I provide regulatory, transactional, and strategic product advisement to early-stage fintech startups who provide card issuing, payment processing, domestic and international payment method integration and aggregation, machine learning, data aggregation, digital wallets, digital currency, and blockchain technology products and services. My clients have included Stripe, Brex, Mercury, Ramp, Deel, Brigit, Toast, Lithic, Loop, Middesk, Mysten Labs, Worldcoin, Intuit, Block, and numerous Y Combinator alums. Collectively, my clients have raised billions in venture capital funding. Prior to law school, I channeled my passion for technology into a career in product management for several startups in the enterprise software industry in Silicon Valley. I combine my technology experience with a deep understanding of state, federal and global financial services regulatory regimes across a broad spectrum – bank service provider compliance, money transmission, stored value, prepaid access, unclaimed property, consumer credit, fair lending, privacy and data security, payment processing, international remittances, payment network rules, anti-money laundering, anti-terrorist financing, and consumer protection. I apply my knowledge to assist clients with product counseling, contract drafting and negotiations, terms of service, regulatory analysis, compliance policy development, corporate transactions, and “outside general counsel” assistance. I regularly negotiate complex service agreements with start-up friendly banks and service providers in the US and abroad. Before co-founding Runway Group, l was a partner at Ketsal PLLC. Prior to Ketsal, I was founder and partner at Ouroboros LLP, a legal and consulting boutique in the fintech and blockchain space based in Washington, DC. Prior to Ouroboros, I advised some of the world’s largest financial institutions, prepaid, credit and debit card issuers and program managers, payment processors, money transmitters, consumer and commercial lenders, e-commerce platforms, digital wallet providers, customer loyalty platforms, and Fortune 100 technology companies at Davis Wright Tremaine LLP, and Buckley Sandler, a leading financial services boutique (now Orrick).