Lindsay J. Smith

Attorney at Law Specializing in affordable Regulatory and Compliance Solutions for Community Banks and Financial Institutions.

Certified Fraud Examiner (CFE)

Protect your business from financial losses and reputational damage with expert fraud detection and prevention services.

Certified Anti-Money Laundering Specialist (CAMS)

Safeguard against financial crimes and regulatory violations with comprehensive anti-money laundering solutions.

Certified Regulatory Compliance Manager (CRCM)

Enhance your organization’s regulatory compliance standards and minimize risks with specialized expertise.

EDUCATION

Master of Laws – Banking and Finance

Boston University School of Law | 2025

Doctor of Jurisprudence

Mississippi College School of Law | Dec 2010

Bachelor of Science, Major – Psychology

Louisiana State University | May 2008

Professional Experiences

Owner / Attorney

Lindsay J. Smith, Attorney at Law
Austin, Texas
October 2018 – Present

Assistant General Councel and Regulatory Liaison

BancorpSouth
Tupelo, Mississippi
January 2015 – October 2018

Bank Secrecy Act Officer

BancorpSouth
Tupelo, Mississippi
October 2014 – January 2015

Associate Attorney

Riley Caldwell Cork & Alvis, P.A.
Tupelo, Mississippi
October 2012 – October 2014

Staff Attorney, Special Assets, OREO, and Collections Officer

Frontier Bank
Chelsea, Alabama
November 2011 – October 2012

Counsel to the CEO, Bank Secrecy Act and Assistant Compliance Officer

Frontier Bank
Chelsea, Alabama
May 2011 – November 2011

Our Services

Legal Excellence Beyond Boundaries:
Navigating the Complexities with Lindsay J. Smith

New Services Development

We assist banking clients in identifying and developing profitable new services, seamlessly integrating them with the bank's growth strategy and customer service objectives.

Our successes encompass:

Innovative Fintech Solutions & Strategic Alliances
Navigating High Risk Verticals
Tailored Wealth Management Options
Comprehensive Insurance Solutions
Enhanced Payment Services Network
Cannabis and Marijuana Related Banking programs

Deposit Account Matters

Expert Deposit Account Management: We guide clients through complex deposit account scenarios, ensuring proper payment and administration.

Our focus is on:

Handling accounts after the death of an account holder.
Managing transitions in trust accounts or opening new ones.
Dealing with special accounts like DACA, Escrow, etc.
Addressing third-party claims on accounts.

Regulatory Response and Management

We specialize in resolving errors in a way that minimizes costs and maintains client reputation. We have established relationships with many state and federal regulatory agencies.

Our approach includes:

Verifying the existence of an error.
Developing a comprehensive resolution plan.
Suggesting future changes to prevent recurrence.
Ensures that financial institutions can adjust their services and documents effectively to avoid future issues, maintaining a positive standing.

Third Party Risk & Vendor Management Review

Comprehensive Vendor Strategy: We aid in vetting vendors and negotiating contracts, focusing on minimizing risks and ensuring regulatory compliance.

Our services include:

Setting a scope of review based on vendor risk.
Negotiating contract terms effectively.
Ensuring contracts meet regulatory requirements.

Consumer Compliance, BSA/AML, and Third Party/Enterprise Risk Program Development

Our approach to Consumer Compliance, BSA/AML, and Risk Management is akin to constructing a fortified citadel

Our approach to Consumer Compliance:

We build robust, comprehensive frameworks that safeguard your business, ensuring a fortress of compliance and security in an ever-evolving regulatory landscape.

Executive Support you Can Rely On

We offer targeted executive support for financial institution clients, focusing on risk, compliance, and legal areas.

On-Demand Executive Assistance:

Providing specialized support for examinations, conversions, and product launches.

Interim Management and Recruitment: Filling executive vacancies and aiding in finding qualified candidates. Past roles include Chief Risk, Legal, and Compliance Officer and BSA Officer.

Additional Services Include

Payment Gateways
Virtual Terminals
TSYS/FIS Back Office Integration
Portal (Client / Partner)
CRM
Online Applications

Digital Signatures
International Payments
Custom Development
Risk Tools – KYC, OFAC, ID Verification, Credit Report
Shopping Cart Integrations
Payfac