Financial technology
10 money transmitter licensing experts
These ten professionals have worked on money transmitter licensing and examinations, as licensing managers and regulatory counsel at payments and fintech companies and as state examiners of money transmitters. A reader can learn how practitioners approach money transmitter licensing from people who have done the work.
Professionals to explore
01—10Andrea Thomas
LinkedInExperience: US License Manager · Taptap Send
US License Manager at Taptap Send since 2022 and Senior Compliance Manager there since 2026. The profile describes her as a U.S. licensing compliance manager in the MSB fintech space with experience in license acquisition, money transmission and managing federal and state regulatory examinations. Earlier she was a Licensing Regulatory Specialist at Netspend (2017–2020) and held licensing compliance roles at Chartwell Compliance (2020–2022).
Karen Heede
LinkedInExperience: Manager of Examinations · Bureau of Financial Institutions
Manager of Examinations at the Bureau of Financial Institutions in Virginia since 2008; the profile says she manages the supervision and examination of money transmitter and money order sales businesses licensed in Virginia. It also lists her as a board member of the Money Transmitter Regulators' Association and vice chair of the Multistate MSB Examination Task Force.
Lily Swift
LinkedInExperience: Manager, GGRC Audits & Exams · PayPal
Former Manager, GGRC Audits & Exams at PayPal (2018–2019); the profile says she had primary responsibility for maintaining the money transmitter licenses of PayPal and its licensed subsidiaries, held in 49 states and 4 U.S. jurisdictions. She has been Director, Regulatory Affairs at Visa since 2019 and was earlier a Compliance Manager at Blackhawk Network (2012–2018).
Michael R. Sabula
LinkedInExperience: Money Transmitter Examiner · Ohio Division of Financial Institutions
Money Transmitter Examiner at the Ohio Division of Financial Institutions since 2010 and MSB Corporate Specialist there since 2017. The profile lists his responsibilities as MT license supervisor, NMLS coordinator for the money transmitter section, quarterly and annual surveillance reviewer, MSB training instructor and senior field examiner.
Monet Valdez
LinkedInExperience: Manager, Payments Licensing Compliance · Rippling
Manager, Payments Licensing Compliance at Rippling since 2025, and Payments Compliance Specialist there since 2023. Earlier she was a Cryptocurrency Compliance Analyst & Money Transmission Licensing Specialist at CoinStructive, Inc. (2021–2022). The profile describes work on acquiring and maintaining MSB licenses, audits and examinations, and international licensing research and applications.
Sarah Edwards
LinkedInExperience: Customer Protection and Payments Regulatory Counsel Lead · Block
Customer Protection and Payments Regulatory Counsel Lead at Block since 2025, after serving as Payments Regulatory Counsel for Cash App (2022–2025). The profile says she is lead regulatory counsel for examinations of Block, including multistate money transmitter examinations and NYDFS examinations. She has been a member of the Money Transmitter Regulators Association Industry Advisory Council since 2023.
Sunni Wallace
LinkedInExperience: Senior Regulatory Compliance Manager, Money Transmission · Procore Technologies
Former Senior Regulatory Compliance Manager, Money Transmission at Procore Technologies (2024–2025) and Regulatory Licensing Manager at Square (2018–2023), where the profile says she oversaw state regulatory licensing. Earlier she was Sr. Manager - State Regulatory Compliance Program at PayPal (2013–2018), and she has been Managing Director, Global Financial Services Licensing at Highwater Bound Capital and Compliance since 2025.
Tami S. Kaster
LinkedInExperience: Compliance Licensing Specialist (MSB) · WorldRemit
Compliance Licensing Specialist (MSB) at WorldRemit since 2023 and Regulatory Reporting Manager at TransferMate Global Payments since 2026. Earlier she was a Money Transmitter Licensing Specialist at Lawtrades/Gusto (2021–2022). The profile describes acquiring and maintaining money transmitter licenses for MSBs, fintech and payment companies, including administration of state licenses.
Timothy Swope
LinkedInExperience: Senior MTL Program Manager · BILL
Senior MTL Program Manager at BILL since 2019, also listed as Compliance Analyst - Money Services Business there. The profile says he currently handles money transmitter license reporting and exam coordination. Earlier he was Compliance Specialist - Licensing at Intuit (2017–2019).
Tyler S.
LinkedInExperience: MTL Licensing Manager · Celsius
Former MTL Licensing Manager at Celsius (2022). He was also an Associate at FS Vector (2022–2024) and a Compliance Professional at Chartwell Compliance (2021–2022), and has been Co-Founder & Director of Licensing at First Point since 2024. The profile headline lists money transmitter licensing, consumer lender licensing and virtual currency among his areas.
Choose the right perspective
Match the person's side of the work to your question: state examiners for what a money transmitter examination covers, licensing managers for running applications, renewals and reporting across many states, and regulatory counsel for deciding whether a product needs a license at all. Also consider whether you need someone with crypto or virtual currency licensing work if that is part of your product.
Questions to take into the conversation
- 01How should a payments startup sequence its state money transmitter license applications?
- 02What do state examiners typically ask for during a money transmitter examination?
- 03How do you keep licensing, reporting and renewals on track once a company holds licenses in many states?
Reaching money transmitter licensing experts
How can I contact one of these money transmitter licensing experts?
Pick one of the 10 people on this page and choose "Book a paid call", or describe your project to find others. You offer a fee for a 15-minute call or a written answer, Instant Expert finds the person's work email and sends the invitation, and they decide whether to accept. The list covers 10 companies, including Taptap Send, Bureau of Financial Institutions and PayPal, based on profile data retrieved on October 9, 2026. Being listed here doesn't mean someone has agreed to take calls.
How much does it cost to reach money transmitter licensing experts?
You choose the offer, starting at $5 per person. It includes Instant Expert's 20% fee, so an offer that pays the person $100 costs you $125. You're charged only when the person books the call or sends the answer.
What if they don't reply?
You pay nothing. Instant Expert sends follow-up reminders, and if the person hasn't booked or answered within 7 days, the request expires and any hold on your card is released. You can invite several of the 10 people on this list at once and cap your total spend, so you pay only for the ones who accept.
Can an AI agent ask one of these money transmitter licensing experts a question?
Yes. An agent with a USDC wallet on Base can ask one question without an Instant Expert account. It names the person, for example by the LinkedIn URL on this page, and pays per ask over x402 (HTTP 402). The person answers in writing or by voice note, and if nobody answers within 7 days, the payment goes back to the wallet automatically. x402 docs
About this directory
This is a professional research starting point based on business profile data retrieved on . Titles and companies reflect that source snapshot and may describe past or present roles. Check the linked profiles for current details. Inclusion does not imply Instant Expert membership or availability.
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