● Counsel to a lender entering credit card lending for the first time and continue with Buy Now, Pay Later product, with all customer facing documentation, consultant to design team to modify internally created account management system to handle taking of applications, disclosures, monthly statements and account maintenance communications in compliance with various laws regulations including TILA, FCRA, AML, GLBA, BSA ECOA, and Regulations Z, E, B, V, W, Fair Lending and Privacy Laws. Review and approve scoring systems and credit policies.● Draft consumer credit card account agreements and disclosures, including approval of all marketing materials, scripts, telemarketing, and customer facing communications.for lenders new to this arena● Draft and negotiate contracts with 3rd parties, ESign agreements, Non-Disclosure agreements, vendor agreements, bank financing agreements. Referral agreements, User and Merchant agreements● Consultant to design team to modify internally created account management system to handle taking of applications, disclosures, monthly statements and account maintenance communications in compliance with various laws regulations including TILA, FCRA, AML, GLBA, BSA ECOA, and Regulations Z, E, B, H, W, Fair Lending and Privacy Laws.● Monitor existing and proposed regulation in the credit card and buy now pay later fields.

Head of Legal in the US providing daily advice on all corporate matters; advice on law relating to credit card lending, manage legal and compliance departments, review and approve all customer facing documentation, render advice on various issues to senior management team, contract drafting of vendor and 3rd party contracts.

Chief legal counsel for the debit and credit card business at Santander Bank based in Boston, Massachusetts

Financial Services attorney in charge of credit and payment processes, systems and products, bill payment, check cashing, prepaid cards, credit cards, gift cards and commercial lending

Legal counsel for the financial services business, including credit cards, debit cards, interchange, prepaid cards, check cashing, bill payment, money transmission and merchant/association relationships. Responsible for product design, contracts, litigation in those arenas, operations and customer facing disclosures and issues.