The Bank Advisors

Paul Allen, CPA

Phone: 800-477-7458

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.

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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.

Lee Bell, CPA, ABV

Phone: 800-477-7458

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.

Constance E. Edwards, CRCM

Phone: 800-477-7458

Connie is a shareholder in the Financial Institution Advisory Group of Saltmarsh, Cleaveland & Gund. Her areas of expertise include development and implementation of risk-based compliance audit programs, in addition to a wide range of legal and regulatory affairs knowledge in both private and corporate practice environments. She previously served as President and CEO of her own compliance consulting practice Banc Compliance Group, LLC, where she worked extensively with institutions regulated by the Federal Reserve’s Atlanta and St. Louis District offices; the Office of the Comptroller of the Currency; and the Federal Deposit Insurance Corporation.

Bill Massey, CPA, CFSA

Phone: 800-477-7458

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.

Denice Miller, CPA

Phone: 800-477-7458

Denice is a director 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.

Stephen Reyes, CISSP, CISA

Phone: 800-477-7458

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.

Kristen J. Stogniew, Esq., CFE

Phone: 800-477-7458

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 financial institutions on legal, operational and compliance concerns. Kristen is an Adjunct Faculty Member at the Florida State University’s College of Law, and an instructor at the University of Florida’s School of Banking. She is a regular speaker at state and local industry, compliance and BSA/AML associations.

Meet our Bank Consulting Team

Saltmarsh Bank Advisors
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