Michael Day Email & Phone Number

Positions Held• Principal Legal Counsel, Regulatory June 2015 – present• Principal Legal Counsel March 2015 - June 2015 • Senior Legal Counsel: Dec 2009 – March 2015 Functional Contributions: • Advise business unit on all aspects of product design for payment network products (implementation, marketing, customer service, compliance/regulatory)• Support business unit in lobbying efforts with Congress and federal and state regulatory agencies• Negotiate a wide range of commercial contracts• Engender trust; foster culture of compliance.

Positions Held: Washington Mutual Bank • First Vice President & Assistant General Counsel: Feb 2007 – Jan 2009 • First Vice President & Senior Counsel: Jan – Feb 2007 • First Vice President & Counsel: Oct 2005 – Dec 2006 Providian Financial Corp. (acquired Oct. 1, 2005) • Vice President & Deputy General Counsel: Jul 2003 – Sep 2005 • Senior Counsel: May 2000 – Jul 2003 Functional Contributions: • Support business in commenting on and responding to changes in applicable law and regulation• Advise on all aspects of new product and program development • Support corporate vendor management group in negotiating and drafting contracts• Collaborate in simplifying and strengthening internal processes and controls to increase efficiency and reduce risk • Advise on business initiatives and customer communications • Support corporate vendor management group in negotiating and drafting contracts• Engender trust; foster culture of compliance.

• Advised clients on various aspects of credit card, mortgage lending, and debt collection programs• Researched and analyzed bank regulatory issues

• Advised clients on all aspects of multi-state credit card and mortgage lending programs• Drafted legal opinions on a wide range of consumer issues• Served as principal editor of firm’s Residential Mortgage Lending Digest

• Drafted documents for wide variety of commercial lending transactions• Conducted document reviews and assisted in trial preparation for product liability suits

Doctor Of Law (Jd)

Mba, Finance & Marketing

Ba, Economics