Julio Prada is a compliance professional with over 25 years of  regulatory experience with the California Department of  Business Oversight, supervising financial institutions, foreign banking organizations, managing a portfolio of the nation’s largest Money Services Businesses (MSBs), and directing the MSB application unit.  He also has extensive enforcement experience working with state and federal authorities, developing examiner work programs, rating systems, supervising staff, and evaluating new payment technology.  Julio is bilingual in Spanish, a graduate of San Jose State University, and is ACAMS certified.