Working on international payment and bank regulatory matters with product, compliance, and risk management teams located in Europe and the US.

Cross-Functional Support: Worked with product, compliance, marketing, customer service, and software engineering teams located in the US, AIPAC and Europe. Reviewed APIs and UIs for legal compliance with respect to applicable banking and payment service laws. Contracts: Prepared and negotiated sophisticated international payment services agreements, bank partner agreements, client and vendor contracts, data protection agreements, and API technology agreements.Regulatory: Assisted with regulatory compliance in Australia, Canada, EU, Singapore, UK, United States.Privacy: Assisted with preparation of CCPA privacy notices and UK/EU GDPR compliant data protection agreements. Virtual Currency: Assisted in legal scoping of potential international payment flows that utilize USD stable coins to expedite the settlement of payments.

Virtual Currency: General Counsel to a US non-custodial virtual currency software wallet company. Cross-Functional Support: Worked cross-functionally with product, marketing, customer service, software engineering and finance personnel located in the US, AIPAC and Europe. Securities: Worked with outside legal counsel in successful completion of Regulation A+, Tier 2, public offering of common stock.

Co-Founded a boutique law firm that specialized in providing legal services to tech startups, banks, money transmitters, and businesses. Startup Law: Assisted founders of software companies and small businesses in the formation and growth of their companies. Mergers & Acquisitions: Lead seller's M&A counsel for the sale of a software company and several US community banks. Contracts: Advised in the negotiation and preparation of business contracts, API technology agreements, vendor contracts, loan and lease agreements, employment agreements, and consulting agreements.Bank and MSB Regulatory: Advised money transmitters and banks on new activities. Advised banks in troubled condition and their D&Os with respect to the resolution of enforcement actions and the proposed assessment of civil money penalties by regulatory agencies. Virtual Currency: Advised virtual currency and blockchain businesses in the preparation and negotiation of complex API technology agreements with respect to virtual currency software development, crypto asset exchange services, securities token services, and alternative trading system (ATS) services.AML/CFT Compliance: Advised companies in complying with AML/CFT regulations and OFAC sanctions requirements. Prepared AML/CFT compliance policies for fintech startups. Corporate Governance: Advised directors and officers of corporations, banks and 501(c)(3) non-profit corporations about their fiduciary duties. Prepared certificates of incorporation, bylaws, board and stockholder resolutions, and other corporate governance documents. Securities Law: Prepared Private Placement Memoranda, Subscription Agreements, Simple Agreements for Future Equity, Convertible Notes, and Restricted Stock Agreements for the issuance of restricted securities. Advised clients on the restrictions on the resale of securities under SEC Rule 144 and Section 4(a)(7) of the Securities Act.

Bank Products: Assisted banks in developing and integrating non-deposit investment products (such as securities and insurance) into their product lines. Worked with federal and state bank regulators to receive their consent to new non-deposit product activities. Bank Charters: Assisted in the formation and receipt of required regulatory approvals for a new federal savings bank and a new national bank, from start to finish. Contracts: Advised in the negotiation and preparation of business contracts, vendor contracts, loan and lease agreements, employment agreements, and consulting agreements.Mergers & Acquisitions: M&A counsel for the sale of several US banks and non-bank affiliates. AML/CFT Compliance: Prepared enterprise-wide AML/CFT policies for bank holding companies and a US money services business. Privacy: Prepared GLBA privacy notices for banks. Corporate Governance: Advised directors and officers of corporations and banks about their fiduciary duties. Prepared certificates of incorporation, bylaws, board and stockholder resolutions, and other corporate governance documents. Securities Law: Prepared Private Placement Memoranda for the issuance of restricted securities.Structured Finance: Assisted in the issuance of over $1 billion in mortgage backed securities.