The Link to Banking Executive Team

Experts in Cannabis Compliance

As former bankers, we appreciate the critical need for compliance and understand the often cost prohibitive time and resources required to work with high-risk clients. Our extensive knowledge and partnerships within the cannabis industry provide us with unique insight into the enhancements banks need to make so they can confidently provide cannabis businesses with banking services and remain compliant.

Tom Fleming - Cannabis Banking Expert
Email Tom

Tom Fleming, Chairman of the Board and Co-Founder


Email: tom@linktobanking.com

Mr. Fleming has over 48 years’ experience in both the financial services industry and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) compliance.

Most recently he was the Assistant Director for the Office of Compliance at the Financial Crimes Enforcement Network (FinCEN) responsible for ensuring industry compliance with the Bank Secrecy Act through active partnerships with regulatory and law enforcement agencies as well as financial institution trade associations. Prior to that, he was the Assistant Director for FinCEN’s Policy Office and previously served as the Deputy Assistant Director for Compliance and Enforcement at FinCEN’s predecessor agency, Treasury’s Office of Financial Enforcement. Prior to returning to FinCEN he worked as a Senior Compliance Specialist for the Office of the Comptroller of the Currency where he developed BSA/AML policies and examination procedures. In these positions he reviewed, analyzed and advised on BSA regulations, rulings and policies, supervised civil penalty investigations of BSA violations and negotiated civil money penalty settlements.

Mr. Fleming also worked as a Program Analyst for Treasury’s Office of Thrift Supervision providing educational programs and compliance assistance to financial institutions, primarily in the area of BSA.

Prior to joining the government he was a banker for over 22 years. He was responsible for successfully developing and implementing numerous compliance programs as regulations were brought into force or amended.

During his government career, Mr. Fleming was recognized as an expert and authoritative speaker on BSA/AML issues and has spoken extensively on these matters to audiences throughout the U.S. and abroad over the last 20 years.

Mr. Fleming is also a Certified Anti-Money Laundering Specialist (CAMS) and established Tom Fleming & Associates, LLC, BSA/AML Compliance Consultants in 2013.

Email Robert

Robert Casares, President and Co-Founder

Email: robert@linktobanking.com

Mr. Casares provides Financial Crime Risk Management consulting services to financial institutions nationwide.   He has extensive experience in the banking, information technology and financial crime risk management industry. He’s a highly accomplished Certified Anti-Money Laundering Specialist (CAMS) with a comprehensive background in diverse areas of fraud detection, compliance, banking, information technology, check fraud, BSA/AML, wire fraud, ACH, and credit/debit card fraud.

Prior to working with Link to Banking he was the Director of a debit card fraud division for a large financial data processing center. In that role he directed a fraud team that was comprised of fraud analysts and developers that provided 24/7 fraud prevention support to over 150 financial institutions. His experience in conducting multiple high profile fraud investigations with members of Secret Service, FBI, and IRS Criminal Investigations resulted in positive identification of merchant breaches and other significant fraud activity.

Mr. Casares also served as a Corporate Security Officer for a large community bank where he directed all aspects of fraud and Anti-Money Laundering investigations. He coached and educated branches on bank security, check fraud, counterfeit currency, anti-money laundering, and overall fraud prevention, as well as conducted mock bank robbery training for all branches of the bank.

Throughout his career, Mr. Casares has served as a Subject Matter Expert in various areas of financial crime risk management facilitating fraud training for law enforcement and financial institutions aiding them in recognizing new fraud trends and schemes.

Values

Our priorities and guiding values are simple:

Link to Banking leverages the latest technology and business management platforms to promote beginning-to-end compliance.

We believe in the importance of transparency when building long-lasting business partnerships.

We believe that working as a group of progressive individuals helps both industries maintain compliance obligations.

We are paving the way for providing banking services to the cannabis businesses.