Michael Torres

Compliance Director

Michael Torres is a Compliance Director with over 14 years of expertise in BSA/AML regulations, FinCEN requirements and OFAC sanctions enforcement. A former bank examiner with the Office of the Comptroller of the Currency (OCC), he has conducted more than 120 compliance examinations across community banks, credit unions and money service businesses. He holds a Juris Doctor from Georgetown University Law Center and is a Certified Anti-Money Laundering Specialist (CAMS) as well as a Certified Regulatory Compliance Manager (CRCM). His career spans both the regulatory and private sectors, giving him a unique perspective on building compliance programs that satisfy federal and state examiners while remaining operationally efficient. He specialises in the intersection of regulatory technology and traditional compliance frameworks in the US market.