Barry Kessler Email & Phone Number

• Counsel on data privacy management, including GDPR, CPRA/CCPA, GLBA, and CFPB Open Banking Rule. Establish legally compliant operating procedures and communication response for consumer and customer data privacy.
• Draft terms and conditions, disclosures, and product marketing disclosures for financial products..

• Negotiated MTA license contract for a branded transit payment wearable and Mastercard brand agreement for marketing support. Established processor/program manager relationships. Constructed financial model for.
• Provided legal advice on product structure and corporate matters for fintech SAAS platform enabling contractor workforce management, including KYC due diligence, 1099 administration, and earned wage access.
• Counseled client on evolving EWA regulatory landscape and product structure. Integrated direct deposit account activation to enable unbanked employees to utilize earned wage access.
• Assisted CEO in developing innovative Health Savings Account benefit recovery tool. Drafted service and sales agreements. Built detailed product distribution and financial projection model.
• Authored critical policy documents for digital lottery courier service to satisfy state licensing compliance requirements, including AML, Business Continuity, Risk Assessment, Information Security, and System Security.

• Oversaw inmate release cards, employee payout cards & other B2B payment solutions, including Reg E disputes, UDAAP violations, KYC/CIP due diligence protocol, AML/BSA transaction review, escheatment, and collateral.
• Drafted and negotiated contracts and administered company’s legal affairs.
• Negotiated new issuing bank, processer, and call center service contracts.
• Managed issuing bank relationships. Prepared applications and advocated for new card programs and program enhancements. Secured banking program approvals. Drafted card program terms and conditions. Administered bank.
• Coordinated efforts of product, implementation, finance, and operations teams.

• Innovated award-winning software application generating over $220 million in recurring monthly deposits from over 290,000 direct deposit enrollments. Recognized by Paybefore™ Magazine as the 2012 ‘Best-of-Class’ Program.
• Secured client contracts with Green Dot, Netspend, and other major accounts.
• Counseled clients in launching prepaid card programs, including requirement gathering, competitive intelligence, bank and processor selection, and contract negotiations.

• Oversaw processing relationship for Green Dot, RushCard, MoneyGram, and other premier reloadable prepaid card program partners.
• Led multi-discipline team overseeing all aspects of prepaid processing and program management from client sourcing to product requirements gathering to contract to implementation to operational management.

• Developed and marketed multi-line retail financial service product suite consisting of early access electronic deposit account, and electronic tax filing service with tax-related bank products provided through a.
• Led business to a successful acquisition.

Bs, Accounting

Bachelor Of Science - Bs

Doctor Of Law - Jd, Law

Jd, Law

Doctor Of Law - Jd, Law

Doctor Of Law - Jd