Open to opportunities

Michelle Reyes

@michellereyes

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Experienced managing attorney specializing in payments and regulatory compliance.

Spain

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What I'm looking for

I seek a role that values compliance and innovation, fostering professional growth.

I am a seasoned legal professional with extensive experience in the financial services sector, currently serving as a Managing Attorney at USAA Federal Savings Bank. My role involves providing expert legal advice on a wide range of payment products, including debit and credit cards, digital wallets, and peer-to-peer payment services. I excel in negotiating and drafting contracts, ensuring compliance with regulatory requirements, and guiding complex product initiatives that align with applicable laws.

Prior to my current position, I held the role of SVP and Assistant General Counsel at Bank of America, where I advised senior leaders on consumer laws and regulations affecting deposits and payments. My contributions included leading legal support for international remittance operations and enhancing compliance processes. My career began at Moore and Van Allen, PLLC, where I represented major lenders and negotiated multi-million-dollar agreements, showcasing my strong analytical and problem-solving skills.

Experience

Work history, roles, and key accomplishments

Current

Managing Attorney – Payments

Current

USAA Federal Savings Bank

Jan 2019 - Present (6 years 5 months)

Provided expert legal advice on diverse payment products and services, ensuring regulatory compliance and best practices. Negotiated and drafted complex contracts, supported product initiatives, and advised on marketing and issues management.

Legal Advice Payment Systems Regulatory Compliance Contract Negotiation Policy Development Product Development Risk Management

SVP, Assistant General Counsel

Bank of America

Jan 2009 - Dec 2019 (10 years 11 months)

Advised senior leadership on consumer laws and regulations, providing legal support for digital innovation, advertising campaigns, and brand sponsorships. Led legal efforts for international remittance and contributed to new product development.

Regulatory Compliance Innovation Remittances Policy Implementation Risk Mitigation

Associate, Financial Services

Moore and Van Allen, PLLC

Jan 2007 - Dec 2009 (2 years 11 months)

Represented a major lender in complex repurchase and credit facility transactions involving mortgage asset collateral. Drafted and negotiated multi-million-dollar agreements as outside counsel for a large U.S. bank.

Financial Services Law Mortgage Assets Credit Facilities Contract Drafting Negotiation Due Diligence Stakeholder Management

Attorney - Contracts

Transamerica Reinsurance

Jan 2004 - Dec 2007 (3 years 11 months)

Drafted and negotiated various reinsurance contracts.

Contract Drafting Negotiation Reinsurance Corporate Law

Education

Degrees, certifications, and relevant coursework

Fordham University

Juris Doctor, Law

Studied law at Fordham University, focusing on legal principles and practices. Gained expertise in various areas of law, preparing for a career as a legal professional.

Georgetown University

BS in Foreign Service, Foreign Service

Completed a Bachelor of Science in Foreign Service at Georgetown University. Gained a comprehensive understanding of international relations and diplomacy.

Sophia University

Comparative Culture Studies, Comparative Culture Studies

Studied Comparative Culture Studies at Sophia University in Tokyo, Japan. Explored diverse cultural perspectives and their impact.

Tulane University

MS in International Development, International Development

Pursued a Master of Science in International Development at Tulane University's Arlington, VA campus. Focused on global development issues and strategies.