Speaker: Kristen J. Stogniew, Esq., CFE

Topic: FinTech - Opportunities and Challenges for Financial Institutions and Anti-Fraud Professionals


This presentation will open your eyes to the changing nature of data, and the various ways that innovators are trying to disrupt the financial services industry.  Kristen will highlight the risks and ethical issues involved in “fintech” and what the industry, fraud and compliance professionals, and the regulatory agencies are doing or should do to mitigate those risks while supporting the US global innovation initiative. 



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Kristen Stogniew
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.