Kristell Havens is a payments risk management professional with extensive experience in anti-money laundering, sanctions, and compliance. Currently, as the Director for the Newline Financial Crimes Compliance team, she provides risk advisory and oversight services for enterprise payments products across the Bank. Throughout her career, she has successfully supported implementation projects for emerging payments services and high-risk third-party integrations. A New York native, Kristell graduated with honors from Utica University with a Master of Science in Cybersecurity and Cyber Intelligence. In her free time, Kristell enjoys sharing adventures with her husband and two daughters.