Education
- William & Mary Law School, J.D.
- Florida State University, B.S., magna cum laude
Bar Admissions
- Georgia
- Florida
Court Admissions
- U.S. District Court, Northern District of Georgia
- U.S. District Court, Middle District of Georgia
- U.S. District Court, Southern District of Georgia
- U.S. District Court, Northern District of Florida
- U.S. District Court, Middle District of Florida
- U.S. District Court, Southern District of Florida
- U.S. Court of Appeals, Eleventh Circuit
- Panelist, “Navigating Third-Party Agreements in the ACH Network,” PaymentsIQ Live!: Third-Party Opportunities in the ACH Network, November 2025.
- Presenter, “Due Diligence and Monitoring Bank-Fintech/Third-Party Partnerships,” Smarter Faster Payments 2025, April 2025.
- Speaker, “Understanding the CFPB’s Larger Participant Rule,” UMACHA’s upcoming Managing Third-Party & Fintech Relationships Virtual Symposium, March 19, 2025.
- Presenter, “An Overview of the Corporate Transparency Act and Beneficial Ownership Reporting,” INFiN Alliance 2024 MoneyTrends Conference, October 28-30, 2024.
- Presenter, “Electronic Transfer, Payment Processing, and Deposit Account Update,” PLI Consumer Financial Services Institute, September 2024.
- Panelist, “Are Your AML, ID Verification, and KYC Procedures Up to Date?,” Online Lenders Alliance Compliance U, July 16, 2024.
- Panelist, “Litigators Serving the Profession, Practice and Public” | “Emerging Trends in Fintech and Payments Litigation,” Atlanta Bar Association, May 10, 2024.
- Panelist, “The Corporate Transparency Act: What You Need to Know,” Accounts Recovery, April 16, 2024.
- Speaker, “Exploring Federal Banking Regulators Guidance on Third-Party Risk Management,” Smarter Faster Payments 2024 Conference, May 9, 2024.
- Speaker, “Managing Third-Party & Fintech Relationships Symposium,” UMACHA, March 21, 2024.
- Speaker, “Check and Wire Fraud – Who Bears the Risk?,” NAFCU Webinar, October 31, 2023.
- Speaker, “BSA/AML Risks & Monitoring for App Based Money Transfer Businesses (Cash App, Venmo, Google Pay, Meta Pay),” The Experience: BSA/Payments/Financial Crimes 2023 Conference, October 4, 2023.
- Speaker, “State Money Transmission Update,” TPPPA 2023 Solving the Payments Puzzle Conference, September 13, 2023.
- Speaker, “Know Your Customer – What Verification and Fraud Control Strategies Should Lenders Consider Effective in Today’s Economy?,” Online Lenders Alliance Compliance University, July 19, 2023.
- Presenter, “Bank and Fintech Partnerships” UMACHA Virtual Fintech and Third-Party Symposium, June 29, 2023.
- Co-speaker, “Regulatory & Compliance Update,” NC Bankers Association 2023 Bank Directors Assembly, April 3, 2023.
- Speaker, “Hot Tips for Mitigating Fraud and Avoiding Loss, ePayConnect Conference,” March 13, 2023.
- Speaker, “Money Transmission Update,” TPPPA Conference, November 16-18, 2022.
- Speaker, “Payments 101,” Troutman Pepper, November 7, 2022.
- Speaker, “Washington Update,” Georgia Banker’s Association Compliance Conference, October 19, 2022.
- Speaker, “Overdrafts, ACH, and Disputes,” League of Southeastern Credit Unions Council Conference, June 14, 2022.
- Speaker, “COPPA’s Next Act: Everyone is Eager to Protect Children’s Privacy,” Troutman Pepper, July 28, 2021.
- Presenter, “Pay Me Now! A Deep Dive Into the Present and Future of Earned Wage Access Products,” Troutman Pepper, April 20, 2021.
- Co-host, Payments Pros Podcast.
- Co-author, “Credit Unions Advocate for Digital Asset Custody in Light of GENIUS Act,” Consumer Financial Services Law Monitor, July 23, 2025.
- Podcast, “From Banks to FinTech: The Evolution of Small Business Lending,” The Consumer Finance Podcast, July 10, 2025.
- Co-author, “Earned Wage Access: An Overview of Federal and State Regulation and Enforcement,” CPI TechREG Chronicle, May 2025.
- Co-author, “OCC Patriot Bank Order Spotlights AML Issues For Managers,” Law360, April 11, 2025.
- Co-author, “OCC Conditionally Approves Fintech Business Model for SmartBiz Bank, N.A.,” Financial Services Blog, March 19, 2025.
- Co-author, “Where the F(BO) Is the Money? Part 1 – Synapse’s Clarion Call for Standards,” Troutman Pepper Financial Services, September 10, 2024.
- Co-author, “CFPB Proposal Would Set Up Federal Exams for Nonbank Consumer Digital Payment Players,” The Financial Brand, July 18, 2024.
- Co-author, “Banks Should Continue to Prep for CFPB Data Rule Rollout,” Law360, March 14, 2024.
- Co-author, “Troutman Pepper’s 2023 Payments Year in Review,” Troutman Pepper, January 25, 2024.
- Co-author, “Applications for Georgia Merchant Acquirer Limited Purpose Bank Charter: A Positive Sign for Fintech and Nonbank Direct Access to Card Networks,” Troutman Pepper, January 16, 2024.
- Co-author, “Federal Reserve Board Rejects Application by SPDI That Is Not Federally Regulated,” Troutman Pepper, January 31, 2023.
- Co-author, “Merchants Are Now Consumers? FTC Settles Action Against Payment Processor After Alleging Its Merchants Are “Consumers”,” Troutman Pepper, August 17, 2022.
- Co-author, “Bipartisan Responsible Innovation Act Limits Howey Test; Suggests Non-Depository Institutions May Issue Payment Stablecoins,” Troutman Pepper, July 6, 2022.
- Co-author, “Not Your Keys, Not Your Coin: SEC Tells Crypto-Custody Providers to Report Platform Users’ Crypto Holdings as Balance Sheet Liabilities,” Troutman Pepper, April 25, 2022.
- Co-author, “World’s Largest Cryptocurrency Exchange Wins Dismissal of Class-Action Lawsuit,” Troutman Pepper, April 19, 2022.
- Co-author, “Digital Asset Federal Legislation and Regulatory Developments: Wrap Up of First Quarter 2022,” Troutman Pepper, April 18, 2022.
- Co-author, “New Virginia Law Permits Banks to Provide Virtual Currency Custody Services,” Troutman Pepper, April 13, 2022.
- Co-author, “FTC Enters Consent Agreement With Payment Processor for Opening Merchant Accounts for Fictitious Companies,” insideARM, March 28, 2022.
- Co-author, “FinCEN Implores Vigilance From Financial Institutions in Anticipation of Attempted Russia Sanctions Evasion,” Troutman Pepper, March 16, 2022.
- Co-author, “Biden Signs Executive Order on Cryptocurrency,” Troutman Pepper, March 10, 2022.
- Co-author, “2021 Consumer Financial Services Year in Review & A Look Ahead,” Troutman Pepper, January 28, 2022.
- Co-author, “New Jersey Introduces a Virtual Currency and Blockchain Bill,” Troutman Pepper, December 8, 2021.
- Co-author, “Every Company Should Have Access to a Bitcoin Account,” Security, October 19, 2021.
- Co-author, “Rohit Chopra Confirmed as New CFPB Director,” Troutman Pepper, October 1, 2021.
- Co-author, “Biden to Nominate Privacy Advocate Alvaro Bedoya as an FTC Commissioner,” Troutman Pepper, September 16, 2021.
- Co-author, “SEC Responds to Warren’s Letter on Authority to Regulate Crypto,” Troutman Pepper, August 17, 2021.
- Co-author, “Gensler Speaks on Crypto at Aspen Security Forum,” Troutman Pepper, August 5, 2021.
- Co-author, “Warren Writes Letter to SEC on Authority to Regulate Crypto,” Troutman Pepper, July 21, 2021.
- Co-author, “Big Tech Critic Lina Khan Confirmed and Sworn In as New FTC Chair“, Troutman Pepper, June 16, 2021.
- Co-author, “Unanimous Court Cuts FTC’s Power to Seek Monetary Redress,” Troutman Pepper, April 23, 2021.
- Co-author, “Biden to Nominate Big Tech Critic Lina Khan to Serve as an FTC Commissioner,” Troutman Pepper, March 23, 2021.
- Co-author, “CFPB Rescinds Trump-Era Guidance Regarding “Abusive Acts and Practices” Standard,” Troutman Pepper, March 15, 2021.
- Co-author, “State Regulators Release New Nonbank Cybersecurity Exam Tool,” Troutman Pepper Consumer Financial Services Law Monitor, March 8, 2021.
- Co-author, “The Technological and Business Evolution of Machine Based Gambling in America,” 14 Wake Forest J. Bus. & Intell. Prop. L.235, 2014.
- Quoted, “Regulators Make It Easier to ID Customers Digitally,” FinXTech, August 14, 2025.
- Quoted, “Credit Unions Rarely Engage in BaaS. North Bay is an Exception,” American Banker, September 4, 2024.
- Quoted, “Is Your Cash in a Real FDIC-Insured Bank or a Look-Alike? Are You Sure?,” MarketWatch, March 21, 2023.