Saltmarsh partners with banks, credit unions, and fintechs to navigate an increasingly complex regulatory and risk environment. Our team delivers a full spectrum of audit, compliance, risk, and advisory services, providing practical, forward-looking solutions tailored to each institution’s size, structure, and strategic priorities.
Stay ahead with our latest benchmarking updates. Compare your institution’s performance with peers across the Southeast. Our quarterly reports are now available for:
Quarterly bank performance reports available for Alabama, Florida, Georgia, Kentucky, Mississippi, and Tennessee.
Quarterly credit union performance reports available for Alabama, Florida, and Georgia.
Stay ahead of regulatory change with clear, focused summaries of the most material compliance developments from the past quarter. Designed to support informed decision-making, it highlights what’s changed, what’s effective now, and what may require action.
Saltmarsh partners with financial institutions across the spectrum, tailoring our services to the needs, size, and structure of each organization. Whether you're navigating complex regulations, scaling operations, or responding to examiner feedback, our team is built to help you move forward with clarity and confidence.
We help community and regional banks meet regulatory demands, enhance internal processes, and build sustainable growth strategies in a competitive environment. Learn More
Our team understands the unique mission and governance of credit unions. We support compliance, audit, and operational improvements aligned with your member-first focus. Learn More
As fintechs grow and partner with banks, regulatory expectations increase. We help startups and established platforms build credible compliance frameworks, conduct required reviews, and prepare for bank partnerships or growth milestones. Learn More
At Saltmarsh, our goal is to function as an extension of your team. With decades of industry experience, we bring firsthand knowledge of how financial institutions operate and how regulations are enforced. Our team includes former bankers, compliance officers, regulators, and auditors who understand what it takes to succeed on both sides of the exam table.
We focus on delivering clear, actionable guidance that fits your institution. Clients count on us for our responsiveness, attention to detail, and ability to see the bigger picture. We don’t just help you meet requirements. We help you build stronger, more resilient operations.
Saltmarsh’s Financial Institutions team is led by professionals who have spent decades inside banks, regulatory agencies, and consulting practices. Their insight goes beyond theory: they’ve led through change, built compliance programs from the ground up, and served as trusted partners to banks across the country.
Their leadership sets the tone for every engagement, ensuring our clients receive practical guidance, timely communication, and solutions tailored to their specific challenges.
Josh is a partner with experience across audit, accounting, and advisory services. He joined Saltmarsh in 2010 and has spent his career focusing on providing audit and advisory services to financial institutions.
Kristen is a partner in the Financial Institution Advisory Group. Since 1995, she has been providing legal counsel, audit services in regulatory compliance and operations. In her leadership role, Kristen oversees internal coaching and training for Saltmarsh consultants. Provides guidance and education to compliance officers, BSA officers, executive management, and boards of directors. She serves as the primary facilitator and emcee for the Florida Bankers Association’s BSA and Consumer Compliance Conferences and leads peer groups, annual BSA Summit, and forums for the Georgia and Tennessee Bankers Associations.
Jason is a partner with experience across technology risk consulting and information systems. He began his career in the technology field over 20 years ago, focusing on risk management and compliance. His primary areas of experience include providing technology risk consulting services to highly regulated industries, including financial institutions, healthcare, and the defense industrial base.
Jay is a partner of the team who provides audit and assurance services. He has over 20 years of experience providing audit and accounting services to financial institutions. Jay specializes in financial statement audits, internal audits, loan reviews, and consulting for the firm’s financial institution clients.
Sarah is a director with experience in regulatory compliance and consulting services for financial institutions. She began her career in financial services with a strong focus on compliance reviews and regulatory frameworks. As a member of the firm’s Financial Institution Advisory Group with over 20 years of experience, Sarah specializes in compliance management systems, deposit and lending regulations, marketing practices, and Fair Credit Reporting Act (FCRA) compliance. Before joining Saltmarsh, Sarah led regulatory change and implementation teams, gaining valuable hands-on experience at both community and regional banks.
Lorraine is a director with experience across internal audit, compliance, and regulatory risk management. She began her career in the financial services industry over 30 years ago in internal audit before transitioning to a compliance and risk management role focusing on lending compliance, fair lending and responsible banking practices. Her primary areas of experience include supporting financial institutions of all sizes in managing fair lending and CRA responsibilities, ensuring regulatory compliance, and mitigating risk.
Join our email list for banks or credit unions to receive quarterly insights and information on upcoming events from our team of experts to help you succeed in this ever-changing environment.
Questions about compliance, risk, or operational strategy? Looking for a partner who understands the demands of running a bank in today’s environment? We’re here to listen, advise, and act. Reach out today to connect with our team and learn how Saltmarsh can support your next step.
