FNBB, Inc. /

Terri Sands

Managing Director - Payments, Compliance and Financial Crimes
STOUT
Terri Sands

Mrs. Terri Sands specializes in Payments and Regulatory Compliance & Financial Crimes.

Prior to Stout, Mrs. Sands founded Secura Risk Management in 2011 and successfully led the company’s membership, consulting, and compliance auditing practices. She has extensive experience in the financial services industry, including 20 years of consulting experience and 15 years of direct banking experience in the Federal Reserve Bank of Atlanta. Mrs. Sands has also served in various positions in a community bank, including Director of Payments Strategy and Risk Management and Director of the Financial Investigation’s Unit.

Throughout her career, Mrs. Sands has served as a leader in the payments, BSA/AML and OFAC/Sanctions, and fraud and risk management areas, providing education, risk management, strategy, compliance, and program enhancement support for financial institutions of all types and sizes, including fintech providers.

Her consulting engagements have primarily focused on financial institutions (e.g., banks, credit unions, bankers’ banks) and fintech clients. Mrs. Sands works with clients to develop strategies to enhance payments, BSA/AML, and fraud programs and processes. She has assisted both national and state- chartered financial institutions to successfully work through regulatory scrutiny and public enforcement actions.

Her personal approach, professional experience, and understanding of the needs of financial institutions and fintech providers leads to a practical approach for assisting clients to mitigate risk by promoting change.

Mrs. Sands regularly authors publications, and she speaks with, conducts webinars for, and trains practitioners, financial regulatory and governmental agencies, and other experts on topics including but not limited to payments, fraud prevention, risk management and strategy, operational compliance, BSA/AML and OFAC/Sanctions, financial crimes, elder financial exploitation, and operational risk management improvements and efficiencies.

Designations:

  • Advanced Certified Anti-Money Laundering Specialist (CAMS – Audit)
  • Certified Fraud Examiner (CFE)
  • At-Risk Adult Crime Tactics (ACT) Specialist
  • Accredited ACH Professional (AAP)

Practice Areas:

  • Regulatory Compliance & Financial Crimes
  • Complex Business Litigation Investigations

Industry Focus:

  • Financial Services