Jennifer Olivestone

Jennifer has extensive experience providing legal, regulatory, transactional, and risk management and compliance counseling to financial institutions and FinTech companies in regard to their financial products and services offered either directly or through bank partnership programs. Jennifer regularly negotiates program agreements governing bank partnership programs with marketplace lenders, neobanks, payment processors, and banking-as-a-service providers. Jennifer assists financial institutions and FinTechs with the development of financial products, services, and programs, such as buy now pay later, earned wage access, card acquiring, card issuing, prepaid cards, and home improvement and solar financing. Jennifer regularly advises financial institutions and FinTechs on consumer compliance regulations, such as the Truth-in-Lending Act, the Fair Credit Reporting Act, the Electronic Fund Transfer Act, the Equal Credit Opportunity Act, and on the prevention of UDAP and UDAAP practices. Jennifer has knowledge across all payment networks and rails, including ACH, RTP, wires, and debit and credit transactions via the card networks.

Prior to joining Winston, Jennifer served as in-house counsel at Cross River Bank, one of the country’s most active financial services organizations in the FinTech industry, and worked for the NYC Department of Consumer Affairs, where she initiated and led enforcement proceedings against businesses engaging in deceptive and unconscionable trade practices.