Andrea Crowe Email & Phone Number

Remote First, Us

Fort Lee, Nj, Us

Serving as key advisor and lead counsel on Marketplace Lending and Fintech payment partner transactions. Drafting and negotiating payments, BaaS and MPL agreements. Providing expert legal counsel and guidance on regulatory compliance including issues surrounding BSA/AML compliance, consumer banking and regulations, including Regulations Z, DD, E, UDAAP, and GLBA. • Working with legal and non-legal teams to streamline the efficiencies of contracting and legal advisory processes to create faster and more cost effective business solutions for my clients while maintaining the highest standards of compliance. Providing advice on claim liability, prosecuting/defending lawsuits, and legal rights and obligations. Overseeing all outside counsel activities to maintain cost efficiencies. Providing expert leadership skills managing a team consisting of legal and non-legal professionals and driving a culture of excellence and ethics through personal example.

Designated as Senior Vice President and Managing Counsel of the Consumer Legal team covering Consumer and Small Business Lending, Deposits, Digital & Online Banking, Business Banking, Credit Cards, Payment Solutions, Marketing, and Private Banking. Provide legal guidance on all regulatory compliance issues and initiatives throughout the Bank’s footprint and delivery channels, including: development of new products, review of disclosures, marketing materials, and other standard marketing/product related materials. Draft, review and negotiate loan documentation, and advise executive and senior level management to ensure compliance with all applicable federal and state consumer protection laws, rules, and regulations relevant to a full service national financial institution. Focus on retail banking, business banking, small business lending, online/mobile banking, AML/BSA, credit/debit cards, and payment solutions. Act as lead counsel and creative legal advisor, developing key concepts, including: Citizens Access, a division of Citizens Bank: a new online-only digital banking platform. Citizens VantageLink: a small business digital loan platform, built in partnership with Fundation, a leading online lending Fintech, which allows small business customers to apply online for loans, lines of credit and commercial credit cards. Appointed as Consumer Legal member of Citizens’ AMLOC to maintain best practices. Assist and advise with respect to submission of regulatory filings and prudential examinations. Provide advice concerning business transactions, claim liability, prosecuting/defending lawsuits, and legal rights/obligations. Review and draft internal policies/procedures and consumer contracts and agreements. Work closely with other in-house attorneys, line of business colleagues, compliance, risk, and regulatory specialists to help bridge any gaps between desired business objectives and required regulatory compliance.

Bentonville, Arkansas, Us

Supported the Financial Services and Products Regulatory Compliance teams at Walmart, Sam’s Club, and walmart.com. Provided legal advice and support on Federal, State, and local regulatory compliance. Negotiated, drafted, and reviewed SOWs, NDAs, licensing agreements, and vendor/supplier management agreements with respect to financial products/services. Advised business on regulatory landscape concerning financial institutions/money service businesses, banking laws, marketing/advertising restrictions, data protection, and privacy. Assessed and addresses matters concerning other consumer protection laws pertaining to new/existing products, including: in-store/mobile/e-commerce initiatives, open & closed looped debit & e-gift cards, installment sales contracts, check cashing, third party bill payment, and money transmissions.

New York, Us

Advised/counseled investment banks and other global corporate clients in diverse and complex commercial transactions, including: leveraged loans, M&A, and other financing transactions, specializing in investment grade facilities. Gained extensive experience negotiating, drafting, and reviewing a wide range of commercial transactional agreements, including: syndicated/bilateral acquisition,commercial paper-backed financing agreements, asset based & cash flow credit agreements, M&A agreements, letters of credit facilities, participation agreements, IP licensing agreements, NDA’s, vendor agreements, collateral documentation, and non-investment grade loan facilities. Supported clients with asset/stock purchase agreements and general corporate documentation, as well as licensing agreements. Represented large investment banks, global corporations, and pro bono clients.

New York, Ny, Us

Represented clients in syndicated/bilateral loan facilities, M&A, and financial transactions. Drafted, negotiated, and reviewed credit agreements, asset / stock purchase agreements, technology contracts, and intellectual property licensing agreements. Worked directly with large investment banks, global corporations, and pro bono clients.

Juris Doctor (J.D.) With Honors

Bachelor Of Science, Business Management