BJ Sanford specializes in financial services regulation, with a focus on licensing, compliance, public policy, technology innovation and regulatory data management.
BJ helps financial services clients enter new markets, obtain new charters or licenses, make acquisitions, conduct mergers and navigate regulatory requirements governing bank activities and structure, including affiliate transactions (Regulation W), insider lending (Regulation O), capital, investments, deposit insurance, third-party risk management and payments. BJ regularly assists institutions and trade associations with legislative and regulatory policy analysis, as well as advocacy. He also advises financial and technology firms that are building or deploying regulatory data or artificial intelligence (AI) solutions for compliance and public policy use cases.
In his 20-plus years as a regulatory lawyer and consultant, BJ has advised over 200 financial institutions, technology companies and trade associations. His clients have included US and foreign banks, broker-dealers, asset managers, payment firms, finance companies, fintech and regtech firms, de novo organizing groups, insurance companies, clearing organizations and government-sponsored enterprises. He has also served as business lead or domain expert for numerous regulatory technology projects developing or implementing AI and governance, risk and compliance solutions for financial institutions and their service providers.