shaping the future of cannabis
banking and finance

Terry Mendez has been the CEO of Safe Harbor Financial since February 2025. He has extensive experience in strategic planning and operational transformation within the information technology and cannabis industries. In his role as founder of Amos Advisory Solutions, Mr. Mendez served as the CEO of both single-state and multi-state cannabis operators successfully leading turnaround efforts. Terry began his career in public accounting with Arthur Andersen and Deloitte & Touche. Previously, he served as the vice president of Finance and global chief accounting officer for Hitachi Vantara, a subsidiary of Hitachi, overseeing 52 countries.

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Mike Regan leads Safe Harbor’s capital strategy and corporate development initiatives. He holds an MBA from MIT Sloan and a finance degree from Georgetown University, with earlier roles in research at Credit Suisse, Deutsche Bank, and hedge funds Roubaix Capital and Hawkshaw Capital. Since 2019, Mike has specialized in the legal cannabis sector, founding Excelsior Equities, an investment bank serving cannabis equities. At Safe Harbor, Mike drives capital planning and develops innovative financial products tailored to the needs of cannabis operators.

Jeffrey Kay is a marketing leader with extensive experience spanning cannabis and financial services. He has served as Chief Marketing Officer for multiple multi-state cannabis operators, overseeing brand development, product strategy, and growth initiatives across retail, wholesale, and cultivation operations. Earlier in his career, Jeffrey founded and led his own marketing agency, where he built and executed strategies for clients across finance, consumer products, and cannabis. He also held senior roles at agencies including The Marketing Arm (Omnicom) and DDB Needham. In addition to his operating experience, Jeffrey has served on numerous boards in both the cannabis industry and public financial services, contributing to strategic planning, governance, and growth initiatives. At Safe Harbor, he leads marketing strategy and execution, guiding brand evolution, lead generation, and partner initiatives to support national growth

Douglas Beck is a certified public accountant with extensive experience leading financial operations and transformations across multiple industries. He joined Safe Harbor in 2025 as Senior Vice President and Controller, overseeing accounting, financial planning, and compliance. Doug’s career includes serving as Chief Financial Officer, where he guided companies through capital raising, mergers and acquisitions, SEC compliance, and strategic planning. He holds a Bachelor of Science in Accounting from Fairleigh Dickinson University and is a New York CPA. Doug is also a member of the New York State Society of CPAs, serving on its SEC and CFO committees.

Frank A. Salluce is Managing Director at Safe Harbor, where he co-leads the company’s financial consulting practice, advising clients on complex audit, risk, and compliance matters. He brings more than 30 years of experience delivering advisory, audit, and consulting services, with deep expertise in cannabis banking compliance, cybersecurity, and regulated-industry risk management. Prior to joining Safe Harbor, Frank was the Co-Founder and Chief Executive Officer of 420 IT Solutions, where he built one of the leading cannabis-focused compliance and advisory firms serving financial institutions and cannabis operators across the U.S. and internationally. Earlier in his career, Frank held senior leadership roles at PwC, BDO, Friedman LLP, and Sunera, and is widely recognized for translating complex regulatory requirements into practical, business-ready strategies that enable growth while protecting clients.

David Smokler is Managing Director at Safe Harbor Financial, where he leads the company’s financial consulting practice and is responsible for leading the business development function. With more than 30 years of audit, advisory, and risk management experience, he brings deep expertise in cannabis banking compliance, governance, and IT risk. He leverages his expertise and proven strengths to drive aggressive growth and strategic relationship building within the highly regulated cannabis sector.

​David is a seasoned operator and advisor renowned for directing business development strategy, forging strategic partnerships, driving client acquisition, and cultivating long-term relationships that deliver practical business outcomes amid complex regulatory landscapes. His ability to connect with stakeholders—from startups to multi-state operators—has been instrumental in expanding access to compliant financial services in the cannabis industry, demonstrating exceptional leadership in navigating and growing the business in this specialized banking space.

​Prior to joining Safe Harbor, David was the Co-Founder and Chief Operating Officer of 420 IT Solutions, a professional services firm specializing in cannabis banking compliance, financial advisory, and cybersecurity, where he played a key role in business growth and client relationship management. Earlier in his career, he held senior management roles at EY, BDO, Sunera, and Wiss Business Solutions, leading enterprise risk, IT audit, cybersecurity, and compliance engagements, where he also ran the business development function.

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Amanda McComb has been part of Safe Harbor since the launch of its cannabis banking program in 2015, bringing unmatched expertise in BSA/AML compliance and client service. She began as the program’s first banker and later became Compliance Manager and Assistant Vice President of Safe Harbor Private Banking. Since 2019, Amanda has focused on national expansion efforts and now serves as Senior Vice President of Services, overseeing onboarding and client support across Safe Harbor’s footprint. She holds certifications from the Credit Union National Association and ACAMS, reflecting her depth in anti-money laundering and regulatory compliance.

John Foley brings more than 20 years of experience in commercial lending and 14 years in commercial insurance, with a specialized focus on cannabis banking. Before joining Safe Harbor, he co-founded Abaca, where he managed compliance and banking relationships for cannabis operators. John also served as President of Central Bank in Little Rock and held lending positions at Metropolitan Bank and Bank of America. At Safe Harbor, John leads commercial lending and develops financing solutions tailored to the growth needs of cannabis operators.

Kimberly Seefried serves as Vice President of Financial Institutions at Safe Harbor, bringing more than 20 years of credit union experience and deep knowledge of cannabis banking operations. One of the company’s earliest team members, she helped launch Safe Harbor Services in 2017 and onboarded more than 100 accounts across three states in the program’s first year. Today, Kimberly manages relationships with new and existing financial institution partners and oversees a team of experienced onboarders who specialize in cannabis compliance and account setup. She became CAMS certified in 2020, reflecting her commitment to maintaining the highest standards of compliance and partner support.

Margaret Williams is a compliance executive with over 30 years of experience in BSA/AML and regulatory strategy. She leads Safe Harbor’s enterprise-wide compliance programs, overseeing audits, regulatory reporting, and risk mitigation efforts. Margaret’s career includes leadership roles at multiple financial institutions, where she directed compliance operations and implemented monitoring systems for high-risk customer portfolios. She holds a B.S.B.A. in Management from Rockhurst College and multiple certifications, including CUCE and BSACS. Her experience ensures Safe Harbor maintains the highest standards of regulatory integrity and operational accountability.

Jeremy Robinson is an IT professional with more than 20 years of experience specializing in system security and infrastructure optimization. He holds a BBA in Management Information Systems from the University of Arkansas at Little Rock and has successfully migrated organizations to cloud environments, strengthened security for medical and legal firms, and improved overall operational efficiency. At Safe Harbor, Jeremy oversees technology infrastructure, ensuring systems remain secure and scalable to

support the company’s growth. Outside of work, he enjoys family time, sports, sci-fi, gaming, and outdoor activities such as swimming and fishing.

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Brigette Loyd serves as Assistant Vice President of Services, focusing on operational excellence and client experience. With more than eight years at Safe Harbor, she is known for her hands-on leadership and deep understanding of cannabis banking operations. Brigette works closely with clients and internal teams to streamline processes, build trust, and ensure consistent, high-quality service as the company scales in a complex regulatory environment.

Joshua Shannon is an experienced software architect specializing in scalable and secure application design. Skilled in both front-end and back-end technologies, he creates systems built for performance, reliability, and seamless cross-platform integration. Joshua is committed to designing architectures that support evolving innovation while meeting the complex demands of regulated industries. At Safe Harbor, he leads technology development, building fintech solutions that power cannabis banking and financial services.

Cassandra Douglass is Client Experience and Development Lead at Safe Harbor, where she supports client onboarding, relationship development, and the delivery of compliant cannabis banking solutions. She has spent the past decade specializing in cannabis banking, beginning her career with one of the first financial institutions in Colorado to develop a regulated cannabis banking program and later supporting multi-state cannabis banking operations. Prior to joining Safe Harbor, Cassandra served as Vice President and Regional Manager at Herring Bank, where she worked directly with cannabis banking clients and led regional program operations. Throughout her career, she has managed onboarding teams, reviewed documentation for new banking relationships, and ensured alignment with evolving state and federal regulatory requirements. Her experience spans compliance, operations, product development, fraud prevention, and risk, with deep expertise in state-specific licensing frameworks.

Ashley Allen is a cannabis finance and compliance executive with over a decade of experience working across cannabis operations, high-risk banking, and regulated financial services. She brings a hands-on, operator-informed perspective shaped by time spent in cannabis operations as well as leadership roles supporting businesses navigating complex regulatory and banking environments. Her background includes executive and compliance leadership roles where she worked closely with cannabis operators and financial institutions on regulatory strategy, marijuana taxation considerations, and sustainable financial structuring. Ashley has spent much of her career helping bridge the gap between how cannabis businesses actually operate and what financial institutions require to support them compliantly. At Safe Harbor Financial Services, Ashley now focuses on strategic partnerships—connecting operators, financial institutions, and service providers to practical, compliant solutions that support long-term growth in the cannabis industry.