K&L GATES U.S. FINTECH LEGAL OVERVIEW
K&L GATES U.S. FINTECH LEGAL OVERVIEW Robert P. Zinn Jennifer L. Crowder Partner Partner Mr. Zinn serves as co-leader of the Ms. Crowder’s practice is focused fjrm’s FinTech practice, serves as on FinTech, electronic and emerging fjrm-wide practice area leader of the payments, fjnancial services, and Corporate and Transactional prac- regulatory compliance. She advises tice, and is a member of the Man- clients on the structuring of fjnan- agement Committee. He launched cial services, technology solutions, the fjrm’s offjcial FinTech practice in early 2014 and has and payment products to comply with applicable state and been involved with iterations of the FinTech industry for federal regulations. several years. Mr. Zinn has led engagements for nearly She has particular experience negotiating and drafting three decades, on hundreds of transactions, from very small complex technology agreements, commercial agreements, “seed money” fjnancings to multi-billion dollar mergers cross-marketing agreements, development and procure- and acquisitions. Mr. Zinn’s client relationships range from ment arrangements, and other technology and software start-ups to some of the world’s largest corporations, with an related agreements. She also advises clients on compliance emphasis on substantial middle market businesses. with regulations, laws, opinions, and guidance governing Mr. Zinn is a frequent author on a variety of topics including fjnancial services, payments, payment technology, PCI DSS, FinTech and other issues impacting global corporations and data security, and privacy. startups alike. Judith Rinearson Linda C. Odom Partner Partner Ms. Rinearson is a noted expert in Ms. Odom is a noted expert in prepaid and emerging payments prepaid and emerging payments systems. She brings more than 25 systems. She concentrates her years of experience in the fjnancial practice on representing technology services industry, including 18 years companies and technology users at American Express’s General in licensing, software development, Counsel’s Offjce. data processing outsourcing, intellectual property and e-commerce matters and related litigation. Her practice focuses on developing areas such as prepaid and emerging payment systems, electronic payments, On the corporate side of her practice, she focuses on tech- crypto/virtual currencies, reward programs, Automated nology agreements and compliance issues in the banking Clearing House and check processing. She also has experi- and payments industries. Since negotiating the technology ence on the compliance side of the practice, working with agreements for the world’s second Internet only bank in clients on state and federal consumer protection laws, anti- 1996, she regularly handles technology, service and cus- money laundering laws, state money transmitter licensing tomer agreements on behalf of a number of fjnancial institu- laws and abandoned property laws. tions and advises them on related regulatory issues. Ms. Rinearson serves on the Advisory Board of the UK’s Ms. Odom has handled a myriad of complex national and Emerging Payments Association (EPA). global agreements for payments companies, banks, retail- ers, program managers and processors, including the representation of the program manager in one of the largest GPR card programs in the country.
K&L GATES U.S. FINTECH LEGAL OVERVIEW John ReVeal T. Richard Giovannelli Partner Partner Mr. ReVeal concentrates his practice Mr. Giovannelli serves as fjrm-wide on bank regulation, consumer fjnan- practice area leader for the corpo- cial compliance, and Bank Secrecy rate and transactional practice and Act and anti-money laundering is a member of the fjrm’s Manage- matters. ment Committee and Diversity Com- mittee. He also heads the fjrm-wide Mr. ReVeal advises banking institu- private equity group. tions and other fjnancial services providers on consumer compliance law and regulation. In addition, he advises bank He maintains an extremely active practice advising private and non-bank lenders on state interest and usury matters equity funds, businesses, management teams and lenders and assists clients in identifying lender licensing require- on complex transactions and governance matters. He regu- ments and obtaining the necessary licenses. Mr. ReVeal also larly works with strategic investing groups at leading national assists fjnancial institutions in the review and development banks in structuring, executing, managing, and disposing of of Bank Secrecy Act and Anti-Money Laundering programs, strategic equity investments, both as single investors and as and advises fjnancial institutions regarding bank and thrift part of bank consortiums, in FinTech and other businesses. powers, federal preemption, and exportation of interest rates He frequently speaks at conferences on cutting-edge trans- and charges. His experience includes development and actional law topics. implementation of enterprise-wide compliance management programs; enterprise-wide BSA/AML compliance programs; annual compliance and BSA/AML risk assessments; prepa- ration for compliance examinations; and the development and review of policies and procedures with respect to con- sumer deposit, prepaid card programs, mortgage lending, credit card lending, retail lending, and other consumer lending.
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