Thomas Bell Email & Phone Number

San Francisco, California, US

Lead global team of legal and compliance professionals in supporting Company's domestic and international payments businessServe as Upwork Inc.'s Compliance Officer and Anti-Money Laundering & Sanctions Compliance Officer of Upwork Payments Inc., an Upwork corporate subsidiary

New York, New York, US

Provide legal and compliance support for Level's payments activities. Areas of coverage include payment card network, bank partnership, UDAP, NACHA, financial laws and regulations including Reg E, marketing and other communications, BSA-AML and OFAC matters.

Provide advice on payments and financial services matters across the Square enterprise, including the Company's lending, payment processing, money services/money transmitter business activities.Analyze and provide guidance on matters implicating the following: Electronic Fund Transfer Act/Reg E, Fair Credit Reporting Act (FCRA), money transmitter laws.

• Chiefly responsible for maintaining money transmitter licenses in good standing with state and federal territory financial regulators. (Company subsidiaries American Express Travel Related Services Company, Inc. and.
• Manage four professionals in addressing all money transmitter license regulatory reporting requirements, over 400 regulatory submissions annually.
• Engage regulators in remediation efforts on issues involving safety and soundness, unclaimed property, regulatory reporting and consumer disclosure.
• Track legislative and regulatory developments, interacting with American Express Government Affairs Office and industry participants to formulate and implement Company strategies.
• Member of General Counsel’s Office Pro Bono Committee.

• Led process of securing money transmitter licenses from all applicable state and federal territory financial regulators necessary to enable American Express Prepaid Card Management Corporation to engage in nationwide.
• Led remediation effort to amend retail sales contracts to comply with all state statutory requirements, to include advising the business in contract amendment negotiations.

• Performed risk-based compliance review of broker-dealer’s investment advisor customers.
• Conducted investigations and wrote reports on instances of suspected money laundering and fraud for Patriot Act Suspicious Activity Reporting program.

• Established and managed restrictions on investment research and trading arising from investment banking division’s M&A and financing engagements.
• Reviewed investment research and trade requests to ensure compliance with securities law and company policy.

New York, New York, US

• Reviewed case management of alleged violations of company’s ethical policy, to ensure that allegations were duly investigated and violators were disciplined appropriately; prepared case summaries for senior management.

US

• Prosecuted violations of National Labor Relations Act at trial, including employee coercion, discrimination and bargaining obligation violations.
• Served as hearing officer in disputes regarding employee elections for union representation.
• Wrote trial briefs, appellate briefs, decisions regarding employee elections for union representation and internal legal memoranda.
• Investigated alleged violations: took witness statements, assessed evidence, analyzed claims and made recommendations on case dispositions to senior leadership.
• Brokered settlement agreements between employers and unions.

San Francisco, California, US

• Civil litigation practice with emphasis on defending legal malpractice claims; represented clients in hearings, mediation and arbitration proceedings.

US

• Drafted and edited sections of firm’s treatise on legal ethics for submission to Cornell University Law School’s American Legal Ethics Library.

Juris Doctor

Bachelor Of Arts, Journalism