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About David

David specializes in negotiating complex commercial arrangements relating to credit cards/payments and other financial products/services, loyalty programs, technology and digital transformation, outsourcing, and strategic partnerships.

David has experience working with clients in a variety of different industries, including banking and financial services, insurance, power, oil and gas, mining, and retail.

David's areas of expertise include negotiating commercial arrangements with respect to the following:

Credit Cards, Payments, Loyalty, Strategic Arrangements 

  • Payment networks
  • Payment processors
  • Co-branded credit cards
  • Loyalty programs
  • Strategic partnerships
  • Referral arrangements
  • Financial services innovation

Technology and Digital Transformation

  • IT services
  • Cloud computing/Software-as-a-Service (SaaS)
  • Software/technology licensing
  • Software/technology development
  • Agile development
  • System implementation
  • Data sharing
  • Cybersecurity
  • Fintech/insurtech

Outsourcing

  • IT outsourcing (ITO)
  • Business process outsourcing (BPO)

Mergers and Acquisitions

  • Transition services agreements
  • Licensing agreements
Select Experience

David has advised the following clients on the matters described below:

Credit Cards, Payments, Loyalty, Strategic Arrangements 

  • Royal Bank of Canada on its long-term strategic loyalty partnership with Canadian Tire, linking their respective loyalty programs, Avion Rewards and Triangle Rewards

  • The Toronto-Dominion Bank on its strategic alliance with Canada Post to expand access to financial services for Canadians, beginning with a new personal loan product

  • Large Canadian banks on their negotiations with their payment networks

  • Financial institutions on a variety of payments-related agreements, including with respect to co-branded credit card and loyalty programs

  • An international payments processor on its agreements with Canadian credit card issuing banks

  • Various arrangements with other players in the payments ecosystem

Technology and Outsourcing

  • Financial institutions on their digital transformation projects in collaboration with fintechs and insurtechs

  • IG Wealth Management on a strategic outsourcing arrangement with nesto with respect to IG's Canadian mortgage business

  • A large natural resources company on an agreement to outsource certain finance and accounting business processes as part of its finance transformation project

  • A mining company on its agreement with a telecommunications provider to enable the mining company's autonomous/driverless fleet of mining trucks

  • Energy producers and distributors on the outsourcing of their enterprise-wide information technology and cybersecurity services

  • Technology providers on their customer agreements for software, technology services, cloud solutions, cybersecurity solutions or system implementations

  • Various other clients in a range of industries who are leveraging "big data," mobile apps, blockchain and other innovative technologies to increase customer engagement and capitalize on new business opportunities

  • Ocado on an agreement to provide AI-powered fulfilment technology to McKesson Canada

Mergers and Acquisitions

  • Royal Bank of Canada on its C$13.5-billion acquisition of HSBC Bank of Canada

  • Bell Canada on its C$1-billion proposed sale of Northwestel, the leading telecommunications service provider in the North, to Sixty North Unity, a consortium of Indigenous communities from the Yukon, the Northwest Territories and Nunavut

  • Bell Media Inc., a wholly owned subsidiary of BCE Inc., in its C$410-million acquisition of the Canadian business of OUTFRONT Media Inc.

  • Kognitiv Corporation on its C$525-million acquisition of Aimia Inc.'s Loyalty Solutions business

  • Republic Financial Holdings Limited on its acquisition of Scotiabank (British Virgin Islands) Limited from The Bank of Nova Scotia

  • Kinder Morgan Canada on its proposed C$4.5-billion sale of the Trans Mountain Pipeline system and expansion project to the Government of Canada

  • Suncor Energy Inc. on the C$1.13-billion sale of its Petro-Canada lubricants division to HollyFrontier Corporation

  • The Bank of Nova Scotia on the sale of the business and assets of Roynat Lease Finance, a division of its subsidiary Roynat Inc., to Meridian Credit Union Limited

  • Standard Life on the C$4-billion sale of its Canadian insurance business to Manulife

  • Transamerica/AEGON on the C$600-million sale of its Canadian insurance business to Wilton Re, a subsidiary of the Canada Pension Plan Investment Board

  • Ericsson Canada on its acquisitions of Telcocell and ConceptWave Software

Awards & Recognition

David has been recognized as a leading lawyer in the following publications:

  • Chambers Global Legal Guide – 2024–2025 (Information Technology)

  • The Best Lawyers in Canada (2025: Information Technology Law; 2024–2025: Technology Law)

  • Lexology Index: Data – 2024–2025 (Data – Information Technology)

  • The Legal 500 Canada – 2021–2025 (Technology)

  • Chambers Canada Legal Guide – 2020–2025 (Information Technology) 

  • Lexpert Special Edition: Technology and Health Sciences 2024

  • The Canadian Legal Lexpert Directory 2024 (Computer & IT Law)

  • Thomson Reuters Stand-out Lawyers – Independently Rated Lawyers – 2020–2023 (As nominated by senior in-house counsel)

Professional Activities

David has served as chair of the Toronto Computer Lawyers' Group (TCLG), a conference co-chair and board member for the Canadian Technology Law Association (CAN-TECH) and an executive member of the Information Technology and Intellectual Property Law Section of the Ontario Bar Association.

Publications
Education

Admitted to the Ontario Bar – 2010
JD, Osgoode Hall Law School – 2009
MBA, Schulich School of Business – 2009
BEngMgt (Electrical/Computer), McMaster University – 2005

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