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JoAnn P. Carlton

General Counsel and Corporate Secretary

JoAnn P. Carlton serves as the General Counsel and Corporate Secretary for Bank of America Merchant Services. She is responsible for managing legal risks and the contracts with customers, vendors and other third parties for the corporation.

JoAnn was previously an Associate General Counsel with Bank of America and the Managing Counsel for the legal team that supported the bank’s merchant services business prior to the formation of the new company.  JoAnn also served as the Managing Attorney for Bank of America’s small business lending and deposits, consumer and small business credit cards, consumer deposit products, eCommerce and ATMs and prepaid card products.

JoAnn has more than 20 years of experience providing legal service in the payments and financial services industry. Prior to working for Bank of America, JoAnn was Senior Vice President and Counsel at Bank One/First USA, supporting its consumer and small business credit card business, including complex negotiations with affinity and co-brand partners, marketing, and systems and operational issues. JoAnn also served as Senior Counsel to National City Card Services in Columbus, Ohio, providing legal support to its bankcard and private label credit card business.

JoAnn received her juris doctorate degree from Capital University in Columbus, Ohio and holds a bachelor’s degree in political science from Gettysburg College in Gettysburg, PA.

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