Emmanuel is a Compliance Director with Chartwell and brings more than 21 years of experience to the Company, having worked with various financial institutions, his most recent role as Vice President BSA Officer of Meridian Bank; a billion-dollar bank headquartered in Malvern, Pennsylvania.
Emmanuel has been deeply involved, for the majority of his work life, in BSA and Consumer Compliance and has successfully managed compliance programs for various money services businesses in Texas and California, and community banks in Pennsylvania. Emmanuel has experience with customer bases in diverse geographical locations such as Venezuela, Uruguay, Dominican Republic, Mexico, and Israel.
His specific expertise in the Bank Secrecy Act and Anti-Money Laundering (AML) space for non-bank financial institutions covers currency exchange, check cashing, and money transmission, which means he is able to share relevant knowledge and skills to effectively service Chartwell customers. For banking institutions, his AML skillset extends into foreign correspondent banking, bank note trading, vendor management, physical security, cyber and information security. Emmanuel has also implemented and managed consumer compliance programs covering Truthing In Savings Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Privacy, Dodd-Frank regulations such as TILA-RESPA and related mortgage banking regulations.
Emmanuel is ACAMS certified and an ACFE member. He was born and raised in Houston, Texas, moved to Los Angeles, California and settled in Pennsylvania, where he has been happily married for seven years with two rambunctious boys. An avid nature and portrait photographer, he also loves anything technical, including building computers, and consuming historical, comedy and true crime podcasts.