|
Areas of
Practice Financial Services
EducationJ.D.,
Wake Forest University School of Law, 1987
B.A., University of North Carolina at Chapel
Hill, 1974
Representative Experience
Experienced in banking related laws including
Regulations DD (Truth in Savings), E (electronic fund transfers), CC (funds
availability/check collection), D (reserves/deposit classifications), Q
(interest on demand deposits) and P (privacy); FDIC insurance regs; Fair
Credit Reporting Act; USA PATRIOT Act; Electronic Signatures Act; CAN-SPAM
(e-mail law);and various state laws including UCC Articles 3, 4 and 4A
Extensive knowledge of checking, savings and
CD accounts, Health Savings Accounts, asset management sweep accounts, and
services such as online and telephone banking, debit cards, ATMs, new
payment technologies, night deposits, and business cash management services
Provided legal advice for entry into new
markets and development of numerous new and innovative deposit products and
services
Reviewed/approved thousands of
advertising/marketing materials, policies/procedures and training materials
Drafted numerous customer agreements,
disclosures, contracts, etc., for both domestic and foreign use
Experienced in drafting and negotiating
vendor/outsourcing contracts for financial institutions, and in development
of procedures for selecting, contracting with, and overseeing service
providers.
Experienced in financial institution “operational” matters
such as complaint resolution; litigation management; frauds and forgeries;
subpoenas, levies and other legal process; privacy breaches; and issues
involving guardianships, powers of attorney, decedent accounts, trusts, wire
transfers, safe deposit boxes, etc.
Extensive experience with
post-merger/acquisition implementation efforts and initiatives designed to
standardize products, services, systems, procedures, forms, etc., within a
multi-state franchise
Professional/Community Activities
American Bar Association
North Carolina Bar Association
North Carolina Bankers Association Bank
Counsel Committee, Past Chair
Speaker, 2007 NC Bankers Association Deposit
Accounts Seminar
Prior Legal Experience
Bank of America Corporation, Charlotte, NC, Attorney 1988 - 2007;
Assistant General Counsel 1997 - 2007
McGuire, Woods, Battle & Boothe, Richmond, VA, Associate 1987 - 1988
Publications
Author, amicus brief in Johnson v. Service
Management Inc., 478 S. E. 2d 63 (SC debt collection case)
Primary drafter, Regs E and DD sections,
American Bankers Association Consumer Financial Services Committee 1999 comment letter on the Federal Reserve's
electronic communication proposals
Jurisdictions Licensed
North Carolina, Virginia
|
