Paul A. Carrubba
Adams and Reese LLP
Address: 1018 Highland Colony Parkway, Suite 800
Ridgeland, MS 39157

Membership: PROFESSIONAL MEMBERSHIPS / AFFILIATIONSLouisiana Bankers Association Bank Counsels Section Mississippi Bar Association
University: University of Southern Mississippi, B.S., 1972, Mississippi College School of Law, J.D., 1979
Admitted: 1979, Mississippi
Biography: Paul Carrubba joined Adams and Reese in 2005 and is a member of the Banking and Finance Team within the firm’s Transactions and Corporate Advisory Services Group. He has significantly expanded the firm's banking practice nationwide through his legal experience and banking background. His areas of experience include checks, drafts and other negotiable instruments, wire transfers, Automated Clearing House and other electronic transactions, and the laws and regulations governing each of them. With more than 37 years of experience in the financial services industry as a bank operations manager, consultant, author and attorney, Paul has written six books on banking and banking law and has served as an expert witness in numerous cases on issues dealing with reasonable standards in the banking industry. His clients include several top financial institutions in the country and a number of software and service provider vendors for the financial services industry. His significant contributions include:•Serving as Senior Vice President and Manager of Operations for a regional bank for 20 years and working in the financial services software industry for eight years, which connected him to major banking organizations in the United States, Australia, the United Kingdom and South Africa. •Teaching at the Alabama School of Banking, the Bank Administration Institute’s Graduate School of Bank Operations and Technology and at the Mississippi School of Banking. •Membership on the Executive Committee and Board of Directors of the National Automated Clearing House Association (NACHA), the Bank Administration Institute’s Council for Educational Services and the Operations and Technology Commission. •Serving as Chairman of the Operations and Automation Committee of the Mississippi Bankers Association. •The author of six books including: Revised UCC Article 3 and 4, A Banker’s Guide to Checks, Principles of Banking, and Remote Deposit Capture Practical Considerations. Paul frequently presents seminars and other presentations on banking law and regulations. Other DistinctionsAV Peer Review Rated by Martindale-Hubbell Best Lawyers - Banking Law Mid-South Super Lawyers - Banking AnnouncementsAdams and Reese and GulfPak Corporation Welcome Paul A. Carrubba 12/07/2005 Adams and Reese Elects New Partners for 2008 10/19/2007 Newsletters / AlertsSix steps banks should implement to ensure their security procedures are commercially reasonable 10/26/2015 The FFIEC Warns Financial Institutions of the Dangers of Cyberattacks Involving Destructive Malware 5/12/2015 CFPB Revises Rule Protecting Consumers Sending Money Internationally 5/9/2013 Deadline Looms for Remittance Transfer Compliance 11/8/2012 Banking Bulletin:Remote Deposit Capture White Paper by Paul A. Carrubba 6/1/2006 SeminarsTopics in Regulation: UCC 4A - The Payments Institute 7/15/2015 RDC and Duplicate Returns - EPCOR 5/21/2015 Payments Court - Southern Financial Exchange 5/7/2015 Going Paperless - Southern Financial Exchange 5/6/2015 Mobile Banking Fraud and Other Cyber Crimes - Mississippi Bankers Association 2014 Security Seminar 10/7/2014 News Bankers Need to Know - Co-Sponsored with Mauldin & Jenkins and Angel Oak Consulting 7/17/2014 The Payments Court: Judge Carrubba Presiding - EastPay 2014 Information Exchange 2/12/2014 Hot Legal and Regulatory Issues in Electronic Payment - EPCOR 10/29/2013 Vendor Management Issues from the Regulator’s Perspective - GACHA Webinar 9/17/2013 Secura Webinar - Your Regulation E Program 7/30/2013 Secura Webinar - Consumer and Mobile RDC Agreements 6/25/2013 Secura Webinar - Wire Transfer Agreements 6/6/2013 Hot Legal and Regulatory Issues in Electronic Payments - EPCOR Payments Conference 5/14/2013 Protect Yourself With Your Agreements - Southern Financial Exchange Conference 5/9/2013 Operation and Legal Issues Related to Wires, Drawdowns, and Remittance Transfers - Southern Financial Exchange Conference 5/8/2013 Regulation E-Error Resolution - NACHA Payments 2013 4/21/2013 Ask Judge Carrubba - WACHA Electronic Payments Conference 4/9/2013 How To Sing In Full Harmony With Your Agreements - WACHA Electronic Payments Conference 4/8/2013 Reducing Fraud Through Agreements and Compliance - BAI Payments Connect 2013 3/12/2013 Paper/Electronic Banking Law Issues - First National Bankers Bank 2/21/2013 Paper/Electronic Banking Law Issues - First National Bankers Bank 2/20/2013 Paper/Electronic Banking Law Issues - First National Bankers Bank 2/19/2013 Eastpay 2013 Information Interchange - Don't Be A Legal Target 2/14/2013 Eastpay 2013 Information Interchange - Payments Court - Ask Judge Carrubba 2/13/2013 The Alabama State Bar CLE - Mobile Banking Legal 2/8/2013 Louisiana Bankers Association - Legal and Regulatory Issues Related to Mobile Banking 12/14/2012 ALACHA (Alabama ACA Association) Annual Conference - Regulation E - Account Takeover 11/29/2012 Louisiana Bankers Association Webinar - UCC Articles 3 & 4 11/8/2012 NEACH (New England Automated Cleaning House) Annual Conference - Mobile Banking 10/29/2012 UMACHA (Upper Midwest Automated Clearing House Association) Annual Conference - Regulation E 10/10/2012 RDC (Remote Deposit Capture) Summit - Legal Issues Related to RDC 9/27/2012 GACHA Annual Conference - Regulation E 9/21/2012 EPCOR - Remote Deposit Capture 9/6/2012 Mississippi Bankers Association Security Conference - FFIEC Authentication Guidance - Account Takeover 8/30/2012 Bankers Online Webinar - Account Takeover - PATCO Case 8/2/2012 Deposit Agreement Terms and Conditions - Comply with Recent Regulatory Changes - Bankerstuff Webinar 7/25/2012 Regional Payments Association - UCC, Fed Regs, Cases 6/13/2012 Funtech - FFIEC Guidance 6/5/2012 Current Payment System Legal Issues 5/10/2012 NACHA - Mobile Banking 5/1/2012 Bankers Online - FDIC Guidance on Payment Processors 4/10/2012 Secura - Deposit Account Agreements 4/2/2012 Legal Issues with Mobile - WACHA Electronic Payments Conference 2012 3/27/2012 Regions Legal Department - UCC 3, 4, 4A 3/22/2012 Regions Security - Federal Reserve Regulation 3/21/2012 Electronic Payment Laws - EastPay 2/28/2012 Mobile Banking - Bankers On Line (Webinar) 1/25/2012 Consumer and Small Business Remote Deposit Capture - Bankers On Line (Webinar) 11/16/2011 Corporate Account Takeover - New York Bankers Association 11/9/2011 FFIEC Guidance on Authentication for Online Banking - Bankers On Line (Webinar) 11/3/2011 FDIC Guidance on Automated Overdraft Programs - Georgia Automated Clearing House Association 9/23/2011 Defending Your Check Clearing Processes and Overdraft Charges 8/24/2011 Southern Financial Exchange Annual Conference and Expo 4/13/2011 Payments Information Circle Member Meeting 3/24/2011 WACHA, Wisconsin Dells, WI, Electronic Payments Conference 2011 3/22/2011 REMOTE CAPTURE: Moving into the Future of Check Processing 11/15/2006 Press ReleasesAdams and Reese Has 121 Attorneys Ranked 2016 Best Lawyers 8/18/2015 Twenty-Four Attorneys from Adams and Reese Selected Among 2014 Mid-South Super Lawyers, Rising Stars 11/6/2014 Adams and Reese Has 120 Attorneys Ranked Among 2015 Best Lawyers 8/18/2014 Twenty-Nine Adams and Reese Attorneys Selected 2013 Mid-South Super Lawyers, Rising Stars 11/13/2013 Adams and Reese Has 119 Attorneys Named to 2014 Edition of Best Lawyers 8/15/2013 Adams and Reese has 110 Attorneys Ranked in The Best Lawyers in America 2013 Edition 8/22/2012 Ninety-Seven Adams and Reese Attorneys Named in Best Lawyers 2012 Edition 8/31/2011 Paul Carrubba to Present Check Clearing Process Seminar at 2011 Payments Symposium 8/3/2011 Ninety Adams and Reese Attorneys Named in Best Lawyers 2011 Edition 8/4/2010 Eighty-Six Attorneys Selected to Best Lawyers in America; Fifty-Six Practice Areas Ranked No. 1 7/30/2009 Adams and Reese Elects New Partners for 2008 10/19/2007 Fifty-Six Adams and Reese Attorneys Named to Best Lawyers in America 2008 9/6/2007 Adams and Reese and GulfPak Corporation Welcome Paul A. Carrubba 12/07/2005