Justin Muscolino is the CEO & Co-Founder of High-risk Education, where he helps companies build stronger compliance training programs. With over 20 years of experience—including roles at FINRA, JPMorgan Chase, UBS, and Macquarie —Justin brings a practical understanding of how to meet regulatory expectations while keeping training clear and useful. He’s worked with banks, fintechs, and other high-risk industries to improve how they train staff on rules, risks, and responsibilities.

Through High-risk Education, Justin focuses on simplifying complex topics like AML, KYC, and consumer protection. He’s led training initiatives around the world and works directly with clients to close compliance gaps and reduce risk. Known for being hands-on and results-driven, Justin also serves as an advisor and writer for several industry groups and continues to support organizations in building a culture of accountability.

Lourdes Miranda is the Principal Consultant for the FinTech Advisory Group, LLC, a Washington, DC-based consulting firm.

Since 2018, Lourdes has been consulting for crypto and blockchain entities, FinTechs globally, crypto exchanges, international remittance services, money service businesses, financial institutions, and payment processors as a Chief Compliance Officer, Head of Financial Intelligence Unit, and Investigator. Lourdes has built crypto compliance and investigative programs, conducted financial crime investigations, led task force teams, and collaborated with legal, C-suites, marketing social media directors, engineers, and product developers. Lastly, Lourdes holds multiple certifications in crypto, blockchain, ethereum, financial intelligence and financial investigations, and compliance.

Lourdes is a former senior CIA Officer and senior FBI Intelligence Analyst with over 25 years of government and corporate experience specializing in domestic and international criminal investigations that includes economic espionage and insider threats; financial crime investigations that included terrorist financing, trade-based money laundering, corruption, money laundering and fraud; crypto, blockchain, compliance, risk management, data analytics.

Michael is a partner in the boutique law firm of DeBlis Law where he specializes in tax compliance. Michael graduated from Western Michigan University School of Law in 2007 and later went on to earn his Masters of Law in taxation (LL.M.) from Thomas Jefferson School of Law in 2012.

As a former public defender, Michael has spent nearly fifteen years cutting his teeth on some of the most serious felony cases to pass through the state courts of New Jersey. Michael’s unique background in tax law puts him into an elite category of criminal defense attorneys who specialize in criminal tax defense. His extensive trial experience and solid grounding in all major areas of federal taxation make him uniquely qualified to handle any white-collar case, no matter how sophisticated it might be.

Michael has written articles that have been published in leading tax journals, such as “CCH Journal of Tax Practice and Procedure,” “EA Journal,” “Global Tax Weekly,” and “ABA News Quarterly” and is a columnist for “Law360.” He has been featured on the media affiliates of several major media networks, including NBC, ABC, CBS, Fox, and CNN.