Theodore Flo
About Theodore Flo
Theodore Flo is the Chief Legal Officer at Zest AI and a Founding Board Member of the Financial Technology Association, with extensive experience in consumer financial services law.
Company
Theodore Flo currently serves in multiple roles, contributing his legal expertise to the Financial Technology Association in Thousand Oaks, California, and Zest AI in Burbank, California. He is also a member of TechGC in Los Angeles, California.
Title
Theodore Flo is the Chief Legal Officer at Zest AI, where he oversees legal, compliance, and policy matters. He is a founding board member of the Financial Technology Association and a member of TechGC.
Education and Expertise
Theodore Flo earned his Doctor of Law (J.D.) from The George Washington University Law School from 2005 to 2008. He holds a Certificate in International Human Rights Law from the University of Oxford. Additionally, he graduated summa cum laude from the University of Maryland, achieving Bachelor's Degrees in Finance and Economics from the Robert H. Smith School of Business.
Background
Theodore Flo has a diverse background in legal services, having previously worked at firms like Ballard Spahr LLP and BuckleySandler LLP. He served as Counsel in Consumer Financial Services and litigated high-stakes cases for companies like Freddie Mac. He also has experience as an Associate in the High Stakes Litigation Group at Shearman & Sterling LLP and as a Law Clerk at the Federal Trade Commission.
Achievements
At Zest AI, Theodore Flo built the compliance management system from the ground up. He has handled high-stakes investigations by agencies such as the Federal Reserve, DOJ, CFPB, OCC, FDIC, and HUD. He also spent over a decade advising consumer financial services companies, including international banks, credit card issuers, and mortgage lenders. He is admitted to practice law in D.C., Maryland, Virginia, and California.