& EMERGING PAYMENT SYSTEMS
TheAmerican banking system laid the foundation for the country as we know it. Borne alongside the country itself, this fundamental institution has fueled 250 years of American industry. As new financial technologies emerge, innovation ramps up, and new players enter the field, new risks and opportunities arise. In a country undergoing rapid regulatory change, it is critical to stay ahead.
ACI invites you to join us as we return to the anchor of American banking, New York City this May, 2025 for the foremost forum on legal, regulatory, and compliance in FinTech and emerging payment systems.
With over 4,500 commercial banks and savings institutions insured by the FDIC, a rapidly growing FinTech market currently comprised of over 10,000 companies, and a new administrative landscape quickly establishing big changes, you can’t afford to miss this year’s program. We’ve revamped our agenda to bring together FinTechs, Banks, and Emerging Payment Systems into a single three-day event focused on all things finance.
Our distinguished faculty, representing regulators and policy-makers, in-house counsel from major industry leaders, and outside counsel with a wide range of financial regulatory experience, will spend three days discussing the full spectrum of legal and compliance challenges. We’ll address the national and international landscape under the new administration and lessons learned from failure. We’re pleased to present two new series on Bank-FinTech partnerships and Consumer Protection, equipping you with all the information you need to know. PLUS! For a deeper dive, join our 3.5-hour workshops on AML and Sanctions, Bank-Fintech Partnerships, and Handling Consumer Data
Invest in robust regulatory operations and maintain a rich practice to ensure success you can bank on in the ever-changing world of finance.
We look forward to seeing you this May in Manhattan.
EARN CLE CREDITS
Accreditation will be sought in those jurisdictions requested by the registrants which have continuing education requirements. This course is identified as nontransitional for the purposes of CLE accreditation.
ACI certifies this activity has been approved for CLE credit by the New York State Continuing Legal Education Board.
ACI certifies this activity has been approved for CLE credit by the State Bar of California.
ACI has a dedicated team which processes requests for state approval. Please note that event accreditation varies by state and ACI will make every effort to process your request.
For more information on ACI’s CLE process, visit: www.AmericanConference.com/Accreditation/CLE
Distinguished Faculty
CHAIRS
Brad Fauss Senior Vice President and General Counsel Greenlight Financial Technology
Sara Weed Partner Gibson Dunn & Crutcher LLP
GOVERNMENT
Suzanne Martindale Senior Deputy Commissioner Consumer Financial Protection California Department of Financial Protection and Innovation
ESTEEMED SPEAKERS
Allyson Baker Partner, Litigation Department Paul Hastings, LLP
Andrew Bigart Partner Venable LLP
Eric Goldberg Partner Akerman LLP
Zachary Goldman Partner | Co-Chair, Blockchain and Cryptocurrency Working Group Wilmer Cutler Pickering Hale and Dorr LLP
Robert Lavet Member of the Board of Directors SoFi Bank N.A. (Former Chief Legal Officer, SoFi Technologies, Inc.)
Ryan Louvar Chief Legal Officer and Head of Business and Legal Affairs WisdomTree
Rusty Pickering President and Chief Operating Officer Ingo Payments | Ingo Money
CJ Rinaldi Chief Compliance Officer Kraken Digital Asset Exchange
Kayce Seifert Associate General Counsel Mercury
Laurie Sellick Tauberg Sr. Director, Associate General Counsel, Product, Regulatory & Innovation Affirm
Crissy Solh General Counsel, CashApp Block, Inc.
Molly Swartz Partner, Fintech and Payments Paul Hastings, LLP
Barrie VanBrackle Partner Latham & Watkins LLP
Elyse Whitehead Head of Enterprise Legal Services Plaid Inc.
Global Sponsorship Opportunities
With conferences in the United States, Canada, Latin America and Europe, the C5 Group of Companies: American Conference Institute, Canadian Institute, and C5 Group, provides a diverse portfolio of conferences, events and roundtables devoted to providing business intelligence to senior decision makers responding to challenges around the world. Don’t miss the opportunity to maximize participation or showcase your organization’s services and talent. For more information please contact us at: SponsorInfo@AmericanConference.com
Media Partner
Day 1 – May 12, 2025
7:00 Workshop Registration
8:00 PREPAID WORKSHOP A AML and Sanctions: New Developments and How to Strengthen Your Screening Process
With heightened regulatory scrutiny and shifting geopolitical risks, financial institutions must stay ahead of evolving AML regulations and global sanctions enforcement. This interactive workshop will provide practical strategies for developing a rigorous screening process to avoid compliance failures, anticipate enforcement trends under a second Trump administration, and adapt to the latest FinCEN proposals.
Workshop leaders will arm you with the tools and insights needed to proactively manage risk, refine your compliance strategy, and strengthen your AML and sanctions screening process.
Topics of discussion will include:
• Avoiding AML fines by bolstering internal controls and compliance frameworks
• Understanding and anticipating current regulations, enforcement actions, and potential pitfalls under the second Trump administration
• Analyzing FinCEN’s proposed AML/CFT program rule
• Establishing international strategies with foresight and intention, with special attention to
» Russian-related sanctions
» Iran sanctions
» North Korea sanctions
» Cuba sanctions
» Venezuela
• Complying with international sanctions in the EU, Australia, Singapore, and more
• Ensuring screening processes catch and block SDNs
• Determining the proper screening processes and procedures around cyber data
• Reviewing recent cases and investigations
» In the Matter of TD Bank, N.A. and TD Bank USA, N.A.
» Wells Fargo
» Bank of America
» USAA 11:30
Zachary
1:30 Making Change: Assessing the National and International FinTech Regulatory Landscape in a Post-Loper Regime
As regulatory landscapes shift both in the U.S. and abroad, FinTech companies must navigate changing rules while balancing innovation with compliance. This session will break down national and global regulatory developments and their impact on the industry, and provide you with strategies for staying ahead.
Topics will include:
• Unpacking how state and federal regulations are working in tandem and the evolving push and pull
• Reviewing the regulatory initiatives and outcomes of both the state and federal governments during the first Trump administration and their impact on the FinTech sector
CJ Rinaldi Chief
Compliance Officer
Kraken Digital Asset Exchange
Allyson Baker
Partner, Litigation Department
Paul Hastings, LLP
• Analyzing how institutions that already function or intend to function internationally are adapting to global regulations while managing existing tech backlog & compliance concerns.
• A look at global regulations including:
» MiCA
FIT21
GDPR
DORA
• Adapting strategies to identify key compliance challenges for cross-border operations
• Preparing for regulatory shifts to ensure innovation and risk mitigation
2:30 Afternoon Networking Break
3:00 Starting Strong: Navigating the Regulatory Landscape from the Start
Banking and finance have existed in the US since the country began. FinTech, however, is a product of the modern era. Appling outdated regulatory frameworks to new technology has created challenges, gaps, and overlaps. This session will explore how to anticipate corporate actions, align with the right regulatory scheme, and build a robust compliance strategy that mitigates risk.
Topics include:
• Exploring how Buy Now Pay Later models are creating new compliance challenges
• Analyzing how Earned Wage Access aligns with financial and labor regulations
• Navigating evolving oversight for the utilization and transmission of blockchain and digital currencies
• Applying CFPB standards for FinTechs in dominant market sectors
• Understanding new DOJ and FinCen whistleblower reward programs and their impact on your compliance strategies
Eric Goldberg Partner Akerman LLP
Ryan Louvar Chief Legal Officer and Head of Business and Legal Affairs WisdomTree
Laurie Sellick Tauberg
Sr. Director, Associate General Counsel, Product, Regulatory & Innovation Affirm
Barrie VanBrackle Partner
Latham & Watkins LLP
4:00
The old adage goes, “if at first you don’t succeed, try again.” As FinTech continues to emerge and evolve, there will continue to be stumbling blocks and lessons to be gained from every misstep.
This session will discuss industry lessons learned from:
• The way Synapse navigated compliance issues and rebuilt trust in the ecosystem
• The operational and risk management failures that led to the collapse of Silvergate Bank
• Signature Bank’s struggles with regulatory scrutiny and reputational damage
• Addressing the critical gaps in oversight exposed by Silicon Valley Bank
5:00 End of Day 1
As FinTechs and traditional banks increasingly collaborate, navigating regulatory, operational, and risk management challenges in a mutually beneficial way is critical for successful partnerships.
Topics of this session will include:
• Navigating M&A to ensure alignment of goals and compliance practices
• Addressing fraud and money laundering risks while maintaining seamless operations
• Managing crypto transactions to meet evolving regulatory and security expectations
• Managing third party oversight and liability
• Squaring regulations with enterprise risk management 10:30 Morning Coffee Break
11:00
Once we’ve laid out all the questions and concerns rooted in the development of bank partnerships, it’s critical to determine what processes and practices FinTechs should have in place before embarking on the search for a bank partnership.
Topics of this session will include:
• Establishing best practices for buying and selling
• Implementing robust due diligence processes to meet regulatory and partner expectations
• Breaking down agreement details to clarify roles, responsibilities, and risk allocation
• Addressing the question of Multi-State Licensing and the possibility of a Federal Payments Charter
• Leveraging Banking-as-a-Service to streamline operations and expand partnership opportunities
Robert Lavet Member of the Board of Directors SoFi Bank N.A. (Former Chief Legal Officer, SoFi Technologies, Inc.)
Rusty Pickering President and Chief Operating Officer Ingo Payments | Ingo Money
Molly Swartz Partner, Fintech and Payments Paul Hastings, LLP
Crissy Solh General Counsel, CashApp Block, Inc.
Kayce Seifert Associate General Counsel Mercury
12:00
1:15
1033 Open Banking Rule: Compliance, Consumer Control, and Security Challenges
In October of 2024 the CFPB finalized a rule giving consumers greater control over the privacy and security of their financial data. To increase consumer agency, the CFPB has opened up major questions for banks and FinTechs surrounding monitoring processes, reporting requirements, and policies and procedures needed to align with the new rule. Topics of discussion will include:
• Understanding how the CFPB’s rule impacts monitoring processes and the systems needed to ensure compliance
Elyse Whitehead Head of Enterprise Legal Services Plaid Inc.
• Addressing reporting requirements and determining which policies and procedures must be updated and/or created
• Exploring the balance between consumer control and mitigating security risks for banks and FinTechs
2:15 Afternoon Networking Break
2:30 A LOOK AT CONSUMER PROTECTION
PART 1 How State Regulators are Filling in Federal Gaps
Where federal regulations surrounding consumer protection may be lacking, state AGs are stepping into the fold and providing a wide range of regulations from credit reporting to customer service. This session will discuss the functions of the state regulators in the patchwork regulatory regime of the United States and what it means for your compliance processes and policies. Topics of discussion will include:
Suzanne Martindale
Senior Deputy Commissioner
Consumer Financial Protection
California Department of Financial Protection and Innovation
• Examining the role of state AGs and state financial regulators in expanding consumer protections where federal regulations fall short
• Identifying how state regulators interact, benchmark against, and respond to each other
• Understanding the compliance impact of state rules on credit reporting and customer service
• Managing the challenge of a fragmented regulatory landscape
3:30 PART 2 Protecting Consumer Data: Strengthening Security, Privacy, and Compliance in a Digital World
Data is the backbone of the tech industry, and with each new innovation new data points are able to be gathered. Learn what is required to ensure your consumer data is secure within the bounds of state and federal regulations.
This session will include:
• Understanding how the Fair Credit Reporting Act shapes responsibilities for managing and protecting consumer data
• Exploring the use of AI-driven data analysis to enhance insights while avoiding risks to privacy and compliance
• Implementing strategies to meet consumer expectations for transparency and security in a rapidly evolving regulatory landscape
• Reviewing technological innovations like data cleanrooms and their application to data sharing systems and privacy protection For more instruction on developing processes for
4:30 End of Day 2
Day 3 Workshops – May 14, 2025
9:00 WORKSHOP
B Securing the Right Bank Partnership: Strategies for Success
Picture this: you’re a FinTech in your early stages, ready to make a deal with a bank. Regulators are discouraging partnerships, and you’re looking to find the perfect fit.
Stand out by setting yourself up for success and anticipating the questions banks will be asking and the qualities for which banks are searching from the jump.
This workshop will provide in-depth instruction on:
• What you can expect through the due diligence process
• The necessary policies and procedures you should already have in place
• The licensing obligations you should prepare for
• Robust cybersecurity readiness
• Handling enterprise risk management as an aspect of the deal
12:30 Registration for Workshop C and Luncheon
1:30
WORKSHOP
C Responsible Data Practices: Ensuring Security, Compliance, and Consumer Trust
FinTechs and banks handle some of the world’s most sensitive and identifiable data. This data is used for a myriad of purposes, from safety and account security to targeted marketing across platforms.
With great data, however, comes great responsibility.
This workshop will give you necessary tools, policies, and procedures to ensure not only that consumer data is safely stored, but also that it is used responsibly and with the consent of the user. From mandatory opt-in, to robust cybersecurity systems, this workshop will cover what you need to know.
• Balancing data privacy regulations and consumer data control
• Modernizing security to meet current risk needs
• Developing data processes to protect consumers and mitigate risk
• Improving compliance through rigorous understanding of current regulations and expectations at the state and federal level
• Adapting compliance strategies for international regulations and shifting foreign policy
• Enhancing detection and response methods to ensure speedy and thorough handling of breaches
5:00 End of Day 3
UPCOMING EVENTS
June 25–26, 2025 One King West Hotel, Toronto, ON
November 18–19, 2025 Toronto, ON
Andrew Bigart Partner Venable LLP
Venue & Hotel Information
NY Bar Association 42 W 44th St, New York, NY, 10036
ACCOMMODATIONS
Hilton Garden Inn New York Times Square North 30 W 46th St, New York, NY 10036
American Conference Institute is pleased to offer our delegates a limited number of hotel rooms at a negotiated rate at the Sofitel Hotel. To take advantage of these rates, please contact the hotel directly and quote “ACI FinTech Compliance”.
Please note that the guest room block cut-off date is March 31, 2025. After that date OR when the room block fills, guestroom availability and rate can no longer be guaranteed.
Book with Confidence!
Register and pay to lock in your early rate and be eligible for a full refund until April 28, 2025.
If you are unable to attend for any reason, you will have the following options:
• A full credit note for you, or a colleague to attend another event.
• A full refund.
All cancellations and changes must be submitted to CustomerService@AmericanConference.com by April 28, 2025.
The C5 Group, comprising American Conference Institute, the Canadian Institute and C5 in Europe, is a leading global events and business intelligence company.
For over 40 years, C5 Group has provided the opportunities that bring together business leaders, professionals and international experts from around the world to learn, meet, network and make the contacts that create the opportunities.
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