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Ryan Richardson

He/Him

Partner

T 212.603.6417 New York
For me, deal work is a fine art.
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Ryan Richardson has deep experience negotiating and documenting strategic, business-critical relationships for fintechs, banks, retailers, and their financial services and tech partners.

Ryan joined DWT from Stripe, where he was Lead Global Partnerships Counsel, responsible for Stripe's enterprise legal relationships with its key financial infrastructure partners such as payment networks, leading financial institutions, large processors, and other tech providers. Before Stripe, Ryan was at another law firm and helped leading retailers document their most important strategic alliances.

Ryan's broad deal experience encompasses the enablement of payment products, marketplace lending platforms, BaaS offerings, and related technologies such as identity verification and data mining. A lifelong points and miles geek, Ryan has significant experience with card-based and tender-neutral loyalty programs. He also advises on transactions for the sale, migration, or wind-down of financial products, services, and portfolios.

In all these areas, Ryan's approach is risk-tuned, efficient, and anchored in a clear, practical understanding of the client's products, business objectives, and technologies. It's also vitally informed by the deep regulatory experience Ryan gained working at the FDIC early in his career.

Practice Highlights

Fintech infrastructure relationships

Has led dozens of transactions—across six continents—enabling the financial services rails and infrastructure for non-bank fintech products across payments, lending, BaaS, and more. Together, these transactions govern hundreds of billions of dollars in money movement annually.

Retailer fintech relationships

Has advised on multiple transactions between retailers and their key fintech partners, including processors, embedded finance providers (such as point-of-sale lenders and buy-now, pay-later methods), and cloud service providers for personal financial information.

Card and loyalty program relationships

Has advised on transactions for many well-known card and loyalty programs, including co-branded and private label card program agreements, issuer sponsorship and processor agreements, network and scheme incentive agreements, and loyalty benefit agreements.
*Denotes experience prior to joining Davis Wright Tremaine
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Admitted to Practice

  • New York, 2018
  • District of Columbia, 2015

Education

  • J.D., Cumberland School of Law, Samford University, 2012, cum laude
    • Judge Abraham Caruthers Teaching Fellow
    • Articles Editor, Cumberland Law Review
  • B.A., Birmingham-Southern College, 2007, cum laude

Background

    • Lead Global Partnerships Counsel, 2021-2022; Product Counsel, 2019-2021; Financial Partnerships Counsel, 2018-2019 – Stripe Inc., New York
    • Associate, Financial Services, Morrison & Foerster LLP, New York, 2015-2018
    • Associate, Financial Services, Ballard Spahr LLP, Washington, D.C., 2014-2015
    • Attorney, 2014; Honors Attorney, 2012-2014 – Federal Deposit Insurance Corp., Washington, D.C.
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©1996-2022 Davis Wright Tremaine LLP. ALL RIGHTS RESERVED. Attorney Advertising. Prior results do not guarantee a similar outcome.
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