Lindsay J. Smith is a regulatory and compliance attorney who advises financial institutions and fintech companies on complex operational, governance, and risk management issues. Her practice spans new service development, regulatory response, and enterprise compliance and risk management — helping clients innovate while maintaining strong regulatory standing.

Lindsay regularly counsels clients on the design and launch of fintech products, consumer and commercial financial product solutions, payment systems, Banking-as-a-Service and sponsorship programs, and specialized banking programs for high-risk industries such as cannabis. She also guides clients through regulatory inquiries, examinations, and corrective action plans, and builds consumer compliance, ERM, BSA/AML, and AI governance frameworks; third-party risk and vendor management programs; and CRA and CDFI strategies. In addition, Lindsay provides executive-level legal and compliance support for financial institutions during key business transitions, including technology conversions, product rollouts, and M&A activity.

Before joining OGC, Lindsay founded Lindsay J. Smith, Attorney at Law, providing fractional General Counsel, BSA Officer, Chief Compliance Officer, and Chief Risk Officer services to bank and credit union clients. She also helped financial institutions design and implement compliant and sustainable Banking-as-a-Service and sponsorship programs.

Earlier, she served as Assistant General Counsel and Regulatory Liaison for BancorpSouth (now Cadence Bank), where she managed the bank’s relationships with state regulators, the Federal Reserve, the FDIC, and the CFPB, oversaw its continuous monitoring program, and prepared and filed numerous merger and acquisition applications. At Frontier Bank (now Renasant Bank), she served as Bank Secrecy Act Officer, Chief Compliance Officer, and Counsel to the CEO, leading BSA/AML remediation and Fair Lending compliance efforts and aligning internal audit programs with IIA Standards.

Lindsay earned her Master of Laws (LL.M.) in Banking and Financial Law from Boston University School of Law in May 2026, her J.D. from Mississippi College School of Law, and her B.S. in Psychology from Louisiana State University.

Outside of practice, Lindsay serves on nonprofit boards supporting children with disabilities and survivors of domestic violence and human trafficking, and enjoys time with her eight-year-old son.