ACAMS Carolinas Chapter February 2026 Virtual Event: What to Expect in 2026

Nicolas Khouri is the Executive Compliance Director, BSA/AML Officer for Ally Financial and Ally Bank. 

Previously, Nicolas was Deputy AML Officer, leading AML and OFAC program execution across risk assessments, governance, and business line oversight. Nicolas also served as Senior Compliance Director overseeing AML investigations, SAR filings, and law enforcement coordination, and earlier as Senior Audit Director overseeing Compliance and Legal.   

Nicolas brings 20+ years of auditing and compliance experience in financial institutions and investment banking, with a focus on AML and international operations. Before Ally, Nicolas spent seven years as an AML auditor at Wachovia/Wells Fargo, building deep expertise in domestic and international AML regulations. Nicolas holds an MBA in Finance and International Business from George Washington University and has been CAMS-certified since 2006. Nicolas is a frequent speaker and panelist at national AML and auditing conferences.

Tammy Barth-Oakes serves as the Chief Anti-Money Laundering Officer for KeyBank.  She oversees the full spectrum of AML functions across policy, governance, and operational execution, inclusive of AML Investigations and SAR filing, KYC/Due Diligence, OFAC and all other aspects of the AML lifecycle. Her team also ensures AML models and coverage are effective, emerging risks are addressed, provides AML technology oversight, and regulatory compliance. With a strategic focus on risk mitigation and regulatory alignment, she ensures the integrity and effectiveness of the institution’s financial crime compliance framework.

Prior to this role, she was Head of AML Operations for KeyBank.  AML Operations is responsible for executing the operational components of KeyBank’s Bank Secrecy Act (BSA), Anti-Money Laundering (AML) and Sanctions Screening programs.  The various teams within AML Operations monitor clients and their activity for financial crimes risk throughout the entire client life cycle. 

Tammy has over 25 years of banking experience.  Prior to joining KeyBank in August 2022, Tammy served as the Director of North America AML KYC Operations at Citi.  Tammy also served in expanding roles of responsibility within Collections and Customer Service and as a leader through several acquisitions and transformation projects.   

Tammy received a Bachelor of Arts degree in Psychology and an Associate of Arts degree in Business Administration from Thomas More College, Kentucky.

Michael Hall serves as Director of AML and Economic Sanctions.  He leads Fifth Third Bank’s AML and economic sanctions programs and is responsible for ensuring compliance with financial crimes laws and regulations. Michael is also the designated Bank Secrecy Act officer.

At Fifth Third Bank, Michael leads a team of experienced compliance officers who have financial crimes compliance oversight responsibility for the consumer, commercial, payments and wealth management lines of business. The financial crimes compliance team handles all sanctions screening, AML transaction monitoring, customer due diligence reviews, AML investigations, currency transaction reporting and suspicious activity reporting. In addition, Michael is responsible for developing and implementing strategies that continue to improve Fifth Third Bank’s overall financial crimes program.

Prior to his current position, Michael spent eight years in Bank of America’s AML organization and 20 years in the global banking division based in the US and Europe. Past positions included global head of AML and economic sanctions risk management for all lines of business, head of the line of business AML program for the Global Banking and Markets division and business support executive for the regional president in EMEA.