William D Souza

President/CEO

With over 50 years of experience in financial services, William Souza has revolutionized compliance services with the goal of driving revenue growth and maximizing businesses’ profits. 

As a third-generation entrepreneur and former owner of a money services business (MSB), Souza deeply understands the significance of fostering strong banking relationships. His unique perspective empowers him to champion the interests of business owners and align banking solutions with their specific needs.

Recognizing a critical gap in the industry, Souza established Capital Compliance Experts, pioneering cutting-edge compliance services and technology solutions tailored to adhere to Bank Secrecy Act regulations. As a fervent advocate for compliance, he remains committed to advancing through continuous innovation and industry leadership.

LinkedIn

bsouza@CapitalComplianceExperts.com

Kyle Oden, CAMS

Head of Operations

Kyle Oden, CAMS (Certified Anti-Money Laundering Specialist), boasts over 16 years of experience in the financial services sector. Leveraging his adept understanding of industry intricacies, he excels in collaborating closely with key stakeholders, managing consulting projects, and pinpointing optimal compliance solutions tailored to the requirements of medium—to large high-risk businesses, banks, the IRS, or state regulators. Oden has a proven track record of assembling the necessary resources to consistently achieve project milestones and meet deadlines.

Currently, Oden serves on the banking committee of the Money Services Business Association (MSBA), holds the position of Chairman of the CCE Technological Development Team, co-chairs the CCE Educational Board, and spearheads numerous compliance services aimed at mitigating industry volatility.

LinkedIn

koden@CapitalComplianceExperts.com

Debbie Owens, CAMS

Director of Compliance

Debbie Owens is a seasoned CAMS (Certified Anti-Money Laundering Specialist) compliance consultant, boasting over 18 years of immersive experience in the financial services sector. Her career has been marked by direct engagement with diverse entities, including money service businesses (MSBs), money transmitters, third-party payment processors, and various financial institutions, spanning comprehensive reviews by banks, IRS assessments, and service provider evaluations.

Owens is adept at guiding MSBs towards unwavering adherence to the rigorous regulatory standards set forth by the Bank Secrecy Act (BSA). Her extensive repertoire of knowledge and skills is showcased through her proficiency in orchestrating internal compliance audits tailored to clients of varying scales. With an eye for detail and a commitment to excellence, Owens ensures that her clients navigate the complex regulatory landscape confidently and precisely.

LinkedIn

dowens@CapitalComplianceExperts.com

Mitchell Souza, CCI

Director of Sales

Mitchell Souza brings extensive expertise in alternative financial services, honed over 13 years of dedicated professional experience. Throughout his career, he has consistently showcased a commitment to leveraging his knowledge to overcome industry challenges and foster growth.

As Director of Sales, Souza channels his innovative spirit into product management, leading initiatives to enrich offerings and align them with clients’ evolving needs.

Additionally, as a Certified Cryptocurrency Investigator (CCI), Souza remains abreast of industry advancements, recognizing the significance of staying ahead of the curve. Armed with a deep understanding of market dynamics and client expectations, he drives the development of impactful solutions that deliver tangible value and measurable results.

LinkedIn

msouza@CapitalComplianceExperts.com

Cesar Avalos

Senior Sales Associate | Hablo Espańol

Cesar Avalos has nine years of comprehensive experience in the financial services industry. Beginning his career in technical support, Avalos has transitioned into a Senior Sales Associate role, where he excels in providing tailored solutions to meet the unique needs of money services businesses (MSBs).

With a solid foundation in technical support, Avalos brings a nuanced understanding of the intricacies of financial systems and technology. Leveraging this background, he adeptly navigates the challenges faced by MSBs, offering them strategic guidance and innovative solutions.

LinkedIn

cavalos@CapitalComplianceExperts.com

Kofi Keyeremeh, CAMS

BSA Compliance Consultant

Kofi Kyeremeh is a seasoned legal and CAMS (Certified Anti-Money Laundering Specialist) compliance professional with over 15 years of expertise in crafting and overseeing corporate compliance programs. 

With a comprehensive understanding of regulatory challenges encountered by financial institutions, Kyeremeh specializes in designing robust frameworks encompassing programs, policies, procedures, and controls. These frameworks enable businesses to effectively adhere to pertinent regulations and meet the standards set by federal and state oversight agencies.

An ardent advocate for compliance, Kyeremeh champions the implementation of rigorous programs to thwart various illicit activities, including money laundering, terrorist financing, fraud, waste and abuse, bribery, and corruption, within financial institution operations.

LinkedIn

kkyeremeh@CapitalComplianceExperts.com

Monica Archuleta, CAMS

BSA/AML Compliance Oversight Manager

Monica Archuleta, CAMS (Certified Anti-Money Laundering Specialist), has ten years of dedication to financial services. Her journey began behind the counter of a check cashing franchise, where she developed a perceptive understanding of the intricacies of financial transactions and the importance of regulatory compliance.

Archuleta leverages her firsthand experience to improve industry processes. In her current role, she collaborates closely with Annual Compliance Oversight customers, providing invaluable guidance and support to ensure ongoing compliance.

Archuleta’s expertise lies in conducting independent reviews and meticulously assessing processes and procedures to identify and address any compliance gaps. With a steadfast commitment to upholding regulatory standards, she plays a pivotal role in safeguarding against financial crimes and maintaining the financial system’s integrity.

LinkedIn

marchuleta@CapitalComplianceExperts.com

Brad Schildt, CAMS

BSA Consultant

Brad Schildt is a seasoned CAMS (Certified Anti-Money Laundering Specialist) BSA/AML compliance professional with a rich MSB operations and compliance background. Notably, he co-founded BioPay and pioneered its revolutionary Paycheck Secure biometric-based authorization check cashing platform. 

With 30 years of fintech, startup, and banking experience, he also possesses extensive expertise in independent reviews, risk management programs, contract management, and developing and refining programs, policies, and procedures for financial institutions and businesses.

Schildt is well-versed in the intricacies of BSA/AML compliance consulting, offering invaluable insights and guidance to organizations navigating complex regulatory landscapes. Schildt excels in identifying and mitigating potential risks and safeguarding businesses against financial crimes.

LinkedIn

bschildt@CapitalComplianceExperts.com

Rob Ayers

Business Development Executive

Rob Ayers is a seasoned veteran in the payments and remittance sector with over 35 years of industry experience. He has held key positions across diverse companies, spanning publicly traded corporations and global enterprises to startups and early-stage entities. In 2016, Ayers founded Fintech-Advisors, a consultancy dedicated to providing tailored support to clients within the payments and remittance industries.

His expertise encompasses a wide range of areas, including profit and loss management, sales and marketing strategies, mergers and acquisitions, and the development of tailored solutions for consumers and business-to-business segments. He is committed to delivering innovative and effective solutions that meet the unique needs of his clients in the ever-evolving payments landscape.

Currently, Ayers serves as the Managing Director for the Americas at RemitONE, leading operations for the London-based Money Transfer Software platform, catering to banks, fintechs, remittance providers, and global payment firms.

LinkedIn

rayers@CapitalComplianceExperts.com

Omar Spiller

Technical Support Specialist

Omar Spiller has a robust background in computer science and a deep commitment to customer satisfaction, excelling at delivering bilingual (English/Spanish) support. His meticulous attention to detail ensures that every system he handles is thoroughly inspected, tested, and configured for optimal performance before deployment. His problem-solving skills enable him to manage and resolve various technical issues efficiently.

He is adept at anticipating client needs, providing respectful and effective phone support, and identifying opportunities to enhance customer experiences. Currently pursuing a Bachelor’s degree in Computer Science from California State University, Monterey Bay, Omar continues to expand his knowledge and skills, driving his passion for technology and customer service excellence.

ospiller@capitalcomplianceexperts.com