Tom
Ganem
Tom Ganem is a Managing Director and Deputy AML Officer in the Financial Crimes group of Charles Schwab & Co., where he leads the High-Risk Customer group and is responsible for AML oversight over all Schwab foreign branches. Tom has been at Schwab for 12 years and has been directly involved with the implementation of the automated AML customer risk scoring program as well as the PEP and negative media identification systems; ensuring compliance with all FFIEC/BSA/AML requirements.
Prior to joining the Financial Crimes Group at Schwab, Tom led a multi-year International Tax centralization and remediation project to recertify all non-US taxable customers. This included the development of an electronic W-8 tax form and bringing the firm into compliance with the new FATCA requirements.
With a background in Accounting and International Tax, Tom is also licensed as a General Securities Representative with FINRA, and has more than 15 years of experience in the financial sector.
Email:Tom.Ganem@schwab.com