The Bank Advisors Group

Bank Advisor: Paul Allen, CPA Bank Advisor: Paul Allen, CPA

Paul Allen, CPA

Phone: 800-477-7458 Ext 1401

Paul is a Shareholder in the Financial Institution Advisory Group at Saltmarsh, Cleaveland & Gund and has over 25 years of public accounting and senior management experience, primarily serving the financial institution industry. Prior to joining Saltmarsh, he worked with an international accounting firm and served in various senior management roles with several financial institutions, including as Chief Financial Officer.

Paul has extensive experience advising clients on accounting and financial reporting matters, enterprise risk management, asset liability management, mergers and acquisitions, and strategic planning. He has served on several public and private boards.

Bank Advisor: Lee Bell, CPA, ABV Bank Advisor: Lee Bell, CPA, ABV

Lee Bell, CPA, ABV

Phone: 800-477-7458 Ext 1301

Lee serves as the president of Saltmarsh, Cleaveland & Gund and is responsible for promoting the strategic plan of the firm. Additionally, he plays integral roles in firm practices serving highly regulated industries, including financial institutions.

Lee began his public accounting career in 1991 with an international firm, joining Saltmarsh in 2001. He has experience in consulting and compliance matters (particularly with financial institutions), private equity matters, mergers and acquisitions, business valuation and litigation support. Lee also actively serves a number of accounting and assurance clients of the firm.

Bank Advisor: Nathan Botts, CPA, CFSA Bank Advisor: Nathan Botts, CPA, CFSA

Nathan Botts, CPA, CFSA

Phone: 800-477-7458 Ext 1075

Nathan is a Director in the Financial Institution Advisory Group of Saltmarsh, Cleaveland & Gund. He served on the Financial Institution Committee of PKF North America. Nathan has over thirty-five years of experience consulting with financial institutions in the areas of accounting and regulatory issues. He has served the needs of clients throughout the Southeast.

Bank Advisor: Alex Hager Bank Advisor: Alex Hager

Alex Hager

Phone: 800-477-7458 Ext 1113

Alex retired as a shareholder in the Financial Institutions Advisory Group of Saltmarsh, Cleaveland & Gund on December 1, 2015 and presently serves the firm as a director. He has been directly involved with financial institutions since 1974, both as a consultant with Saltmarsh, and as a regulator with the Florida Department of Banking and Finance and the Florida Office of Financial Regulation (OFR). He began his regulatory career as an entry level examiner and concluded his 34 years of regulatory experience with OFR as Interim Commissioner. Since joining Saltmarsh, Alex’s primary practice areas include regulatory enforcement action compliance, strategic planning, enterprise risk management, policies and procedures development, expert witness testimony and firm marketing.

Bank Advisor: Denice Miller, CPA Bank Advisor: Denice Miller, CPA

Denice Miller, CPA

Phone: 800-477-7458 Ext 1404

Denice is a Shareholder in the Financial Institution Advisory Group at Saltmarsh, Cleaveland & Gund, actively serving financial institutions primarily regarding audit and assurance services. Denice began her career in public accounting 25 years ago in the Central Florida area.

Bank Advisor: Bill Massey, CPA, CFSA Bank Advisor: Bill Massey, CPA, CFSA

Bill Massey, CPA, CFSA

Phone: 800-477-7458 Ext 1097

Bill is a Shareholder in Saltmarsh’s Financial Institution Advisory Group. He has been providing financial institutions with audit and accounting,and advisory services since 1990. Bill has extensive experience assisting with accounting and reporting issues. He also has significant experience performing financial projections, loan and credit quality reviews and regulatory reporting.

Bank Advisor: Stephen Reyes, CISA Bank Advisor: Stephen Reyes, CISA

Stephen Reyes, CISA

Phone: 800-477-7458 Ext 1090

Stephen is a Shareholder in the Information Technology Services Department of Saltmarsh, Cleaveland & Gund. Stephen joined the firm in 1997 and has been practicing in this field since 1990. His experience includes computer networking and technology consulting. Stephen is a Certified Information Systems Auditor, Microsoft Certified Systems Engineer and a Cisco Certified Network Associate. He also holds certifications with ISACA, Novell, Citrix and CompTIA. Stephen has assisted numerous financial institutions with MIS compliance audits, security audits, as well as system selection, implementation and conversion.

Bank Advisor: <font style='font-size:14px;'>Kristen J. Stogniew, Esq., CFE</font> Bank Advisor: <font style='font-size:14px;'>Kristen J. Stogniew, Esq., CFE</font>

Kristen J. Stogniew, Esq., CFE

Phone: 800-477-7458 Ext 1333

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 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 co-hosts a podcast on social media for financial institutions (The Bank On It! Show) and speaks regularly at state and local industry, compliance and BSA/AML associations.

We know financial institutions.

Since 1944, Saltmarsh has been providing auditing, tax, and consulting services to a wide range of financial institutions. We currently serve approximately 140 financial institutions, ranging in size from $30 million to over $7 billion in total assets. As industry specialists, we know the financial, operational and regulatory challenges you face. We also know the solutions you need.

We take pride in building long-lasting relationships with our clients. We encourage you to contact us to learn more about the benefits of establishing a relationship with our firm and the quality of our professional services.

The Bank Advisors - a Division of Saltmarsh, Cleaveland & Gund - Certified Public Accountants And Consultants
Phone: 800.477.7458 ° Email: thebankadvisors@saltmarshcpa.com
(c) 2017 Saltmarsh, Cleaveland & Gund

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