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JoAnn P. Carlton

Executive Vice President, General Counsel

JoAnn is executive vice president and general counsel for Bank of America Merchant Services. JoAnn oversees the legal affairs of the company and serves as its corporate secretary. She is responsible for working with the business to identify and manage legal and regulatory risks and oversee contract process and negotiations with customers, vendors and other third parties of the company.

JoAnn has more than 20 years of financial services and payments experience. Prior to joining Bank of America Merchant Services, she held various senior legal roles for Bank of America managing all payments work, small business lending and deposits, deposit products, e-Commerce and ATMs, and prepaid card products.

Prior to Bank of America, JoAnn was senior vice president and counsel at Bank One/First USA supporting consumer and small business credit cards including affinity partner contract negotiations, 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 of Arts degree in Political Science from Gettysburg College, Gettysburg, Pennsylvania.

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