Judith Rinearson

Judith Rinearson, a lawyer specializing in Fintech and Emerging Payments, is a Partner of K&L Gates, LLP, based in its New York and London offices.

Ms. Rinearson concentrates her practice in emerging payments, including prepaid, mobile, P2P, and electronic payments; crypto/virtual currencies and blockchain; promotional and reward programs; and payment basics such as ACH and credit and debit card compliance. She has more than 25 years of experience in the financial services industry, including 18 years at American Express’s General Counsel’s office. Judie currently co-chairs her law firm’s Global Fintech group, and has spearheaded the firm’s Blockchain Initiative.

In the US, Judie’s practice focuses on assisting fintechs and traditional payment institutions to launch new payment products in compliance with US state and federal consumer-protection laws, anti-money-laundering laws, state money-transmitter-licensing laws, and abandoned-property laws. She also spent nearly two years in her firm’s London offices, working with authorized e-money institutions and payment institutions, as well as EU/UK payments laws including PSD2, GDPR and MLD4/5. On the international level, Ms. Rinearson has supervised the launch of a range of payment and foreign currency products in Europe, Asia, and Latin America, met with international regulators, and spoken on the issue of payment regulation.

Ms. Rinearson has served on the Advisory Board of the UK’s Emerging Payments Association (EPA), and on the Board of the UK’s Prepaid International Forum (PIF), and she continues to be an active contributor in both organizations. She has also served for 8 years as Regulatory Counsel for the Network Branded Prepaid Card Association (NBPCA) (now the Innovative Payments Association) and currently is a Board Advisor to the Money Services Business Association (MSBA)in the U.S. where she chairs the Fintech Working Group.

Over the years, Ms. Rinearson has garnered many honors. In 2015, she was named one of the Top 10 Payment Lawyers, by Paybefore magazine and in the same year was voted as one of the most Influential Women in Payments at the same publication. In March 2008, she was honored with an Industry Achievement Award from the 2008 Prepaid Card Expo for her contributions as a pioneer in the prepaid card industry and her particular influence in the regulation of prepaid cards.

Partner, K&L Gates

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