Operations and Compliance Team
Meet our Operations and Compliance Team:
Sandy Ruby, CFIRS®, CTOP®
Senior Vice President
Director of Operations and Compliance
859.389.5300
rubysa@ctbi.com
Sandy serves as Senior Vice President and Director of Operations and Compliance at CTIC’s Wealth and Trust Management, where she ensures the firm operates with the highest standards of integrity and efficiency. With a career at CTIC spanning since 2002, she leverages her deep knowledge to oversee all aspects of operations and compliance.
A dual-certified expert, Sandy holds designations as a Certified Fiduciary and Investment Risk Specialist® (CFIRS®) and a Certified Trust Operations Professional® (CTOP®). Her academic foundation includes studies at California State University, Northridge and the University of Kentucky.
Originally from Los Angeles, Sandy now calls Versailles, KY, home. Outside the office, she is often found tackling new home improvement projects or spending time with her family.
Keren Salehi, CFIRS®, CAMS
Vice President
Compliance Officer
859.389.5300
salehike@ctbi.com
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 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.
Chelsea Brown, AFIM® CFIRS®
Assistant Vice President
Compliance Analyst
859.389.5300
brownce@ctbi.com
Chelsea joined CTIC's Wealth and Trust Management family in 2018. In 2024 she earned her Certified Fiduciary & Investment Risk Specialist (CFIRS®) designation and was promoted to Assistant Vice President in 2025. Chelsea earned her Accredited Fiduciary Investment Manager® in 2025 and is responsible for conducting compliance testing and BSA/AML monitoring.
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 originally from Lawrenceburg, KY and currently resides in Lexington, KY. She enjoys spending time with her family and friends, being outdoors, and animals.
Cassity Meave
Assistant Vice President
Trust Operations Supervisor
859.389.5300
meaveca@ctbi.com
Cassity joined CTIC's Wealth and Trust Management family in 2019, bringing a dedicated client-service focus from her previous experience in the hospitality and retail industry. In 2026, she was promoted to Trust Operations Supervisor. She is responsible for all aspects of securities and operations, including income processing, capital actions, principal pay-downs, and the transfer of securities, ensuring meticulous accuracy for client accounts.
Cassity earned her Bachelor's of Science degree from Eastern Kentucky University in Richmond, KY. Originally from Lexington, KY, she 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.
Janae Wilson
Compliance Analyst
859.389.5300
wilsonjl@ctbi.com
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 studied Business Administration at 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, collecting plants, and being outdoors.
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, reading and traveling.
Matthew Elder
Operations Specialist
859.389.5300
elderma@ctbi.com
Matt joined CTIC’s Wealth and Trust Management family in 2025. As an Operations Specialist, he is responsible for all aspects of securities and operations, including recording all financial activities related to trust accounts, updating reporting logs to maintain an audit trail, and ensuring compliance with regulatory requirements.
Before joining CTIC, Matt worked as a Treasury Management Specialist, where his responsibilities included servicing business accounts and business banking officers, assisting clients with questions, providing technical assistance for internet banking, and initiating wire transfers.
Matt is originally from Louisville, KY, but now resides in Lexington, KY. In his spare time, he enjoys playing golf, being outdoors, and spending time with his friends and family.