Operations and Compliance Team

Meet our Operations and Compliance Team:
Sandy Combs - Senior Vice President, Director of Operations and Compliance
Sandy Ruby - Vice President, Trust Operations Manager
Dylan Fouts - Trust Operations Specialist
Abigail Stopper - Trust Operations Specialist
Headshot of Sandy Payne in a dark grey suit.  Building in background with golden yellow trees.
Sandy Combs, CFIRS™, CSOP™
Senior Vice President
Director of Operations and Compliance
859.389.5300

Sandy rejoined CTIC's Wealth and Trust Management family in 2018 as Senior Vice President and Director of Operations and Compliance. Sandy originally joined WTM in 1995. She has previously held positions at Liberty National Bank (now J.P. Morgan Chase) and Central Bank.
Sandy has extensive experience in financial operations and compliance, holding designations as a Certified Fiduciary and Investment Risk Specialist™ (CFIRS™) and a Certified Securities Operations Professional™ (CSOP™).
She is originally from Louisville, KY and currently resides in Versailles, KY. In her spare time, Sandy enjoys spending time with her family at the lake.
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Headshot of Sandy Ruby in a black suit.  Building in background with golden yellow trees.
Sandy Ruby, CFIRS™
Vice President
Trust Operations Manager
859.879.5438

Sandy joined CTIC's Wealth and Trust Management family in 2002. She is a Certified Fiduciary and Investment Risk Specialist™ (CFIRS™).
She attended California State University, Northridge and the University of Kentucky.
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Headshot of employee Dylan Fouts in a black suit jacket with cherry blossom trees in the background.
Dylan Fouts
Trust Operations Specialist

859.879.5438


Dylan joined CTIC's Wealth and Trust Management family in 2015. As Trust Operations Specialist, he is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities. Prior to joining WTM, he worked for Community Trust Bank.

Dylan graduated from Asbury University with degrees in sports management and business. He currently resides in Versailles with his wife and daughter and enjoys spending time with his family.

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Headshot of Abigail Stopper in black suit jacket in park with rocks, water and green trees.
Abigail Stopper
Trust Operations Specialist
859.879.5438

Abigail joined CTIC's Wealth and Trust Management family in 2016. Prior to joining WTM, Abigail worked at Galbraith Chiropractic, University of Kentucky Opthalmology, Xerox, and Aramark, which are all located in Lexington, KY. Abigail earned her Associate of Arts degree in information technology from the University of Phoenix and is currently pursuing her Bachelor of Science degree in information technology and software engineering. She is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities.
Abigail grew up in Lexington, KY and still resides there today. She enjoys spending time with her son, Ian, participating in functions at her church, and spending time with her friends.
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