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 community banks on legal, operational and compliance concerns. Kristen leads a team of dedicated Saltmarsh professionals who provide internal audits, compliance reviews and other consulting services that help clients operate safely, soundly and in compliance with regulatory requirements.  Her primary areas of review include BSA, Loan and Deposit Compliance, Marketing and Retail Delivery (including Social Media), Trust, Governance and ACH. 

Kristen also provides one-on-one mentoring and customized training at the staff and director level, and facilitates a number of user groups (such as AML monitoring systems, loan origination systems, fraud/AML, and CMOs). In addition, she speaks regularly at state and local industry, compliance and BSA/AML associations.


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


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

Professional Affiliations

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

Industries of Focus


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

(850) 243-6713

(407) 203-8990

(615) 661-0885

(850) 435-8300

(813) 287-1111

(800) 477-7458

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