Our People


Kristen J. Stogniew, Esq., CFEShareholder

Kristen is a shareholder in the Financial Institutions Advisory Group of Saltmarsh, Cleaveland & Gund. She has more than 20 years of experience as a trusted advisor to financial institutions on legal, operational and compliance concerns. Kristen is an Adjunct Faculty Member at the Florida State University’s College of Law, and an instructor at the University of Florida’s School of Banking. She is a regular speaker at state and local industry, compliance and BSA/AML associations. 

Kristen leads a team of dedicated professional consultants who provide internal audits, compliance reviews and other consulting services and help our financial institution clients establish and maintain compliance with regulatory requirements. Her primary areas of consultation and oversight include: BSA/AML/OFAC Independent Tests; AML System Validations; all areas of Loan Compliance (e.g., TILA, HMDA, CRA, TRID, RESPA, MLA, Flood, ECOA/Fair Lending), Deposit Compliance, and Marketing/Social Media Compliance; Trust Administration and Operations, Affiliate Transactions (23A) and Governance reviews; and ACH/NACHA Compliance Reviews.  Kristen provides strategic advice, drafts policies and procedures, performs risk assessments and consults on board reporting, and provides one-on-one mentoring and customized training to all levels of the industry  – from the frontline to the directorate. As part of her passion and concern for the industry, she has organized and facilitated user groups for AML systems and loan origination systems (LOS), and regularly hosts meetings of regional fraud/AML professionals, compliance officers, marketing officers, credit union control officers, and Trust Company/Department control officers. 

Education

  • B.S. Finance - University of South Florida, Cum Laude
  • J.D. - Stetson University College of Law, Cum Laude

Certifications

  • Certified Fraud Examiner (CFE)
  • Member of the Florida Bar (1995)

Professional Affiliations

  • American Bankers Association
  • Association of Certified Fraud Examiners
  • Central Florida Compliance Association
  • Florida Bankers Association
  • Florida Bar Association
  • South Florida Compliance Association
  • Suncoast Bankers Compliance Association
  • The Anti-Money Laundering Association

Publications

Areas Of Practice

Saltmarsh CPA - Who We Are

Who We Are

Our professionals have the depth of experience, industry knowledge and worldwide resources to help you reach your goals. We put your success above all else as your trusted advisor.

Saltmarsh CPA - What We Do

What We Do

Saltmarsh offers a full range of professional services to accommodate your needs – from tax planning and accounting services to information technology and employee benefits consulting.

Saltmarsh CPA - Who We Serve

Who We Serve

Saltmarsh serves individuals and businesses. Personal attention, access to the right professionals and rapid response is how we serve.

Contact Us

FORT WALTON BEACH
(850) 243-6713

ORLANDO
(407) 203-8990

ST. PETERSBURG
(727) 821-9200

NASHVILLE
(615) 661-0885

PENSACOLA
(850) 435-8300

TAMPA
(813) 287-1111

info@saltmarshcpa.com
(800) 477-7458

Stay Connected

Sign up to receive updates and important information from Saltmarsh!