David Kreltszheim has worked as a lawyer for 20+ years, including at Freehills (Herbert Smith Freehills) (6 years), KPMG Legal (6 years) and Clayton Utz (13 years) and now at Cornwalls. His practice has evolved over the years in lockstep with the emergence of new technologies. He advises a wide range of clients on general banking and finance transactions, workouts and insolvency, receivables financing, e-business (including electronic distribution systems and platforms and joint ventures, including in the Fintech space), payment products and systems, consumer and corporate finance, retail banking, Personal Property Securities Act (PPSA), trade finance and a range of regulatory regimes including APRA, AML/CTF, Financial Products and Services under the Corporations Act, credit, unfair contract terms and other ASIC Act and Australian Consumer Law regulation, privacy and spam. He writes and presents widely on his areas of specialty, including payments, blockchain technologies, privacy and PPSA.