Terri Sands
Ms. Sands is a Managing Director in the Payments, Compliance and Financial Crimes group. Ms. Sands specializes in Payments and Regulatory Compliance & Financial Crimes.
Ms. Sands founded Secura Risk Management, a firm that specializes in financial planning and wealth 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 including the Federal Reserve Bank of Atlanta and serving in various positions in a community bank including Director of Payments Strategy and Risk Management and Director of Financial Investigation’s Unit.
Throughout her career, Ms. 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 institution (e.g., banks, credit unions, bankers banks) and financial technology provider clients. Ms. Sands works with clients to develop strategies to enhance payments, BSA/AML, and fraud programs and processes. She has assisted multiple financial institutions successfully work through regulatory scrutiny and public enforcement actions for both National and State chartered financial institutions.
Her personal approach, professional experience and understanding of the needs of financial institutions and FinTech providers provides a practical approach for assisting clients to mitigate risk by promoting change.
Ms. Sands regularly authors publications, speaks with, conducts webianrs, and trains practictioners, 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.
