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
Keren Salehi - Vice President, Compliance Officer
Dylan Fouts - Operations Supervisor
Abby Blair - Compliance Systems Coordinator
Josh Cloyd - Operations Specialist
Abigail Stopper - Operations Specialist
Sandy Payne Combs, Senior Vice President of Operations and Compliance for Community Trust and Investment Company.
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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Sandy Ruby, Vice President and Operations Manager for Community Trust and Investment Company.
Sandy Ruby, CFIRS™
Vice President
Trust Operations Manager
859.389.5300

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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Keren Salehi, Vice President and Compliance Officer for Community Trust Wealth & Trust Management.
Keren Salehi, BSACS, CAMLS
Vice President
Compliance Officer
859.389.5300


Keren joined CTIC's Wealth and Trust Management family in December 2018 as Vice President, Compliance Officer. Before joining WTM, Keren was a Financial Institutions Examiner for the Kentucky Department of Financial Institutions.

Keren’s specialties in the compliance field are the Bank Secrecy Act and anti-money laundering, as she holds designations as a Bank Secrecy Act Compliance Specialist (BSACS) and a Certified Anti-Money Laundering Specialist (CAMLS). She graduated from Midway College in Midway, KY with a business administration degree in accounting.

She grew up in Lexington, KY and currently resides there today. In her spare time, Keren enjoys reading, being outdoors, and spending time with her family.

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Headshot of employee Dylan Fouts in a black suit jacket with cherry blossom trees in the background.
Dylan Fouts
Operations Supervisor

859.389.5300


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 employee Abby Blair in a teal dress shirt with cherry blossom trees in the background.
Abby Blair
Compliance Systems Coordinator

859.389.5300


Abby joined CTIC's Wealth and Trust Management family in 2015. Prior to joining WTM, Abby worked in the hospitality and insurance industries.

Abby is responsible for coordinating the use and efficiency of multiple systems within the Operations and Compliance department. With her broad base of knowledge in the insurance industry, she also assists the Business Development team in all steps of our life insurance processes.

Abby earned her Bachelor's of Science degree in business administration, with a concentration in management, from Morehead State University in Morehead, KY. She is also a licensed Life and Health Insurance Agent.

Abby is originally from Cincinnati, OH and currently resides in Lexington, KY with her son. In her free time, Abby and her son enjoy baking, crafting and visiting local parks.

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Josh Cloyd, Operations Specialist for Community Trust Wealth & Trust Management.
Josh Cloyd
Operations Specialist
859.389.5300

Josh joined CTIC's Wealth and Trust Management family in December 2018. He has over five years of experience in the operations industry. Prior to joining WTM, Josh was a Trust Operations Specialist at United Bank.
Josh is responsible for all aspects of securities and operations including income processing, capital actions, principal pay-downs and transfer of securities.
Josh grew up in Frankfort, KY and currently resides there today. He enjoys spending time with his family and being outdoors.
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Headshot of Abigail Stopper in black suit jacket in park with rocks, water and green trees.
Abigail Stopper
Operations Specialist
859.389.5300

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. She is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities.
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. 
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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