Dennis is a Vice President and Senior Sanctions Program Advisor within the Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) and Sanctions Program at PNC. Dennis has over 41 years of experience in the financial services industry where he focused his efforts within risk management, compliance, foreign correspondent banking, finance, and banking operations. Prior to joining PNC, he held several positions at Capital One, Standard Chartered Bank, Ally Financial, and Wachovia Bank, a Wells Fargo company where he managed facets of global sanction operations and export control programs. Throughout his career, Dennis has held several leadership positions and has been instrumental in implementing targeted business initiatives to ensure compliance with global list screening, banking regulations and effective sanctions and international trade service remediation requirements.

Dennis earned a master’s degree with a focus in International Business and Bachelor of Science in Accounting from Rosemont College located in Rosemont, PA. He is a founding member of the Greater Philadelphia ACAMS Chapter where he held the positions of Co-Chair and Membership Director. Dennis currently resides in Southwest Florida.

Rich Graham leads the evolution of Moody’s value proposition in financial crime and third-party risk. With over two decades of experience, he brings deep expertise in technologies addressing fraud, money laundering, and sanctions. Rich has advised some of the world’s largest financial institutions, government agencies, and fintechs on complex financial crime technology challenges.

He is a sought-after speaker in the financial crime space, having presented at numerous high-profile conferences and webinars

Raymond Villanueva is a director in Kaufman Rossin’s risk advisory services practice. He brings more than 28 years of law enforcement and investigative experience with emphasis on the Bank Secrecy Act, anti-money laundering, trade enforcement, sanctions, and anti-fraud, as well as international collaboration and information sharing.

He has extensive experience in evaluating and mitigating risks and conducting and overseeing national and international large-scale financial crimes investigations and mitigation programs involving anti-fraud, anti-money laundering, Office of Foreign Assets Control, trade enforcement, and Foreign Corrupt Practices Act, amongst others. Ray has also provided several congressional testimonies on high-level issues of national significance.

Before joining Kaufman Rossin, Ray was a United States Senior Executive Service member, serving as the Special Agent in Charge for Homeland Security Investigations (HSI) in Washington, D.C. He was also the Director of HSI’s Office of International Operations, responsible for the agency’s investigative and diplomatic global efforts in over 53 countries worldwide. Ray was also a member of the United States Delegation to the Financial Action Task Force (FATF).

As a frequent speaker at industry events and panels, Ray has been quoted in financial news, professional publications, books, and several national and international financial typology reports, including some adopted by FATF.

Ray is a member of the Association of Certified Anti-Money Laundering Specialists (ACAMS), is a Certified Anti-Money Laundering Specialist, and a Board Member of the ACAMS U.S. Capital Chapter. A native of Puerto Rico, he is fluent in Spanish and English.