Greater Philadelphia Chapter

Arpita is a Certified Anti Money Laundering Specialist and Scrum Master with 12+ years of experience helping financial institutions develop their AML written programs, customer risk rating, and transaction monitoring models. She is a board member for the Association of Certified Antimoney Laundering Specialists (ACAMS) as well as Drexel University Accounting Advisory Council. Currently she is a Chief Compliance Officer at a Philly based start up in the sports betting industry, developing their compliance foundation as they launch and expand into multiple jurisdictions.

Kevin Toth leads the Special Investigations Unit (SIU) at Capital One, where he is responsible for overseeing time-sensitive investigations on high-risk typologies, emerging trends, and matters of national security.   Kevin is known as a complex investigations subject matter expert and has significant experience in conducting investigations and guiding teams in proactively identifying and targeting the highest-risk AML typologies.

Kevin earned the Advanced ACAMS-Financial Crimes Investigations (CAMS-FCI) and Certified Fraud Examiner (CFE) certifications.  He has also been published twice by ACAMS.  The first publication was his white paper titled “The Convergence of Cyber, Fraud, and AML”  and Kevin’s publication titled “Shake, Bake, and Launder'' was featured as the cover article of ACAMS Today in December 2020. 

Kevin is the Co-Chair of the ACAMS Greater Philadelphia Chapter and regularly plans and participates in Chapter Events as a moderator and panelist.  Kevin is also a Steering Committee member of the U.S. Financial Coalition Against Child Sexual Exploitation (U.S. FCACSE).  Within this group,  Kevin co-founded and is the National Co-Chair of the Rapid Response Program, which established an industry leading initiative that has led to the rescue of numerous critically endangered missing children.

Kevin has spoken at numerous international, national, and regional conferences, events, and other diverse audiences such as in university settings and presentations to the Board of Directors of a national non-profit organization.  He has a Master’s in Criminal Justice with a Homeland Security Specialization and a Bachelor’s of Science in Finance.

Anthony Cook is an IRS Criminal Investigation (IRS-CI) Special Agent with over 20 years of federal law enforcement experience specializing in complex financial crimes, international investigations, and interagency diplomacy. His investigative career has focused on criminal tax and money laundering cases, with particular emphasis on uncovering beneficial ownership, correspondent banking networks, and investigating professional enablers and Trust Company Service Providers establishing offshore structures to conceal true fiduciary ownership.

Promoted to Supervisory Special Agent in 2014, he led a team conducting complex criminal investigations spanning tax fraud, financial crime, cyber-enabled criminality, and public corruption. In 2017, he joined the U.S. Embassy in London as Attaché, building strategic partnerships with law enforcement and government agencies across the UK, Europe, and Northern Africa. In 2022, he was appointed Regional Attaché for the Middle East, developing international partnerships to facilitate investigative cooperation involving financial crimes, sanctions evasion, and terrorist financing throughout the Gulf Cooperation Council.

He has represented the U.S. Government on assignments in over 30 countries, served as the Official U.S. Delegate to the Organization of Economic Cooperation and Development (OECD) Task Force on Tax Crimes in Paris, and chaired the Board of the Foreign Law Enforcement Community (FLEC) in London — representing more than 150 law enforcement officials from over 50 countries. He holds the CFE and CAMS designations and is an Adjunct Professor at Case Western Reserve University School of Law, where he teaches in the Financial Integrity program.

Alex Feldman is a Certified Anti Money Laundering Specialist (CAMS) and since 2013 has been working within, consulting for, and enforcing regulatory compliance of financial services companies.

Currently, Alex is a Bank Examiner for the Office of the Comptroller of the Currency (OCC), where he is responsible for evaluating Mega Banks compliance with BSA/AML and other compliance regulations.

Prior roles for Alex include: BSA Risk Specialist for the Federal Reserve Bank of Philadelphia, Senior Manager at BDO USA, P.C., and Team Lead SAR Triage Unit at HSBC USA. He has domestic as well as international experience, having served assignments in various roles in China, Hong Kong, Puerto Rico, Singapore, Bermuda, United Kingdom, and Switzerland.

Alex earned his B.A. from The College of New Jersey and his J.D. from the Kline School of Law Drexel University. He is an adjunct professor of Financial Crimes Compliance at the Kline School of Law at Drexel University.

An academic-turned-practitioner, Dr. Michelle Frasher brings over 25 years of subject matter expertise spanning geopolitics, finance, terrorism, illicit finance, and data privacy, with leadership experience building and advising on AML/CFT and sanctions compliance programs, products, and services for a global clientele.

She currently serves as Head of Financial Crime Risk Management (FCRM) Advisory and Deputy BSA and Sanctions Officer at The Bancorp, where she leads a multidisciplinary team responsible for AML, sanctions, and financial crime advisory across business lines, regulatory strategy, and program execution. Her work focuses on aligning policy, operations, and technology to strengthen end-to-end financial crime compliance frameworks in a dynamic regulatory environment. She is known for bridging regulatory frameworks with operational execution.

In her corporate career, Dr. Frasher held senior leadership roles at LexisNexis Risk Solutions as Director of Global Content for WorldCompliance and at Moody’s Analytics as Senior Director of the Financial Crime Practice.  Her policy and advisory expertise has also been sought through her private consultancy, as well as by international organizations and research institutions, including Oxford Analytica and the EU AML/CFT Global Facility, with a focus on beneficial ownership, data privacy, and cross-border data sharing.

Dr. Frasher is widely recognized for her expertise at the intersection of financial crime compliance (FCC) and data privacy and protection (DPP). An experienced international speaker and author, her work has been featured in Harvard Business Review, American Banker, CoinDesk’s Consensus, the International Association of Privacy Professionals (IAPP), ACAMS Moneylaundering.com, AML Intelligence, and SWIFT’s Sibos, among others. 

Dr. Frasher earned a PhD in History with a focus on International Political Economy from Texas A&M University and holds multiple MA and BA degrees in political science, history, and foreign languages. She is a Certified Anti-Money Laundering Specialist (CAMS) and was a 2014 Fulbright-Schuman Scholar to Belgium and Malta, researching U.S.–EU financial data sharing for counter-terrorism cooperation.

Daronn Grosvenor is the Senior Manager of Compliance Strategy at Novo, where he is responsible for overseeing the regulatory compliance program, including written program development, emerging risk mitigation, compliance operations and testing.

With over 14 years of experience in the financial industry, he has led multiple initiatives across a range of regulatory concentrations, including BSA/AML compliance. Daronn has worked/consulted with many financial institutions, including banks, credit unions and FinTech companies - with both a US domestic and international regulatory compliance footprint. His expertise spans across compliance program management, systems intelligence, and process/system implementation.

Daronn is a Certified Anti Money Laundering Specialist (CAMS) and holds a bachelor's degree in Accounting from Rutgers University.

Scott Carr is a Financial Crimes Program Lead at Vanguard. He has impacts into every facet of the company’s business as he ensures that the firm complies with Bank Secrecy Act / Anti-money laundering (“BSA”/”AML”) and Office of Foreign Assets Control (“OFAC”) regulations. He has over 14 years in the BSA/AML field, serving in various roles with experiences including compliance; risk assessments; transaction monitoring models; sanctions; conducting investigations; quality assurance; developing and delivering comprehensive training; as well as coaching and development for both financial crimes professionals and delivering firm-wide courses.

Scott is a graduate of Penn State University with a bachelor’s degree in Administration of Justice and a Certified Anti-Money Laundering Specialist (or CAMS).

Julie Hearn-Nicely is the Vice President of Bank Secrecy Act/Anti-Money Laundering Compliance at Firstrust Bank. She has 15 years of BSA/AML compliance experience with privately held and publicly traded financial institutions and holds two professional BSA/AML compliance certifications.

Her background includes a strong emphasis in BSA/AML/OFAC compliance, risk management, fraud, and physical security. She manages the BSA department and is responsible for establishing and implementing bank regulatory policies, procedures, and practices to help detect and deter financial crimes and promoting an efficient, risk-based process for monitoring, identifying, and reporting suspicious activity.

Julie is a Summa Cum Laude graduate of Immaculata University with a graduate degree in Organization Leadership and undergraduate degrees in Financial Management and Business Management.

She serves on the Board for the Business Advisory Board at Immaculata University and is Co-Chair of the Mentoring Committee, serves on the Emergency Management Planning Commission for Upper Uwchlan Township, and is a member of the American Red Cross where she serves as a lead responder for the Disaster Action Team and teaches emergency preparedness to elementary school children.

Renata is an attorney and CAMS-certified compliance professional with over 10 years of experience in anti-money laundering (AML) and regulatory compliance, including Bank Secrecy Act (BSA)/AML and the Office of Foreign Assets Control (OFAC) independent testing and regulatory response.

She is a Manager in Crowe’s Financial Services Consulting practice, where she leads BSA and OFAC audits and testing engagements for a broad range of financial institutions, including global and regional banks, credit unions, money service businesses, and fintechs. Her expertise focuses on AML compliance programs, particularly transaction monitoring, investigations, and suspicious activity reporting.

Renata earned her J.D. from DePaul University College of Law and holds a degree in Biological Sciences with a minor in French from Northwestern University. She is active in the Polish-American community in Philadelphia, including St. Adalbert Polish Language School.

David is a seasoned and visionary leader in the financial crimes compliance space, with over 15 years of experience in BSA/AML/OFAC across community, midsize, and regional financial institutions. David has maintained his CAMS (Certified Anti-Money Laundering Specialist) certification since June 2012 and his CFE (Certified Fraud examiner) certification since December 2025. He currently serves as the BSA/AML/OFAC Officer at Atlantic Community Bankers Bank (ACBB), an approximate $975 million asset-size financial institution. In his prior role, David oversaw an over $5 billion BSA/AML/OFAC compliance program, where his strategic leadership has driven exponential growth while maintaining a strong regulatory posture.

Throughout his career, David has demonstrated a rare ability to transform complex regulatory frameworks into scalable, efficient, and high-performing programs. His accomplishments include leading three successful M&A integrations with no regulatory criticisms, increasing SAR filings by 900% through enhanced monitoring and staff development, and implementing automated transaction monitoring systems that improved data quality and operational efficiency.

David is known for his collaborative leadership style, mentoring high-performing teams and expanding his department from two to seven direct reports. He is a trusted liaison for regulators, auditors, and law enforcement, and has presented at major industry conferences such as ACAMS Las Vegas Conference, ABA’s Financial Crimes (2025), numerous ACAMS webinars and multiple BSA Coalition events, sharing insights on enforcement actions and consent order preparedness and other industry best practices. 

His commitment to education and empowerment is evident in the training programs he has developed for retail staff and senior leadership, fostering a culture of compliance and continuous improvement. His expertise spans investigatory analysis, risk mitigation, process improvements, and regulatory trend forecasting.

Outside of work, David is an avid bowler and enjoys spending time with his children, including helping with their sports and extracurricular activities. David enjoys attending sporting events, including the local AHL hockey team, the Hershey Bears. David is also on the South Central PA’s Risk Management Association (RMA) Board of Directors where he has served as their treasurer since 2022. 

https://www.linkedin.com/in/davidmgerhart/

Caroline is a Senior Manager in Crowe’s Regulatory Compliance Financial Crime Technology practice, and currently the leads the firm’s Financial Crime Model Validation services. She has spent five years at Crowe and eight years total in professional services, leading model validations, BSA audits, NYDFS Part 504 assessments, and system implementation and optimization engagements. Prior to her time in consulting, Caroline spent three years between two international financial institutions performing anti-money laundering investigations. Caroline graduated with her bachelors from Villanova University and her JD from Vermont Law School. She is a certified anti-money laundering specialist (ACAMS) and has spent her entire professional career in financial crimes compliance.

Fred Milliken is a dynamic financial‑crimes executive with more than two decades of leadership experience spanning global banking, fintech, and the online‑gaming sector. Known for building high‑performing investigative organizations and strengthening enterprise‑wide financial‑crime controls, he has held senior roles at TD Bank, JP Morgan, Citibank, and bet365, where he has consistently driven operational excellence, regulatory alignment, and strategic risk management across complex, high‑risk business environments.

Fred currently serves as Senior Manager of Quality Control – SAR Management at TD Bank, where he designed and operates a comprehensive quality‑control review program. His work includes establishing standardized procedures, uplifting SAR narrative quality, and implementing training and calibration frameworks that enhance consistency, regulatory compliance, and investigative rigor across the organization. 

In addition to his corporate leadership, Fred serves as a Board Member and Co‑Treasurer for the Philadelphia Area ACAMS Chapter, contributing to the chapter’s financial stewardship, governance, and mission to advance professional development in AML, sanctions, fraud, and financial‑crime compliance.

Previously, Fred was the AML Officer and Fraud & Risk Manager for bet365, where he directed U.S. Fraud and Risk Operations for one of the world’s largest online gambling and sportsbook organizations. He architected enterprise‑level AML, fraud, and risk frameworks—including transaction‑monitoring and sanctions‑screening programs—that strengthened regulatory compliance and operational resilience. He also built and mentored multi‑layered investigative teams, elevating organizational capability and leadership depth.

Fred’s earlier career includes a distinguished tenure at JP Morgan, where he served as Vice President and Senior Manager within Global Financial Crimes Compliance. He led a 44‑person AML investigations division, oversaw major remediation initiatives—including large‑scale SAR lookbacks and correspondent‑banking reviews—and shaped investigative governance as part of the firm’s AML Procedures Management Group.

At Citibank, Fred managed AML oversight for their Global Remittance Services and Pre Paid Cards businesses, led an 18‑person investigative team, and directed the full wind‑down of product‑level AML operations. He also developed sanctions‑screening and investigative procedures that strengthened governance and compliance controls across the product suites.

Fred began his career at the Center for Forensic Economic Studies, where he spent more than a decade producing complex economic‑loss analyses for high‑stakes commercial litigation and contributing expert testimony for trial‑advocacy programs.

He holds an MBA in Economic Crime and Fraud Management from Utica College and a Bachelor’s degree in Economics and Business Administration from Ursinus College. He is a Certified Anti‑Money Laundering Specialist (CAMS) and an active member of the Philadelphia and Delaware ACAMS Chapters. His professional development includes extensive leadership training and participation in industry conferences, symposiums, and ACAMS learning events.

Across every role, Fred is recognized for his strategic thinking, operational rigor, and ability to influence senior stakeholders while ensuring strong regulatory alignment. His career reflects a deep commitment to protecting the financial system, advancing investigative excellence, and developing the next generation of AML and financial‑crime professionals.