Cabinet photograph of a young woman identified on reverse as G. Regan. The photograph was taken by the Wendover studio of Albany, New York.
Notice the unusual decoration at her throat - a bar pin of coins perhaps?
Researching online has proved fruitless so far. I'm hoping that a reader will recognize this young woman from family albums or research and leave an answer solving the mystery in the comments box at the bottom of this page - or contact me directly.
Thanks for stopping by!