William “Bill” Repasky is a Member with Frost Brown Todd, LLC. He is Chair of the Firm’s Financial Services Litigation Practice Group. He is also a member of the Firm’s Blockchain and Digital Currency Practice group, focusing on regulatory compliance issues. He was formerly in-house counsel for one of the country’s largest banks, and also for a leading credit/debit card processing company. He is a frequent commentator, author, and lecturer on electronic banking, cyber fraud, and financial institution regulatory compliance matters. He obtained his law degree from Vanderbilt University and did his undergraduate work at the University of Michigan. Bill can be contacted at brepasky@fbtlaw.com or (502) 779-8184; or by mail at Frost Brown Todd, LLC, 400 West Market Street, Suite 3200, Louisville, KY 40102-33630. Brandi Reynolds, CAMS-Audit has over 14 years’ experience in the financial services industry. She has delivered efficient and effective solutions in areas of compliance program development, compliance monitoring and testing, and training in relation to federal consumer protection laws and regulations and anti-money laundering laws. Throughout her career, Brandi has gained extensive knowledge in the areas of state and federal compliance and risk management as she works closely with both traditional and non-traditional financial institutions.