ACAMS US Capital Chapter April 2026 Digital Assets Forum

Craig Timm is the Senior Director of AML at ACAMS.

Prior to joining ACAMS, Craig had more than 15 years of anti-financial crime experience across the public and private sectors. At the Department of Justice, Craig served as a Deputy Chief in the Asset Forfeiture and Money Laundering Section (now Money Laundering and Asset Recovery Section) at headquarters in Washington, DC. In that role, he led a team of prosecutors responsible for enforcing criminal violations of the Bank Secrecy Act, U.S. economic sanctions, and money laundering laws committed by financial institutions and their employees. He led the prosecution of some of the largest financial institutions in the world including HSBC and BNP Paribas. Craig began his career with the Department of Justice as an Assistant United States Attorney in Arizona. At the Department of Justice, he was the recipient of numerous awards including the Attorney General’s Crime Victim’s Restoration Award, the Assistant Attorney General’s Award for Exceptional Service, and the Immigration and Customs Enforcement Director’s Meritorious Service Award.

At Bank of America, Craig was a Financial Crimes Executive responsible for Strategic Initiatives. These initiatives included participation in the Bank Secrecy Act Advisory Group, 314(b) information sharing initiatives, and the Wolfsberg Group as well as managing the day-to-day liaison with FinCEN, the U.S. Treasury, senior financial crimes policy officials at the OCC and Federal Reserve, key law enforcement agencies, and the U.S. Department of Justice. He also spent several years as the Financial Crimes Executive for the Global Wealth and Investment Management business lines where he served as the designated Anti-Money Laundering Compliance Officer for Merrill Lynch and U.S. Trust.

Craig has an undergraduate degree from the University of Michigan and a law degree from the Northwestern University School of Law.

Carole House is a strategic technology executive who has spent her career focusing on leveraging innovative technologies to combat national security threats. She is the founder and CEO of a strategic technology and national security advisory practice, Penumbra Strategies, and serves as a Distinguished Senior Fellow at the Association for Certified Anti-Money Laundering Specialists (ACAMS) and a Senior Fellow at the Atlantic Council GeoEconomics Center. Carole recently departed the White House National Security Council (NSC) as Special Advisor for Cybersecurity and Critical Infrastructure. She previously served as the NSC Director for Cybersecurity and Secure Digital Innovation.

John Wagner has more than 40 years of regulatory, compliance, and risk management experience and serves domestic and international clients, principally focusing on a company’s compliance, risk management and reputational risk when facing AML/Office of Foreign Assets Control (OFAC)/sanctions regulatory or criminal enforcement actions. These services includes C-Suite training, AML/sanction risk assessment development and reviews; AML/sanctions compliance program development and implementation; C-Suite and AML Officer program oversight and monitoring; customer due diligence assessment and enhancement; suspicious activity monitoring and reporting technology and implementation; training program strategies and execution; compliance program remediation; examination strategies and planning; performance reviews; independent testing execution and assessment; forensic investigations; and expert witness testimony. Engagements serve various types of financial institutions including global domestic and foreign depository institutions, global and domestic non-bank financial institutions (fiat and Blockchain Digital Asset related businesses), casinos, and broker dealers.

Prior to joining Deloitte, Mr. Wagner was the Director for Bank Secrecy Act and Anti-Money Laundering (BSA/AML) Compliance Policy at the Office of the Comptroller of the Currency (OCC). After 32 years with the OCC, he was one of their most senior AML officials at the time of his retirement in May 2014. As Director he was responsible for briefing the Comptroller of the Currency and senior management on issues and recommendations related to BSA changes, creation of OCC and interagency industry guidance; supervisory implications to proposed regulatory and international standards, advisor to OCC’s enforcement committee; examiner training; and acting as the primary liaison to FinCEN, Treasury, OFAC, and the other Federal Banking Agencies. Mr. Wagner also led several OCC committees and working groups offering policy and supervisory direction as well as guidance on remedial actions, innovative supervisory risk identification methodologies, and training initiatives.

Prior to being appointed Director, Mr. Wagner had extensive field examination experience, spending almost two decades as an examiner leading and supporting OCC high profile AML/sanctions examinations across the U.S. as well as internationally. During this time, Mr. Wagner led many critical, high profile, and complex BSA/AML/sanctions examinations, at times working directly with law enforcement, which frequently resulted in regulatory enforcement actions including some civil monetary penalties.  Mr. Wagner also mentored, developed, and trained OCC and FFIEC examiners in examination techniques and BSA/OFAC requirements/expectations. Mr. Wagner was selected as OCC’s sole representative in the creation of the first (2005) FFIEC BSA/AML Examination Manual and, as Director, was responsible for the periodic updates.

Mr. Wagner was also the primary liaison to foreign government representatives on AML matters. Mr. Wagner advised and was a U.S. representative to international organizations, such as Financial Action Task Force, Basel’s AML Experts Group, and International Monetary Fund. Mr. Wagner also coordinated supervisory activities and enforcement matters with foreign governments. Mr. Wagner was responsible for developing and providing training to bank supervisors worldwide, including overseas in Barbados, Peru, Chile, and the United Arab Emirates.

Mr. Wagner currently serves as a Board member of the U.S. Capital Chapter for the Association of Certified Anti-Money Laundering Specialists (“ACAMS”).

Barbara is a Certified Anti-Money Laundering Specialist (CAMS) and, as Principal at BIKConsulting LLC, she currently consults on anti-money laundering/countering the financing of terrorism (AML/CFT) regulatory issues. Barbara also co-leads workshops on AML compliance for financial intelligence units and central bankers in emerging market countries under the auspices of the Financial Services Volunteer Corps. In addition, she served as an Examination Task Force Vice Chair for the recent revision of the CAMS examination and study guide.

Barbara retired from federal service in August 2013. She spent the last four years of her federal career in a senior executive position at the Financial Crimes Enforcement Network, FinCEN, where she oversaw the activities of the compliance and enforcement offices. She joined FinCEN in 2009 after 26 years with the U.S. Government Accountability Office (GAO). As an assistant director at GAO, she managed many assignments dealing with AML compliance and enforcement, and interagency cooperation and coordination.

Barbara serves on the boards of directors of the ACAMS US Capital Chapter, Women in Housing and Finance, and Global Ties U.S.

Email: keller.barb@gmail.com

Dennis M. Lormel has 51 years of distinguished professional experience fighting fraud, money laundering, terrorist financing and related challenges.  He spent 31 years in federal government service, 28 of which were as an FBI Special Agent.  For the past 20 years, he has been a private sector consultant.  

Mr. Lormel is the founder and President of DML Associates, LLC.  He provides risk advisory consulting services and training related to a wide range of anti-money laundering compliance and financial crimes matters.  Mr. Lormel has provided thought leadership on matters to include terrorist financing, financial crimes, corruption and money laundering through consulting engagements, and through speaking and training events at hundreds of industry conferences, as well as law enforcement and academic schools. He also shares his insight through news media interviews and as author of subject matter expert white papers addressing the current and evolving financial crime and terrorist financing environment.  

Mr. Lormel is a current member of the Association of Certified Anti-Money Specialists (ACAMS) Advisory Board.  He also serves as a guest lecturer at prominent colleges and universities.  Mr. Lormel recently completed a two-year term as the President of the Society of Former Special Agents of the FBI.   

In his illustrious career in the FBI, Mr. Lormel amassed extensive major case experience as a street agent, supervisor and senior executive.  As Chief of the Financial Crimes Program, following the terrorist attacks of 9/11, he established and led the elite Terrorist Financing Operations Section.  For his visionary contributions in planning progressive investigative methodologies, Mr. Lormel received the U.S. Department of Justice Award for Investigative Initiative and the George H. W. Bush Award for Excellence in Counterterrorism, from the Central Intelligence Agency.  

In his post FBI career, among numerous volunteer activities, Mr Lormel served as an Advisor to the Congressional Anti-Terrorist Financing Task Force and as a Board member for the West Coast AML Forum.  He also serves as the Chair of the ACAMS National Capital Chapter. 

Sepideh brings deep regulatory and operational knowledge of banking, money services business, virtual assets, and fintech from 25+ years of legal and compliance experience in developing and administering consumer and financial crimes compliance programs to exceed regulatory requirements and incorporate industry best practices. Sepideh has held leadership positions as chief compliance or BSA/AML and sanctions officer at several of the financial community’s most respected institutions, community banks, and money services businesses, and served as senior counsel with the American Bankers Association. Sepideh was the recipient of the 2023 American Bankers Association’s Distinguished Service Award for Financial Crimes in recognition of her career and contributions to the banking industry.

Ms. Rowland currently serves as Co-Chair of the U.S. Capital Chapter's Advisory Board for the Association of Certified Anti-Money Laundering Specialists (“ACAMS”) and as Co-Chair of the Editorial Board of the ABA’s Risk & Compliance magazine. Ms. Rowland previously served as the Co-Chair of the Advisory Board for the ABA/ABA Financial Crimes Enforcement Conference and Chair for the American Bankers Association Certified AML and Fraud Professional (“CAFP”) certification program. Ms. Rowland also serves as an Independent Director for Battle Financial.