Anti-Money Laundering Consultants
Michelle N. Martin, CAMLFC, CAMS, MACC, ACA
Ms. Michelle Martin is an Anti-Money Laundering Consultant. She is President of ComplianceAid AMLFC Institute & theList.pro. An accomplished professional with over twenty-three years of experience in banking, trust, credit union, insurance, financial services, regulatory compliance, public and private accounting. She is a Certified Anti-Money Laundering & Financial Crimes Prevention Professional (CAMLFC) and Certified Anti-Money Laundering Specialists (CAMS). Founder of the Anti-Money Laundering and Financial Crimes Institute (AMLFC Institute) in addition to founding co-chair of the ACAMS South Florida Chapter. She is also an Accredited Claims Adjuster.
During the last 7 years; Ms. Martin was an invited speaker at 26 Conferences/Seminars in 22 countries where 7,000+ Financial Industry executives were educated on Anti-Money Laundering (AML), Counter Terrorism Financing (CTF) & Foreign Account Tax Compliance Act (FATCA) topics. She dispensed Annual AML/BSA/CTF/OFAC Training to over 5,000 staff, internal audit department, management and board of 16 regional and local businesses. She educated, at 24 joint seminars with Government Entities and Professional Organizations, 4,000 professionals including bankers, attorneys, accountants, trust managers, company service providers and compliance officers active in over 32 industries. Ms. Martin also trained over 200 Senior Public Officials, Members of Parliament and Ministers from the Caribbean. She developed and implemented 56 AML/CTF Policies, Procedures and Risk Assessment Program for Financial Institutions active in multi-jurisdiction that led to uniform risk mitigating procedures design to detect, deter, prevent for compliance with laws and regulations of 21 countries. She also contributed with 28 main stream media (TV, Radio, Newspaper, Magazine) to produce reports on Anti-Money Laundering issues directed toward the general public or business community.
Her professional experience in the United States began in public accounting where KPMG, LLP recruited her as an Auditor. Two years after she joined Ernst & Young LLP. In 2004, she transitioned to the private sector as a Franchise Auditor within the Internal Audit department at Burger King Corporation. By mid-2005, Assurant, Inc. presented Ms. Martin with the opportunity to become an Internal Audit Manager. In 2007, she worked as an Assistant Vice President & AML/BSA Project Manager at Ocean Bank headquarter, Florida largest commercial bank. In 2008, Banco Do Brasil hired her as a Compliance/OFAC Officer where she was responsible for implementing a Compliance Program for their New York, Orlando and Miami Offices in addition to coordinating other regulatory efforts for the Bank. In 2011, Ms. Martin returned to the Caribbean and launched ComplianceAid the first regional consulting business specialized in Anti-Money Laundering & Counter Terrorism Financing. She also launched theList.pro the first database to specialized in Politically Exposed Persons from the Caribbean and Latin America.
Born in Antigua, Ms. Martin started her financial career in St. John's with Canadian Imperial Bank of Commerce (CIBC). In 1996, Ms. Martin moved to Miami to pursue a higher education. She obtained a Bachelor in Accounting and a Master in Accounting Information Systems at Florida International University (2002).
Her work experience encompass the following industries:
• Credit Union
• Governmental Affairs
• Money Service Business
• Non-Profits, Trade & Professional Associations
• Public Accounting
• Real Estates
• Registrar & Company services
Lorenzo Delzoppo has over fifteen years of substantial regulatory compliance, risk management, and legal experience. He joined Community Bank of Florida in 2006 as BSA Officer and was soon promoted to Chief Compliance Officer. In 2012 he assumed the additional role of Chief Risk Officer. Lorenzo was responsible for leading and coordinating company-wide risk management efforts by directly managing the Enterprise Risk Management (ERM) platform and supervising the Compliance Management System (CMS). In addition to permanent internal control functions, his accountabilities included strategy development, regulators relations, external audit coordination and exception tracking, as well as direct oversight of the areas of Bank Secrecy Act, Anti-Money Laundering and Anti-Terrorist Financing. This includes development/enhancement of required technology systems/solutions, policy and procedure development and training. Previously, he supervised compliance with all laws and regulations applicable to international wire transfer activities as CCO of MoneyExpress Financial, a U.S. financial institution with subsidiaries in Portugal, Spain and the UK. Before that role, he was CCO at Girosol, a money services business operating in 35 U.S. states and 42 countries. Lorenzo has been a speaker at international conferences and lectured at university seminars. He has developed compliance manuals, training manuals and videos, implemented compliance monitoring systems and interfaced state and federal examiners in numerous examinations. He has a LL.M. from the University of Miami, a J.D. from the University of Urbino and speaks five languages. He is an ABA Certified Regulatory Compliance Manager as well as a Certified Anti-Money Laundering Specialist and a founder/director of the South Florida Chapter of the ACAMS. In addition, Lorenzo is a member of the Anti-Money Laundering and Financial Crimes Institute (AMLFC Institute) Advisory Board.
His work experience encompass the following industries:
• Money Service Business