Terri A. Klemann is a consultant with Young & Associates. She has been in banking for more than 24 years and has worked exclusively with community banks of all sizes.

Terri specializes in Bank Secrecy Act compliance, front-line operations, privacy, deposit compliance, identity theft, security and robbery, and customer service issues, and has a broad knowledge base of other compliance-related issues. Terri frequently presents in-bank BSA employee and board member training. She also leads BSA seminars for directors and board members, BSA officers, managers, customer service representatives, and tellers. She has presented seminars for various trade associations with topics including developing and auditing Bank Secrecy Act/Anti-Money Laundering (BSA/AML) programs, BSA/AML for new and experienced frontline employees, identity theft, and security and robbery, as well as addressing new rules and trends.

At Young & Associates, Terri performs BSA and deposit regulation compliance reviews, authors compliance articles for the monthly Compliance Update newsletter, and assists client banks with policy development.