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.