Alberto has more than 25 years of experience in the areas of research and investigations, due diligence, anti-money laundering (AML) and anti-corruption (FCPA) compliance. His work has included internal corporate investigations, reviews of illicit practices and irregularities, asset recovery, analysis of mergers & acquisition targets, and background investigations of potential business partners. He is also a Certified Anti-Money Laundering Specialist (CAMS) and has assisted many regulated entities with issues pertaining to evaluations of internal controls, customer due diligence, high risk transactions, foreign account reviews, and investigations, pursuant to U.S. financial, economic, and trade sanction regulations including the Bank Secrecy Act (BSA), USA PATRIOT Act and OFAC.
Alberto previously served as Managing Director for the Latin American regional office of IPSA ...
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Alberto has more than 25 years of experience in the areas of research and investigations, due diligence, anti-money laundering (AML) and anti-corruption (FCPA) compliance. His work has included internal corporate investigations, reviews of illicit practices and irregularities, asset recovery, analysis of mergers & acquisition targets, and background investigations of potential business partners. He is also a Certified Anti-Money Laundering Specialist (CAMS) and has assisted many regulated entities with issues pertaining to evaluations of internal controls, customer due diligence, high risk transactions, foreign account reviews, and investigations, pursuant to U.S. financial, economic, and trade sanction regulations including the Bank Secrecy Act (BSA), USA PATRIOT Act and OFAC.
Alberto previously served as Managing Director for the Latin American regional office of IPSA International, Inc., a U.S. consultancy, specializing in AML compliance, Look Back reviews, hedge fund due diligence, KYC remediation, and risk assessments of cross border transactions.
Alberto holds all appropriate Private Investigator/Agency Manager licenses in the State of Florida. He has managed investigations relating to bank fraud, employee theft, asset location and recovery and other matters in preparation for civil and criminal claims against adverse parties.
He began his career with Kroll, Inc. in the early 1990s in South Florida and managed the Latin American research unit. In 1996, he accepted an assignment to supervise the company’s first office in Latin America and temporarily relocated to Sao Paulo, Brazil.
He has been an active member of the Association of Anti-Money Laundering Specialists (ACAMS), Association of Certified Fraud Examiners (ACFE), Businesses for Social Responsibility (BSR), Florida International Bankers Association (FIBA), Investigative Reporters & Editors (IRE) and the Society of Competitive Intelligence Professionals (SCIP).
Alberto holds a Bachelor’s degree in Economics from Florida International University, and is fluent in Spanish and Portuguese.
John Karansky has 30 plus years of experience as a domestic and international financial services risk manager with experience in regulatory examination, AML / BSA / OFAC compliance, corporate security / anti-fraud prevention / investigation, audit and operational risk background and specialized skill-sets from organizations including the Federal Reserve Bank of Atlanta, Bank of America, Barclays Capital / PLC, Banco Industrial de Venezuela, Eastern Financial Credit Union, and Loan America Mortgage Company.
Most recently, John served as a Federal BSA/AML Risk Examiner in charge, leading, or participating in the supervision and examination of BSA/AML/OFAC compliance programs of state member large, regional, and community banks, foreign banking organizations, and bank holding companies in the Southeast and other Federal Reserve districts. While at the Federal Reserve, he serv...
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John Karansky has 30 plus years of experience as a domestic and international financial services risk manager with experience in regulatory examination, AML / BSA / OFAC compliance, corporate security / anti-fraud prevention / investigation, audit and operational risk background and specialized skill-sets from organizations including the Federal Reserve Bank of Atlanta, Bank of America, Barclays Capital / PLC, Banco Industrial de Venezuela, Eastern Financial Credit Union, and Loan America Mortgage Company.
Most recently, John served as a Federal BSA/AML Risk Examiner in charge, leading, or participating in the supervision and examination of BSA/AML/OFAC compliance programs of state member large, regional, and community banks, foreign banking organizations, and bank holding companies in the Southeast and other Federal Reserve districts. While at the Federal Reserve, he served as the interim BSA Risk Coordinator for the Federal Reserve Bank of San Francisco as well as conducted BSA / AML / OFAC training, performed Community Outreaches and served as a point of contact on BSA/AML issues including virtual currency and marijuana-related business controls.
Previously, John was the Senior BSA Risk Management Officer for Colonial Bank where he directed the BSA risk management program in a Region that offered retail, wealth management, treasury, commercial, consumer, and residential lending services. As an integral part of the management team, he provided guidance, training, and support in mitigating the money laundering risks associated with South Florida and the Latin America markets.
John has specific experience in the following BSA/AML/OFAC areas: risk assessments, analytical and compliance reviews, directing KYC/EDD/CIP customer profile reviews, transaction monitoring, and AML/fraud Suspicious Activity investigations of higher risk client types that have included broker-dealers, currency exchanges, mortgage and insurance operations, internet operations, non-bank financial institutions, MSBS, PICS, NGOs/Charities, embassies/consulates, cash intensive businesses, PEPS as well as foreign banks, businesses, and government entities. He has led the development of AML/OFAC customer monitoring applications and other risk management systems, written policies, procedures, and mitigating controls for AML, BSA, and OFAC regulations, reported on USA Patriot Act 9/11, OFAC and FINCEN 314(a) law enforcement searches, large currency transactions, CTR exemptions, and SARS, and implemented recordkeeping procedures in line with regulations for monetary instruments, remittances, and foreign banking organizations as well as managed an organization’s legal actions and attorney-client case preparation.
He has directed or participated on financial, operational, and compliance audits, CSA, COSO, M/A due diligence, regulatory remediation and look-backs, asset recovery and loan reviews involving commercial, investment, government and private banking operations, non-bank subsidiaries and affiliates, credit unions, and mortgage brokerage activities.
John has a Masters in Business Administration from Nova Southeastern University and holds the following professional certifications: Certified Anti-Money Laundering Specialist, Certified Fraud Examiner, Certified Anti-Money Laundering Certified Associate, Certified Financial Services Auditor, and Certified Bank Auditor.
Julia Lopez is a results-oriented banking professional offering more than 30 years of professional experience covering all aspects of banking operations. During her banking career, she has performed duties as a Branch Officer, Internal Auditor and Compliance Officer for banks in Puerto Rico and Florida. Her experience also includes being a Compliance Officer for a health insurer in Puerto Rico.
Julia began her banking career at FirstBank Puerto Rico, where she worked as Internal Auditor and later as Compliance Officer. As Internal Auditor, Julia interacted with all branches and operational departments during the audits performed. Julia also interacted with external auditors and served as liaison with regulators examining the bank. As Compliance Officer, Julia was in charge of creating and updating the compliance policies and procedures, give training to all employees on com...
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Julia Lopez is a results-oriented banking professional offering more than 30 years of professional experience covering all aspects of banking operations. During her banking career, she has performed duties as a Branch Officer, Internal Auditor and Compliance Officer for banks in Puerto Rico and Florida. Her experience also includes being a Compliance Officer for a health insurer in Puerto Rico.
Julia began her banking career at FirstBank Puerto Rico, where she worked as Internal Auditor and later as Compliance Officer. As Internal Auditor, Julia interacted with all branches and operational departments during the audits performed. Julia also interacted with external auditors and served as liaison with regulators examining the bank. As Compliance Officer, Julia was in charge of creating and updating the compliance policies and procedures, give training to all employees on compliance related matters, serve as subject matter expert and served as liaison with regulators examining the bank and law enforcement agents on BSA/AML related matters.
Afterwards, she was recruited by Triple S Inc to be its first Compliance Director. She developed all the policies and procedures necessary for the company to be in compliance with the Health Insurance Portability and Accountability Act (HIPAA). Her involvement also included developing and deploying a training program in privacy matters for the whole company.
Subsequently, she was employed as Compliance Officer for R-G Premier Bank and its related mortgage company, R-G Mortgage Corporation. In this position, she revamped the BSA Department, doubling the employee base and implementing a monitoring system for the first time in the Bank.
Julia specializes in assisting banks in improving their compliance with the Bank Secrecy Act (BSA) and related regulations. Among other activities, her experience includes assisting banks in developing BSA/AML and OFAC Compliance Programs; conducting BSA/AML Risk Assessments; implementing enterprise-wide BSA plans; reviewing Know Your Customer (KYC) forms, customer activity, and preparing suspicious activity reports (SARs); developing risk-focused BSA/AML account monitoring strategies; providing training that is tailored to the institution; and preparing banks for regulatory examinations.
Julia is a member of the American Bar Association, American Institute of Certified Public Accountants, Association of Certified Fraud Examiners, Puerto Rico Bar and Puerto Rico Society of Certified Public Accountants. She is fluent in English and Spanish.
Rafael joined Integro Advisers in October 2022 as a senior member of the firm’s AML Compliance Advisory team. He brings more than 20 years of specialized experience in BSA/AML/OFAC compliance and bank operations. He has designed and updated risk management programs for various financial institutions, in accordance with changes in customer profiles, existing products, geographies and regulatory changes. He has also performed training for executives and board members on BSA/AML/OFAC policies, regulatory requirements and expectations.
Rafael began his career in New York at Republic National Bank of New York where he learned banking Operations in his capacity as Officer and Assistant Vice President. He was subsequently promoted and transferred to an affiliate of RNBNY in Panama City, Republic of Panama, as Manager of Operations and Administration, where he had direct oversig...
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Rafael joined Integro Advisers in October 2022 as a senior member of the firm’s AML Compliance Advisory team. He brings more than 20 years of specialized experience in BSA/AML/OFAC compliance and bank operations. He has designed and updated risk management programs for various financial institutions, in accordance with changes in customer profiles, existing products, geographies and regulatory changes. He has also performed training for executives and board members on BSA/AML/OFAC policies, regulatory requirements and expectations.
Rafael began his career in New York at Republic National Bank of New York where he learned banking Operations in his capacity as Officer and Assistant Vice President. He was subsequently promoted and transferred to an affiliate of RNBNY in Panama City, Republic of Panama, as Manager of Operations and Administration, where he had direct oversight of numerous departments with over 45 staff members.
From 1989 – 1997, Rafael worked in operations at Barclays Bank PLC in Miami, managing Loans and Time Deposits processing, Wire Transfers, Telecommunications, Tellers, and Check Processing.
Later he moved to lead BSA compliance programs at Hemisphere National Bank and the International Bank of Miami, both in Miami, Florida. At these institutions he oversaw training, organized and reported updates to the Bank’s board committee, updated each bank’s risk matrix and customer documentation, visited high risk foreign correspondent banking customers, and managed staff through restructurings and projects requested by regulatory examiners. He also acted as liaison between the bank and regulators, internal and external auditors.
Subsequently, between 2009 and 2022, he served two separate stints as the Compliance Manager and BSA Officer for Banco Internacional de Costa Rica (BICSA), Miami, Florida, during which time he was responsible for day to day BSA/AML/OFAC compliance activities, audits and assessments of the compliance program, updating of policies and procedures, ongoing reviews of controls to align them with best practices and regulatory requirements, and supervised annual account reviews, monitoring of customer activities and exceptions, and reporting to the Bank’s Compliance Committee and Board of Directors. He also acted as liaison between the bank and regulators, internal and external auditors.
From 1990 to 2005, he was President and Director of the International Operations Banking Association (IBOA) and the Financial Institution Risk Management Association (FIRMA), both in Miami, Florida. These associations organized monthly meetings and quarterly seminars addressing all relevant banking operations, compliance and risk management matters.
Rafael is a Certified Anti-Money Laundering Specialist (CAMS) and has also served as an expert witness on several legal matters related to AML and financial fraud.
Humberto has more than 35 years of experience in banking specializing in the areas of technology, operations, information security, risk management and compliance, and brings a combined knowledge of AML and information systems to Integro Advisers. He supports the financial services industry in the areas of BSA/AML and funds transfers system validations, as defined by the Federal Reserve, system assessments, audits and operational risk assessments.
Prior to joining Integro Advisers, he worked at City National Bank and related affiliates for nearly three decades. He served as Systems Programming Manager for City National Bank of Florida. In this capacity, he led the acquisition, implementation, and customization of BSA Reporter by Prime Associates, collaborating with the Bank’s BSA/AML Officer in designing and fine-tuning the risk-based alert rules for the first monitoring sys...
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Humberto has more than 35 years of experience in banking specializing in the areas of technology, operations, information security, risk management and compliance, and brings a combined knowledge of AML and information systems to Integro Advisers. He supports the financial services industry in the areas of BSA/AML and funds transfers system validations, as defined by the Federal Reserve, system assessments, audits and operational risk assessments.
Prior to joining Integro Advisers, he worked at City National Bank and related affiliates for nearly three decades. He served as Systems Programming Manager for City National Bank of Florida. In this capacity, he led the acquisition, implementation, and customization of BSA Reporter by Prime Associates, collaborating with the Bank’s BSA/AML Officer in designing and fine-tuning the risk-based alert rules for the first monitoring system adopted by the bank. Subsequently, Humberto became the lead technology analyst for BSA/AML OFAC compliance and was responsible for programming and maintaining all BSA/AML OFAC monitoring systems. He was the main resource for managing the technical parts of all Bank Secrecy Act audits, including the annual regulatory reviews by the Office of the Comptroller of the Currency (OCC), as well as all data validation models.
Humberto held the positions of Chief Technology Officer for City National Bank under Bankia (Spain’s third largest bank) and Director of Information Systems for City National Bank under Banco de Créditos e Inversiones (BCI), and Director of Operations and Technology for Caja Madrid Group. At all times, he maintained close working partnerships with the Risk Manager and the BSA Officer to ensure seamless integration between BSA/AML compliance objectives and information systems used to facilitate customer monitoring and detection of suspicious activity.
Humberto also has designed data interfaces between Metavante IBS core (now FIS-IBS) and BSA reporter (now FIS AML), considering sources of data and integrating data silos for the purpose of giving timely relevant information to be used in conjunction with alert rules. He also designed data interfaces between Fundtech Wires (now Finastra) and BSA reporter.
He led the team that was responsible in the core conversion from Metavante (FIS) to Fiserv, the conversion and migration of BSA Reporter to Patriot Officer by Global Vision. He was also a team leader in the systems merger of Totalbank and City National Bank which included a conversion of the customer history and cases from ECS to Patriot Officer.
Humberto is a graduate of the Universidad de Salamanca with degrees in Psychology Applied to Industry and Economic Sciences.
Alfredo Fernandez Carpio is an attorney by profession and was admitted to the Venezuelan bar in 2008. Mr. Fernandez specializes in background investigations, executive and management screening, third party due diligence and corporate compliance. He also has extensive experience in matters of fraud and asset recovery in Latin America.
Previously, Mr. Fernandez worked at the prestigious Venezuelan law firm of De Sola, Pate & Brown, where he covered litigation, negotiation, mediation, corporate, commercial, family law, labor law and foreign investment law. His work included drafting revisions and new contracts, and creating contract guidelines, policies, and playbooks. He wrote labor agreements and out-of-court settlements in various fields.
Mr. Fernandez received his Juris Doctor degree at the Universidad Católica Andres Bello (U.C.A.B.) in Caracas, Venezuela. He ...
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Alfredo Fernandez Carpio is an attorney by profession and was admitted to the Venezuelan bar in 2008. Mr. Fernandez specializes in background investigations, executive and management screening, third party due diligence and corporate compliance. He also has extensive experience in matters of fraud and asset recovery in Latin America.
Previously, Mr. Fernandez worked at the prestigious Venezuelan law firm of De Sola, Pate & Brown, where he covered litigation, negotiation, mediation, corporate, commercial, family law, labor law and foreign investment law. His work included drafting revisions and new contracts, and creating contract guidelines, policies, and playbooks. He wrote labor agreements and out-of-court settlements in various fields.
Mr. Fernandez received his Juris Doctor degree at the Universidad Católica Andres Bello (U.C.A.B.) in Caracas, Venezuela. He is affiliated with the Inter-American Bar Association and the Venezuelan American National Bar Association.
e-Forensics is a full-service cybersecurity, digital forensics and e-discovery services. The professionals at e-Forensics have been serving clients since 2000 with defensible digital forensics in matters such as theft of intellectual property, copyright infringement and cyber stalking/threats.
Additionally, e-Forensics offers traditional e-discovery services, information security consulting, and develops IT governance and general security policies.
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e-Forensics is a full-service cybersecurity, digital forensics and e-discovery services. The professionals at e-Forensics have been serving clients since 2000 with defensible digital forensics in matters such as theft of intellectual property, copyright infringement and cyber stalking/threats.
Additionally, e-Forensics offers traditional e-discovery services, information security consulting, and develops IT governance and general security policies.
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