I provide the in-depth knowledge of payments industry structure, players, industry economics, payment and related regulations that comes from over 25 years in the industry as legal counsel for payments companies.  The payments business is heavily regulated, with complexities that can be understood only through years of exposure to the many facets of the market space.  As counsel for leading companies in that space I have seen the evolution, successes and failures in the payments industry. This experience enables me assist your company to identify and remediate the common legal issues that confront payment industry participants.  I was responsible for Visa's regulatory and governmental affairs for over 5 years, and have obtained regulatory relief required by new business models from payments regulators for my clients. My business experience in the industry combined with my legal expertise can bring to your company the seasoned advice and assistance that solves problems and creates results.