He has written over 100 articles on AML, represented the banking industry in this area before Congress, state legislatures and international bodies such as the Financial Action Task Force (FATF), and appeared on CNN, Good Morning America, the Today Show, and many other media outlets.John has received a number of awards, including the Director’s Medal for Exceptional Service from the Treasury Department’s Financial Crimes Enforcement Network (Fin CEN) and the ABA’s Distinguished Service Award for his career work in the compliance field.John is a graduate of Marquette University in 1978 and the George Mason University School of Law in 1983.John’s blog, “AML, Fraud and Other Things,” can be found at: is a Director of Internal Audit at American Express.The live course is comprised of: Where needed to introduce topics and establish the foundation for discussions and exercises.
She is an active member of the Institute of Internal Auditors and serves on the Board of Governors for the San Antonio IIA Chapter.
Wendy Hetzel is a Vice President and Audit Manager for Cullen / Frost Bankers, Inc., a Texas-based financial services holding company which includes Frost Bank (B in asset size – within the top 50 largest US banks), Frost Brokerage, and Frost Investment Advisors. Hetzel has been responsible for the development, oversight, and execution of the annual enterprise-wide BSA / AML / OFAC audit program.
She has implemented a risk-based audit program and continually assesses BSA/AML risks within the Cullen / Frost organization, including an international customer base and global products and services.
Goldzung established a consultancy to leverage her skills and expertise, and this eventually led to establishing the AML practice.
She specializes in AML audits and services to small to mid-size broker-dealers and frequently partners on AML projects with other consultants in the field.