AFC Trends & Typologies: SAR/STR Trends and Implications for 2025

Dr. William Scott Grob is a financial-crime and risk leader specializing in AML, sanctions, fraud, and emerging typologies. He previously served as director of research and analysis at ACAMS, leading global research on enforcement actions and SAR/STR trends and delivering practitioner-focused training for financial institutions, regulators, and law enforcement partners. He brings more than 25 years of experience across Freddie Mac, Deutsche Bank and HSBC. He holds a Doctorate in Management, completed Harvard Business School’s General Management Program, and maintains multiple industry certifications.

Arjen Berghouwer is the Head of FEC Intelligence and Investigations at ING Belgium, where he joined in November 2020. Prior to joining ING Belgium, Arjen worked 4.5 years in the United States for Citibank's global financial crime investigations unit and 8 years in Mexico for various financial institutions. Apart from overseeing global complex investigations, Arjen has been mainly involved in global project implementations and regional Compliance oversight roles. He started his career within the financial crime compliance field in 2005 with ABN AMRO in Amsterdam where he worked on a global project to re-assess the KYC client risk scores for all client segments.

George is a global expert anti-financial crime at ACAMS and member of ACAMS' global SMEs team. He previously headed the Paris branch of a leading corporate intelligence consultancy and has strong credentials in corporate investigations and political risk analysis.

An ACAMS-certified global sanctions specialist (CGSS) and certified anti-money laundering specialist (CAMS), he has expertise in the geopolitics, security and economics of wider Europe and the former Soviet Union. George has written extensively on international affairs and has published to date two books and hundreds of articles.