Announcements

2015

Chartwell Continues to Grow with Former BBVA Bancomer USA General Counsel; ADP Compliance and Licensing Professional; Blackhawk Network Licensing Expert; and JPay Compliance Officer

Chartwell Compliance is pleased to announce the new full-time additions of:

Ernest Garcia, Deputy General Counsel

  • Previously served as VP/Legal, General Counsel and Corporate Secretary of BBVA Bancomer USA, BBVA Bancomer Foreign Exchange and Bancomer Transfer Services.
  • Direct experience applying for and maintaining all 50 state money transmitter licenses.
  • Experience with conducting data mining, look backs, and conducting internal investigations related to suspicious and fraudulent activity, having worked closely with past-FinCEN Director James H. Fries on multiple occasions related to such matters.

Jennifer Naudin, Senior Compliance Professional

  • Former Compliance Analyst for ADP, Inc.
  • Managed all the state money transmitter licenses in 49 states for ADP and assisted in managing the AML/BSA training for all associates.
  • Served as the single point of contact for state specific compliance audits and provided legal guidance for AML training and money transmitter licensing.

Cris Fernandes, Senior Compliance Professional

  • Worked in Blackhawk Network’s Legal Department where she was involved in obtaining Blackhawk’s 46-states, plus the District of Columbia and Puerto Rico money transmitter licenses.
  • Reviewed pending money services legislation, produced money services researches, and prepared state exams, while working on ongoing reporting and communications with regulators.

Christian Coupet, CAMS, Senior Compliance Professional

  • Former Compliance Officer with JPay.
  • Experience securing and maintaining nationwide license portfolio for a start up money transmitter; also served as the BSA/AML Compliance officer.
  • Capabilities include leading state and multi-state examinations, as well as conducting due diligence audits for international agents and branches in the U.S., Canada and the Caribbean.

Chartwell Congratulates Lily Sayers for Her Recent Promotion to Operations Director

 

Chartwell Executives Spend Two Weeks in Normandy for Leadership Training

Chartwell executives are on their way back from their annual leadership training, which took place in Normandy, France. While traveling throughout the region, the team toured the D-Day landing beaches and learned about the Normandy campaign of WWII.

The leadership team spent two weeks undergoing various leadership exercises, receiving external mentorship and taking part in meetings and workshops developed solely to improve their managerial and leadership skills and provide the right tools to better lead the company as a whole.

Chartwell Named Finalist for the 2015 Helios Apollo HR Award

Chartwell Compliance has been named a finalist for the Helios Apollo Awards. Chartwell is one of 26 finalists overall and one of 5 finalists in the Ena (1-50 employees) category. Selected from a pool of nearly 200 nominations, the finalists represent organizations based in the Washington, DC metropolitan area that promote employee development as part of their culture.

If you thrive in a fast-paced, entrepreneurial environment with upward mobility, please view job openings on our careers page at www.chartwellcompliance.com and send your cover letter and resume to: careers@chartwellcompliance.com

Chartwell Team Grows with MSB Regulator and 27-year First Data Veteran; Steve Hagar Promoted to President; and Company is Finalist for Helios HR Award

 Chartwell Compliance is pleased to announce the new full-time additions of:

Luis Trujillo, CAMS, Compliance Director

  • Specializes in federal BSA/AML compliance, state regulatory compliance and financial safety and soundness.
  • Served as Money Transmitter Licensing Manager and Financial Examiner at the North Carolina Office of the Commissioner of Banks.
  • Led and assisted joint multi-state examinations organized by the For the Money Transmitter Regulators Association (MTRA).

Elaine Burks, Director of Business Development

  • Specializes in prepaid marketing solutions, electronic check conversion and ACH payments.
  • Performed business development in strategic markets within the U.S.A. and around the world, and provided leadership in overall sales and account management activities.
  • 27-year veteran of the financial services industry.
  • Represented the USA in the 1982 Olympic Summer Sports Festival in Bolivia, South America.

Luis Trujillo, CAMS, Compliance Director

Luis Trujillo is an accounting and regulatory professional who specializes in the areas of federal BSA/AML compliance, state regulatory compliance and financial safety and soundness. At Chartwell, Luis supports our projects in all of these areas. His career is highlighted by his role as Money Transmitter Licensing Manager and Financial Examiner at the North Carolina Office of the Commissioner of Banks. In this capacity, Luis was dedicated specifically to the money transmitter industry and was an active member of the Money Transmitter Regulators Association (“MTRA”). He led and assisted joint multi-state examinations organized by the MTRA, served on the MTRA State Licensing Committee, and served in a regional Anti-Money Laundering Task-Force as a representative of the North Carolina Office of the Commissioner of Banks. Luis has experience working as a regulator and consultant with companies involved in any of the following industry areas: money remittance, prepaid access, stored value, virtual currencies, e-commerce payments, corporate foreign exchange and issuance of payment instruments. He has training and experience working with the growing Information Technology, Information Security and Disaster Recovery / Business Continuity Contingency Planning regulations for money services businesses.

Luis graduated with honors as a Bachelor of Business Administration in Accounting from South University and is a Certified Anti-Money Laundering Specialist. He is a CPA candidate and expects to complete the Master of Science in Accountancy program from the University of Phoenix in July 2015. Coming from an immigrant background, he holds dearly the services provided by many of our clients to the underserved or underbanked.

Outside of work, his time is strictly dedicated to his family and enjoys travelling and experiencing new cultures, hiking, cooking, and extreme sports. He is also a big sports fan and animal lover.

Elaine Burks, Director of Business Development

Elaine Burksis a 27-year veteran of the financial services industry, specializing in prepaid marketing solutions, electronic check conversion and ACH payments.
Her primary responsibilities include business development in strategic markets within the U.S. and around the world, as well as providing leadership in overall sales and account management activities.

During her career, Elaine has led teams of account and relationship managers, data analysts and sales representatives, and supported national clients and financial institutions. She also led a global team dedicated to Wal-Mart, Inc. for nine years responsible for new sales and account management for ACH and prepaid solutions.

Elaine attended Stephen F. Austin State University, earning her B.B.A. in Marketing with expanded studies in Computer Science. Landing her first job out of college with TeleCheck, later acquired by First Data, she earned five sales awards for new revenue generation at TeleCheck, and received First Data’s prestigious Sales Person of the Year award in 2008. She was honored twice for operational achievements in China by First Data and recognized multiple years by Wal-Mart, Inc. Finance Treasury for outstanding achievements in customer service, innovation and electronic payments.

Elaine represented the USA in the 1982 Olympic Summer Sports Festival in Bolivia, South America. She proudly wore the country’s uniform participating in women’s basketball and enjoys coaching young girls today. She and her husband have three children and as a family, they enjoy all sports, a wide range of music and long vacations at the beach.

Chartwell would like to congratulate the following employees on their promotions:

Chief Operating Steve Hagar has been promoted to President of Chartwell Compliance. Steve is a skilled architect of partner relationships with over 25 years of frontline experience with companies such as Fundtech, First Data and MoneyGram.

Associate Compliance Professional Langley Perry, Esq. has been promoted to Associate Counsel. He holds a Juris Doctor from the University of South Carolina School of Law, a B.S. in Economics & International Affairs from the Georgia Institute of Technology, and has passed the South Carolina and Georgia bar examinations.

Chartwell is named as a finalist for the 2015 Helios Apollo HR Award

Chartwell Compliance is excited to announce that it has been named a finalist for the Helios Apollo Awards. Chartwell is one of 26 finalists overall and one of 5 finalists in the Ena (1-50 employees) category. Selected from a pool of nearly 200 nominations, the finalists represent organizations based in the Washington, DC metropolitan area that promote employee development as part of their culture.

Chartwell takes great care and pride in providing various levels of support to its entire team.

The company has just launched its latest leadership training for Chartwell executives, which takes place in Normandy, France on the D-Day landing beaches. The leadership team will spend two weeks abroad and undergo various leadership exercises, receive external mentorship and take part in meetings and workshops developed solely to improve their managerial skills and provide the right tools to better lead their individual teams.

Five employees at Chartwell are also part of its Business Fellowship Program, which is designed to provide both broad and specialized business management and administration training to its members over three years.

The multi-year, all-expenses paid program helps selected employees develop well-rounded business and inter-personal skills to excel in the company and throughout life’s endeavors. Members take part in specialized educational, mentoring, cross-training, entrepreneurship and team-building activities. The Fellowship includes an annual training retreat – this year in Osaka and Kyoto for kaizen and matsushita efficiency learning on-site at Toyota – and contains several components such as classroom and workshop based courses; dedicated internal and external mentorship; business cross training; entrepreneurship; and team building activities.

Furthermore, the company provides its entire staff leadership training at the annual corporate retreat. Each retreat holds new opportunities for team and leadership building. Whether we are strategizing on the battlefields of Gettysburg, listening to world-renowned mountaineer Chris Warner talk High Altitude Leadership in between horse back riding, or sailing on the Chesapeake Bay, Chartwell continues to invest and develop all employees to be leaders.

If you thrive in a fast-paced, entrepreneurial environment with upward mobility, please view job openings on our careers page at www.chartwellcompliance.com and send your cover letter and resume to: careers@chartwellcompliance.com

Chartwell Named as a Finalist in the 2015 Helios HR Awards

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2014

Chartwell Personnel Announcements

Chartwell Welcomes a State Deputy Commissioner and two First Data Veterans to its Management Team

Chartwell Compliance is pleased to announce the new full-time additions of:

Sarah Butler, Vice President

  • Served until now as Acting Deputy Commissioner for the Kentucky Department of Financial Institutions, overseeing MSBs, consumer lenders and depository institutions.
  • Served until now on the Board of Directors of the Money Transmitter Regulators Association.
  • Former Risk Management Examiner in Charge at the FDIC.

Jason Noto, Esq., General Counsel

  • Oversaw high-risk legal and regulatory compliance initiatives for First Data Corporation, AT&T and for offices of the State of Colorado.
  • Licensed attorney with degrees from the University of Denver obtained with high honors.

Michael R. Giacco, Chief Technology Officer

  • Previous Director and U.S. Lead for Process Excellence at First Data, where he worked for 17 years in risk management and compliance technology, process excellence, finance, and accounting.
  • Talented technology strategist leading global technology programs and system projects, with a government patent to his name on a process to support OFAC and AML compliance.

Sarah Butler, Vice President

Sarah Butler was most recently the Acting Deputy Commissioner for the Kentucky Department of Financial Institutions. She oversaw both the Division of Depository Institutions covering state-chartered banks and credit unions as well as the Division of Non-Depository Institutions, which includes money transmitters, consumer loan companies, industrial loan companies, mortgage loan companies and brokers, mortgage loan originators and processors and payday lenders. Her area of expertise included money transmission regulation including mobile, online, multinational, and startup marketplaces with particular emphasis on orders to simplify foreign ownership licensure policy and permissible investment regulation. The Division of Securities was also under her purview of management. Nationally, she was secretary of the Money Transmitter Regulatory Association (MTRA) Board of Directors, the national steering group for money transmitter regulators. Specifically her contributions were significant in the realm of membership communications and dual regulation policy.

Sarah has 23 years of experience in commercial lending and management. From 2009 to 2012 she was a risk management examiner for the Federal Deposit Insurance Corporation (FDIC). Prior and since then, she worked in commercial banking and banking in Kentucky and South Florida. There she developed and implemented policies to create more effective examination procedures to reduce regulatory burden and enforcement initiatives.

Sarah earned a Bachelor’s Degree in Business Administration from Barry University and an MBA from Palm Beach Atlantic University with an average GPA of 3.9. She served as a member of the Mortgage Testing and Education Board (MTEB), which is the national Professional Standards Committee for accreditation of state banking and mortgage departments, and on the Conference of State Bank Supervisors’ (CSBS) Payday Lending Advisory Group. Locally, she served on the board of directors as treasurer for the Frankfort YMCA and was active in the Frankfort Rotary Club.

In her free time, she is an accomplished amateur triathlete and marathon runner. Her athletic accomplishments include qualifying for the Boston Marathon three times and finishing in the top twenty percent of her age group divisions in half Ironman triathlons.

Jason Noto, Esq., General Counsel

As General Counsel, Jason Noto is lead internal legal point of contact for Chartwell on legislative and regulatory matters, analysis and interpretation. 

Jason has 12 years’ experience overseeing high-risk legal, regulatory compliance and government affairs while working at First Data, AT&T, and with or for various governmental offices within the State of Colorado. Jason’s work has included but is not been limited to: the Dodd-Frank Act; the Gramm-Leach-Bliley Act; the Unlawful Internet Gambling Enforcement Act; online payments processing; money transmission; prepaid products; international remittance transfers; payment facilitators; online and land-based gambling; procurement lobbyist activities; drafting and advising on marijuana legislation; debt collection; cyber-security; data privacy; electronic benefits transfers; and financial crimes enforcement.

Jason has collaborated with a multitude of federal agencies including the: Consumer Financial Protection Bureau; Federal Trade Commission; Federal Deposit Insurance Corporation; Financial Crimes Enforcement Network; Food and Drug Administration; and Federal Communications Commission. Jason recently partnered with the National Institute of Standards and Technology in drafting the Cybersecurity Framework implementing President Barack Obama’s Executive Order 13636.

Jason also works with various state financial, health, investigative and enforcement agencies; attorneys general offices; secretaries of state; and Native American tribal councils.

Jason is an accomplished writer and public speaker. He has been published in various law, payments and gambling journals and frequently speaks at conferences sharing views on high-risk payment processing, bank and associations’ rules, money transmission, and federal and state regulatory compliance.
Jason earned his law degree from the University of Denver, graduating with honors, and holds a Masters in Communications also from the University of Denver, graduating #1 in his class.

In his spare time, Jason enjoys playing ultimate frisbee and chess, cooking and volunteering.

Michael R. Giacco, Chief Technology Officer

Michael R. Giacco is Chartwell’s Chief Technology Officer. Prior to joining Chartwell, Mike was the Director and U.S. Lead of Process Excellence at First Data, where he worked for 17 years.

While with First Data, Mike held diverse roles leading risk management and compliance technology, process excellence, finance, and accounting. Most recently, Mike reported to the Chief Operating Officer of First Data as part of that company’s Process Excellence team re-engineering operations. A talented technology strategist, Mike has led global technology programs and system projects. Within these initiatives he has developed and implemented the technologies, designed the operational processes behind the systems, and built the financial return on investment models.

Mike built and executed risk operations in 14 countries for First Data, with his last in Brazil. Also, he spearheaded an investment and design implementing a First Data corporate-wide system to support Office of Foreign Assets Control and Anti-Money Laundering Compliance. He received a patent of methods and process from the United States Patent and Trademark Office for this work.

One of the favorite quotes he lives by is, “the only constant in Technology is change.” Mike is a start to finish leader who prides himself in thoroughly solving business problems through automation while deeply understanding how to evaluate investments.

He holds a Bachelor of Science in Finance. Mike and his wife Jennifer are life-long Long Islanders, and baseball fans with two children. He enjoys travel adventures, water sports, swimming, perfecting BBQ, and, before having kids, he rented time on a track to drive a NASCAR.

Chartwell Personnel Announcements

Steve Hagar, joins the firm as Chief Operating Officer. Steve is a skilled architect of partner relationships with over 25 years of frontline experience with companies such as: Fundtech, First Data and MoneyGram.

Lily Sayers, an expert in banking and operations management acquired from her work with Mile High Banks and Wells Fargo, joined Chartwell as Consulting Operations Manager and Associate Compliance Professional.

Bonnie Brillhart, a former Compliance Analyst with First Data, brings her proficiency in Money Transmitter License application and maintenance to Chartwell as Associate Compliance Professional.

Karen Schirmer, a subject matter expert in anti-money laundering, OFAC and prepaid access brings over 20 years of experience to the firm as Senior Advisor. Previous to working with Chartwell, Karen served as Sr. Director, Corporate Compliance for First Data Corporation.

ICBA and Chartwell Compliance Extend Relationship to Offer ICBA Compliance and Risk Management

Chartwell Compliance and the Independent Community Bankers of America (ICBA) have extended their agreement to continue offering ICBA Compliance and Risk Management to community banks.

Chartwell Personnel Announcements

Chartwell is pleased to announce that Trish Lagodzinski has been promoted to Compliance Director; Jeanne Schurott has been promoted to Director, Compliance and Strategic financial Planning; Langley Perry, an attorney and former Eagle Scout, has joined the firm as Associate Compliance Professional; and Petra Hrachova, CRCM, CAMS, previously a federal Reserve compliance examiner and community bank compliance officer, has joined the firm as Senior Compliance Professional.

2013

ICBA and Chartwell Compliance Extend Relationship to Help Community Banks Navigate Compliance Terrain

This agreement is a core component of ICBA Compliance and Risk Management, which offers affordable, hands-on services and expertise that help community banks succeed amidst the challenges associated with staying compliant.

Bankers’ Affinity Group

For the first quarter 2013 meeting of the Bankers’ Affinity Group in Richmond, Virginia, Mary Thorson presented a segment on Community Bank Compliance Issues, including: Unfair, Deceptive, or Abusive Acts or Practices Act (UDAAP) and Mortgage Lending Rules. Bankers’ Affinity Group brings professionals in the banking community together to increase knowledge and awareness of changes in accounting, auditing standards and banking regulations.

Thomson Reuters And Chartwell Compliance To Offer Compliance Solutions To Small And Mid-Market US Financial Services Providers

Thomson Reuters, the world’s leading source of intelligent information for businesses and professionals, today announced that it has entered into an alliance partner agreement with Chartwell Compliance, a Washington-based provider of consulting, testing and outsourcing services in the areas of regulatory compliance, financial crimes prevention, and enterprise risk management.

2012

Chartwell Compliance Welcomes Noah Payton

Experienced professional to manage internal operations, performance management, and risk management.

ICBA Enhances “ICBA Compliance HelpDesk”

The new service provides member bank subscribers with Web-based access to seasoned consultants from Chartwell Compliance who can provide practical, hands-on and real-world solutions to compliance issues.

BankersEdge Chooses Chartwell Compliance as New Service Provider

BankersEdge, an industry-leading online training and learning technology provider, announced today a strategic partnership with Chartwell Compliance — a Washington D.C.-based regulatory compliance and risk management consultancy.

Fiserv and Chartwell Compliance Strike Strategic Partnership

Strategic alliance to further enhance Financial Crime Risk Management capabilities. As a result of the partnership, clients of both Fiserv and Chartwell will have access to industry-leading risk and compliance solutions and consulting services in their respective arenas.

Chartwell’s Dennis Lormel testified on terrorist financing since 9/11 before the House Homeland Security Committee

A recognized subject matter expert on anti-money laundering, terrorist financing, and fraud, Lormel recognized after September 11 that the terrorists relied on a financial infrastructure to accomplish the attacks. He immediately established an investigative organization within the FBI that, within days, identified the funding stream. These efforts evolved into the FBI’s Terrorist Financing Operations Section.