Education Seminar

BSA/AML 2013
The Westin SFO (6/4) & Hyatt Regency Orange County (6/6)

Regulators have ramped up BSA/AML citations during the past year, a trend that is expected to continue through 2013.

Bankers are bracing for the start of more severe anti-money laundering exams as regulators rework their standards and prepare to issue another round of guidance tackling the issue. The agencies, notably the Office of the Comptroller of the Currency, are feeling the heat as lawmakers blame them for not doing enough to ensure institutions are following anti-laundering standards. Regulators are likely to make exams tougher for banks of all sizes, though officials have noted the most serious problems have arisen at the largest banks.

The agencies have put a renewed focus on forcing banks to know their customers’ entire banking relationship, as well as assess their existing and future risk. Just how much banks must know about their clients has been a source of contention for the past 12 years between banks and regulators, with some institutions arguing the agencies expect far too much. Banks failing to do the appropriate due diligence on a customer to comply with the Bank Secrecy Act could be symptomatic of broader compliance problems, including violation of consumer protection laws.

Most banks already have comprehensive systems in place to track suspicious activity. But knowing each customer and how to assess individual risk is more dependent on human judgment, and cannot be easily outsourced to a support system. Some observers said banks may have to improve their training of personnel to look deeper for potential violations.

Program Objectives

Examiners and industry experts will discuss their approaches to BSA compliance in the current environment, and look at the implications of ongoing changes. We will focus on the practical in this session, giving you specific advice, examples, tools and best practices that you can apply back at your bank to better:

  • Understand what’s new and evolving in the regulations
  • Identify what examiners are focusing on and their expectations
  • Practice the compliance fundamentals
  • Describe the appropriate due diligence on a customer to comply with the Bank Secrecy Act
  • Determine how to oversee third-party payment processor relationships and related products and services in a manner commensurate with associated risks
  • Describe trends in enforcement and the consequences of non-compliance
  • Understand the big picture including the implications of mortgage fraud, tax evasion, risk assessment and corruption


The session will run from 8:30 to 3:30, with breakfast provided at 7:30.


Strengthening Your Compliance Program
Things are not what they were pre-crisis and there is a need to look again at the bank, your own career, and make an inventory or gap analysis: who are we, where are we going, and how will we get there?

Challenges, issues, and questions you want answered today!

Regulatory Agency Priorities
The OCC & FDIC will discuss their key areas of focus and the issues they see in these areas.


Refreshing Your Compliance Program: 4 Common Issues

  • Your Risk Profile
  • Adequate Resources
  • Systems/Technology
  • Audit Issues


Technology and BSA/AML

How do we get from here to there?

  • A banker’s perspective about overcoming really difficult professional and personal challenges
  • Governance/legal recommendations
  • Training recommendations
  • BOD recommendations
  • Software/systems
  • Policies, procedures, desktop manuals
  • Risk assessments
  • Learning how to manage

2:00 Break

How do we get from here to there?

Key Priorities & Takeaways
What are your key learning’s from the day and what do you plan to do next.

3:30 End of Seminar


  • BSA/AML Officers
  • Compliance Officers and Managers
  • Risk Managers
  • Operations Managers
  • Internal Auditors
  • General Counsel
  • Senior Bank Managers
  • Directors 

Scheduled Speakers 

The seminar will be presented by a faculty of consultants and regulators who will offer a wealth of experience in BSA and anti-money laundering.  To date they include:

Melissa O. Young, Senior Risk Management Examiner, FDIC
Alisabeth Lindley, Western District Lead Compliance Expert,  OCC
Tom Jorn, Field Office Assistant Deputy Comptrollers, OCC (Northern CA)
Steve VanderWal, Field Office Assistant Deputy Comptrollers, OCC (Southern CA)
Delayne Townzen, VP/BSA Officer, Sunwest Bank
Daniel Wheeler, Partner, Bryan Cave, LLP (Southern CA)
John ReVeal, Partner, Bryan Cave, LLP (Northern CA)
Charles Grice, Consultant, CRI Consulting, New York
Brendan Brothers, Co-Founder, Verafin

Registration Fees

Early Bird Registration through Monday, May 6, 2013
CBA Member: $345
Non-Member: $595

Regular Registration
CBA Member: $445
Non-Member: $695

Cancellation & Complaint Policy:
Substitutions are allowed, at no additional cost. Written notice is required for all cancellations. The full registration fee will be refunded if the written request is received by Friday May 17, 2013, and 50 percent if by Monday May 27, 2013. There will be no refunds after May 27. Registrations made after May 27 are not subject to refund. 

Complaints regarding this program should be directed to John Lingvall, VP & Director of Education, at (916) 438-4428.

Location Information 

Tuesday, June 4, 2013

The Westin San Francisco Airport
1 Old Bayshore Highway
Milbrae, CA 94030
(650) 692-3500

CBA has arranged a special rate of $165/night.  Please contact the hotel and reference the California Bankers Association to reserve.  
For transportation to and from the hotel, click here for detailed information.

CBA will host daily self parking.

Thursday, June 6, 2013

Hyatt Regency Orange County
11999 Harbor Blvd.
Garden Grove, CA 92940
(714) 750-1234

CBA has arranged a special rate of $139/night.  Please call (888) 421-1442 or click by May 15, 2013 to reserve.  

CBA will host daily self parking.

Credit Information

Program Level: Update for all levels

Prerequisite: None

Advance Preparation: None

Method of Presentation: Group – Live (Lecture, Discussion, and Table Exercises)

Recommended CPE Credits: 6.0 Hours Maximum
(Estimated 2.0 Auditing, and 4.0 Specialized Knowledge and Applications)
Sponsored learning activities are measured by program length, with one 50-minute period equal to one CPE credit.  One-half CPE credit increments (equal to 25 minutes) are permitted after the first credit has been earned in a given learning activity.  Please note that not all state boards have adopted this rule.  Some participants may not be able to use one-half credit increments.

Association of Certified Anti-Money Laundering Specialist 
The Association of Certified Anti-Money Laundering Specialist ® (ACAMS) has agreed that the California Bankers Association BSA/AML Compliance 2013 meets their certification requirements. Members of the ACAMS have the opportunity to earn a total of six (6) CAMS CE credits. For more information please visit or contact

The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry.  BSA/AML 2013 has been approved for  5.75 CFSSP, 5.75 CRCM credits. This statement should not be viewed as an endorsement of this program or its sponsor. To report these credits, ICB members should visit We do not accept credit submissions from training providers on behalf of members.


Are Institute of Certified Bankers continuing professional education credits offered for this program?

Yes.  In addition to the NASBA CPE credits, the Institute of Certified Bankers is certifying this program for credits toward their CRCM designation, as is the The Association of Certified Anti-Money Laundering Specialist.