Sandy Panella, CRCM Assistant Vice President, Compliance Consultant 989-640-2701 sandy.panella@ubb.com Sandy joins UBB with almost 20 years of experience in community banking and compliance. Prior to joining UBB she worked at a community bank as their Compliance, BSA, and CRA Officer. Sandy is a graduate of the Robert M. Perry School of Banking at Central Michigan University. She has also earned the professional certification as a Certified Regulatory Compliance Manager (CRCM).