Judith Rinearson is an attorney practicing law in K&L Gates' New York and London offices. She concentrates her practice in prepaid and emerging payment systems, electronic payments, crypto/virtual currencies, NFTs, mobile applications and reward programs. She has more than 30 years of experience in the financial services industry, including 18 years at American Express’s General Counsel’s Office (3 of which were spent in Sydney Australia). Her practice focuses particularly in the areas of emerging payments and compliance with consumer protection laws, anti-money laundering laws and licensing laws. She has spoken and published widely in the area of NFTs. In fact, her firm has issued an NFT client alert which is itself an NFT.