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Kristen J. Stogniew, Esq., CFEShareholder

Phone: 800-477-7458
Email: kristen.stogniew@saltmarshcpa.com
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Kristen is a shareholder in the Financial Institution 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

Storytelling Matters: Sharing Your CRA Efforts During Exams

Areas of Practice

Industries of Focus

Financial Institutions

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.

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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.

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