Andres Fernandez – Partner
Holland & Knight LLP

Andres “Andy” Fernandezis a partner in Holland & Knight’s Miami office, co-leader of the firm’s Financial Services Regulatory Team, and leader of the firm’s Cuba Action Team. He practices in the area of banking law and financial services, with a focus on licensing, regulatory and compliance matters. With an emphasis on issues pertaining to the Bank Secrecy Act (BSA), anti-money laundering (AML) and Office of Foreign Assets Control (OFAC), including recent sanctions issued under the Magnitsky Act, Mr. Fernandez counsels a broad range of clients such as domestic community banks, foreign banks, broker dealers and money service businesses (including virtual/digital currency). His fluency in Spanish helps clients in the United States as well as Central and South America.

Mr. Fernandez has represented financial institutions in such diverse matters as the establishment of U.S. offices and branches of foreign banks, the de novoformation of financial institutions, the resolution of regulatory enforcement actions against financial institutions, the representation of financial institutions before various regulatory or enforcement agencies as well as the resolution of potential civil and criminal monetary penalties, fines and forfeitures before U.S. regulators (Federal Reserve, OCC, FDIC, FINRA and the SEC), FinCEN, OFAC and the U.S. Department of Justice.

He began his legal career as a public defender in Miami-Dade County, Florida, where he tried numerous jury trials to verdict. With this background, he was able to expand his practice into areas of commercial litigation at a boutique law firm, and then rise as the co-chair of the banking and financial services practice at another Florida-based law firm. Beyond his active legal practice, Mr. Fernandez is an avid public speaker at regional and international banking conferences and training seminars. He also serves as an adjunct professor at the Florida International University College of Law teaching a course on BSA, AML and OFAC.

Craig Hirsch – Senior BSA/AML Lead Expert Risk Specialist
Office of the Comptroller of the Currency (OCC)

Craig Hirsch is a Senior BSA/AML Lead Expert Risk Specialist for the Office of the Comptroller of the Currency (“OCC”). In his current role, he primarily provides support and consultation to field examiners at large and mid-size banks, co-manages a centralized analysis project for CTR/SAR filings, is involved with interagency initiatives, provides senior management quarterly updates, assists in the development of new/revised policy guidance/regulation, and participates in select high-risk exams. He has also led BSA/AML/OFAC examinations for some of the agency’s highest risk banks, including financial institutions with enforcement actions and high-risk activities. Mr. Hirsch is an instructor for the OCC’s domestic and foreign AML Schools, the FFIEC’s Financial Crime seminar, and has spoken at various industry conferences on a wide range of BSA/AML/OFAC topics. He has written articles on BSA/AML and fraud, which have appeared in national publications. He is a Certified Anti-Money Laundering Specialist, Certified Professional in Anti-Money Laundering, Certified Fraud Examiner, and Certified Public Accountant.

Daniel Haggerty – Principal Examiner and co-lead for Governance and Controls Discussion Group for the Large and Foreign Bank (LFBO) portfolio,
Federal Reserve

Dan Haggerty is a Principal Examiner on the BSA/AML Risk Supervision Team of the Federal Reserve Bank of Atlanta. Dan conducts BSA/AML examinations for systemically important financial institutions, large regional banks, and the US operations of foreign banks. Prior to joining the Federal Reserve Bank of Atlanta, he was a manager at Protiviti in the Regulatory Risk Consulting Group. His responsibilities involved remediating enforcement actions and implementing/assessing AML transaction monitoring systems.

Dan joined the Supervision and Regulation Department in January 2012. He holds an MPA degree from John Jay College of Criminal Justice and a Bachelor of Science degree in Criminal Justice and Political Science from Florida State University

Eleazar Gil – Financial Control Analyst
Florida Office of Financial Regulation

Eleazar is a Bank Examiner/BSA Specialist for the State of Florida Office of Financial Regulation. He is located in Tampa, Florida. His responsibilities consist of making sure that are operating legally and safely, in accordance with bank regulations. Prior to employment with the OFR, Eleazar was a Principal Examiner with the Office of the Commissioner of Financial Institution (OCIF) in San Juan, Puerto Rico, for approximately 19 years. During this time and in OFR, he participated in numerous schools given by federal regulators and specialized training at the federal training facility FLETC , Georgia, in international banking and money laundering and in financial forensics.

Santiago Granja
FDIC