The Philosophy of Regulation… and Workarounds

03 Aug 2015

The Philosophy of Regulation… and Workarounds

As the head of the Hogan Lovells’ U.S. Payments Group, Veronica not only works with FinTech startups, but handles regulatory issues for mergers and acquisitions, private equity investments, IPOs, and commercial transactions. Specifically, her practice focuses on payment systems, financial services, virtual and cryptocurrencies, mobile banking, mobile payments and m-commerce, prepaid/stored value systems, consumer lending, privacy, online business, anti-money laundering compliance, software and technology licensing and privacy and data security. She has represented clients in a variety of financial services-related matters, including technology companies, banks, payment system providers, wireless carriers, gaming developers, virtual property trading platforms, online and physical retailers, social networking companies, online service providers, and software application developers.

Utilizing over 15 years of bank regulatory training and her inherited entrepreneur DNA from her father, Veronica is uniquely suited to partner with clients on the front lines of product development and serve as an interpreter in situations where regulated entities, like banks, are partnering with unregulated entities, like tech startups. She advises businesses on how to navigate the patchwork of state and federal laws and regulations that they inevitably encounter as they design innovative payment systems to meet the demands of an online world. This has made her a niche practitioner – a payments specialist who utilizes her knowledge of the laws and regulations concerning moving money through cyberspace to effectively mediate and bridge the gap between the traditional banks and the rebels of the disruptive, new technology.

Veronica is very active and respected in the FinTech legal industry – she not only holds numerous leadership positions but is prolific speaker on the subject. In the past 12 months alone, she has spoken at nearly 20 conferences and seminars around the world and authored articles in various publications. After serving as a fellow, she was recently elected to the Board of Regents for the American College of Consumer Financial Services Lawyers. She serves as Chair of the Electronic Financial Services Subcommittee of the American Bar Association, and in the past served as President of the San Francisco Bank Attorneys Association and Chair of the Consumer Financial Services Committee of the California State Bar Association.