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IMTC USA 2015CONFERENCE LAYOUT

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IMTC USA 2015 AGENDA

IMTC

PRE-CONFERENCE

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IMTC USA 2015

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TRADE FAIR LAYOUT

IMTCTRADE

FAIR

GOLD BRONZEPLATINUM

1. Merchants Bank 2. Global Vision

1. Verafin2. Uniteller-Banorte3. Reserved4. The Spark Group

1. MTBIT2. Pillsbury 3. Lunex4. Cuallix

SILVER1. Chetu 2. Xpress Money

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IMTC USA 2015 AGENDA

Nation Wide Currency Collections and Delivery Services

Remotely Created Check Capabilities

7:30PM PST Cut Off Time For Your Remote Deposits

For More Information Call 800-850-2265 or Email us at TreasuryMgmt@Merchantsbankca.com

O F C A L I F O R N I A N . A .

Our signature service redefines banking by establishing an emphasis on meeting our customers needs, while offering

products that focus on eliminiating all logistical boundaries.

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IMTC USA 2015 AGENDA

SEE YOU IN ISTANBULIMTC EMEA 2015

You’re busy, and you need a professional with a proven track record of delivering results. At Scott Bond Services, we are your advocate. We coordinate with multiple markets while providing a combination of service, pricing and terms that is second to none.

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Let Scott manage your surety bond program..

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Supporting member since 2001

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MTCC

CONNIEFENCHEL

AML EXPERTS

LAURAGOLDZUNG

AML AUDITSERVICES

ZORYMUÑOZ

XOOMYOUR

INST

RUCTO

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NOTE: Certificates will be awarded by IMTC to all course participants that pass the test that will be administered online after the course is taken. The certificate will be emailed to you when you pass. You have several chances to re-take the test.

MONEY TRANSFER COMPLIANCE

CERTIFICATION COURSE

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IMTC USA 2015

NOTE: Certificates will be awarded by IMTC to all MTBIT participants. The certificate will be emailed to you after the Conference.

MTBIT

REMITTANCES &BLOCKCHAINS

MTSC

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NOTE: Certificates will be awarded by IMTC to all course participants that pass the test that will be administered online after the course is taken. The certificate will be emailed to you when you pass. You have several chances to re-take the test.

MONEY TRANSFER SYSTEMS

CERTIFICATION COURSE

Verafin’s industry leading fraud detection and anti-money laundering software helps financial institutions ensure BSA/AML compliance and protect against fraud. FRAML (FRaud detection + AML) facilitates an enterprise risk management approach. Its holistic view of customer activity results in highly effective suspicious activity detection and enables significant operational efficiencies.

To access Verafin’s free educational resources including white papers, webinars, ebooks, and more, visit us online at verafin.com/resource-center.

ONE SOFTWARE PLATFORM

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¡ Transaction Monitoring ¡ Behavior-based Alerts ¡ Customer Risk Scoring ¡ Case Management ¡ Electronic CTR/SAR Filing ¡ Customer Due Diligence ¡ Watch List Checking ¡ Vendor Management

DETECT / INVESTIGATE / REPORT

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¡ Money Laundering ¡ Card Fraud ¡ Common Point of Purchase ¡ Online Banking Fraud ¡ Check Fraud ¡ Identity Theft ¡ New Account Fraud ¡ Internal Fraud

VERAFIN:A step ahead of financial crime

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IMTC USA 2015 SPEAKERS (A-Fl)Jeanette BLANCOJeanette is a Senior Product/Regulatory Counsel at PayPal, Inc., responsible for providing legal guidance for the development of new products at PayPal. Along with a team of lawyers, she works with strategists, product developers and government officials to help PayPal navigate the myriad of state, federal and international laws that apply to its business and products, supporting development of new products, payments operations, and compliance with licens-ing requirements for the U.S. and Canada.She received her undergraduate degree from The University of Florida and her law degree, with distinction, from Emory University.

Luis BUENAVENTURALuis built his first web application, a prototypal social network, while a college senior at UP Diliman in 2001. In 2009, his startup Syndeolabs was acqui-hired by Exist Global. Today, Luis is the head of product at Satoshi Citadel Industries, and co-founder of Rebit.ph. After discovering Bitcoin in early 2014, his passion for the technology has become relentless. He frequently writes about Bitcoin, remittances and mobile money and has been published by Coindesk, Cointelegraph, Bitcoin Magazine, Tech in Asia, Rappler, TechCrunch and The Next Web.

Daniela CUEVASDaniela is the founder and president of The Spark Group, a digital marketing and social media agency based in New York. The Spark Group works with clients throughout all industries, and has worked closely with various clients within the money transfer industry to create, execute, and manage integrated online strategies. Daniela found her passion in technology and digital mediums, which she uses to architect brand stories, to connect companies with their customers, and to gain valuable insights and analytics. Daniela holds a BA in Communications from New York University where she graduated in 2009.

Hugo CUEVAS-MOHRHugo is President of Mohr World Consulting, a consultancy based in Miami. Hugo has been a consultant since 2001 for a number of financial institutions in the Money Transfer Industry in Latin America, the US and Europe. Previously he lead the expansion of the first MTO network in Latin America and has been in the Money Transfer Business since 1987. He is a speaker at many international Conferences. In 2011 Hugo took over IMTC Conferences continuing the Miami Conference as IMTC WORLD and developing IMTC USA, IMTC BRASIL, IMTC EU/MENA (2015) and IMTC ASIA (2016). He holds a BS from WPI, a MS from Auburn U. and a Post-Graduate degree from the U. de Louvain in Belgium.

Ed D’ALESSIOEd is General Counsel to FiSCA – Financial Service Centers of America, and a partner in the firm of Winne, Banta, Hetherington, Basralian & Kahn, P.C. He co-leads FiSCA’s Government Relations efforts and works closely with FiSCAs lobbying firms on legislative and regulatory strategies. He has represented FiSCA with the CFPB as well as in meet-ings with key legislators and important non-profit advocacy.FiSCA is a national trade association that represents more than half of the nation’s neighborhood financial service outlets across the United States.

Connie FENCHELConnie has a broad range of law enforcement, regulatory and management expertise in the areas of regulatory com-pliance, financial crimes and customs violations comprised of over 30 years of government and private sector experi-ence. She is the President of AML Experts, Inc., an independent consulting firm specializing in AML, BSA and customs matters. Her expertise includes independent reviews and investigations, threat/risk assessments, domestic and international training, expert testimony and AML program development. Her clients include banks, MSBs and a range of new payment companies throughout the US. Connie holds a MS in Management from National Louis Univ. and a BS in Criminal Justice from the U. of S. Florida. Connie is part of IMTC’s Advisory Board.

Verafin’s industry leading fraud detection and anti-money laundering software helps financial institutions ensure BSA/AML compliance and protect against fraud. FRAML (FRaud detection + AML) facilitates an enterprise risk management approach. Its holistic view of customer activity results in highly effective suspicious activity detection and enables significant operational efficiencies.

To access Verafin’s free educational resources including white papers, webinars, ebooks, and more, visit us online at verafin.com/resource-center.

ONE SOFTWARE PLATFORM

ü

¡ Transaction Monitoring ¡ Behavior-based Alerts ¡ Customer Risk Scoring ¡ Case Management ¡ Electronic CTR/SAR Filing ¡ Customer Due Diligence ¡ Watch List Checking ¡ Vendor Management

DETECT / INVESTIGATE / REPORT

ü

¡ Money Laundering ¡ Card Fraud ¡ Common Point of Purchase ¡ Online Banking Fraud ¡ Check Fraud ¡ Identity Theft ¡ New Account Fraud ¡ Internal Fraud

VERAFIN:A step ahead of financial crime

Tom FLEMINGMr. Fleming has over 46 years experience in both the financial services industry and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) compliance. Most recently he was the Assistant Director for the Office of Compliance at the Financial Crimes Enforcement Network (FinCEN) responsible for ensuring industry compliance with the Bank Secrecy Act through active partnerships with regulatory and law enforcement agencies as well as financial institution trade associations. Prior to joining the government he was a banker for over 22 years. During his government career, Mr. Fleming was recognized as an expert and authoritative speaker on BSA/AML issues and has spoken extensively on these matters to audiences throughout the U.S. and abroad over the last 20 years.

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IMTC USA 2015 SPEAKERS (Fo-P)

Miles K. LIGHTDr. Light specializes in Computable General Equilibrium modeling (CGE). He uses quantitative economics to provide expert analysis for policymakers who must consider the benefits and costs underlying most public policy decisions. CGE modeling combines modern economic theory with data to supply measurable regional or national indicators, such as GDP, employment, price effects, production changes, or pollution levels. Dr. Light’s projects vary widely, from the impact of carbon abatement policy upon world fossil fuel markets, to the effects of maritime regulations upon coastal economies on the US eastern seaboard. Dr. Light is based at the University of Colorado in Boulder.

Scott MORGAN Scott Morgan is a successful entrepreneur. Scott has started and/or co-founded over a half dozen business entities focusing on finance and insurance to technology and journalism. He first became interested in virtual currencies and in particular, Bticoin in 2011. Scott is involved in the virtual currency space as Co-Founder and CFO of Airbtiz, Inc., a Bitcoin business directory and mobile wallet; and as the Managing Editor of the BTC Journal, an online publication about virtual currencies.

Laura GOLDZUNGLaura is President and Founder of AML Audit Services, LLC, an anti-money laundering and fraud consultancy spe-cializing in independent testing and compliance consulting services to financial and nonbank financial institutions. Additional expertise includes domestic and international training, design and development of BSA/AML compliance programs, risk assessment and analysis, remediation and corrective action programs, expert witness testimony, and CFPB compliance benchmark assessments. She has worked with institutions that have been referred to enforcement for BSA/AML violations, helping them to bring their AML programs into compliance.

Pablo GONZALESPablo is co-founder and CEO of Bitso, Mexico’s first Bitcoin exchange and first issuer of Mexican Peso (MXN) balances on the Ripple Network. With over ten years of experience in the entertainment industry, Pablo has directed and pro-duced award-winning content for film, video games and advertising. His roaster of clients include Microsoft, Warner Brothers and Electronic Arts. Pablo is a multidisciplinary entrepreneur with an eye for innovation, UX, content crea-tion, and storytelling. He has been living in the Vancouver area for more than a decade and it is now heading back home to Mexico to devote himself full time to Bitso.

Andrew S. ITTLEMANAndrew is a Founder and Partner of Fuerst Ittleman David & Joseph since 2005. He oversees the firm’s work in White Collar Defense and Money Laundering Law. Andrew was born in Philadelphia, Pennsylvania, attended Emory Univer-sity (2001) and University of Miami Law School (2004). His practice includes Federal criminal forfeiture proceedings, complex commercial litigation, international civil litigation and FDA litigation. Besides being a member of the Florida Bar, the Dade County Bar Association he is a member of the National Money Transmitters Association and is a Certi-fied Anti Money Laundering Specialist. Andrew is a member of IMTC’s Advisory Board.

Steve FOWLERStephen Fowler, Co-Founder of Mobetize Corp and President of Telupay Inc, has over 30 years of experience in assisting businesses in the fields of accounting, technology, investment banking and venture capital in North America,and Europe. Stephen earned his B.A. in Business Administration & Accounting in Brighton, Sussex, United Kingdom.In addition, Stephen has also completed the Canadian Securities Course Investment Securities Exam and the BranchManager Exam in investment banking and Chartered Accounting and CPA courses in accounting, law and tax.

Juan MALDONADOJuan co founded Regalii and heads up all of our sales, marketing and business development. Juan is also Regalii’s key spokesperson for events such as the IMTC and is the one responsible for our (2,000 plus) distributor relationships which include La Nacional & Mateo.In addition, Juan has been recognized as an industry expert by the NY Times on all financial matters relating to the Latino Community and was honored with the echoing green 2012 fellowship award for Regalii’s innovative platform (their alumni include Michelle Obama and Barbara Bush)Before founding Regalii, Juan ran Mike Bloomberg’s financial empowerment Center in NY for 3 years & worked on the trading floor at Lehman Brothers 4 years prior.

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IMTC USA 2015 SPEAKERS (R-W)

Salvador VELAZQUEZSalvador graduated from Universidad Iberoamericana with a degree in business and completed an MBA at Instituto Tecnológico Autónomo de México (Itam) in which he graduated with honors in 2005. He is also a certificate Anti Money Laundering Specialist (CAMS) since 2004. He Has more than 30 years of experience working for the financial industry, having worked for BNP Paribas-Belgique and Scotiabank in Mexico. He was part of two successful start-up projects Cibanco in 1984 (México) and Dolex Dollar Express, Inc. in 1998 (USA). Salvador is a well-known expert in the Money Transmitter Industry where his skills and abilities in business development are recognized by all.

Deborah THOREN-PEDEN

Jackie SHINFIELDJackie is a Partner in the Financial Services Group at Blakes [Blake, Cassels & Graydon LLP] in Toronto, Canada.. With over 20 years experience, Jackie is one of Canada’s leading financial services regulatory lawyers. She has extensive ex-perience providing advice in respect of Canada’s anti-money laundering and anti-terrorism financing legislation, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act. She is recognized as a leading banking and finan-cial services lawyer in the following publications: The Best Lawyers in Canada 2013, 2014, and 2015 and IFLR1000: The Guide to the World’s Leading Financial Law Firms – 2008 Edition.

Judie RINEARSONJudie is a partner at Bryan Cave and she is a recognized authority in the areas of prepaid and emerging payment sys-tems, money transfers, electronic payments, crypto/virtual currencies, reward programs, ACH and check processing. She has more than 25 years of experience in the financial services industry, particularly in the areas of compliance with state and federal consumer protection laws, anti-money laundering laws, state money transmitter licensing laws and abandoned property laws. Judie is also the Regulatory Counsel for the Network Branded Prepaid Card Associa-tion (NBPCA) and serves as Chair for the Association’s Government Relations Working Group.

Deborah’s practice focuses on banking, electronic commerce, privacy, anti-money laundering and the Office of Foreign Assets Control regulations. She represents and advises bank and non-bank financial institutions (both domestic and international), money transmitters, high-technology, Internet, telecommunications, insurance and a variety of other types of companies. Her primary area of practice also includes the Bank Secrecy Act, investment products, electronic funds transfers, gift and prepaid cards. She participates on the NACHA Council for Electronic Billing and Payment, and the ATMIA Debit Council, and has participated on other various NACHA working groups. She is a member of the National Retail Association, the Direct Marketing Association, the California Retailers Association.

Alan SAFAHIAlan Safahi is the Founder and CEO of ZipZap, Inc., a technology platform for moving money around the world. A se-rial entrepreneur with nearly 30 years of hands-on experience in the information technology, telecommunications, and financial services industries, Alan has successfully created and managed numerous high technology and payment processing startups. Alan serves on the Board of Bold Financial Technologies and advises several payments related startups. Alan earned a Bachelor of Science degree in engineering from California State University, Fullerton and his M.B.A. from University of Southern California (USC).

Andrew WHITE

Andrew White is based in California and is a tech industry veteran with several years of business development experience. He serves as CEO of One Million Gateways Inc. a digital currency consulting service and as Secretary of the International Ripple Business Association in which he advises companies around the world on compliance and implementation details.

Jiji PARKMs. Park’s practice includes corporate, regulatory, and real estate law. In her regulatory practice, she advises financial institutions, money services businesses, and retail corporations on regulations applicable to electronic funds trans-fers and electronic payments, escheat of unclaimed property, anti-money laundering laws, and privacy. With respect to prepaid access, she has counseled clients on compliance with federal laws such as the Credit CARD Act and the Electronic Fund Transfer Act, and state laws regarding disclosure requirements and restrictions on expiration dates, fees and cash redemption. She has represented prepaid access issuers, program managers and distributors, advising on closed-loop and open-loop programs.

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SEO & SearchEngine Marketing

EmailMarketing

WebsiteDevelopment

DisplayAdvertising

MobileMarketing

InfluencerOutreach

Monitoring&Analytics

Independent Consulting

BrandingVideoProduction

Social MediaMarketing

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As part of our presentation on the Somalian Remittance Crisis at IMTC USA 2015, here are some key aspects that you should know about Somalia, the Somali Diaspora and Somalian Remittances.

A Bit of History

The Somalian1 history is an array of misfortunes; from the European countries’ drive to colonize Africa in the 1800’s dividing the land between Italy, England and France, to the effects of World War II in the territory, only in 1960 some parts of the country became independent and names its first president. But that was only the first chapter of more than 50 years of turmoil, with the Cold War also taken its toll, with Soviet advisors, Cuban troops and US intervention. But the clan disputes have never eased out between Mijertyn, Isaq, Dhulbahante and Marehan clans (among others) and war lords disfigured the country with their atrocities. Somalian pirates became big news with more than 200 attacks of cargo ships in 2011. Add to that mix religion and the last decade has seen the rise of Islamists militias with Al-Qaeda and Al-Shabab fighting any type of political union between the ever-struggling political figures that have decided to lead the country out of the chaos. We do have to mention its neighbors, Ethiopia & Kenya, who have intervened to keep the fights from spilling over the border2 . But it’s innocent civilians that always suffer the most: from around 500,000 to 1’000.000 Somalis have died in the last 20 years, from violence and famine. And it’s innocent people who are again suffering, waiting for their remittances to arrive.

The Somali Diaspora

With a history of conflict Somalis have left the country to seek a better future. There are significant Somali communities in the United Kingdom and the US (150,000 in each country). There are also large Somali communities in the Netherlands (50,000), the Scandinavian countries, Saudi Arabia and the UAE, as well as South Africa and Australia; it’s the largest minority in Finland! Somalis are entrepreneur by nature, establishing businesses to serve their communities and in the Twin Cities (Minneapolis and Saint Paul) in the US, more than 600 businesses are Somali, so much that July 1st was named Somali American Day there. The Somali Diaspora carries with them some of the rivalries that have torn this nation.

Somalian Remittances

Each year, Somali migrants around the world send approximately $1.3 billion to Somalia. Of that, approximately $215 million comes from the US (16%), comparable to the total amount of development and humanitarian assistance that the US government sent to Somalia in 2012 ($242 million). Remittances sustain the survival of 1 out of 4 of the 10 million Somalis living in the country. In the 1970s and 1980s, the usual method of remitting money to Somalia was for Somalis in the Gulf to purchase consumer goods and ship them to their families at home, who sold them for cash. They also used traders using a system known as “Cadeyn”, a sort of Hawala system with trusted clan members ensuring the safety of the system. But when technology advanced and Somalis went farther away from home, MTOs appeared, Forex Brokers that paid remittances in the country and sold the overseas funds to traders and other businessmen. Highly entrepreneurial, Somalis started their own remittance services where their settled serving their communities and as local transfer services grew, regulatory pressures made them establish business entities and seek licenses, develop KYC protocols, etc. Approximately 20 money transfer operators (MTOs) send money between the US and Somalia. Most are small to midsized Somali-owned businesses that were established in the late 1990s and early 2000s. Three of them, Dahabshiil, Amal Express, and Qaran Express, have presence in several markets and in 2009, provided 60% of the remittances to the country. Only 25% it is believed to be done through informal channels nowadays.

1 Somalian is the citizen of Somalia; Somali is an ethnic group/language. But not everyone agrees with this. 2 http://bbc.in/1FxTeF0: A Timeline of Somalian History

The Somalian Remittance Crisis: when remittances are needed the most

By: Hugo Cuevas-Mohr Mohr World Consulting

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STAFF

Sara Llano

Sara was born in Colombia, grew up in Miami and is now living in NYC. She is a recent graduate from the University of Florida and will soon begin her MBA with a focus on entrepreneurship. After graduating she was Operations Manager at a nonprofit organization where she developed her administrative, organizational, and management skills (color-coding is her favorite). Her fearless attitude towards life has led her to follow her dreams of traveling; she recently circumnavigated the world on a 5 month trip. She is fluent in English and Spanish..

Cuca Pacheco

Cuca Pacheco is a photographer and videographer leaving in Miami, FL. She was born in Bogotá, Colombia. She is responsible for the Creative Dept. at IMTC, where she takes care of all the banners, signs and graphic decoration of IMTC Conferences, designs and produces IMTC’s Conference Book and manages photography and video in all IMTC Conferences as well as editing the videos and interviews.She has a B.A. in Anthropology from the Universidad de los Andes in Colombia. In Colombia she was a professor for many years in pre-colombian design and anthropology. She has done several documentaries as well as training and corporate videos.

Karissa Wasoski

Karissa Wysocki joins The Spark Group with over 7 years of experience managing various industry projects including marketing campaigns, commercial photography shoots, special events, trade shows and business conferences. With a flair for planning and managing details and logistics, and an affinity for creating visual concepts and designs, Karissa enjoys bringing her expertise and unique aesthetic to every project. Her past clients include Showtime, Macy’s, Target, Universal McCann, Calvin Klein, David Stark, Vogue and American Express.

Andrea Silva

Andrea Silva is a veteran in the Money Transfer Industry. She started more than 12 years ago in Groupex, where she began her career in Sales and became the Regional Manager in California. She then move to Ria Envia as a Territory Manager where she also worked in Agent Compliance Training. She has also worked with Transfast, Viamericas and Itransfer in both Sales & Compliance. Andrea is originally from Colombia where she graduated from Law School and Political Sciences and it is now getting certified as a Compliance Officer.

Glenda Correa

Luis Sosa

Video andInterviews

Luis Sosa was born in Venezuela and now he lives in Miami, where he works as a TV producer and videographer.He has Worked at Telemundo, Univision and Channel 41 (Miami) . He is also a TV reporter and anchor.

Glenda was born in Denver, Colorado and has lived in Colombia, Mexico and now resides in Miami, Fl. She earned her BA from California Christian University in Psychology and Theology.Glenda is the Vice President in PRINT XPRESSIONS, a promotional products printing company based in Miami, FL and assists a number of corporate events, like the IMTC, with its marketing and promotional needs

Hugo Cuevas-Mohr

Hugo is President and CEO of Mohr World Consulting, a consultancy based in Miami, Florida. Hugo has been a consultant since 2001 for a number of financial institutions in the Money Transfer Industry in Latin America, the US and Europe. Previously he lead the expansion of one the first networks of MTOs in Latin America and has been in the Money Transfer Business since 1987. He is a speaker at many local and international Conferences. Since 2010 Mohr World has been organizing the IMTC Conferences in Miami, Los Angeles, Brazil and Mexico.

see you in ISTANBUL