Carolyn Dicharry is the President of Canaria Consulting, LLC, an independent consultancy specializing in the development of compliance programs for companies in the virtual currency space. Carolyn most recently served as the BSA Officer at Ripple, where she developed and managed various financial crimes compliance programs related to the Ripple’s virtual currency-related products. Prior to joining Ripple, Carolyn worked as a compliance officer for Sigue, a leading global money transfer firm, and managed AML investigations at Wells Fargo’s FIU. Carolyn holds a BA in Economics and Spanish from the Clark Honors College at the University of Oregon, an MBA from the University of California, Davis’ Graduate School of Management, and is a Certified Anti-Money Laundering Specialist through ACAMS. Her clients include virtual currency-related money services businesses, alternative payments platforms, and trust companies within the United States.