RITADILUCA is Associate Vice-President at TD Legal, supporting TD Bank'sNorth American Credit Card and Merchant Services Group in Canada which includesthe TD Aeroplan, TD Cards and MBNA/CUETS Financial credit card portfolios.  She also supports TD's private label creditcard business and TD Merchant Services. Rita joined TD Legal in December, 2005where her area of support has provided her with expertise in credit cards andother payment cards, mobile initiatives, lending, vendor and service providercontracts, acquiring agreements, outsourcing contracts including processingagreements, co-brand agreements, payment card network agreements, litigation(including class actions), regulatory matters, Bank Act matters relating to theCost of Borrowing Regulations, Credit Business Practices Regulations, the Codeof Conduct for the Debit and Credit Card Industry and other consumer protectionlaw issues. She has also had mergers and acquisition experience with her legalrole supporting the MBNA acquisition, the TD Aeroplan acquisition from CIBC andThe Brick private label acquisition from HSBC Financing, together withexperience in new cards issuance and integration of products under each ofthose acquisitions. Prior to joining TD Bank, she worked as in-house counsel inother financial institutions for approximately 5 years and in private practicefor 5 years before that, specializing in financial services including securedand unsecured lending. Rita received her BA (Hons) in 1991 from the Universityof Toronto (St. Michael's College) and her LLB (1994) from Queen's Universityand was called to the Ontario Bar in 1996. Given Rita's background, experienceand role in the payment card industry, she has been a speaker at previousPayment Card Compliance Conferences, at mobile payment conference and haspresented at other conferences highlighting the role of women as in-housecounsel in payments.