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Operations and Compliance Team

Meet our Operations and Compliance Team:


Sandy Payne Combs, Senior Vice President of Operations and Compliance for Community Trust and Investment Company

Sandy Combs, CFIRSTM, CSOPTM

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 SpecialistTM (CFIRS™) and a Certified Securities Operations ProfessionalTM (CSOPTM).

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, CFIRSTM

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 SpecialistTM (CFIRSTM).

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, CFIRS, CAMS

Vice President
Compliance Officer
859.389.5300

Keren joined CTIC's Wealth and Trust Management family in 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, and she holds designations as a Certified Anti-Money Laundering Specialist (CAMS) and Certified Fiduciary Investment Risk Specialist (CFIRS). She graduated from Midway College in Midway, KY with a business administration degree in accounting.

Keren is a Board Member of Kentucky CancerLink and the Treasurer of Julius Marks Elementary PTA board. 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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Cassity Meave, Operations Specialist for Community Trust Wealth & Trust Management

Cassity Meave

Operations Specialist
859.389.5300

Cassity joined CTIC's Wealth and Trust Management family in 2019. As Operations Specialist, she is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities.

Cassity earned her Bachelor's of Science degree from Eastern Kentucky University in Richmond, KY. Prior to joining WTM, she worked in the hospitality and retail industry. She has over seven years of experience in customer service.

Cassity is originally from Lexington, KY and still resides there today. She is passionate about animals and enjoys spending time outdoors. In her free time, she likes to spend time with her family and friends, go to the movies, and try new restaurants.

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Janae Wilson, Operations Specialist for Community Trust Wealth & Trust Management

Janae Wilson

Compliance Analyst
859.389.5300

Janae joined CTIC's Wealth and Trust Management family in 2019. As Compliance Analyst, she is responsible for performing compliance duties such as testing and monitoring, as well as Bank Secrecy Act functions.

Janae earned her Bachelor's of Business Administration degree from Eastern Kentucky University in Richmond, KY. Prior to joining WTM, she worked as a teller at Community Trust Bank.

Janae was born in Richmond, VA and currently resides in Richmond, KY. In her spare time, she enjoys spending time with her son, cooking, and being outdoors.

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Chelsea Brown, Compliance Analyst for Community Trust and Investment Company

Chelsea Brown

Compliance Analyst
859.389.5300

brownce@ctbi.com

Chelsea joined CTIC's Wealth and Trust Management family in 2018. Prior to joining WTM, Chelsea worked in the retail banking industry and was an office manager at City National Bank. She attended Eastern Kentucky University in Richmond, KY. Chelsea is responsible for conducting compliance testing and BSA/AML monitoring.

Chelsea is originally from Lawrenceburg, KY and currently resides in Lexington, KY. She enjoys spending time with her family and friends, being outdoors, and animals.

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Nicole Lanza, Operations Specialist for Community Trust Wealth & Trust Management

Nicole Lanza

Operations Specialist
859.389.5300

lanzani@ctbi.com

Nicole joined the CTIC family in 2022. As an Operations Specialist, she is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities.

Nicole earned her Bachelor's of University Studies with a focus in Finance and a minor in general business from Morehead State University. Prior to joining CTIC, Nicole was a recruiter with GEODIS and a contact center specialist with Member Heritage Credit Union.

Nicole is originally from Staten Island, NY and currently resides in Lexington, KY. In her free time, she enjoys cooking, hiking and traveling.

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Kathleen (Kat) Wilcox, Operations Specialist for Community Trust Wealth & Trust Management

Kathleen (Kat) Wilcox

Operations Specialist
859.389.5300

wilcoxka@ctbi.com

Kat joined CTIC’s Wealth and Trust Management family in 2023. As an operations specialist, she is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities.

Kat is originally from Lexington, KY and still resides there today. In her free time, she enjoys refinishing and flipping furniture, creating t-shirts and stickers.

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Our Wealth and Trust Management team creates investment plans that are tailored to meet your investment needs.

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