Speaker Information
Bios are added as they are received

Dick Angerosa, Vice President, Business Development, JPMorgan Chase Treasury Services
Channel Security: EBT 
Dick Angerosa has over 35 years of Information Technology, Product Development, and Business Development experience, in both the government and private sectors.
Dick previously served as Director of the Customer Applications Center in the New York State Department of Social Services when their Welfare Management System and other public assistance systems including its Electronic Benefits Transfer system were developed.

In 1996, Dick joined JPMorgan, where he has managed the development and implementation of 30 state EBT systems. He has also been instrumental in developing many of the features of the JPMorgan EBT platform, along with other products such as Info Manager, WIC, EBT Account, and Child Care.


John D. Arterberry, Deputy Chief, Fraud Section, Criminal Division, United States Department of Justice
Payment Fraud Trends
Mr. Arterberry has served in the Criminal Division of the United States Department of Justice since 1981 and currently holds the position of deputy chief in the Criminal Division's Fraud Section. He has investigated and prosecuted complex white-collar crime cases in venues throughout the United States.

Among current duties, Mr. Arterberry chairs the Identity Theft Subcommittee of the Attorney General's Council on White-Collar Crime. The Subcommittee serves as the Department's primary mechanism for implementing its identity theft enforcement program. Mr. Arterberry also chairs two of the Department's enforcement coordinating bodies, the national Interagency Bank Fraud Enforcement Working Group and the national Securities and Commodities Fraud Working Group.

Prior to joining the Department of Justice, Mr. Arterberry served as a trial attorney in the Enforcement Division of the United States Securities and Exchange Commission in Washington, D.C. His responsibilities there included investigating violations of the federal securities laws and bringing civil and administrative enforcement actions.

Mr. Arterberry has been a speaker on white-collar crime enforcement topics at conferences and seminars sponsored by the Department of Justice, federal regulatory agencies and bar and industry associations.

Mr. Arterberry holds a Juris Doctor degree from Vanderbilt University Law School and a Master of Laws degree from Georgetown University Law Center.


Dan Barta, Director, Enterprise Fraud & Risk Strategy, SAS
Constructing an Effective Risk Management Program
Dan is part of a team responsible for the development of SAS’ Enterprise Fraud program including the development and delivery of product solutions and consulting. He is also responsible for development of analytical software tools for detecting and preventing fraudulent activity, as well as, the development of tools to address alert management and operational needs of fraud detection and prevention.

Dan has over 20 years experience in fraud investigation, detection and prevention primarily in the financial services industry. Dan began his career in 1987 as a Special Agent with the Federal Bureau of Investigation in Dallas, TX as a member of the Bank Fraud Taskforce responsible for the investigation of numerous failed savings and loans in North Texas. He also investigated several white-collar crimes and defense procurement fraud matters.
In 1994, Dan became a manager with a Big Six accounting firm in their Business Fraud and Risk Services practice. His primary responsibilities included performing internal fraud investigations for client organizations and developing anti-fraud programs.

Dan spent approximately 3 years with Nations Bank/Bank of America in the Liability Risk Management department. During his time with the bank, Dan led the implementation of a check fraud detection software product across multiple sites within the bank. He also managed a team of fraud detection specialists.

From 1999 until April 2008 when he came to SAS, Dan worked for Carreker Corporation managing a delivery team responsible for the implementation of fraud software products. He also performed numerous consulting engagements for clients in the area of fraud and risk operations and optimization of fraud systems and resources. He was also responsible for the development of a fraud alert management product currently utilized by several banks.
Dan is a graduate of Armstrong Atlantic State University in Savannah, GA with a BS in Criminal Justice and from Savannah State College with a BA in Accounting. Dan is a Certified Public Accountant and a Certified Fraud Examiner.

Dan lives in Irving, Texas with his wife Sheryl and children – Nicholas (9) and Kennedy (5). He enjoys tennis, golf and travel.


Philippe Benitez, VP Business Development, Gemalto Financial Services
What is Mobile Phone Security
Since 1993, Philippe has been advising government, telecom and banking clients as they prepare to launch secure services. For instance, Philippe helped mobile telecom operators—serving more than 10 million subscribers—launch secure GSM/3G services to increase revenue and improve customer retention; he managed the University of Texas Medical Branch smart card pilot in 1999, aimed at meeting new HIPAA privacy requirements; Philippe worked with Mexican banks to launch EMV credit cards to reduce fraud in 2004; and he guided government officials in Colombia and Mexico in their evaluation of secure identity documents.

Philippe is currently Vice President, Business Development at Gemalto Inc., where he will be working with financial institutions migrating from magnetic stripe to EMV smart cards, and helping banks launch differentiated services, such as those accessible from their customers’ mobile phones.

Prior to joining Gemalto, Philippe was a consultant with Accenture. He holds a MSc in Systems & Industrial Engineering from Ecole Centrale in Paris, France.


Lori Breitzke, President, E&S Consulting, LLC
Prepaid Card Security
Lori Breitzke is an expert in merchant acquiring, point-of-sale and prepaid card issuing of gift, payroll and general purpose reloadable cards. Her diverse background includes several leading transaction processing companies such as VeriFone, Ingenico, RBS Lynk and First Data. Lori is a frequent trade show and conference speaker and contributes to a number of industry publications. Lori is the co-chair of the ETA Education Committee and a member of the ATMIA. Lori serves as an associate of The Strawhecker Group and owns her own consulting firm, E&S Consulting, LLC.


Gaston Brunet, MBA, Sr. Financial Analyst, Royal Canadian Mounted Police (RCMP)
Houston: We Have a Problem
His career as a Senior Financial Analyst at the Canadian Financial Intelligence Unit (FINTRAC) has mainly been devoted to the technical analysis of financial crime data. Two years ago, he was seconded still as a FINTRAC employee, to the Royal Canadian Mounted Police (RCMP), Integrated Proceeds of Crime Branch, Anti-Money Laundering Division where he has worked since on Tactical Projects and Strategic National Studies. Before that, for a total of 10 years, he was a director at two major Canadian banks. He is an experienced specialist in Anti-Money Laundering and does some consulting for the ATMIA Canada where he helps the Canadian Industry to improve their Anti-Money Laundering policies and procedures.


James Candelmo, Deputy Criminal Chief, U.S. Attorney’s Office, Eastern District of North Carolina
Major Financial Threats Today: The Federal Perspective
On September 17, 2001, Assistant United States Attorney James Candelmo was appointed Anti-Terrorism Coordinator for the Eastern District of North Carolina. In this position, Mr. Candelmo is responsible for implementing the Attorney General’s anti-terrorism efforts among 50 federal, state and local law enforcement operations which include the FBI, Immigration Customs Enforcement, U.S. Marshal’s Service and Secret Service throughout the eastern part of the state.

Mr. Candelmo has been with the Department of Justice for over fifteen years. Serving first in the Criminal Division’s Fraud Section, prosecuting bank fraud in New England and Southern California and then as Senior Trial Counsel with the Department’s elite Counter-Espionage Section, working closely with the FBI and CIA investigating and prosecuting National Security cases. Mr. Candelmo was sworn in as an Assistant United States Attorney for the Eastern District of North Carolina in May of 2000 and presently holds the position of Deputy Criminal Chief. He serves as the office’s National Security Coordinator and Critical Incident Response Team Coordinator.

Mr. Candelmo attended the University of Dayton Law School, where he was named to the Law Review and was subsequently published. After graduating law school in 1987, Mr. Candelmo served on active duty with the United States Navy Judge Advocate Generals Corps. In 1991, Mr. Candelmo received his Master of Law in International Law from Georgetown University.

Mr. Candelmo has served as a guest lecturer in the fields of Espionage, Trading with the Enemy, Economic Espionage, Bank Fraud, Use of Deadly Force, Forensic Epidemiology, Terrorism and Terrorism Financing. He is an adjunct professor of law at Campbell University Law School where he teaches National Security Law and Federal Criminal Law.
His awards include the Central Intelligence Agency-Agency Seal Medal and he is a recipient of the 2007 DOJ Director’s Award for Terrorism Prevention and National Security for his work in public private partnerships regarding Terrorism Financing and Money Laundering.


James Cichy, Vice President, Fraud Services, PULSE
Major Financial Services Fraud Threats Today: The Industry Perspective
James Cichy serves as Vice President, Fraud Services, for PULSE, a Discover Financial Services company and operator of the PULSE® electronic funds transfer network, headquartered in Houston, Texas. PULSE is one of the nation’s leading ATM/debit networks, currently serving more than 4,500 banks, credit unions and savings institutions across the country. The network links cardholders with more than 265,000 ATMs, as well as point-of-sale terminals at retail locations nationwide.

Mr. Cichy joined PULSE in 2008 and is responsible for the PULSE fraud detection and prevention services, including the innovative DebitProtectSM product. Prior to that, Mr. Cichy and his team at Fifth Third Bank were recognized as having the lowest fraud losses among the top 15 U.S. MasterCard issuers.

An internationally recognized expert on credit and debit card fraud, Mr. Cichy has received recognition for his fraud mitigation strategies over his 32-year financial career. This includes receiving an award for best-in-class fraud detection system from Royal Bank of Canada, the Canadian Information Productivity Award and the CIO magazine award for large enterprise fraud detection systems, as well as serving on the Visa International Risk Committee.


Stephanie Cook, VP & Fraud Manager, Payment Solution Group
Major Financial Services Fraud Threats Today: The Industry Perspective
Stephanie Cook has been with Metavante since 1997 and is currently Vice President and Fraud Manager in the Payment Solution Group.

As part of the PSG division, Stephanie’s responsibilities include fraud management and assessment for credit card, debit card, pre-paid and related products, bill pay services and merchant acquiring. She oversees development, implementation and on-going support of fraud detection and prevention products and services, as well as investigations.
Prior to joining Metavante, Stephanie worked at Firstar Bank (now US Bank) for 27 years, and held numerous positions within the Consumer Credit Division, including 6 years in fraud investigations.

Stephanie is frequently asked to speak to organizations about bankcard fraud, and recently co-authored an article on debit card fraud which appeared in Credit Union Technology Magazine. She is on the Board of Advisors of the International Association of Financial Crimes Investigators (IAFCI), a member of the Midwest Fraud Reduction Committee, Merchant Acquiring Committee and the Financial Crimes Investigators of Southern Wisconsin.
She holds a Bachelors Degree from the University of Wisconsin-Milwaukee.


Jorge Fernandez, ATM Industry Consultant
Security in LACR
Mr. Fernandez has over 20 years of experience in the Electronic Funds Transfer industry. He is currently an independent consultant in the ATM business, specializing in helping companies expand their business internationally.

He previously served as founder, president and CEO of LevelFour Americas, LLC. Prior to that, he was founder and President of Capture Systems International, the pioneer in introducing and growing the off-premise ATM market throughout Latin America and the Caribbean, with over 1,500 installations throughout the region. In addition, Mr. Fernandez is a co-founder of Procesa S.A de C.V, Mexico’s only independent third party processor.

Before that, he was Director of Business Development for Latin America for Triton Systems Inc.. Prior to joining Triton, he was Executive Vice President and General Manager for IVI-INGENICO a leading provider of POS solutions worldwide, as well as having served as Vice-President International for IVI, a major POS manufacturer in North America. He previously served as Director of Sales and Marketing for Deluxe Data Systems (now eFunds) where he was responsible for marketing software and processing services in Latin America as well as having served as Managing Director of VeriFone’s Latin America operations from 1989 to 1994.

Mr. Fernandez founded ATMIA Latin America in 2002 and served as its first president as well as serving on the North American Board of ATMIA. Jorge holds a Masters Degree in International Business from the University of Miami.


Denis Fortin, National Initiatives Against Money Laundering Coordinator, Royal Canadian Mounted Police (RCMP)
Houston: We Have a Problem
Royal Canadian Mounted Police (RCMP) Coordinator of National Initiative to Combat Money Laundering, he is a subject matter expert in money laundering trends and typologies both at the national and the international level. He attends and presents strategic money laundering intelligence projects and key findings at the Financial Action Task Force/Asia Pacific Group annual trends and typologies meetings. He also attended the G8 Lyon-Roma in Tokyo, Japan and presented Canada's overview of the Cash smuggling situation at the Ad-Hoc Experts Group. He also worked closely with the Department of Finance, FINTRAC, Canada Revenue Agency and Canada Border Services Agency and other Canadian Government Agencies during the review of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and the enactment of the new legislation Bill C-25 in December 2006. He has an extensive law enforcement background in national and international organized crime investigations.


Giff Gfroerer, President, North America, I2SMS
What is Mobile Phone Security?
Giff Gfroerer is currently President, North America of i2SMS, leading this international company's expansion into the North American territory. i2SMS is a global leader in SMS (text messaging) marketing platforms and custom applications that has pioneered 2-way SMS as a mobile communications tool allowing live 2-Way B2C connections that are available anywhere, anytime. His primary clients include commercial banks, credit agencies, stock exchanges, international airports, cell phone manufacturers, carrier networks, utility software vendors, interactive, advertising and marketing agencies, messaging companies, real estate agencies, and car manufacturers,. Giff is active in the Technology Association of Georgia and Wireless Technology Forum, contributor for the University of Oxford Next Generation Mobile Applications Panel, consultant, speaker and author for the ATMIA Mobile Phone Security Committee, presenter for Chartwell in the growing mobile utility space, consultant to the CDC and the World Health Organization, and has taught both graduate and undergraduate marketing and business classes at AIU in Atlanta, Georgia. His expertise lies in creating and building new processes to leverage client business rules and their dynamic data, thus increasing customer service efficiency.


Richard Gould, Director, Lockit Systems (Aust) Pty Ltd.
Physical Security: Ram Raids & CIT
Richard Gould invented the “Raminator” and is a licensed security consultant with 25 years experience in financial institutions and working with local police authorities.
Richard was the recipient of the ATMIA 2007 Outstanding Innovation Award and the 2007 ASIAL (Australian Security Industry Association Limited) award for Best New Product.


James A. Hanisch, EVP Network Operations & Corporate Development, CO-OP Financial Services
Major Financial Services Fraud Threats Today: The Industry Perspective
With more than 25 years of experience in financial services, technology, operations, product management, business and strategic planning, sales and customer services, Jim Hanisch leads the Network’s technology, development and strategic planning division.

Hanisch, an Iowa native, arrived at CO-OP Network in 2000 after serving as Vice President, Application Service Provider Services, for Omaha, Nebraska-based ACI Worldwide. His focus ranged from traditional ATM/POS e-commerce, wireless commerce, smart card and Internet-based services. He additionally served as Vice President, Product Management and Strategic Planning for USPI, a start-up processing venture funded in-part by ACI.

Before USPI, Hanisch spent 11½ years at A.O. Smith/Deluxe Data Systems (now eFunds), holding positions in technology development, product management and general management. During his tenure at Deluxe, he worked closely with CO-OP Network, ultimately leading the business unit responsible for the CO-OP Network relationship.

Hanisch began is career as a management trainee at Norwest Bank (now Wells Fargo) in Des Moines. He held various positions in operations and EFT systems, with expertise in cash management products, on-line teller systems, and EFT. He was involved in the formation of several of the early mid-western EFT networks in the 1970s and was the first president of Diebold TABS Advisory Group.

Hanisch currently lives in Rancho Cucamonga, California, with his wife, Barb and their two teen age children.


Michael Keller, General Counsel, Cardtronics, LP
Major Financial Services Fraud Threats Today: The Industry Perspective
Michael E. Keller is the General Counsel of Cardtronics, LP. He has occupied that position since July 2001. As General Counsel, Mr. Keller represents Cardtronics in contract negotiations with its merchant customers and vendors. He also ensures that Cardtronics complies with all applicable laws and regulations and manages all legal services rendered to Cardtronics by outside counsel.

Since March 2004, Mr. Keller has served as the Co-Chair of the ATM Industry Association Governance Committee and in that capacity is actively engaged in representing the Industry to state legislators, in drafting legislation beneficial to the Industry and fighting unnecessary and counter-productive ATM legislation.

Mike is a 1975 graduate of the United States Military Academy at West Point. After completing 5 years of service in the US Army, Mr. Keller attended law school at the University of Texas, graduating in 1983, with honors. From 1983 until September 2001, Mr. Keller was engaged in the private practice of commercial law in Houston, Texas.


Susan Kohl, Partner, ThoughtKey, Inc.
What is Mobile Phone Security
Susan Kohl has over 17 years of international audit, litigation review, regulatory risk management, compliance, and 4 years concentration on payment data security. Susan manages PCI program compliance with all parties along the payment food chain including direct interaction with vendors and providers (PABP). Additionally, she has managed key management compliance and is Key Encryption Certified. Other credentials include Bachelors of Science in Finance, Certified Public Accountant, and Business Process Reengineering Certified.


Martin Petrella, Manager Forensic & Dispute Services, Deloitte Financial Advisory Services L.L.P.
AML Workshop
Martin Petrella is a Manager in the Washington, D. C. Forensic and Dispute Services practice of Deloitte Financial Advisory Services LLP (“Deloitte FAS”). Mr. Petrella specializes in anti-money laundering ("AML") compliance and investigative services and has assisted numerous domestic and foreign financial institutions with a variety of AML initiatives, including AML regulatory gap analysis, program testing and evaluations, transaction reviews (“look-backs”) and Know Your Customer (“KYC”) remediations. He has also participated in fraud and forensic accounting investigations. Mr. Petrella has had extensive experience in the financial services industry and has worked with clients in Latin America and the Middle East in many different functional settings.

Prior to joining Deloitte FAS, Mr. Petrella worked at the World Bank where he performed economic analysis and developed an industry value chain methodology for their Private Sector Development Group. In addition, Mr. Petrella spent several years at PricewaterhouseCoopers LLP providing consulting services to strategic private and public sector clients worldwide, including the Securities and Exchange Commission, the United States Postal Service, the United States Forest Service, the Nicaraguan Customs Authority, and the Government of the Dominican Republic.


JB Rambaud, EVP, Chief Risk & Security Officer,Fiserv EFT
Debit Card Fraud: Protecting Yourself with Effective Risk Management Solutions
As Executive Vice President, Chief Risk & Security Officer for Fiserv EFT, JB Rambaud is responsible for the Risk Management, Security, Audit and Compliance departments.
JB’s experience covers a wide range of industry from healthcare to telecommunications. Most recently he was Director of Corporate Technology and Security for Cerner Corporation in Kansas City. Cerner designs healthcare software to improve all aspects of health care delivery. JB’s responsibilities there included leadership of 65 professionals in IT and Security areas. Prior to his role at Cerner, JB led the Technology Risk and Consulting group for the Kansas City office of Andersen, LLP, where he managed consulting security practices and delivered security engagements tom a wide range of clients. JB also worked as Senior Information System Auditor for Sprint, where he started his security career.


Rodman K. Reef, Citishare Corporation, a Citigroup subsidiary
Major Financial Services Fraud Threats Today: The Industry Perspective
Mr. Reef is the former Chairman and CEO of Citishare Corporation, a subsidiary of Citigroup. He joined the subsidiary in 1986 and held several positions prior to leading the organization. Citishare is in the retail electronic funds transfer business and processes transactions, including money transfers, for ATM, POS, PC, and chip card devices. During Mr. Reef’s tenure, Citishare expanded to more than 50 countries, FX income became a significant revenue stream, volume increased two orders of magnitude (100 X ) and several growing and innovative products were introduced. From 2000 to 2008, volume increased 250% and unit costs were reduced over 50%. Mr. Reef participated in the boards and advisory committees of several US and global payment businesses, including NYCE, The Clearing House and MasterCard’s and Europay’s Maestro, a global PIN POS system.

Prior to joining Citishare, Mr. Reef held systems and operating positions in Citicorp’s Investment Bank, Citicorp’s Consumer Bank and Citicorp’s U.S. Corporate Bank. In the Investment Bank, Mr. Reef ran Government Securities Trading Operations, replaced the Fed Securities Wire processing system, provided the funding desk with real-time information and replaced or modified several trade support and custody systems. In parallel with several of these positions, Mr. Reef was an Associate Professor at New York University, training students to build content for and manage the new telecommunications-driven entertainment industry (cable TV, teletext, and, later, the Internet). Mr. Reef also worked for A. G. Becker, a regional Wall Street investment bank and was a consultant with the former Touche Ross & Co. In the early years of his career, Mr. Reef worked for the U.S. Congress’ GAO organization. In this capacity, he wrote sections of the bill that reorganized the U.S. House of Representatives and did the first automated legal retrieval for a Congressional committee.
Mr. Reef holds a B.S. degree in electrical engineering and M.S. degree in computer science from Columbia University’s School of Engineering and Applied Science.


Vahid Sedghi, Vice President Technical Services, CellTrust Corporation
What is Mobile Phone Security?
“There is a real need today within the mobile industry for a secure global gateway to provide real-time and secure messaging solutions to consumers and enterprises world-wide. We are only at the beginning of utilizing SMS and the global potential is phenomenal.”

Mr. Sedghi is an experience leader and information technology professional with more than 18 years of enterprise security consulting, technical management, and advanced network and mobile security expertise. In his role as Vice President of Technical Services, he is currently responsible for managing the Pre-Sales, Professional and Educational Services areas at CellTrust to deliver world-class mobile security service and solution offerings to customers and partners around the globe.

Most recent, as Director of Sales Engineering and then Professional Services, Sedghi managed the global Sales Engineering and Professional Service teams at Lumension Security formerly PatchLink. During his tenure the team successfully managed and delivered vulnerability management solutions to both fortune 500 and top government agencies including EPA, VA, FEMA, U.S. Supreme Court, Booze Allen Hamilton, Locked Martin, and Shell Global. In this leadership role, he also provided extensive technical advisory which led to acquiring the STAT Guardian technology from Harris Corporation.

Prior to joining Lumension Security, Mr. Sedghi served as ICSI’s Senior Director of Client Services and the led the SAP and enterprise security practice where he was instrumental in providing enterprise security expertise to clients in government, financial services, manufacturing, and the high-tech sector in the Washington D.C area. While at ICSI, Sedghi also pioneered and architected an enterprise SAP proactive monitoring solution called ESPatorl which became an SAP certified product sold to both commercial and government sectors. Mr. Sedghi has also worked as a senior consultant and technologist for the State of Maryland, MCI, Compuware, and the National Science Foundation.

Mr. Sedghi holds a Bachelor’s degree in Business Administration with concentration in Quantitative and Information Systems from the University of Baltimore.


Mike Urban, Sr. Director, Fraud Solutions, Fair Isaac
Managing ATM Skimming & Compromised Cards
As one of the ATM & debit card industry’s most sought-after experts, Mike Urban has 15 years experience in banking and electronic payment systems. Mr. Urban currently serves as Senior Director, Fraud Operations, for Fair Isaac Corporation, where his responsibilities include managing the operations for the ATM network fraud solution as well as leading numerous counterfeit and compromise card fraud initiatives. He analyzes fraud issues and trends to provide continuous improvements in fraud detection technology. He also regularly works with law enforcement to help prosecute criminals and has been responsible for uncovering some of the largest counterfeit crime rings in the US.

Mr. Urban co-invented Card Alert Services, an ATM network solution that serves thousands of banks to help identify debit and ATM compromise fraud, which was acquired by Fair Isaac. As a member of the start-up management team, Mr. Urban served as Research & Development Director, Technology Director and General Manager. Prior to joining Card Alert Services, Mr. Urban worked for Electronic Payment Services, Inc., now owned by First Data Corporation, where he developed and managed projects for data analysis using data warehousing and OLAP analytical techniques.

As a renowned industry expert, Mr. Urban regularly speaks about fraud trends, best practices and solutions for payment card fraud to financial services industry groups. He has been quoted in numerous publications including the New York Times, MSNBC, Computer World, American Banker and ATM & Debit News. He has also written articles that have appeared in such publications as DM Direct, Bank Technology News and the ISSA Journal.
Mr. Urban’s industry recognition includes GASA ATM Crime Fighter of the Year 2005 and ATMIA Most Influential Member of the Year 2004. He is also a board member of the Global ATM Security Alliance (GASA), and is an active member of both the American Society of Industrial Security (ASIS) and the ATM Industry Association (ATMIA).

Mr. Urban earned his B.A. is Sociology from Pennsylvania State University and is currently an MBA candidate in Fraud Management at Utica College.