Maria Macoubrie is a member of the firm's Banking and Financial Services division. Her practice focuses primarily on representing financial institutions with contract negotiation, business advice and regulatory compliance. Maria works with financial institutions and other financial businesses regarding payment programs and systems, including prepaid cards, debit cards, credit cards and ACH transactions. She also has extensive experience with payments-related matters in connection with the delivery of consumer directed health care products and services such as health savings accounts and flexible spending accounts. Maria's work on drafting and negotiating contracts between financial institutions and their program managers/service providers has included educating both the financial institutions and the service providers on the increased expectations of regulators with respect to third party oversight of bank programs.