Matthew Janiga Email & Phone Number

Stockholm, Stockholm County, Se

Supporting the Trustly Americas business with product legal, regulatory and policy work.

New York, Us

Supported a really great team of execs, lawyers and compliance professionals on a ton of different things in the card issuing, virtual card and fintech API infrastructure space.

Jersey City, New Jersey, Us

Supporting BlueVine's General Counsel, Compliance Officer, product, risk, marketing and other teams on product and regulatory matters for the company's suite of financing and banking products. BlueVine offers a suite of financial services solutions for small businesses, including invoice factoring, term loan, revolving line of credit and DDA bank account solutions. Since its founding in 2013, BlueVine has assisted over 20,000 SMBs in obtaining more than $3 Billion in commercial financing.

South San Francisco, California, Us

Served as primary attorney for Stripe Issuing and Stripe Capital teams on all product, partnership, commercial and general legal matters. Helped Stripe negotiate and close four strategic bank partnership agreements over two quarters that serve as the foundation for the company's Capital, Corporate Card, Issuing and future products. Work included partnering with business leads, engineering leads, product managers, sales staff and product ops. Served as senior team member and compliance officer in efforts to stand up lending and servicing business operations. Partnered with internal financial partnerships, financial crimes, tax and regulatory teams to drive projects for business team.

South San Francisco, California, Us

Supported merchant financing team as it grew from skunkworks project to full fledged business line, including 2019 transformation into full loan product. Assisted team with developing and presenting business line pitch for Stripe executives, securing budget and engineering resources for 2018 calendar year. Counseled team on various pilot and GA options, settling on merchant cash advance structure for alpha launch. Supported team on development of onboarding, marketing and merchant-facing advance agreement. Partnered with Stripe Capital Business Lead and Senior Financial Partnerships team members to drive an RFP and select Celtic Bank as Stripe's term loan product partner. Supported credit sponsorship negotiations with Bank while working cross-functionally to drive development of Stripe's credit compliance program and regulated servicing and collections operations. Continue to support team on product, partnership, servicing, collections and funding matters.

South San Francisco, California, Us

South San Francisco, California, Us

Supported business leads, product managers and engineering team with building and managing Stripe’s multi-party payments products. Work included advising business and engineering teams on (1) payments regulatory requirements for money transmission and stored value products across Stripe’s footprint (including U.S., Europe, Canada, Australia) (2) AML, tax (1099), network rule, sanctions and privacy (TCPA, UDAP) considerations that impact onboarding via API and Connect Express product, (3) supporting team and Stripe customers on API migrations, including the recent deprecation of Stripe’s Transfer Recipients API, (4) advising on marketing, API documentation and external product positioning materials and (5) working with large Stripe Connect users (customers) to optimize their use of the product to minimize end-customer payments licensing, AML, escheat and tax compliance obligations.

South San Francisco, California, Us

Regularly produced presentations and white papers to educate internal business teams on U.S. money transmission, AML and sanctions requirements, including for C-level and company-wide audiences. Counseled executives, senior leaders and staff from product, finance, financial stack (Stripe’s payments business team) and compliance on strategies to meet legal obligations and mitigate payments compliance risks (MTL operational, AML, sanctions). Defended Stripe’s business model to and educated partners on how the company meets compliance needs, including matters that arise under federal bank regulatory third-party standards. Explained and defended Stripe’s operations to state regulators, including positive working relationships with regulators from California, Washington and Pennsylvania. Supported compliance team with AML and sanctions escalations.

San Francisco, Ca, Us

Product Counseling Provided legal analysis and advice to business teams on projects involving federal financial services issues, money transmission requirements, payment network rules and contractual obligations for strategic and material partnerships. Drafted and negotiated commercial agreements related to financial services products. Served as Primary attorney for Square Capital business line, including negotiating material partnership agreement with Square’s first banking partner (Celtic), drafting customer-facing contracts, counseling on advertisements and product onboarding flow, advising on servicing and recovery options and supporting team with investor relations and forward-flow funding transactions. Regulatory and Compliance Advised compliance colleagues on federal and state anti-money laundering requirements, focusing on BSA/AML obligations for money services businesses and general OFAC processes. Managed company responses to state and federal regulatory exams, including (1) drafting, reviewing and approving documentation provided to examiners, (2) liaising with examiners to discuss operational and compliance processes and (3) educating regulators on how Square’s products fit within applicable statutory and regulatory frameworks. Conducted 50-state surveys on regulatory topics including commercial lending, stored value and money transmission. Built company’s unclaimed property compliance function and managed due diligence, notice, escheatment and related operational functions. Advised on financial services privacy requirements, including GLBA and California Financial Information Privacy Act requirements.

San Francisco, California, Us

Researched and advised on federal and state requirements related to privacy and data security, consumer open-end and installment credit (TILA, state RISAs), fair lending (ECOA), electronic transfers and stored value (EFTA, state stored value and escheat laws), money transmission and credit reporting (FCRA). Reviewed client business operations and consumer-facing disclosures for potential unfair, deceptive or abusive acts or practices (UDAAP) violations, including for review of mobile wallet apps and online services agreements. Drafted memoranda providing analysis and rationale to support business operations. Authored comment letters on behalf of payment network, credit card issuer and retail store clients. Commented on, reviewed and drafted documentation for consumer-facing and business-to-business payments agreements. Represented large retailers in negotiating credit card co-brand agreements with issuing banks.

Mclean, Va, Us

Supported Capital One’s corporate treasury trading and investment management desks with transactional and regulatory issues. Managed and negotiated terms for capital market and secured funding transactions, including drafting, reviewing and approving asset purchase agreements, receivable sale agreements, trust indentures, rating agency engagement letters and pooling and servicing agreements. Prepared and managed SEC filings for secured funding programs including forms 10-K and ABS-15G. Tracked, analyzed and presented overviews of proposed rulemaking from the SEC, CFTC and primary bank regulators on capital markets and derivatives issues. Served as legal subject matter expert for Capital One’s SEC Rule 15Ga-1 rep and warranty repurchase reporting work stream, advising lines of business in compliance requirements and required disclosures. Supported derivatives and capital markets Dodd-Frank advocacy activities such as preparing business teams for meetings with regulatory staff, authoring comment letters and interacting with trade groups.

Mclean, Va, Us

Supported Capital One’s corporate treasury trading and investment management desks with transactional and regulatory issues. Managed and negotiated terms for capital market and secured funding transactions, including drafting, reviewing and approving asset purchase agreements, receivable sale agreements, trust indentures, rating agency engagement letters and pooling and servicing agreements. Prepared and managed SEC filings for secured funding programs including forms 10-K and ABS-15G. Tracked, analyzed and presented overviews of proposed rulemaking from the SEC, CFTC and primary bank regulators on capital markets and derivatives issues. Served as legal subject matter expert for Capital One’s SEC Rule 15Ga-1 rep and warranty repurchase reporting work stream, advising lines of business in compliance requirements and required disclosures. Supported derivatives and capital markets Dodd-Frank advocacy activities such as preparing business teams for meetings with regulatory staff, authoring comment letters and interacting with trade groups.

San Francisco, California, Us

Represented global investment banks in connection with LSTA distressed debt trades. Negotiated and drafted purchase and sale agreements, assignment agreements, bilateral and multilateral netting agreements, proceeds letters and purchase price letters. Analyzed credit agreements and amendments relating to U.S. and international credit facilities, with an emphasis on assignment provisions and requirements. Reviewed bankruptcy documentation including reorganization plans, plan support agreements and proofs of claim. Performed due diligence regarding seller representations and predecessor transfer agreements. Worked with counsel and partners to produce credit facility analysis and true sale opinions. Generated overviews on federal grant, tax credit and loan guaranty programs.

Washington, Dc, Us

Supported a member of Congress with work on the U.S. House of Representatives Financial Services Committee as both personal office and subcommittee staff. Provided technical expertise on capital market, consumer finance and financial transaction policy issues. Drafted amendments, bills and resolutions. Analyzed laws, regulations and proposed financial regulatory reform legislation from the White House and Department of Treasury. Prepared and staffed the member for more than 30 hearings on the financial regulatory reform process; providing suggested questions, opening statements and background memoranda; providing technical expertise and policy opinion to the member during witness testimony and questioning periods. Drafted content for editorials and press releases. Authored talking points for public addresses. Met with regulators for confidential briefings and policy discussions. Represented the office in meetings with industry officials. Organized publicly televised forum involving the member and Federal Reserve Chairman Ben S. Bernanke.

Boston, Ma, Us

Assisted international banks with offshore transactions and the unwinding of securities transactions. Advised syndicated lender on business risks associated with various secondary debt market transactions and credit facilities. Drafted documents for securitizations, resecuritizations, stock purchase sales and dissolution plans. Tracked EESA legislation and TARP programs and provided legal analysis for clients.

Jd, Law

B.S., Communication, Applied Economics And Management