Inside this Edition

• From the editor
• August–October CAMS graduates
• Member spotlights
• A message from the Executive Vice President
• Expert spotlights
• Going for gold?
• Mortgage loan fraud: Analysis of loan modification advance fee scams
• Financial elder abuse: A growing concern with beneficial ownership
• The retaliation factor
• Communications 101 for the AML compliance professional
• Connecting AML concerns with new product development
• Closing accounts requires the same scrutiny as opening them
• Developing key risk indicators
• Central Asia
• Conference Review
• ACAMS Sales Department
• Know Your Chapter
• Calendar of Events