{"id":14477,"date":"2020-03-04T06:00:58","date_gmt":"2020-03-04T06:00:58","guid":{"rendered":"https:\/\/www.trulioo.com\/?p=14477"},"modified":"2024-01-17T21:12:32","modified_gmt":"2024-01-17T21:12:32","slug":"compliance-cryptocurrency","status":"publish","type":"post","link":"https:\/\/www.trulioo.com\/blog\/aml\/compliance-cryptocurrency","title":{"rendered":"Charlene Cieslik: on the forefront of compliance for cryptocurrency"},"content":{"rendered":"\n
\"cryptocurrency<\/figure>\n\n\n\n

Last time, we spoke to Ismaelle Vixsama, an information security governance and strategy professional. In this installment, we\u2019re featuring Charlene Cieslik, a compliance expert who\u2019s risen to the C-suite in finance and cryptocurrency.<\/p>\n\n\n\n

Charlene is the chief anti-money laundering officer and chief privacy officer of Coinsquare Networks, Inc. Charlene has held roles as the chief compliance officer, chief anti-money laundering officer, chief anti-bribery officer and chief privacy officer at several Canadian and foreign scheduled banks, where she was responsible for AML\/ATF, anti-bribery\/corruption and privacy programs. She has also worked at several Big Four accounting firms, where she assisted global financial institutions with AML\/ATF program development, post-regulatory exam remediation and AML\/ATF investigations.<\/p>\n\n\n\n

Charlene currently teaches graduate courses on AML\/ATF compliance and cryptocurrency, sits on several advisory boards, and is a frequent speaker on the subject. She recently participated in the United Nations FATF private sector consultation meetings on digital currency in Vienna, Austria, is part of the Transparency International Beneficial Ownership Working Group, and is an advisor with the National Crowdfunding & Fintech Association of Canada. She works closely with the federal government in Canada, advising on the new cryptocurrency AML\/ATF regulation.<\/p>\n\n\n\n

Charlene holds a master\u2019s degree in criminology from the University of Toronto, is a Certified Anti-Money Laundering Specialist (CAMS), and was an original founder of the Toronto ACAMS Chapter.<\/p>\n\n\n\n

We were overjoyed to have the opportunity to connect with Charlene about her journey to the executive level in compliance and learn about her thoughts on cryptocurrency.<\/p>\n\n\n\n

Trulioo<\/strong>: Throughout your career you have specialized in a number of areas \u2014 from AML, to ATF, economic sanctions, regulatory compliance management, privacy and more (I even understand that once upon a time you were a parole officer). Now, you\u2019re the chief anti-money laundering officer at Coinsquare. Can you tell us more about your career trajectory and how you found yourself in your current role?<\/p>\n\n\n\n

Charlene<\/strong>: Out of graduate school with a masters in criminology, I became a parole officer for federal-level male correctional institutions. It was a great training ground to get into white collar crime and financial compliance! Meaning it gave me a foundation for critical thinking and analysis and being able to read people for truth, but I quickly learned I didn\u2019t want to work \u201cin prison.\u201d<\/p>\n\n\n\n

I ended up in Ottawa because the Office of the Auditor General had a training program in \u201cvalue for money\u201d auditing. I flew all over Canada visiting airport drug hangers, police dog training centers and witness protection program offices. I even got to take a helicopter tour of the grow ops in British Columbia. While taking part in an audit on Canada\u2019s Drug Policy, I wrote a paragraph on the new emerging anti-money laundering agency opening in Canada, FINTRAC, and I knew I had to work there. It was a perfect mix for my criminology background and my growing interest in financial crime. I loved my job at FINTRAC, and I am proud that I got to work there in its development stage.<\/p>\n\n\n\n

There are a lot of hops from 2001 to now. Without boring you with my whole CV, moving into different roles in consulting, banking, fintech, and ultimately into C-level positions, I gained a depth and breadth of experience across compliance functions, which brought me into crypto. I also had a great mentor who introduced me to other mentors in the consulting and banking space, who helped me make pivotal career decisions, and ultimately that\u2019s what influenced my trajectory. I think all those hops are what brought me here, and I hope I can have a positive impact, as opposed to being a cog in a compliance machine.<\/p>\n\n\n\n

Trulioo<\/strong>: Can you share a little about what a typical day looks like for you?<\/p>\n\n\n\n

Charlene<\/strong>: If there were such a thing as \u201ctypical\u201d in this business, I would!<\/p>\n\n\n\n

I will say, there\u2019s a lot of explaining compliance requirements to stakeholder and business partners, regulatory liaising, government consultation, vendor partner management, banking partner diligence, and basic day-to-day oversight of my team and supporting teams, to ensure that the not-so-exciting compliance things like KYC approvals, sanctions screening, risk management, investigations and periodic reviews all get done.<\/p>\n\n\n\n

Everyone is in a big hurry to get clients approved and to get money moving. Crypto is a fast-paced environment, and much of the risk-based decisioning is new \u2014 there is no playbook. So, my department has to make decisions on the fly. We\u2019re learning as we go, and we don\u2019t always make the right call, but we try to get the balance right between risk and reward.<\/p>\n\n\n\n

Plus, there\u2019s a ton of paperwork to evidence our every compliance decision. So, we spend a lot of boring time on paperwork \u2014 which is what saves the day, ultimately, in an audit scenario.<\/p>\n\n\n\n

Trulioo<\/strong>: You\u2019ve referred to the laundering of crypto as \u201cold wine in new bottles,\u201d so it comes as no surprise that we\u2019ve seen a raft of regulatory movement in this sector. Canada, in particular, is one of the more progressive nations when it comes to regulation, but in your mind, what are the top challenges that need to be addressed?<\/p>\n\n\n\n

Charlene<\/strong>: I don\u2019t think Canada is necessarily progressive \u2014 we\u2019re slow, and we\u2019re followers, not leaders. I\u2019m worried we are going to kill the innovation in this field with the fear, uncertainty and doubt.<\/p>\n\n\n\n

In no way am I saying we need \u201clooser\u201d regulation. But we tend to lean conservative and buy into the hype that every money launderer on earth is trading in his cash for crypto, that every terrorist is using blockchain. Traditional financial markets regulation had years<\/em> to develop, mistakes were made, they were given time to learn where to tighten up and where to be a little freer. We\u2019re not afforded that leeway, unfortunately, and there are nations taking different stances. It\u2019s going to be a race to the top, or a race to the bottom. We have such a strong tech community in Toronto, so many people trying hard to make this work, and yet we wait. We\u2019re in a holding pattern while regulators battle out just \u201chow to\u201d regulate.<\/p>\n\n\n\n

We work very hard to be part of the conversation with regulators. I appreciate that they listen to us for the most part, they take in our experience and our expertise. I hope to have an influence in some way, but I\u2019m not so sure sometimes. There are larger global influences at play. We cannot be expected to have zero<\/em> risk, when all other financial institutions are afforded the leeway. This is one thing I will not stand for. I try really hard to make sure this point is not lost amongst regulators.<\/p>\n\n\n\n

Trulioo<\/strong>: What\u2019s one common misconception about cryptocurrency that you would like to clear up?<\/p>\n\n\n\n

Charlene: <\/strong>Given my field of interest \u2014 I would say I\u2019m tired of the misconception that cryptocurrency is only used by criminals. Criminals use anything<\/em> that helps them move money \u2014 art, cars, boats, watches, lawyers, shell companies \u2014 and cash remains king.<\/p>\n\n\n\n

And one more simple thing \u2014 you don\u2019t have to buy \u201cone whole bitcoin\u201d!!<\/p>\n\n\n\n

Trulioo<\/strong>: What do you see in store for the future of cryptocurrency? Will we one day abolish cash altogether and move in unison toward a decentralized system?<\/p>\n\n\n\n

Charlene<\/strong>: This is a tough one for me to answer, even after two years at Coinsquare. Possibly I\u2019ve dealt with banks and governments for too long. I don\u2019t foresee cash going away in my lifetime, but it\u2019s certainly now possible.<\/p>\n\n\n\n

Finally, here\u2019s a quick-fire fast five round:<\/strong><\/p>\n\n\n\n

My Eureka moment was \u2026<\/strong><\/p>\n\n\n\n

The day that a CMO I used to work with said \u201cI don\u2019t give a s*** about bitcoin.\u201d I knew it was time for me to leave that mindset and bring what I can to the space to help it succeed despite outdated opinions like that one.<\/p>\n\n\n\n

My go-to-app is \u2026<\/strong><\/p>\n\n\n\n

Instagram. Yes, I\u2019m addicted like a teenager.<\/p>\n\n\n\n

I like to decompress by \u2026 <\/strong><\/p>\n\n\n\n

Riding my motorcycle on long country rides. You can\u2019t think about the price of bitcoin, or the regulator\u2019s ever-changing positions on crypto, while trying to stay alive on a bike.<\/p>\n\n\n\n

If I weren\u2019t a chief anti-money laundering officer, I\u2019d be \u2026<\/strong><\/p>\n\n\n\n

Running a surf shack on a beach somewhere really south, and maybe I\u2019d accept crypto as payment for board rentals. ????<\/p>\n\n\n\n

The biggest risk I ever took was \u2026 <\/strong><\/p>\n\n\n\n

Joining Coinsquare! Coming from traditionally very risk-averse compliance roles, it took a big mindset switch to dive headfirst into the perceived \u201criskiest\u201d new asset class. Much of the community didn\u2019t want government-regulated exchanges in this space, and I am acutely aware of that. But I do like to think I strike a fine balance as a \u201ccool compliance officer, not like those other compliance officers.\u201d (Ha ha!) I like to think I understand and apply the rule and spirit of the current AML\/TF legislation while defending the risks we take, ones that would otherwise be eschewed in traditional finance. But it takes some prodding and convincing, still, for me sometimes! When you\u2019re a hammer everything looks like a nail!<\/p>\n\n\n\n

To learn more about Charlene and stay up to date with what she\u2019s doing, you can follow her on Twitter<\/a>. If there\u2019s a woman on the rise that you\u2019d like to see featured in our Women in Tech<\/em> blog series, please send your suggestions to media@trulioo.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"Last time, we spoke to Ismaelle Vixsama, an information security governance and strategy professional. 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