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FDIC Advisory Committee on Economic Inclusion (ComE-IN) Meeting - Presenter Biographies
FDIC Advisory Committee on Economic Inclusion
(ComE-IN) Meeting - October 24, 2007 - Presenter Biographies
has served as
Vice President Government Affairs and Associate Corporate Counsel of MoneyGram
International, Inc since October 2000. He was named Chief Compliance Officer of
MoneyGram in November 2005. Mr. Haider joined the Company in 1992 as an Attorney
and held various other positions through October 2000. Prior to joining the
Company, Mr. Haider spent seven years representing the Minnesota League of
Credit Unions in both legislative and regulatory matters.
Paul Dwyer has been Chief Executive Officer of Viamericas since its
founding. Prior to founding Viamericas, Mr. Dwyer was a partner with the Latin
American Practice Group of the Washington, D.C. based law firm Wilmer, Cutler &
Pickering, one of the leading U.S. law firms practicing in the Latin American
region. While a partner in that practice, Mr. Dwyer had first chair
responsibility for a wide range of financing and acquisition transactions in
Latin America. Prior to joining Wilmer, Mr. Dwyer practiced law with Rogers &
Wells (now part of Clifford Chance), and as an internal counsel at the
Inter-American Investment Corporation. Mr. Dwyer received his undergraduate
degree at Tufts University in Latin American Studies, summa cum laude; his
Masters degree in international business and Western Hemisphere diplomatic
history at the Fletcher School of Law and Diplomacy; and his Juris Doctor
at Harvard Law School. Mr. Dwyer was born in
Honduras and is fluent in Spanish.
Deputy Superintendent of the New York State Banking Department. She oversees
the Licensed Financial Services Division which is charged with supervisory
responsibility for licensing and regulating six distinct financial service
industries including: Licensed Lenders, Licensed Cashers of Checks, Sales
Finance Companies, Insurance Premium Finance Agencies, Budget Planners and
Transmitters of Money.
CPA/MBA/MPA, joined the Banking Department in 1991 as a senior bank examiner.
Currently Deputy Superintendent of Licensed Financial Services Division (LFSD)
which supervises and examines six industries: money transmitters, check
cashers, budget planners, licensed lenders, sales finance companies, and premium
finance agencies. A frequent speaker and trainer on money service businesses (MSBs)
issues, including developing an on-line course with the Conference of State Bank
Supervisors (CSBS) on MSB licensing, supervision and examination..
is a senior associate at the
Dialogue, where he serves as executive director of the
Remittances and Rural Development project funded by the Multilateral
Investment Fund of the
Development Bank and the
UN International Fund
for Agricultural Development. Mr. Orozco is chair of Central America and
the Caribbean at the U.S. Foreign Service Institute and senior researcher at
the Institute for the
Study of International Migration at Georgetown University. Mr. Orozco
taught political science at the University of Akron, Ohio, and international
relations in Costa Rica. Mr. Orozco holds a Ph.D. in political science from the
University of Texas at Austin, masters in public administration and Latin
American studies, and a B.A. in international relations from the National
University of Costa Rica. Currently a member of the Research Consortium on
Conflict and Crises at the Study of International Migration
at Georgetown University.
Jamal El-Hindi, Associate Director for Regulatory Policy and Programs,
overseeing the Financial Crimes Enforcement Networks regulatory and
compliance functions and establishing and coordinating
national anti-money laundering policy. Mr. El-Hindi previously served as the
Associate Director for Program Policy & Implementation at the Office of
Foreign Assets Control (OFAC) in the U.S. Department of the Treasury, a
position he has held since June 2005. In this capacity he oversaw OFACs
Compliance Outreach Division, Licensing Division and Policy Division. Previously
he was Attorney-Advisor in the Office of Chief Counsel
(Foreign Assets Control) within Treasurys Office of the General Counsel,
where he served as a legal advisor on various economic sanctions programs.
Before joining Treasury in December 2000, Mr. El-Hindi was an associate at
Patton Boggs LLP in Washington, D.C., where his practice focused on U.S.
regulation of international business transactions, representation of foreign
sovereigns and international banking litigation.
President, Rite Check Financial Service Centers, Chairman, Joint Industry
Committee. Mr. Coleman is a financial industry expert and highly sought
after speaker on the topics of providing financial services to unbanked and
underbanked consumers, the role of Financial Service Centers, and financial
industry alliances. Mr. Coleman was a featured speaker at the CFSI Inaugural
Conference on the Underbanked, has testified at numerous government hearings
and was recently featured in the Associated Press feature on the unbanked
Patricia J. Cirillo,
Ph.D., President, Cypress Research Group.
Ms. Cirillo founded Cypress Research
Group in 1997, with the goal of marrying strong project management with the
highest level scientific principles. Her expertise in sampling and
statistical analysis is grounded in her doctoral coursework and laboratory
training in complex neural systems.
Ms. Cirillo conducted FiSCAs Customer Satisfaction Study in 2006 and has vast experience in
research within the financial services arena. She has done extensive
research in both the multi-line and mono-line areas of the alternative
financial service provider industry and for various bank clients as well.
Ms. Cirillo is often
called upon to discuss her findings with legislators and regulators and
others seeking information about our industry.
Terence Keenan is Senior Vice President, Corus Bank, N.A.,
Chicago, IL. The bank has eleven retail branches in the Chicago
metropolitan area and in addition to commercial real estate and deposit
gathering, it services the check cashing industry.
Michael Lynch Michael J. Lynch is Vice President and Manager
of the Money Services Division (MSD) for Banco Popular North America (BPNA).
BPNA is headquartered in Rosemont, IL and is the US banking subsidiary of
Popular, Inc. Mr. Lynch joined BPNA in August 2002 as the Bank wished to
grow its MSD and expand its reach into other parts of the country. The MSD
Group consists of nine individuals focused on providing banking services to
the check cashing industry. BPNA presently provides depository services to
about 800 check cashing locations in NY, NJ, IL, FL, TX and CA. In addition
to depository services, the bank has about $240MM in loans outstanding to
members of the check cashing industry.
Prior to joining BPNA, Mr. Lynch spent 16 years with Corus Bank. He started
as a Credit Analyst in 86 and worked his way up to Senior Lender at its
largest location, prior to consolidation. At Corus, he managed a loan
portfolio of commercial real estate loans, as well as their check cashing
is the President and Chief Executive Officer of United Central Bank,
Garland, Texas. It is a Texas-based community bank with locations in the
Dallas/ Fort Worth metroplex, Houston, Austin, Killeen and Springfield, VA.
Mr. Ward began his banking career with Crocker-Citizens National Bank, Los
Angeles, CA. Eventually he returned to his hometown of El Paso, Texas and
was appointed Vice President/ Cashier of the de novo Valley Bank of El
Paso. Six years later, Mr. Ward was elected President of Valley Bank of El
Paso. Shortly thereafter, Mr. Ward and a group of investors purchased
Valley Bank of El Paso, and the investor group later purchased Montwood
National Bank where Mr. Ward served as Chairman of the Board. For a
three-year period of time, Mr. Ward took a sabbatical from banking to pursue
other interests. In 1991, he returned to banking and joined United Central
Bank. In 1999, Mr. Ward was elected President and CEO of United Central