Law Seminars International Presents: An Advanced Two-Day Conference on Cutting Edge Issues in

Mobile Payment Systems
New business models and associated legal issues

May 17 & 18, 2012
Westin Peachtree Plaza Hotel in Atlanta, GA

Who Should Attend

Attorneys; business executives in the wireless, mobile device, applications development, technology and venture capital industries; business consultants and governmental officials

Why You Should Attend

Mobile payments are attracting considerable attention from financial institutions, carriers, investors, merchants and consumers. Contactless technologies such as near-field communication and remote payment solutions that allow for more rapid or advanced checkout and a range of value-added services and value propositions are rushing to market.

The business models and associated legal issues for these offerings can be complex, as the roles of the many players continue to evolve. Such programs implicate financial services regulation, privacy and data security telecommunications regulation, consumer protection, and a range of other legal and regulatory issues with few settled answers.

Just as important, the need for close collaboration among companies with widely varying cultures and approaches to compliance calls for a deep appreciation of the constraints under which the various participants in a mobile payment ecosystem must operate.

This conference will address various business models and platforms for mobile payments, state and federal banking and financial services regulation, and their application to mobile payments, the international experience, privacy and data security, the regulator perspective, and offer varying viewpoints from the many participants and supervisors of these complex systems.

Here are valuable updates and practical tips you will not want to miss!

~Program Co-Chairs: Andrew J. Lorentz, Esq., Davis Wright Tremaine LLP and Clifford S. Stanford, Esq., Alston & Bird LLP

What You Will Learn


Thursday, May 17, 2012

8:00 am

Registration and Continental Breakfast

8:30 am

Introduction to Day 1: New Regulatory Structures

Andrew J. Lorentz, Esq., Program Co-Chair
Davis Wright Tremaine LLP / Washington, DC

Clifford S. Stanford, Esq., Program Co-Chair
Alston & Bird LLP / Atlanta, GA

8:45 am

The Mobile Payments Marketplace: Platform Options and Network Economics

Like any payments system, mobile payments must solve the chicken and egg problem to gain traction: Expert observers discuss the various technologies and business models being deployed

Cynthia Merritt, Assistant Director of Retail Payments Risk Forum
Federal Reserve Bank of Atlanta / Atlanta, GA

Steve Mott, Principal and CEO
BetterBuyDesign / Stamford, CT

10:15 am

Break: Coffee, Tea and Conversation

10:30 am

Lessons From Around the World: How Do Regulatory and Business Ecosystems Facilitate or Hamper Development of Mobile Payment Systems Abroad?

Hear expert counsel discuss the regulatory and business environments in key markets abroad and offer perspectives on the implementation of mobile-enabled payments in those markets, and offer lessons for the U.S. The European Union

Anthony M. Balloon, Esq.
Alston & Bird LLP / Atlanta, GA


Chris Daniel, Esq.
Paul Hastings LLP / Atlanta, GA

12:00 pm

Lunch (on your own)

1:15 pm

U.S. Financial Services Law and the Unique Challenges It Presents for Development of Mobile Payment Systems

Bank Secrecy Act: Key anti-money laundering compliance issues (customer verification, record keeping, reporting, policies and other obligations) for mobile payments

Andrew J. Lorentz, Esq., Program Co-Chair
Davis Wright Tremaine LLP / Washington, DC

Consumer payments and the regulatory structure for transferring funds: Regulation E (implementing the Electronic Fund Transfer Act); Regulation Z

Kevin L. Petrasic, Esq.
Paul Hastings LLP / Washington, DC

State money transmitter laws and their impact on non-banks entering the payment space; regulatory structure for banks and when "deposit taking" triggers regulation of payment services

Sean Ruff, Esq.
Morrison & Foerster LLP / Washington, DC

3:15 pm

Break: Soda, Tea and Conversation

3:30 pm

Case Study: American Express' Serve Platform

Peter Lurie, SVP, Strategic Partnerships/Business Development
American Express Company / New York, NY

4:00 pm

Payment Network Adaptations to Emerging Payments Models: Opportunities and Risks

Payment networks as the "rails" upon which payment transactions ride for clearing and settlement: How adaptations and new rules are altering the payment system landscape; the risk of unintended consequences for the development of emerging payments models

Duncan B. Douglass, Esq.
Alston & Bird LLP / Atlanta, GA

George Throckmorton, Managing Director, Advanced Payments
NACHA / Herndon, VA

5:00 pm

Continue the Exchange of Ideas: Reception for Faculty and Attendees

Sponsored by Alston & Bird LLP and Davis Wright Tremaine LLP


Friday, May 18, 2012

8:00 am

Continental Breakfast

8:30 am

Introduction to Day 2: Setting Up Effective Operations

Andrew J. Lorentz, Esq., Program Co-Chair
Davis Wright Tremaine LLP / Washington, DC

Clifford S. Stanford, Esq., Program Co-Chair
Alston & Bird LLP / Atlanta, GA

8:45 am

The Technological Heart of the Matter: How Do the Systems Work? Who are the Players?

Mobile payment systems rely upon technologies such as Near-Field Communications (NFC) and cloud computing and business concepts such as Trusted Service Manager (TSM): Technologies, models and their prospects for the future

Jane Cloninger, Director
Edgar, Dunn & Company / San Francisco, CA

Paul Tomasofsky, President
Two Sparrows Consulting, LLC / Montvale, NJ

10:00 am

Case Study: PayPal Mobile

Internet-based remote payment at a physical outlet

Sharda Caro, Director
PayPal / San Jose, CA

10:30 am

Break: Coffee, Tea and Conversation

10:45 am

The New Mobile Face of Retail: Innovations in the Customer Experience and the Issues They Raise

Implementation: Technical and customer relations from a business perspective

Jody Chafee, Esq., Director, Corporate Counsel
Starbucks Coffee Company / Seattle, WA

Mobile payment systems are merging new sources of customer behavioral information in new ways: Update on offers platforms and other cutting-edge ideas transforming the retail landscape

Paul Grill, Partner
First Annapolis Consulting / Linthicum, MD

11:45 am

Privacy and Data Security

Challenges unique to mobile payments that threaten to impede widespread consumer acceptance and adoption by businesses

Randy Gainer, Esq.
Davis Wright Tremaine LLP / Seattle, WA

12:15 pm

Lunch (on your own)

1:30 pm

A Thicket of Patents

Strategies for navigating your way through it

Scott Forbes, Ph.D., Esq., Director of Licensing
Cryptography Research, Inc. / San Francisco, CA

2:00 pm

Regulatory Considerations

Federal regulatory agencies have windows into, and responsibilities for, critical pieces of the mobile payments chain: What are the current rules and initiatives to keep track of developments?

Clifford S. Stanford, Esq., Program Co-Chair, Moderator
Alston & Bird LLP / Atlanta, GA

Michael B. Benardo, Chief, Cyber-Fraud & Financial Crimes
Federal Deposit Insurance Corporation / Washington, DC

James L. Chen, Esq., Division of Financial Practices
Federal Trade Commission / Washington, DC

Lee H. Davis, Esq., Regulatory Policy Specialist
Financial Crimes Enforcement Network / Washington, DC

Mark Egerman, Esq., Policy Analyst
Consumer Financial Protection Bureau / Washington, DC

3:15 pm

Break: Soda, Tea and Conversation

3:30 pm

Wrap Up: Overcoming the Cultural Divides Between the Banking, Telecommunications and Technology Industries

The future of mobile payments depends upon the dynamic interplay among industries with contrasting approaches to business and those accustomed to operating in their own unique environments: How can we avoid culture clashes and move forward?

Andrew J. Lorentz, Esq., Program Co-Chair, Moderator
Davis Wright Tremaine LLP / Washington, DC

Kate Kingberger, Director of Wireless Internet, Development
CTIA-The Wireless Association / Washington, DC

Andy McGuire, VP Strategic Business Development
GSMA / Atlanta, GA

5:00 pm

Evaluations and Adjourn



Regular tuition for this program is $1245 with a group rate of $935 each for two or more registrants from the same firm. For government employees, we offer a special rate of $830. For students and people in their job for less than a year, our rate is $622.50. All rates include admission to all seminar sessions, food and beverages at breaks, and all course materials. Make checks payable to Law Seminars International.

Cancellation & Substitution

You may substitute another person at any time. We will refund tuition, less a $50 cancellation fee, if we receive your cancellation by 5:00 p.m. on Friday, May 11, 2012. After that time, we will credit your tuition toward attendance at another program or the purchase of a Homestudy. There is a $25 cancellation fee for Course Materials orders and $50 for Homestudy orders.

Continuing Education Credits

Live credits: This program qualifies for 13 GA CLE credits. Upon request, we will apply for, or help you apply for, CLE credits in other states and other types of credits.


The conference will be held at the Westin Peachtree Plaza Hotel at 210 Peachtree Street NW in Atlanta, GA 30303. Call the hotel directly at (800) 937-8461 for reservations at the special negotiated rate of $179 and mention that you are attending a Law Seminars International conference. Rooms are on a first come, first served basis.
More about the Location
Map & Directions

If You Cannot Attend

Our complete Homestudy Course, consisting of a DVD recording and the course materials (either a binder or searchable CD), is available for $1255. The course materials alone are available for $100. We will ship your Homestudy order via UPS ground within two weeks after the seminar or from the date we receive payment.
Order Homestudy

Faculty Bios

Andrew J. Lorentz, Program Co-Chair, partner at Davis Wright Tremaine LLP, focuses on the retail financial services sector, emphasizing payments and billing issues. He counsels major banks, global technology companies and international retailers on financial regulation, billing and payment systems.
Full bio and contact info for Andrew J. Lorentz at Davis Wright Tremaine LLP

Clifford S. Stanford, Program Co-Chair, is counsel in the Financial Services & Products Group at Alston & Bird LLP. He was formerly an official of the Federal Reserve Bank of Atlanta, responsible for the banking applications and enforcement functions of the Bank Supervision and Regulation Division, and was founding director of the Retail Payments Risk Forum.
Full bio and contact info for Clifford S. Stanford at Alston & Bird LLP

Anthony M. Balloon, partner in the Financial Services & Products Group at Alston & Bird LLP, concentrates on general corporate counseling in mergers, acquisitions, joint ventures and strategic alliances, with an emphasis on cross-border transactions. He is experienced in banking and finance, including merchant acquirers, card issuers and B2B payment companies.

Michael B. Benardo, Chief of the Cyber-Fraud and Financial Crimes Section in the Federal Deposit Insurance Corporation, Division of Risk Management Supervision, oversees fraud-related initiatives, including regulatory policies and procedures.

Sharda Caro, Legal Counsel and a Director for PayPal's North America team, focuses on legal and regulatory issues that impact consumer products, including payments via mobile devices, debit and prepaid cards. Previously, she was Senior Counsel at Wells Fargo Bank.

Jody Chafee, Director, Corporate Counsel of Law & Corporate Affairs at Starbucks Coffee Company, focuses on technology, corporate and securities transactions. Previously, he was a principal at Riddell Williams.

James L. Chen, attorney at the Federal Trade Commission, Division of Financial Practices, focuses on consumer protection litigation. He also serves on the Commission's Mobile Payments Task Force.

Jane Cloninger, Director at Edgar, Dunn & Company, is experienced in the payments industry advising issuers, merchants/co-brand partners, third party processors, major merchant acquirers and card associations.

Chris Daniel, Chair of the Payment Systems Practice and a partner in the Corporate Department at Paul Hastings LLP, focuses on payment systems law, including electronic payments, mobile payments, prepaid cards, virtual and digital currencies and money transmission.
Full bio and contact info for Chris Daniel at Paul Hastings LLP

Lee H. Davis, Regulatory Policy Specialist with the Office of Regulatory Policy within the Financial Crimes Enforcement Network (FinCEN), drafts and implements regulations, administrative rulings, and regulatory guidance regarding anti-money laundering.

Duncan B. Douglass, partner at Alston & Bird LLP, leads the Payment Systems Practice while focusing on transactions and regulatory issues related to payment systems and products.
Full bio and contact info for Duncan B. Douglass at Alston & Bird LLP

Mark Egerman, Policy Analyst at the Consumer Financial Protection Bureau, focuses on mobile payments and emerging technologies. Previously, he worked as an attorney in Washington, DC.

Scott Forbes, Ph.D., Director of Licensing at Cryptography Research, Inc, manages intellectual property and technology licensing related to advanced wireless technologies. Previously, he was Director of Wireless Programs for Via Licensing.

Randy Gainer, partner at Davis Wright Tremaine LLP, litigates privacy and security, communications and media, information technology, and intellectual property matters. He advises businesses on compliance and data breach notification laws.

Paul Grill, Partner at First Annapolis Consulting co-manages the Card Issuing Practice Area and is also responsible for its Mobile and Emerging Payments initiatives.

Kate Kingberger, Director of Wireless Internet, Development, at CTIA-The Wireless Association, leads industry-wide initiatives on mobile finance, location, video calling and enhanced instant messaging. She is recognized in the wireless industry as a strategy-focused thought leader and a solution-oriented team leader.

Peter Lurie is Senior Vice President, Strategic Partnerships and Business Development, for online and mobile platforms for the Enterprise Growth group at American Express Company.

Andy McGuire, Vice President at GSMA in the Strategic Business Development Unit, works to advance mobile commerce, rich communications (RCS), mobile advertising and mobile health services.

Cynthia Merritt, Assistant Director of the Retail Payments Risk Forum at the Federal Reserve Bank of Atlanta, manages research initiatives focused on emerging risks in legacy and alternative retail payment systems.

Steve Mott, Principal and CEO of BetterBuyDesign, focuses on market trends, digital technology, security, and innovations in payments and financial services.

Kevin L. Petrasic, partner in the Global Banking and Payment Systems practice at Paul Hastings LLP, focuses on compliance, bank/thrift and holding company regulation, and compliance laws impacting payment systems.
Full bio and contact info for Kevin L. Petrasic at Paul Hastings LLP

Sean Ruff practices primarily in the fields of consumer financial services and financial institution regulation at Morrison & Foerster LLP. He specializes in state money transmitter licensing laws and procedures.

George Throckmorton is Managing Director of NACHA's Advanced Payments Solutions Group. Current programs include EBIDS, SVP, PayItGreen, Mobile Payments and other network initiatives.

Paul Tomasofsky, President at Two Sparrows Consulting, LLCC , is a payment systems executive with experience in retail financial services, credit and debit cards, ATM management, ACH and Internet payments and check truncation.