with sound risk management.

Jeff Johnston joined the FBI in September 2021 as a forensic accountant.  He works a variety of violations including white collar financial crime, public corruption, violent crime, counterterrorism, counterintelligence, cyber, and crimes involving cryptocurrency. Jeff regularly conducts training and outreach to internal and external partners on banking and cryptocurrency topics, and serves as a liaison to the private sector on behalf of the FBI.  

Prior to the FBI, he spent 16 years in AML Compliance roles at major banks, the last of which was as Head of Northern Trust’s Financial Intelligence Unit, where he led Northern’s AML transaction monitoring, investigations, and suspicious activity reporting processes.

Larry Massen serves as the Director of AML Integrity within the Financial Crimes Risk Management department at Charles Schwab & Company, working out of Chicago. His team investigates market manipulation in the stock market,  along with securities deposit fraud schemes. Now in his eighteenth year at Schwab, Larry previously held financial crime roles at Peak6 here in Chicago and Apex Clearing Corporation in Dallas, Texas. Before transitioning into financial crimes, he spent nine years working in the United States Senate in Washington, D.C. Larry earned a Bachelor’s Degree in Political Science from the University of Wisconsin-Madison and a Law Degree from American University’s Washington College of Law.

Katherine May is a financial crime risk leader with more than 15 years of experience across BSA/AML, sanctions, fraud, and enterprise risk management within U.S. and global financial institutions. She currently serves as BSA AML and Fraud Risk Policy Manager at Byline Bank, where she leads risk assessments, policy governance, and change management for BSA/AML, OFAC, and fraud risks.  She brings a risk‑based, data‑driven perspective to financial crime compliance, incorporating data mining, scenario analysis, and risk indicators to identify emerging financial crime trends and align control frameworks. She is a U.S. Army veteran, and holds the CAMS, CGSS, CCAS, and CAFS designations.

Mandy Ramlow is a financial services professional with over 30 years of banking experience, of which the majority have been spent in the AML and the Compliance field. She currently serves as the US Chief Anti-Money Laundering Officer at BMO. Mandy has the responsibility for US AML functions which include governance, regulatory affairs, watchlist screening, risk assessments, transaction monitoring, EDD/CDD/KYC collection, high risk client management, client de-markets, SAR/CTR filing, and AML data and systems management.

Before the US CAMLO role, Mandy was most recently the BMO Head of AML Systems, Data, Innovation, and Operations. Prior to managing the AML technology teams Mandy was the BMO Head of the North American Financial Investigations Unit (FIU) for AML where she was responsible for the combined operational FIU units across North America including the supervision of all AML regulatory filings. Mandy played an integral role in integrating BMOs fraud and AML regulatory reporting workflows in addition to applying automation such as robotics and machine learning across the FIU functions.

Mandy began her banking career at the Commonwealth Bank of Australia, in Sydney Australia, prior to moving to the United States. Following her move to the United States, Mandy held progressively more senior roles at Marshall and Ilsley Bank (M&I Bank) including in the branches and compliance before joining AML in 2004. She held key roles supporting the BMO and M&I integration activity and managed several different Financial Intelligence Unit (FIU) teams before taking on the role of U.S. AML FIU Director in February 2014, and subsequently the Managing Director of the AML North American FIU overseeing the U.S and Canadian jurisdictions in 2019. Mandy is a thought and process leader and an active industry participant, including holding positions on several advisory groups that share, educate and advance AML best practices.

Mandy received a Bachelor of Arts from the University of Wisconsin and completed her MBA in September 2022. Mandy has been CAMs certified since 2008. She enjoys spending time with her husband and daughter while enjoying concerts and outdoor activities at the lake with her two dogs.

Geoffrey Scott is a financial services risk management leader with experience across consumer compliance AML compliance, fraud risk and data governance. He has worked at the intersection of banking, payments, and fintech, helping organizations design and operate risk frameworks that meet regulatory expectations while enabling responsible growth. Geoffrey brings a practical, execution-focused approach to AML & compliance programs, specializing in culture-building, transaction monitoring, customer due diligence, and third-party risk oversight. He is recognized for translating complex regulatory requirements into scalable controls that strengthen financial integrity and consumer trust. Geoffrey holds an MBA and regularly engages on evolving risk issues facing banks and data-driven financial institutions.

Delena D. Spann currently serves with the U.S. Secret Service on the Cyber Fraud Task Force, where she specializes in complex financial crimes and fraud investigations. She earned her Bachelor’s Degree in Liberal Studies and a Paralegal Certification (Legal Studies) from Barry University, and completed her Masters Degree in Criminal Justice Administration at Florida International University. She has also completed an executive-level certification in Illicit Finance from George Mason University. Her professional credentials also include multiple certifications in fraud, and financial crime investigation.

Delena is the author of Fraud Analytics: Strategies and Methods for Detection and Prevention (Wiley, 2013), co-author of Internet Fraud Casebook: The World Wide Web of Deceit (Wiley, 2010), and contributor to CASH IS KING! (Practising Law Institute). She serves as Executive Producer and Creator of the TED-Ed animated video How Does Money Laundering Work? which has garnered over 6.5 million views.

Her writing has appeared in prominent publications such as ACAMS Today Magazine, Fraud Magazine, The Huffington Post, KYC360, and Fraud of the Day by LexisNexis Risk Solutions. 

In March 2025, Delena was honored with the Anti-Financial Crime (AFC) Woman of the Year Award by the Coalition Against Financial Crime (CAFC). She has been a featured panelist and speaker at several ACAMS events (e. g. ACAMS Law Enforcement Seminar, ACAMS AML & Financial Crime Conference, etc.) and also serves as a Task Force Member for the ACAMS Assembly Vegas Conference.

In addition to her federal law enforcement career, Delena teaches courses on anti-money laundering and illicit finance at both college and university levels, bringing firsthand experience and practical insight into the classroom.