Karen Martino has been a banking professional her entire career serving as the Executive Vice President and Director of Audit, Compliance, and Security for First Savings Bank, a two-billion-dollar financial institution. Ms. Martino reported directly to the audit committee of the board of directors and developed and implemented audit and compliance programs for the bank’s operations and business units. During her tenure she designed and implemented the Bank’s customer identification program, bank secrecy and anti-money laundering programs, created a highly successful risk assessment plan and an operations enhancement program to further minimize risk and evaluate internal controls, and developed and managed the Bank’s Internal Loan Review Program. Ms. Martino graduated from Montclair State University with a Bachelor of Science in Accounting and earned a Certified Internal Auditor certification. She also attended the American Bankers Association (ABA) Compliance School program, resulting in her passing the compliance manager’s examination to become a Certified Regulatory Compliance Manager. Ms. Martino is also past President of the Financial Managers Society New York/New Jersey Chapter, and is a member of the NJ Bankers Compliance and BSA Sub-Committees.