John Reece
About John Reece
John Reece serves as the Senior Director of Product & Regulatory Counsel at Oportun, where he has worked since 2022. He has extensive experience in legal counsel for financial services, having held various positions at Capital One and the Sacramento County District Attorney's Office.
Work at Oportun
John Reece serves as the Senior Director of Product & Regulatory Counsel at Oportun since 2022. In this role, he focuses on providing legal support for digital innovation within the financial services sector. His responsibilities include advising on emerging payment technologies and supporting legal aspects of strategic partnerships, particularly in digital banking acquisitions and API externalization. Reece works remotely and has been instrumental in navigating the regulatory landscape associated with digital banking products.
Previous Experience at Capital One
Prior to his current position, John Reece held several roles at Capital One from 2004 to 2022. He started as a Manager in Investigations, then progressed to Senior Manager and Senior Counsel from 2006 to 2013. He later became the Director and Assistant General Counsel for Capital One Bank, focusing on Payments, Product, and Fraud from 2015 to 2022. His extensive experience at Capital One equipped him with a deep understanding of regulatory compliance and product development in the financial sector.
Legal Career Background
John Reece began his legal career as a Deputy District Attorney at the Sacramento County District Attorney's Office, where he worked from 1998 to 2000. This role provided him with foundational experience in legal proceedings and regulatory matters. His subsequent positions in the financial services industry have allowed him to specialize in various regulatory areas, including consumer protection laws and compliance.
Education and Expertise
John Reece earned his Bachelor of Arts in Economics from the University of California, Davis, where he studied from 1984 to 1988. He later obtained a Juris Doctor from Santa Clara University School of Law. Additionally, he holds an MBA from the Santa Clara University Leavey School of Business. His educational background supports his expertise in regulatory compliance and financial services law, enabling him to advise on a wide range of legal issues.
Regulatory and Compliance Expertise
John Reece possesses extensive knowledge in various regulatory areas, including Regulation E, Regulation Z, the Uniform Commercial Code (UCC), and privacy laws such as GLBA and CCPA. He also advises on BSA/AML compliance, FDCPA, and brokered deposits. His expertise in these areas is crucial for navigating the complex regulatory environment in the financial services industry, particularly concerning digital banking and emerging payment technologies.