Good morning! It is a pleasure to be with you here in the
Windy City. I know that
over the past week, you have been immersed in discussions about
financial crimes, from mortgage fraud to identity theft.
In looking through my program, I noticed that some of the
sessions earlier in the week were entitled "Introduction to Credit
Card Fraud," "Introduction to Check Crimes," and "Introduction
to Internet Crimes." It sounds like an ideal course catalogue - not just for financial
crimes investigators, but also for aspiring criminals!
Back in Washington, I serve as the Executive Assistant Director for Law Enforcement
Services. Before that, I headed up the FBI's Criminal
Investigative Division, where every day featured a meeting of
financial crimes investigators.
One of the highlights of my current job is meeting with
groups like this - dedicated public servants who share the FBI's
mission to protect our fellow citizens from crime and terrorism.
The FBI has long been regarded as the world's premier law enforcement
agency - and it still is. But
the attacks of September 11, 2001, changed the course of American
history, and of the FBI's history.
Since that day, nearly three years ago, the FBI has moved
steadily from an organization that was primarily focused on traditional
criminal investigations to one that is actively investigating
and disrupting terrorism.
Today, I want to give you an overview of the FBI's ongoing transformation into
the world's premier investigative, counterterrorism and domestic
intelligence agency. I also want to talk about the threats we face in the financial crimes
arena, and how we not only can, but must work together
to meet and defeat these threats.
* * *
Most
of you know the FBI was created almost a century ago because crime
had begun to cross county and state lines.
In the 1930s, bank robbers and other criminals took advantage
of new technology - cars - to help them escape across state borders
and elude capture and prosecution. Back then, bank robberies were
one of the few forms of financial crime.
Nearly 100 years later, criminal activity traverses international boundaries
with the click of a mouse, and criminals can hide behind the cloak
of anonymity provided by the Internet. Today, we are not just chasing bank robbers
across state lines. We
are tracking Internet hackers, corrupt CEOs, identity thieves,
human traffickers, and terrorists and their supporters across
international boundaries.
We
are seeing a growing convergence of threats both old and new.
We see organized crime laundering money for drug groups. Drug groups selling weapons to terrorists. Terrorists committing white-collar fraud to
raise money for their operations.
All of them exploiting the Internet in one way or another.
Crime,
like business, has gone global.
The threats we face today have an increasingly international
dimension - from telemarketing fraud and identity theft, to computer
viruses and corporate espionage, to the trafficking of weapons
or human beings, to terrorism. Criminal and terrorist enterprises have replaced the threats of
the last century. Unfortunately,
these threats are the product of the modern world in which we
live. Fortunately, we in the FBI have changed
to meet these new threats. Let
me give you a few examples.
First,
we adjusted our priorities. Today,
our counterterrorism program is our number one priority, followed
by counterintelligence and cyber crime.
This means that no counterterrorism matter goes unaddressed,
even if it means a diversion of resources from other FBI programs.
Every other FBI program, including criminal, supports these
top three priorities either directly or indirectly.
Second,
we overhauled the structure of the FBI, adding the Office of Intelligence,
the Security Division, the Terrorism Financing Operations Section
and the Espionage Section to support these new priorities.
The Criminal Division and the field completed a very significant
restructuring and change in business practices.
Priorities are now based on threats, and investigations
are intelligence-driven. We
also realigned our workforce, shifting agents to counterterrorism
and adding hundreds more agents and analysts.
We also centralized counterterrorism management at FBI
Headquarters to ensure that we can coordinate investigations across
the country and throughout the world.
Third,
we dramatically increased our intelligence capability.
While the FBI has always excelled at intelligence-gathering,
we needed to improve our ability to analyze and share that information. We created an Office of Intelligence and appointed
an Executive Assistant Director for Intelligence to oversee all
intelligence functions throughout the FBI.
We are recruiting and training hundreds of intelligence
analysts, and establishing an intelligence career path for both
agents and analysts. We are active participants in the Terrorist
Threat Integration Center and the Terrorist Screening Center. And Director Mueller recently proposed the
establishment of a Directorate of Intelligence within the FBI,
which will have broad authority over all intelligence-related
functions.
Day
by day, intelligence is woven more deeply into the fabric of all
FBI programs and operations. Intelligence is becoming as routine to every
FBI Agent as his or her gun and credentials.
Fourth,
we improved our information sharing and coordination with the
private sector and our law enforcement and intelligence partners.
The Patriot Act broke down the barriers that hindered our
cooperation with the CIA. We
have made a tremendous effort to strengthen and build upon our
relationships with our private sector, federal, state, and local
partners. Today, we have
100 Joint Terrorism Task Forces around the country. In 2001, we had only 35. Today, we have 49 Legal Attaché offices around
the world, assisting our international counterparts in intelligence
and law enforcement. Today,
we all sit at the same conference tables.
We exchange officers and agents.
We chase down leads and solve cases together.
Fifth,
we have made tremendous progress in upgrading our information
technology. We all know that it doesn't take long for criminals
and terrorists to catch on to our technology and to adjust their
tactics. Secure, state-of-the-art
information technology systems are critical to our ability to
share information and to perform our core investigative functions. We are well on our way toward modernizing our information technology,
and we have plans in place to continually upgrade it so that we
stay several steps ahead of our enemies.
Sixth,
we continued to uphold our traditional criminal responsibilities. We are still investigating violent crime, drugs, organized crime,
gang activity, and financial crimes.
We are still cracking down on corporate fraud and public
corruption. We are still committed to protecting the civil
liberties of all Americans.
This
is no small feat. To effectively
confront all the criminal threats we face, the FBI has had to
use its resources strategically, focusing on areas where we bring
something special to the table or have unique jurisdiction.
Today, all assets of our criminal program are leveraged
to support our counterterrorism, counterintelligence, and cyber
priorities. This strategy
has helped us to eliminate institutional stovepipes, improve information
sharing, and fully integrate intelligence into our criminal programs.
The criminal program has also pioneered a key counterterrorism strategy - focusing
on the underlying threat and not just the overt criminal action.
It is not enough to capture terrorist operatives - we must
demolish the entire terrorist organization, from financiers on
up. The same is true for criminal organizations. Whether a criminal enterprise manipulates stocks,
or smuggles drugs, weapons or humans, we must focus on dismantling
the entire infrastructure of the organization, not just on nabbing
the street criminals.
In every investigative area from counterterrorism,
to criminal, to cyber, we in the FBI have come a long way since
September 11, 2001. But
there is still much work ahead of us.
* * *
I want to turn for a moment to the threats we face in the financial crimes arena.
Financial crimes are no longer discrete entities. Today, financial crime means health care fraud,
mortgage fraud, check fraud, corporate fraud, money laundering,
telemarketing fraud, public corruption, identity theft, and terrorist
financing.
It has often been said that money is the root of all evil.
I don't know if that's the case, but I do know that
it is the root of terrorism. Terrorists rely on money to fund their training
and operations. They disguise
their fundraising activities as legitimate charity organizations. They resort to white-collar crime to raise
money. Money laundering
is no longer exclusive to sophisticated criminals, but is now
routine for terrorists.
Money can also be the fruit of terrorism and crime.
Today's terrorists and criminals use sophisticated business
practices to achieve their goals, not unlike those of legitimate
multinational corporations. Criminals today are not just stealing funds,
they are stealing credit card information, social security numbers
- entire identities - and selling them for profit.
Those who traffic in humans, drugs, or weapons are motivated
and rewarded by money.
The criminal landscape has changed
dramatically since the early days of the FBI.
Our enemies have diversified, and they make it a point
to be unpredictable. And
in today's world, our enemies do not fall into neatly divided
categories. The lines separating crime from terrorism have
blurred.
As financial crimes investigators,
it is inevitable that some of your cases will have a connection
to terrorism. Terrorists,
like common criminals, cannot hide forever in remote corners of
the world. They have to interact with society, particularly
if they intend to strike inside the United States. They may apply for credit cards and set up
bank accounts. They may
set up illegal money transfer systems.
They may solicit donations for charities that are fronts
for terrorist organizations. They may steal innocent identities - or create
bogus ones - to set their plans in motion.
* * *
Defeating them will not be easy - but it is critical.
This is why all of you - the Nation's finest financial
crimes investigators - are so important.
In today's FBI, criminal investigators scrutinize cases
from credit card fraud to food stamp scams for any nexus to terrorism,
particularly any terrorist-related financing. You do the same. Without money, terrorists cannot carry out their mission. It is our mission and it is your
mission to seize every opportunity to identify and stop them before
they can harm us. Where
appropriate, we need to work closely.
In this fast-paced and rapidly shrinking world, our challenge is to hold on to
what we know works, while making room for new and improved investigative
techniques and technologies.
Our mission is to aggressively investigate and prevent
crime and terrorism, while respecting and protecting the civil
liberties of all Americans. To do this, we must combine the tools of law enforcement with the
tools of intelligence. We
must use the same investigative capabilities to catch criminals
wiring funds to terrorists that we use to root out corporate fraud.
We must work locally, but think globally. And we must apply our unique strengths even as we share them and
blend them with those of other agencies.
Success demands our dedication and our continued commitment to working together.
By uniting to fight financial crimes, we are uniting to
protect our fellow citizens against all threats, from fraudulent
telemarketing to terrorism. If
we continue to work together, we cannot - and we will not - fail.
Thank you all for taking the time to attend this conference.
Thank you for your outstanding service to this great Nation.
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