Speakers

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	Susan Panzer Chief Audit Executive Commerzbank Susan Panzer is currently the Head of Internal Audit Americas for Commerzbank AG. Prior to joining Commerzbank she was the Global Internal Audit, Anti-Fraud and Client & External Audit Executive – Computershare. Throughout her career she has worked to transform governance functions into commercially rational, risk-conscious teams. Components of her success model include creating risk awareness across company entities and employees, optimizing audit strategies, expanding organizational boundaries, and introducing technology to facilitate communication, monitoring and oversight. Prior to her role with Commerzbank, Ms. Panzer spent over 20 years on the business side of the financial services industry.

	Lukas Babiak Senior OCC Examiner Office of the Comptroller of the Currency Lukas Babiak is the BSA/AML Lead Examiner for International Banking Supervision (IBS) in the Office of the Comptroller of the Currency (OCC). In this position, Mr. Babiak is responsible for oversight and coordination of the OCC’s BSA/AML supervisory activities of the agency’s Federal Branches and Agencies Program - IBS. Prior to this assignment, Mr. Babiak spent four years as a Bank Examiner supervising banks in the OCC’s Mid-size and Community Bank Division in the greater New York Area. Previously, before being hired at the OCC in 2012, Mr. Babiak spent seven years in various BSA/AML related roles in retail, investment, broker-dealer and private banks.

	Sandy DePoalo Managing Director, Global Head of Financial Crimes Compliance BNY Mellon Sandra DePoalo is the Global Head of Financial Crimes Compliance for The Bank of New York Mellon, including Anti-Money Laundering (AML), Sanctions, Anti-Bribery and Corruption and Anti-Tax Evasion. Prior to this role, she held several positions at the company, including the Global Head of AML, Head of International AML and AML Monitoring, with oversight responsibility for Compliance’s AML program internationally and its AML testing and Risk Assessment program across the company. Sandra was appointed to that position in July 2012, after serving more than three years as Global Head of Legal, Compliance and AML/KYC Audit. Sandra Joined BNY Mellon in 2009 following nearly 24 years with Merrill Lynch, where she was a First Vice President and Audit Manager in the Corporate Audit department, responsibile fot the firm’s audit coverage of AML, Legal, Compliance, Research, Investment Banking and Global Private Equity. Previously, Sandra was the Global Economic Sanctions Counsel in Merrill Lynch’s Anti-Money Laundering Compliance group. In this role she was responsible for issues involving OFAC and global economic sanctions, including the development and implementation of a firm-wide global sanctions screening system. Additional responsibilities included money laundering prevention, FCPA compliance, government official entertainment, political contributions and lobbyist registration and reporting. Sandra held various roles in her tenure at Merrill Lynch, including Senior Counsel in the Regulatory Law group, Counsel in the Corporate Law department and Compliance Counsel for the Municipal Markets department. She received her Bachelors of Arts from Douglass College – Rutgers University and her Juris Doctorate from Pace University School of Law. Sandra is admitted to practice law in New York and New Jersey.

	Alan Gallo Executive Vice President, Chief Audit Executive American Express Alan Gallo is a well-reputed executive with deep experience spanning Finance, Strategy, Business Transformation, M&A and the payments industry. During his 30+ years at American Express, Alan has come to be considered an outstanding and inspirational leader, having led global teams of up to 2,000 employees. Alan currently serves as the Chief Audit Executive and head of the Internal Audit Group, providing strategic leadership on internal and external audit, compliance, and risk matters. Alan reports functionally to the Audit and Compliance Committee of the Company’s Board of Directors, and administratively to the Chairman and CEO. Alan is also a member of American Express’ Executive Committee, which consists of senior leadership responsible for developing the Company's strategic direction. Previously, Alan led Global Business Services, where he oversaw procurement and supplier management, real estate and workplace experience, training for customer service representatives, as well as sales support and insights. Alan is passionate about supporting the community and serves on the boards of Brooklyn Community Services and The League Education and Treatment Center, both of which are Brooklyn-based non-profit organizations. He also serves on the New York Leadership Council of the Nature Conservancy. He currently serves as Chair of the Alumni Council for NYU Stern, and previously served as the Council’s Development Committee Chair.

	Theresa Grafenstine Managing Director, Internal Audit, Cyber & Information Security, Third Parties & Business Continuity Citi Terry Grafenstine joined Citi as a Chief Auditor in April 2019 and has global responsibility for providing assurance on Cyber/Information Security, Continuity of Business (CoB), and Third Parties. Terry has over 27 years of experience in the internal auditing and information technology profession. Before joining Citi, Terry was a Managing Director in Deloitte’s Risk and Financial Advisory practice where she provided executive coaching to Chief Audit Executives across all commercial industries and IT audit, risk, and governance advisory services to senior leaders in the defense and national security space. Prior to joining Deloitte, Terry served for eight years as the appointed Inspector General of the U.S. House of Representatives, where she designed, managed, and delivered audit and investigative services, including a comprehensive cyber assurance program. Through her leadership roles as ISACA’s Global Chair, as a member of the AICPA board of directors, and as a founding member of the IIA’s American Center for Government Auditing, Terry has helped to advance the information technology, governance, internal auditing, and accounting professions and speaks globally on cyber security, internal auditing, leadership, and risk. She has received numerous awards and accolades, including FedScoop’s “Golden Gov Federal Executive of the Year,” the Greater Washington DC Society of CPAs “Government CPA Leader of the Year”, the NY Metropolitan ISACA Chapter’s “Joseph J Wasserman Cyber and Governance Leader of the Year,” and ISACAs “Common Body of Knowledge” and “Best International Conference Speaker of the Year” awards. In 2019, the Institute of Internal Auditors (IIA) recognized Terry as one of the “Top Ten Audit Thought Leaders of the Decade” and also inducted Terry into their Hall of Distinguished Audit Practitioners, the highest honor given by the IIA’s North American board for the accomplishments and contributions made by individuals to advance the internal audit profession. Terry holds a bachelor’s degree in Accounting from Saint Joseph’s University (Philadelphia, PA) and is a Certified Public Accountant (CPA), Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA), Certified Internal Auditor (CIA), Certified In Risk and Information Systems Control (CRISC), Certified in the Governance of Enterprise IT (CGEIT), and Chartered Global Management Accountant (CGMA).

	David Iacucci Vice President, Internal Audit American Express David Iacucci, CPA and CRCM, is a Vice President and Audit Leader at American Express. David is responsible for leading operational, compliance, and technology audits over credit and prepaid cards, digital capabilities, consumer acquisition, network and merchant services, fee based services, data governance, and product management. Previously, he was a Senior Auditor within the Risk Assurance practice at PricewaterhouseCoopers LLP, where he performed financial statement and technology audits as well as third party assurance reviews. David has a Master of Science in Accounting and a Bachelor of Science in Accounting and Information Management and Technology from Syracuse University.

0	Anders Land Global Head of Audit QBE Insurance

	Jack McNamara Managing Director BNY Mellon With over 35 years of professional experience, Jack has held numerous positions in the Financial Services industry including Merrill Lynch for over 12 years, with various leadership roles in Internal Audit, Compliance, and Risk Management. Prior to that he worked at JP Morgan where Jack was head of the Global Markets Technology Audit team and the Derivatives Business Audit team. Jack started his career in the Big 8 Accounting firm, Coopers & Lybrand. Since 2009, Jack has been a Managing Director in the Internal Audit Division of the Bank of New York Mellon (BNYM). He is a Deputy Chief Auditor and currently has global audit responsibilities for Operations, including service delivery hubs based in New York, Oriskany, Pittsburgh, Wilmington, Central Florida, Manchester, Poland, and India. He also provides oversight to all audit activities in the Latin America region. He reports directly to the Chief Audit Executive. In this capacity, Jack is responsible for developing audit strategy, setting strategic direction, overseeing execution, and ensuring the overall quality of the audit processes and products for the global Operations. Jack manages a dedicated team of approximately 40 auditors based in the US, and has matrix responsibility for the Operations auditors dispersed across Europe, Asia Pacific, and India. Jack is the Chair of the Securities Industry and Financial Markets Association (SIFMA) Internal Audit Society (IAS).

	John Mulligan Global Head and Executive Vice President of Markets Risk and Model Risk Audit HSBC John joined HSBC in May 2014 as global head of the Traded and Model Risk Audit teams. In 2015, he also assumed responsibility for coverage of Capital Planning including the CCAR/DFAST process. He is a member of the Internal Audit MANCO committee. He previously worked as Head of Market Risk and Treasury global audit for Citibank where he worked for 11 years and was responsible for global audits of Citi’s Market risk function including governance, oversight, monitoring, and reporting including Basel 2.5/3 Market risk related activities. In addition his teams audited the liquidity and balance sheet management areas globally for Citi. Prior to that John was the head of the Global Liaison Audit Team for Model and Market Risk and TreasuryBefore joining Citi he spent a year as a proprietary trader for Daiwa Capital Markets in New York. John spent the 18 years prior to that as the Treasurer and Head of Capital Markets for Unibank (Denmark- now part of Nordea Bank) North America. He served on the local and global ALCO committees and was responsible for trading and sales, funding and portfolio management for the banks USD based activities. He started his career as a money market and FX trader at Chase Manhattan Bank in New York in 1980. He has a Bachelor of Science in Accounting from New York University and holds a FINRA Series 7 license.

0	Ketan Pandit Chief Information Officer QBE North America

	Gigi Pantelidis Audit Director, AML Citi Gigi Pantelidis is currently the Audit Director of the North America Anti-Money Laundering (AML) Compliance Know Your Customer (KYC) team, working closely with both the risk-based audits and Consent Orders AML teams. Gigi brings a wealth of knowledge to her role with 24 years of Internal Audit experience in the financial services industry. In her 4 plus years at Citi she has held Senior Manager roles on the AML Consent Order Validation Team and most recently on the KYC Audit Team. Gigi started her career at JPMorgan Chase followed by BNY Mellon both in Internal Audit roles within Investment Bank Capital Markets, Broker-Dealer Compliance and was Group Manager of the AML Global Functions Team responsible for audit coverage of Legal, Compliance, AML and Ethics & Culture. Gigi has a Bachelor of Science degree in accounting and economics from CUNY Queens College. Gigi is fluent in Spanish and Italian, and is a Certified Anti-Money Laundering Specialist.

	Jon Potter AML Risk Management Director Citi Jon has over 15 years of experience in the financial services industry and is currently a Director within Citi’s Anti-Money Laundering (AML) organization.As head of Risk Frameworks and Oversight in Citi’s AML Compliance Risk Management organization, Jon is responsible for the firm’s AML customer risk scoring and screening methodologies, the AML regulatory supervision process for the lines of business and the governance of Citi’s customer due diligence program. Previously, Jon led a firm-wide analysis of foreign privacy laws and their impact on the cross-border movement of data associated with operating an AML program at a global bank, and created a risk coverage framework to gauge the health of the customer due diligence program across the bank’s business lines. Jon holds a BSc in Economics from the University of Southampton, UK.

	Micaela Sadati Internal Audit Director American Express Micaela Sadati, CRCM and CAMS is an Internal Audit Director and Team Leader in the Internal Audit Group Compliance team at American Express. She has over 14 years of cross continent experience in assessing financial institutions’ operational and regulatory compliance standing and reputation, specializing in AML, Regulatory Compliance, Data Analytics, Costumer Advocacy, Products and Services. Micaela holds a Master and Bachelor of Science in Business Economics from Gothenburg University. Micaela is currently pursuing a second Master’s degree in Business Management at Harvard University. Prior to joining American Express, Micaela has 5 years of public accounting experience at Smith & Williamson, in Sweden, She managed global audit and advisory engagements, requiring the oversight and administration of large teams. Demonstrated agility by working in multiple industries, lines of service, and office locations whilst managing client and internal expectations in delivering high quality work.

	Patrick Simonnet Chief Audit Executive Bank of China Patrick Simonnet is a New York-based Managing Director and the Chief Audit Executive (CAE) of Bank of China for the USA. Patrick was previously the Global Head of Audit for Market Behavior & Conduct at Credit Suisse between 2014 and mid-2019. In this role, Patrick assumed global responsibility for the audit coverage of market conduct risk, including the related legal, compliance and regulatory programs and activities. Patrick has enjoyed a long career within banking and financial services. He worked at JP. Morgan Chase in 2011-14, where he was an Executive Director within their Internal Audit department for the Investment Bank and their regulatory change program consecutively. Originally from Paris, Patrick held a number of control and business roles with the Banque de France and the French Futures and Options Exchange and Clearing House (aka MATIF). Patrick also spent 14 years with Goldman Sachs in Paris, London, New York and Chicago, in various Operations, Finance & Technology roles and ultimately leading the Americas regional Audit program.

	A Michael Smith Chief Audit Executive NASDAQ Michael has more than thirty years of experience in Information Technology (IT) Internal Audit, Cybersecurity, Privacy, IT, Governance Risk and Compliance and national/international regulatory requirements. He is currently the global Chief Audit Executive at Nasdaq. Previously, Michael was responsible for PwC’s US Internal Technology Audit Services practice for Financial Services companies and led projects in all financial services sectors. He has a strong international background having lived and worked in Europe and led teams in EMEA and APAC. His comprehensive financial services background allows him to provide insights on all aspects of information technology strategy, risk, and control; and to provide invaluable assistance in dealing with regulators and their expectations and requirements. Michael’s primary area of focus was designing strategies for deploying technology audit in large financial services organizations and transaction processors. He has an unmatched background of public and private industry experience which enables him to construct approaches to managing information technology risk that maximize the risk management capabilities of any size Internal Audit organization. Michael also led the Blockchain Assurance practice globally. In that capacity, he helped clients deal with the complexities of risk, control and assurance in Blockchain infrastructures. He was responsible for PwC’s patented Risk and Control Framework (RCF) for Blockchain that was released in 2018 and represents the only comprehensive RCF for Blockchain in existence. Prior to joining PwC, Michael was the Global Director of Technology Audit for the Bank of New York Mellon and was also a Partner at Deloitte.