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The Company

Mitigating Risks by Promoting Change

A message from the Founder, Terri Sands

Secura Risk Management is a boutique consulting firm and membership organization that works closely with financial institutions to safely change with growing technology and regulatory requirements.  Secura also works with FinTech companies to understand the needs of financial institutions based on balancing regulatory compliance with exceptional customer experience.

Over the past few years, there has been significant movement in the financial institution and FinTech industries.   There has also been more pressure on the financial industry to keep up with the speed of changes in technology that has changed the way customers think and interact with their financial institution and technology companies.  Changes may include  moving payments faster, expediting workflows/processes to match the customer need, changing the way we identify and authenticate customers and employees, and  the way customers choose to have their experience.  Along with these and other changes, it is all about staying in the guard rails of regulatory guidance while balancing the need of the customer based on how they choose to use your business.

The purpose of Secura Risk Management is to break down complex regulations and rules and help financial institutions and FinTech companies comply while remaining competitive.  Emerging risks and fraud threats continue to increase and the costs associated with one fraud event, a regulatory consent order, a consumer privacy or data breach, or financial loss due to untrained staff or broken processes could be significant and result in reputational damage.

Secura Risk Management has expertise in payments risk and strategy,  BSA/AML, financial crimes, information security, customer privacy, regulatory compliance,  and emerging risks.  Secura’s evolving strategy is to make certain we continue to provide our clients with the most effective and practical risk management programs to make it easy for you to do business.

We exceed compliance expectations by using leading and efficient business practices based on internal and external threats.  Secura makes risk management simple so that you can eliminate the unnecessary to focus on the necessary.

Terri Sands, CAMS - Audit, AAP, CFE, At-Risk Adult Crime Tactics (ACT) Specialist

Experience

Founder, Secura Risk Management

Terri Sands, CAMS – Audit, AAP, CFE, At-Risk Adult Crime Tactics Specialist (ACT)

Terri is the founder of Secura Risk Management and leads the company in its strategic efforts to offer the most pressing and needed services in payments, BSA/AML, Cybersecurity and fraud. Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations. Terri consults and speaks frequently for regulatory and governmental agencies on topics including payments risk management and strategy, operational compliance, BSA/AML, financial crimes, operational risk management improvements and efficiencies. Terri has authored numerous publications and articles on payments risk management, fraud prevention, money-laundering prevention strategies, elder financial exploitation, and identity theft red flag compliance. Terri also served as the Director of the Payments Risk Management and the Financial Investigative Unit for State Bank & Trust where she was responsible for payments risk management, fraud management, physical security and BSA/AML.

Terri is an Advanced Certified Anti-Money Laundering Specialist (CAMS – Audit), a Certified Fraud Examiner (CFE), an At-Risk Adult Crime Tactics (ACT) Specialist and an Accredited ACH Professional (AAP).

Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri  served as the President of the Georgia Automated Clearing House Association (GACHA), a non-profit, regional payments association where she provided strategic direction for the association and its membership.  Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District. In addition, Terri led the efforts for training financial institutions throughout the Sixth District on the National Electronic Federal Tax Payment System (EFTPS).

 


Dena Somers

Dena Somers is a nationally-recognized compliance expert in the banking and non-bank FinTech industries. As both legal counsel and industry consultant, Dena has advised hundreds of small and large banks, credit unions, and specialty finance companies in all areas of regulatory compliance and risk management for the past 19 years. She has specialized, hands-on expertise in all areas of mortgage banking, servicing, and regulated consumer lending, having served as General Counsel and Chief Compliance Officer to a national mortgage servicing company, FNMA delegated lender, and Fintech marketplace lender.

Dena is a published author for Lexis Nexis in the areas of marketplace lending, consumer and business lending, residential and commercial real estate lending, specialty finance, syndicated loan financing, and complex secured lending.

Dena is also an experienced public speaker on compliance and emerging trends, having presented before the Virginia legislature, CBS news and radio, and various trade associations. Dena co-authored several state legislative proposals regarding mortgage loan documentation requirements and has served as an expert witness in both federal and state courts regarding mortgage loan compliance and risk management best practices.


Jesse Morton, J.D., LL.M., CPA/CFF, CFE, At-Risk Adult Crime (ACT) Specialist

Jesse has over 15 years of experience as a consultant, lawyer, accountant, investigator, and external/internal auditor.  He previously worked in KPMG’s Forensic practice and during law school worked in the SEC’s Division of Enforcement in the Financial Fraud Task Force through the Honors Law Program.   Jesse specializes in assisting clients with all phases of the fraud, waste, abuse, and misconduct prevention, detection, response, and remediation lifecycle.  That includes specializations and experience in: Performing investigations related to financial statement fraud, asset misappropriation, and/or regulatory violations; conducting anti-money laundering (BSA/AML) and anti-bribery/corruption (FCPA) engagements; securities and trading violations related engagements; mortgage and loan origination and servicing fraud engagements; conducting fraud risk assessments; establishing and enhancing regulatory compliance and ongoing monitoring processes and procedures; developing and strengthening fraud prevention, detection, and response controls and anti-fraud programs including corporate governance; insider threat and third-party risk management; and litigation assistance including expert witness support.

Jesse wrote for Thomson Reuters Westlaw Business, and also served as the Adjunct Professor at George Mason University teaching Fraud & the Law.

Education

LL.M., University of Cambridge

J.D., University of Richmond

B.S., Accounting, University of Maryland

Licensed Attorney (FL)


Scott Rosenbaum, CPA, CFE

Scott Rosenbaum has over 8 years experience as a consultant, investigator, and accountant.  He previously worked in KPMG’s Forensic practice and for a private think-tank providing forensic accounting, litigation, and investigation consulting services to clients in a variety of matters.

Scott specializes in investigations and also performs work related to fraud risk management, regulatory compliance and monitoring, and dispute advisory/litigation assistance. Scott works closely with external counsel, in-house counsel,  corporate boards, management teams,  not-for-profit directors, and high-net worth individuals in the context of complex commercial litigation, fraud and financial investigations, and business and partnership disputes.  Additionally, Scott lived overseas for two years and has experience living, working, and performing investigations in various countries.

Scott is a Certified Public Accountant (CPA) and a Certified Forensic Examiner (CFE).

Education

M.A.C., Accounting, University of North Carolina

M.A., Islamic and Middle East Studies, The Hebrew University of Jerusalem

B.A., Middle East History and Jewish Studies, Tulane University

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Top financial industry leaders and regulatory firm principals

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Membership Gives You More

Secura members get access to exclusive content, services & events

  • Exclusive Member Only Webinars on Risk Trends and Leading Business Practices
  • Ongoing Risk Management Expert Support Services
  • Bi-Annual Risk Management and Strategy Roundtable Meetings
  • Brandable Communication Resources